Transfer Bonus Calculator — Is the Transfer Bonus Actually Worth It?
Calculate the bonus points earned, total points at the destination, effective CPP, and dollar advantage over your baseline value.
A 30.00% bonus turns 50000 points into 65000, worth about $910 — that beats keeping them flexible by $160.
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This is an educational estimate, not tax, legal, investment, or lending advice. Tax rules, rates, and eligibility change and depend on your full situation. Confirm with a qualified professional or the provider before acting.
Coach Insight
Transfer bonuses (typically 20-40% more points when moving to an airline or hotel) are limited-time promotions that can dramatically increase point value. But the math matters: a 30% bonus from Chase to United at 1.4 CPP gives you more value than a 30% bonus from Amex to Hilton at 0.5 CPP. This calculator makes that comparison concrete.
Reviewed Jun 24, 2026 · Methodology
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Frequently Asked Questions
Frequently Asked Questions
Everything you need to know.
Why This Matters
Transfer bonuses (typically 20-40% more points when moving to an airline or hotel) are limited-time promotions that can dramatically increase point value. But the math matters: a 30% bonus from Chase to United at 1.4 CPP gives you more value than a 30% bonus from Amex to Hilton at 0.5 CPP. This calculator makes that comparison concrete.
How to Use It
- 1Enter your numbers in the input panel.
- 2Review the live results and interpretation on the right.
- 3Use the diagnostic outputs to compare options or plan the next step.
- 4Use the related links below if you want to move from analysis to action.
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