How to Maximize Bank Transfer Bonuses (2025)

1) Start with a real itinerary

Bonuses magnify value, but only if you’re transferring into a bookable partner for a trip you can take. Use alerts to confirm space, then transfer.

2) Match the bonus to the sweet spot

Avios (BA/IB/QR/AS): short‑hauls, Oneworld, and some premium links.
Aeroplan: flexible regions, mixed partners, stopovers for 5k.
Virgin Atlantic: ANA/Japan premium sweet spots, targeted partners.
Flying Blue: Promo Rewards and regular transatlantic space.
United/AA/Delta: when partner space shows but cash prices are high.

3) Stack value without risk

Confirm partner availability before transfer.
Transfer only enough for the booking; avoid orphan balances.
Leverage same‑alliance alternatives if your first choice dries up.

4) Watch timing windows

Promos often run 2–4 weeks. Set alerts for your routes and be ready to transfer mid‑promo, not the last day. Many partners ticket instantly—know which do not.

5) Example plays

JFK → LHR Business via partner at 57.5k + $5.60; a 25% bonus turns 46k bank points into 57.5k.
West Coast → Asia via Aeroplan with a stopover add‑on for 5k when space appears.