The transfer-bonus calculator shows what a transfer bonus is worth on a specific award once the transfer ratio is counted. Each 1,000 of your points becomes the issuer’s printed number of partner miles, the bonus adds its percentage to that, and the award price divided by the result, rounded up to the 1,000-point transfer step, is what the award really costs you. The saving is the same award priced without the bonus. Pick a Chase, Amex, Citi, Capital One or Bilt route to fill in the issuer’s own rate, or enter any ratio yourself.
The formula
miles per point = (partner miles per 1,000 points ÷ 1,000) × (1 + bonus rate)
points to send = award price ÷ miles per point, rounded up to the transfer step
points saved = points to send without the bonus − points to send with it
effective cpp = partner-mile cpp × miles per point
The ratio matters as much as the bonus. At 1:1 a 30% bonus turns 1,000 points into 1,300 miles; at Capital One’s 2:1.5 it turns them into 975. Until September 26, 2026 this calculator assumed every transfer was 1:1, which understated the cost of any route that is not. A bonus never fixes a bad award, and transfers are one-way, so confirm the seat before moving anything.
Run your numbers
Ratios are the issuer's own printed rates on the date shown.
mi
From the partner program's own award search.
mi
1:1 is 1,000. Capital One's 2:1.5 is 750. Citi's lower-rate cards get 70% of the full rate.
%
A 30% bonus adds 30% to the base ratio: 750 becomes 975. Enter 0 for none.
pts
Most routes move in steps of 1,000; Amex moves Qantas in 500s and JetBlue in 250s. Enter 1 to skip rounding.
¢/mi
Cents per partner mile for this award. 1.2 is an example placeholder, not a valuation.
Your points to send with the bonus
30,000 pts
Your points to send without it
39,000 pts
Points saved by the bonus
9,000 pts (23%)
Each 1,000 points becomes
1,300 mi
Miles left over after the award
0 mi
Effective value per point you transfer
1.56¢
VerdictWith the bonus, the 39,000-mile award costs 30,000 of your points instead of 39,000 at 1,000 → 1,000: 9,000 fewer (23% off). Transfer only after the award seat is confirmed; transfers are one-way.
The pre-filled award price and redemption value are a hypothetical example, not a live award. A bonus only helps if the award itself is good value: check that first, then transfer the exact amount.
Worked example (hypothetical numbers)
A partner award costs 39,000 miles and the bonus is 30% (hypothetical numbers, not a live offer).
At 1:1 (1,000 points become 1,300 miles with the bonus): 39,000 ÷ 1.30 = 30,000 points, against 39,000 without the bonus. The bonus saves 9,000 points (23%).
At 2:1.5, Capital One’s printed rate to Japan Airlines, Emirates and EVA (1,000 points become 975 miles with the bonus): 39,000 ÷ 0.975 = 40,000 points, against 52,000 without it. The bonus saves 12,000 points, but the award still costs more points than its mileage price.
If the award is worth 1.2¢ per partner mile, each point sent at 1:1 with the bonus returns 1.2 × 1.30 = 1.56¢; at 2:1.5 with the bonus, 1.2 × 0.975 = 1.17¢.