September 2025 Transfer Bonus Guide

Here’s what’s live this month across Amex, Chase, Citi, Bilt and Capital One:

🔥 Active Transfer Bonuses

💳 Chase Ultimate Rewards → 🏨 IHG One Rewards

• 100% bonus → 1,000 UR = 2,000 IHG points

• Ends Sept 4, 2025

• Not always the best use — inflated award rates make value hit-or-miss

💳 Citi ThankYou Rewards → 🛎️ Wyndham Rewards

• 25% bonus → 1,000 Citi = 1,250 Wyndham points

• Ends Sept 20, 2025

• Decent for budget stays, but still modest overall value

💳 Bilt Rewards → ✈️ Virgin Red (Targeted)

• 40–100% bonus

• Sept 1 only

• ery strong if targeted

📴 Expired or Not Active

Capital One Miles → Avianca LifeMiles

• ❌ 15% bonus expired August 31, 2025

Amex Membership Rewards

• 🚫 No active transfer bonuses right now

• Recent promos ended in July/August (Hilton, Marriott, Avianca)

📊 Quick Summary

💡 Recommendations

👉 IHG (Chase) — Only transfer if you spot high-value redemptions (think luxury properties at standard rates). Otherwise, skip.
👉 Wyndham (Citi) — Works for budget road trips or Vacasa rentals, but not aspirational.
👉 Virgin Red (Bilt) — Fantastic if you’re targeted. Use for ANA First Class or Delta One sweet spots.
👉 Watch for Amex / Capital One — LifeMiles & Hilton bonuses often return mid-month. These typically deliver much better long-term value.

🚀 Bottom Line

This month’s bonuses aren’t the strongest, but with a sharp eye, you can still stretch your points.

• ✅ Grab Chase → IHG or Citi → Wyndham only if you’ve got specific bookings in mind.

• 🔥 Keep alerts on for Capital One LifeMiles and Amex Hilton promos — those can unlock far better redemptions.