Are Credit Card Transfer Bonuses Worth It?

About this episode

Megan Lanford explains how to evaluate credit card transfer bonuses and when they are worth pursuing.

Transfer bonuses can sound like a no-brainer — a 40%, 55%, even 70% bonus on your points just for moving them to an airline or hotel program. But here's the truth: a big bonus percentage is not the same thing as a good deal. In this episode, Megan breaks down exactly how transfer bonuses work, why banks and hotel programs offer them in the first place, and the simple math framework she uses to decide whether to jump on one or pass. We're walking through how to calculate the real value of any transfer bonus, which programs are almost never worth transferring to (even with a bonus), and the scenarios where a transfer bonus can genuinely stretch your points further. If you've ever felt pressure to act fast on a limited-time offer and weren't sure if it was worth it, this episode gives you a repeatable system to make that call confidently every time. Resources: 🎓 Join the Travel Points Academy 📲 Follow on Instagram 🎁 Grab the Free Trip Calculator

People in this episode

Host: Megan Lanford

Topics covered

• credit card points
• transfer bonuses
• value calculation
• travel rewards
• bank offers

Keywords

• credit card transfer
• bonus percentage
• travel points
• airline programs
• hotel programs

More episodes of Points Too Paradise

• Booking a 5-Week Trip to Europe — London to Venice, All on Points · June 9, 2026 · 17 min
• Deep Dive into the AMEX Platinum Card · May 26, 2026 · 20 min
• How to Keep Track of All Your Travel Credit Cards (The App I Use Daily) · May 19, 2026 · 14 min
• Deep Dive into The Chase Sapphire Reserve (With Elevated Offer) · May 12, 2026 · 17 min
• How Stacy Travels Monthly, Saves $17K in one year, and Says Yes to Every Adventure · May 5, 2026 · 23 min
• What If I Did? · April 28, 2026 · 17 min