We’ve been waiting for this, and it’s finally here. With the launch of Citi’s newest travel card, ThankYou Points are now transferable to American Airlines AAdvantage at a 1:1 ratio.
Until now, AAdvantage was the only one of the big four U.S. airlines without a major points transfer partner. Delta? Transfer from Amex. United and Southwest? Chase. But American had no option, until now. This opens the door to far more flexibility in finding high-value award seats.
AAdvantage has many low cost redemptions starting at 5k miles as of the time of this search. A quick browse through daydream explorer found over 100 nonstop flights priced at that 5k mile mark.
Looking to stretch out?
We’re currently seeing First Class seats to Tokyo for around 80,000 AAdvantage miles, on top-tier carriers like Japan Airlines.
Most recent news regarding transfer partners has been negative. This however is great news for users of PointsYeah who now have even more flexibility to book their next trip. Be sure to update your filters, adjust your strategy, and explore the latest tools (and cards) that can help you take advantage of this change.. Learn more about the featured cards this month.
Chase Sapphire Reserve for Business, Chase’s first premium travel-focused credit card for businesses, brings the best Sapphire Reserve benefits to business owners who expect hard-working rewards. The card unlocks over $2,500 in annual value, more business and travel value than any other premium business card, including high-value partner services and merchant credits that help owners streamline operations.
• 8x points on Chase Travel purchases as well as 4x points on flights and hotels booked direct
• $300 annual travel credit – the most flexible travel credit available
• $120 Global Entry, TSA Precheck or Nexus credit every four years
• $500 annual The Edit credit – Chase Travel’s collection of over 1,100 hand-picked hotels and resorts
• Points Boost, the new points redemption accelerator
With Points Boost offers, cardmembers’ points will be worth up to 2x on thousands of both top booked hotels and flights with select airlines and hotels through Chase Travel
• Complimentary IHG One Rewards Platinum Elite Status
• Access to the Chase Sapphire Lounge by The Club network of airport lounges and entry to over 1,300 lounges with Priority Pass Select. The primary Chase Sapphire Reserve for Business cardmember can also bring two guests per visit.
• The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card including primary car insurance and trip cancellation
Credits to Keep Businesses Running
The card features additional rewards earned on advertising expenses and annual partner credits on business services, selected to meet the needs of businesses at scale:
• 3x points on advertising purchases made with social media sites and search engines
• $400 ZipRecruiter credit to discover new talent
• $200 Google Workspace credit toward AI tools for business
• $100 Giftcards.com credit for flexible employee appreciation
• $300 annually in monthly DoorDash promos and complimentary DashPass membership worth $120 annually
• $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides
Premium Benefits Unlocked
Cardmembers can earn loyalty program status and additional credits with leading travel and shopping brands after spending $120,000 each calendar year:
• IHG One Rewards Diamond Elite Status
• Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $500 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers allowing them to shop for brands including Dyson, Sony, Therabody and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay
Sapphire Reserve for Business cardmembers have access to a high spending pay-in-full limit and Flex for Business, a credit line which allows payments over time with interest. There is a $795 annual fee with employee cards at $0, and no foreign transaction fees.
Chase unveiled the all-new Chase Sapphire Reserve and introduces Chase Sapphire Reserve for Business, the most rewarding credit cards on the market, available starting June 23,2025. These developments from Sapphire Reserve again set a new standard in premium credit cards, featuring a valuable suite of lifestyle, travel and business benefits and credits, high points earn rates in several categories including travel and dining, new ways to maximize rewards, access to the Chase Sapphire Lounge by The Club network of airport lounges and more. Chase Sapphire Reserve for Business is designed to meet the needs of business owners at scale by elevating their travel experience and offering premium benefits and value toward business services that will help fuel their growth.
Both cards are on the Visa Infinite network, one of the most widely accepted global networks, and feature an industry-leading, comprehensive suite of travel protections that cover a wider range of travel setbacks than any other cards on the market. Cardmembers also have exclusive access to a dedicated Sapphire Reserve customer service team available 24/7 and who are specially trained to provide exceptional support tailored to cardmember needs.
Points Boost: A New Way to Make the Most of Rewards
Chase is also introducing Points Boost, an unmatched points redemption program with exclusive value for Sapphire Reserve and Sapphire Reserve for Business. Points Boost allows Sapphire Reserve cardmembers to redeem Ultimate Rewards points at a rate of up to 2x on rotating offers through Chase Travel. Cardmembers can use Points Boost to maximize the value of their points on premium air cabin tickets and select hotels, including The Edit by Chase Travel – an exclusive collection of over 1,100 hand-picked hotels and resorts around the world where Sapphire Reserve cardmembers get complimentary benefits like free breakfast and a $100 property credit.
Access to Chase Sapphire’s Growing Lounge Network
Chase Sapphire Lounge by The Club’s network is strategically located in major airports across the U.S. including award-winning lounges at Boston Logan International Airport, LaGuardia Airport and Philadelphia International Airport, with additional locations at John F. Kennedy International Airport, San Diego International Airport and Phoenix Sky Harbor International Airport.
Cardmembers also have access to over 1,300 lounges with Priority Pass Select. Chase also announces Dallas Fort-Worth International Airport as a future Chase Sapphire Lounge by The Club location, in addition to previously announced Harry Reid International Airport in Las Vegas and Los Angeles International Airport.
The New Chase Sapphire Reserve – More Value Than Ever
Cardmembers receive a variety of high-value travel benefits and credits, including:
• 8x points on all Chase Travel purchases, replacing 5x points on flights and 10x points on hotels and car rentals booked through Chase Travel
• 4x points on flights and hotels booked direct, replacing 3x points on all travel
• $500 annual The Edit credit – Chase Travel’s collection of over 1,100 hand-picked hotels and resorts
• Points Boost, the new points redemption accelerator program
With Points Boost offers, all cardmembers’ points will be worth up to 2x on thousands of both top booked hotels and flights with select airlines and hotels through Chase Travel.
For Chase Travel purchases not eligible for Points Boost Offers, points can be redeemed at a 1:1 rate on Chase Travel, replacing 1.5x on all Chase Travel purchases.
Points earned prior to October 26, 2025 by Sapphire Reserve cardmembers who applied prior to June 23, 2025 can be redeemed at 1.5x on Chase Travel until October 26, 2027. For points earned prior to October 26, 2025, cardmembers will automatically receive the best offer available, whether it’s Points Boost or 1.5x on Chase Travel, maximizing rewards value for two years.
• Complimentary IHG One Rewards Platinum Elite Status
• Cardmembers continue to receive:
$300 annual travel credit – still the most flexible travel credit available
$120 Global Entry, TSA Precheck or Nexus credit every four years
Access to the Chase Sapphire Lounge by The Club network of airport lounges and entry to over 1,300 lounges with Priority Pass Select and more than 20 select Air Canada Maple Leaf Lounges and Air Canada Cafés when traveling on a Star Alliance airline
Complimentary access to Reserve Travel Designers with end-to-end travel planning from custom itinerary to trip support
The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card including primary car insurance and trip cancellation
Elevated Dining Benefits
Exclusive dining benefits include:
• A new $300 annual dining credit and primetime reservations at Sapphire Reserve ExclusiveTables, available for booking on OpenTable
Sapphire Reserve Exclusive Tables is a growing list of hundreds of restaurants across the country curated by The Infatuation and OpenTable in collaboration with The Visa Dining Collection
• 3x points on all dining purchases worldwide
Curated Lifestyle Rewards
Cardmembers receive new annual credits in areas they value including entertainment and everyday spending categories:
• $250 annual value through complimentary subscriptions to Apple TV+ and Apple Music
• $300 annual StubHub credit on concert and event tickets
• $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides
• $300 annually in monthly DoorDash promos and complimentary DashPass membership worth $120 annually
• 10x points on eligible Peloton equipment and accessory purchases and up to $120 in annual statement credits toward Peloton memberships
Premium Benefits Unlocked with $75,000 Spend
Cardmembers can earn additional status and credits after spending $75,000 each calendar year:
• IHG One Rewards Diamond Elite Status
• Southwest Airlines® A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $250 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers allowing them to shop for brands including Dyson, Sony, Therabody and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay
The annual fee is now $795 with a $195 annual fee for authorized user cards, and no foreign transaction fees. Cardmembers who applied prior to June 23, 2025, will experience these new benefits and features starting October 26, 2025. Their annual fee will be adjusted to $795 on their next anniversary date following October 26, 2025.
The card is stuffed with benefits which can easily be worth well over $1,500in value each year. And its current welcome bonus is one of the highest we’ve ever seen.
Here’s everything you need to know about the Amex Business Platinum Card — and a quick look at how powerful its rewards can be.
How do American Express Membership Rewards points work?
How to earn American Express Membership Rewards points
The Amex Business Platinum Card offers a strong bonus offer, 150,000 American Express Membership Rewards® points after spending $20,000 on purchases within the first three months from account opening.
You’ll also earn points for your everyday spending at the following rates:
5 points per dollar on flights and prepaid hotels booked on AmexTravel.com
1.5 points per dollar on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers and software & cloud system providers, and U.S. shipping providers — as well as any eligible purchases of $5,000 or more (on up to $2 million in spending per calendar year)
1 point per dollar on all other eligible purchases
How to use American Express Membership Rewards points
There are plenty of fun ways to use Amex Membership Rewards points when you’ve got the Amex Business Platinum Card — but the best options involve travel. For example, you can redeem your points for:
Airfare through Amex Travel at a rate of 1 cent each. And when booking business- or first-class seats, you’ll get a 35% rebate on your points (a feature exclusive to the Amex Business Platinum) — effectively making your points worth ~1.5 cents each
Hotel stays through Amex Travel at a rate between 0.7 and 1 cent each
But to unlock the most potential from your Amex points, convert them to into airline miles and hotel points.
It’s possible to get exponentially more value from your points by transferring to the below travel partners (transfers are 1:1 unless otherwise specified).
Aer Lingus
Choice Hotels
Iberia
Aeromexico (1:1.6)
Delta
JetBlue (5:4)
Air Canada
Emirates
Marriott Bonvoy
ANA
Etihad
Qantas
Avianca
Flying Blue (Air France and KLM)
Qatar Airways
British Airways
Hawaiian Airlines
Singapore Airlines
Cathay Pacific
Hilton Honors (1:2)
Virgin Atlantic
You can use PointsYeah to find flights between your home airport (or anywhere else) to all over the world with Amex points. Just filter your search to display only flights that can be booked with Amex Membership Rewards.
With this card’s 150,000-point bonus, there’s virtually nowhere you can’t go. Here’s a quick snapshot of award prices for flights you can book from the U.S. with Amex points.
You can even use the PointsYeah Hotels tool to find and book fancy hotels with your rewards. When I first opened the Amex Business Platinum Card, I transferred part of its bonus to Hilton for a stay at the Waldorf Astoria Maldives — a resort where villas routinely cost over $2,000 per night!
Is the Amex Business Platinum Card worth a $695 annual fee?
As long as you can organically squeeze more value from a credit card’s benefits than you spend on the annual fee, it’s a great deal! Examine the Amex Business Platinum Card’s benefits and then do some simple math.
Statement credits galore
The Amex Business Platinum Card offers over $1,000 in annual statement credits alone. If you can use even a fraction of them, the card could be a fair deal.
First are the travel-focused credits, such as:
Up to $200 in annual Hilton credits. You’ll get up to $50 per quarter for eligible purchases made directly with a Hilton property.*
Up to $200 in annual airline credits. Choose a participating airline (United, American Airlines, Delta, Alaska Airlines, JetBlue, and many more), and redeem this credit to offset charges like checked bags, pet fees, seat upgrades, etc.*
Up to $199 CLEAR® Plus credit. CLEAR lets you skip the line at many TSA security checkpoints. Enter some biometric data into a kiosk, and a CLEAR attendant will literally escort you to the front of the line. It’s wild.
Terms Apply
Then there’s the business-focused credits:
Up to $120 in annual wireless credits. Get up to $10 in statement credits each month for wireless telephone service purchases made directly with a wireless provider in the U.S.*
Up to $360 in annual Indeed credits. Receive up to $90 back per quarter for Indeed expenses.*
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Terms Apply
*Enrollment required for some benefits
Perks to enhance your travel experience
Up to $120 in TSA PreCheck/ Global Entry credit. These “trusted traveler” programs get you through airport security in a hurry. You get to keep your shoes and belt on (instead of throwing them in a grungy gray bin) — and you can even keep your laptop and TSA-approved toiletries in your bag. Global Entry also expedites your entry back into the U.S. when returning from abroad.
Airport lounge access. No travel card on the market gives you access to more airport lounges than the Amex Business Platinum Card — over 1,400 locations in all. You can visit super fancy Amex Centurion Lounges, Delta Sky Clubs (eligible same-day Delta ticket required), Plaza Premium lounges, Priority Pass lounges*, and more. Airport lounges are a travel game-changer.
Access to American Express Fine Hotels & Resorts. You can book over 2,600 top-tier luxury hotels through an exclusive platform to get special benefits like free breakfast for two, room upgrades when available, late checkout, and a property credit (typically worth $100+).
Hotel elite status. You’ll get complimentary Gold elite status with both Marriott and Hilton. This comes with perks like bonus rewards on paid stays, welcome amenities, free upgrades when available, and more.*
Rental car elite status. Receive Hertz President’s Circle status, National Executive status, and Avis Preferred Plus status.* These come with perks like free upgrades, bonus points on paid reservations, etc.
* Enrollment required for some benefits.
High-quality insurance
The Amex Business Platinum Card delivers some of the best travel insurance around. As long as you pay with your card, you’ll be covered. Here are some highlights:
Trip delay insurance. When your flight is delayed by at least six hours (or requires an overnight stay), Amex will give you up to $500 for “reasonable expenses” — meals, a night at a hotel, that type of stuff.
Trip cancellation/interruption insurance. When you book round-trip travel with your card, you’ll get up to $10,000 in coverage per trip (max $20,000 per 12-month period) to reimburse you for prepaid nonrefundable travel that causes you to cancel or shorten your trip for a covered reason.
Rental car insurance. The Amex Business Platinum Card only confers secondary rental car insurance (meaning it’ll cover you for whatever your personal insurance doesn’t). HOWEVER, you can opt into Amex’s Premium Car Rental Protection for a small fee per rental. This gives you primary insurance and more comprehensive coverage than virtually any other card on the market.
Cell phone protection. Get up to $800 in cell phone insurance (max two claims per 12-month period) against damage or theft. You’ll just have to pay a $50 deductible. This protection is automatic as long as you pay your monthly phone bill with the Amex Business Platinum Card.
Is the Amex Business Platinum Card right for you?
The Amex Business Platinum Card isn’t for everyone. Even if the card’s benefits easily justify its price point, it’s not exactly painless to pony up the $695 annual fee (rates and fees). Ask yourself these questions to decide if the card is a fit for you.
Can you spend $20,000 within the next three months? To earn the card’s enormous 150,000-point bonus, you’ll have to make $20,000 in purchases within three months. If you can meet that by making purchases you’d normally make (don’t go into debt just to earn points!), the bonus alone is worth trying the card out for a year to see if it complements your business and personal goals.
Are you a big spender? If your business makes a lot of large transactions, the Amex Business Platinum Card is one of the best cards for you. That’s because it’s a No Preset Spending Limit (NPSL) card, meaning you don’t have a firm credit limit. Instead, Amex will learn your spending habits and give you more purchase power when you need it.
Plus, the card earns 1.5 points per dollar for transactions of $5,000 or more (again, capped at $2 million in spending per year).
Do you fly at least a few times each year? Some of the card’s best benefits are related to air travel. From up to $200 in airline incidental credits to fantastic airport lounge access to trip delay insurance , flyers specifically will squeeze the most value from the Amex Business Platinum Card.
Can you organically use a few of the card’s business-centric cards?
Does the nature of your business take advantage of the card’s many hundreds of dollars worth of annual business credits? If you spend money on services from Indeed or Adobe anyway, the Amex Business Platinum Card is almost certainly a good deal for you.
Is the Amex Business Platinum Card easy to get?
The Amex Business Platinum Card isn’t “hard to get.” If you’ve got a credit score above 700 — and you own a business — you shouldn’t have a difficult time opening this card. Just a couple notes:
If you’ve earn the welcome bonus for the Amex Business Platinum Card before, you aren’t eligible to earn it again. Amex abides by a once-in-a-lifetime rule when it comes to card bonuses.
You must own a business. Whether it’s a multi-million dollar enterprise or you simply drive for Uber or run an Etsy shop, you must have a for-profit venture to open the Amex Business Platinum Card.
And here’s another fantastic thing about American Express: If you already have an Amex card, American Express can often let you know if you’ll be approved for a card before you formally submit your application. No crossing your fingers after you hit the “Apply Now” button.
It’s made of heavy metal and it’s gold-colored. It must be good, right?
The American Express® Business Gold Card is one of the best rewards cards for small businesses. It offers hundreds of dollars in statement credits each year; its return rate for common purchases is confusingly high; it’s got a substantial six-figure welcome bonus after meeting minimum spending requirements.
Let’s examine the Amex Business Gold Card to help you decide if it’s a good pickup for your situation.
How do American Express Membership Rewards points work?
How to earn American Express Membership Rewards points
The Amex Business Gold Card comes with 100,000 American Express Membership Rewards® points after spending $15,000 on purchases within the first three months from account opening.
That’s a big deal. Amex points are some of the most valuable travel rewards in existence. With 100,000 points, you can book a bucket list trip to just about anywhere for pennies on the dollar.
The card is also great at earning points on everyday business expenses. Most impressive is its 4 points per dollar on the top two eligible bonus categories in which you spend the most each billing cycle (for up to $150,000 in combined purchases each calendar year, then 1x). Eligible categories include:
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases at gas stations
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases made from electronic goods retailers and software/cloud system providers
This is an above-average return to say the least. You’ll also earn:
3 points per dollar on flights and prepaid hotels booked through AmexTravel.com
1 point per dollar for all other eligible purchases
How to use American Express Membership Rewards points
Amex Membership Rewards points are a potent and easy-to-use tool in your travel utility belt. Here are some popular ways to use them:
Transfer them to airline and hotel loyalty programs partnered with American Express (typically the best way to stretch your points the furthest).
Book airfare through Amex Travel at a rate of 1 cent each.
Book hotel stays through Amex Travel at a rate between 0.7 and 1 cent each.
Redeem for cash back at a rate of 0.6 cents each
As award travel enthusiasts, we always suggest that you transfer your points Amex travel partners. You can convert your Amex points into points and miles with the below programs (transfers are 1:1 unless otherwise specified).
Aer Lingus
Choice Hotels
Iberia
Aeromexico (1:1.6)
Delta
JetBlue (5:4)
Air Canada
Emirates
Marriott Bonvoy
ANA
Etihad
Qantas
Avianca
Flying Blue (Air France and KLM)
Qatar Airways
British Airways
Hawaiian Airlines
Singapore Airlines
Cathay Pacific
Hilton Honors (1:2)
Virgin Atlantic
PointsYeah will help you to quickly find reasonably priced flights FROM anywhere TO anywhere (try out our Daydream Explorer — it’s totally free).
You can even filter your results to exclusively show seats that you can book with American Express Membership Rewards.
With this card’s 100,000-point bonus, there’s virtually nowhere you can’t go. In fact, you can even go many places in a fancy lie-flat seat.
For example, I was able to book a business class flight on American Airlines between Charlotte (CLT) and Paris (CDG) for just 55,000 Amex points and $19 in fees by transferring points to Hawaiian Airlines* (and onto Alaska Airlines). *Transfer ends 6/30/2025
Is the Amex Business Gold Card worth a $375 annual fee?
The Amex Business Gold Card charges a $375 annual fee (rates and fees). But don’t let that scare you off. It’s astonishingly easy to recoup your money from its valuable perks.
If the below features are worth $375 or more to you, the card is an easy win.
Annual statement credits
The Amex Business Gold Card has a few easy-to-use statement credits that can save you hundreds each year:
Up to $240 in annual “Flexible Business Credit.” You’ll receive up to $20 in monthly statement credits toward eligible U.S. purchases made with FedEx, Grubhub, and office supply stores.*
Up to $155 in annual Walmart+ Credit. When you pay for a monthly Walmart+ subscription with your Amex Business Gold, you’ll get up to $12.95 (plus taxes) in credits each month to offset the cost (excludes Walmart’s “Plus Ups” subscription). Walmart+ comes with perks like exclusive discounts, free delivery from the store, and Paramount+.*
Amex Offers. Within your American Express online account are digital coupons that you can manually add to your card. These can save you money on purchases you already planned to make. American Express drops new offers all the time, so it’s worth checking back often.*
*Enrollment required for some benefits
Travel benefits
The Amex Business Gold Card isn’t overtly a travel card (though it earns American Express Membership Rewards points, which are most powerful when redeemed for travel). Still, the card has a couple noteworthy travel perks:
The Hotel Collection. American Express handpicks more than 1,000 upscale hotels that, when booked through Amex Travel, come with elite status-esque benefits like room upgrades (when available) and a $100 property credit per stay. You must book at least two consecutive nights to qualify for these perks.
Travel insurance benefits. When you pay for your travel with the Amex Business Gold Card, you’ll get trip delay insurance, rental car insurance, baggage insurance, and more.
0% intro APR offer
The card offers 0% intro APR on purchases for the first six months from account opening, then 18.49% – 27.49% variable (see rates). Handy for those who foresee some business expenses that’ll need floated for a few months.
Is the Amex Business Gold Card right for you?
The Amex Business Gold Card is easily worth its annual fee for many — but not all. If you answer yes to even one of the below questions, chances are it’s a good deal for your lifestyle.
Can you spend $15,000 within the next three months? To earn the card’s enormous 100,000-point bonus, you’ll have to spend $15,000 on purchases within the first three months from account opening. If you can achieve that with purchases you’d normally make, the bonus alone is motivation enough to give the card a test run. If you decide after a year that it’s not worth paying the annual fee, you can cancel or downgrade it in 12 months.
Do you spend a lot in the card’s 4x categories?
Earning 4 points per dollar is a nearly unprecedented return. If your business spends just a couple thousand bucks per month in categories like U.S. restaurants and U.S. gas stations, you could earn around 100,000 bonus points each year.
Will the card’s statement credits actually save you money?
The card’s up to $20 in monthly credit toward merchants like Grubhub and FedEx can be as good as cash to those who already make those types of purchases. Same goes for the monthly Walmart+ credits. If you already subscribe to Walmart+, it’s an effortless money saver.
Is the Amex Business Gold Card easy to get?
The Amex Business Gold is reasonably easy to get as long as your credit score is good (preferably 700+) and you’re a business owner.
If you’ve already got an American Express card, Amex will likely let you see if you’re approved for the card before you formally apply. That way you won’t incur a hard credit inquiry for nothing.
So yeah, that’s the deal
The Amex Business Gold Card currently comes with 100,000 bonus points after meeting minimum spending requirements. In the rewards credit card world, this bonus is far above average.
If you’re a business owner (whether you operate a coffee shop or you’re simply an Instacart delivery driver), the Amex Business Gold Card could be a fantastic addition to your wallet. It earns points quickly, and its ongoing benefits can save business owners serious money.
You know all the makings of a premium travel credit card: It’s made of shiny metal; it comes with fancy perks like airport lounge access; it offers hundreds of dollars in travel-related statement credits per year; it’s got an eye-watering annual fee.
The Capital One Venture X Rewards Credit Card fits the bill as an unquestionable premium travel rewards card — but with an annual fee that’s considerably lower than its competitors. In fact, because of its effortlessly valuable yearly benefits, the card’s fee is effectively zero.
Even better, the card earns super valuable (and super easy-to-use) rewards. This makes it a great option for anyone who travels even semi-regularly, whether you’re an award travel veteran or you’re just entering the world of miles and points.
How do Capital One miles work?
How to earn Capital One miles
The Capital One Venture X Rewards Credit Card comes with an intro offer of 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
The card also has a high earning rate for everyday purchases:
10 miles per dollar on hotels and rental cars booked through Capital One Travel
5 miles per dollar on airfare and vacation rentals booked through Capital One Travel
5 miles per dollar on Capital One Entertainment purchases
2 miles per dollar on all other eligible purchases
Up to 10X miles is beyond impressive. But the star of the show is its base 2X return rate. No matter how unusual your spending habits, you’re guaranteed to get a good return for your swipes.
When it comes to travel credit cards, this earning structure is as straightforward as it gets.
How to use Capital One miles
Capital One gives you a few basic ways to redeem your rewards. You can:
“Erase” travel purchases you make with your card up to 90 days later at a rate of 1 cent each. You can redeem your miles for transactions like flights, hotels, public transit, even campgrounds.
We’re a bit biased (and correct) when we say that converting your miles into airline and hotel rewards is hands-down the best way to use your points. It gives you the potential to book exponentially more travel than those other two options.
For example, if you were to purchase the below $161 United flight from Eugene (EUG) to Phoenix (PHX), you’d spend 16,100 Capital One miles to “erase” the transaction. But by transferring Capital One miles to Avianca, the flight would cost just 7,500 miles and $5.60 in fees.
Here’s a chart of the airline and hotel programs that partner with Capital One. All transfers are 1:1 unless otherwise specified.
Accor Live Limitless (2:1)
Emirates
Singapore Airlines
Aeromexico
Etihad
TAP Portugal
Air Canada Aeroplan
EVA Air (2:1.5)
Turkish Airlines
Avianca
Finnair
Virgin Red
British Airways
Flying Blue (Air France and KLM)
Wyndham Rewards
Cathay Pacific
JetBlue (5:3)
Choice Privileges
Qantas
No matter where you want to go, a Capital One partner can get you there — and PointsYeah can help you to quickly find a suitable award seat. Enter your origin and destination into the PointsYeah search bar and filter results to only show Capital One partners. We’ll take care of the rest.
Or, if you aren’t exactly sure where you want to go, you can use the Daydream Explorer tool to enter countries or continents (or even all of Earth) as your destination and see what jumps out at you.
Is the Capital One Venture X worth a $395 annual fee?
The Capital One Venture X Rewards Credit Card charges a $395 membership fee — but again,travelers may consider this card to be no-annual-fee. If you travel even once per year, the card can pay for itself without breaking a sweat. Here’s why.
Yearly bonuses
The Capital One Venture X comes with two incredibly useful annual rewards that post to your account after each cardmember anniversary, which make your annual fee effectively to zero:
Up to $300 in travel credit to be redeemed through Capital One Travel for flights, hotel stays, rental cars, etc. (you’ll also get this credit upon account opening)
10,000 bonus Capital One miles (beginning on your first account anniversary)
These perks alone can offset the $395 annual fee for even the intermittent traveler. The 10,000 bonus miles alone can be enough for a round-trip flight to lots of fun destinations (read our guide to where you can go with 5,000 miles or less).
Access to airport lounges
You’ve probably seen fancy airport lounges dotted throughout the concourse during your travels. But you may not know how easy they are to get into.
With the Capital One Venture X Rewards Credit Card, you can enter over 1,300 airport lounges around the world. Airport lounges often come with free food and alcohol, fast Wi-Fi, tons of electrical outlets, and sometimes even showers and children’s play areas.
The card confers access to Capital One Lounges, a collection of upscale lounges, as well as Capital One’s new restaurant-first concept — Capital One Landing. You’ll also get to use lounges within the ubiquitous Priority Pass lounge network. And you can bring two guests for free.
And get this: Even Venture X authorized users will get their own airport lounge access. You can add up to four authorized users for free.
Expedited airport security experience
Every four years, the Capital One Venture X Rewards Credit Card gives you up to $120 in credit to reimburse you for the application fee to “trusted traveler” programs TSA PreCheck and Global Entry.
TSA PreCheck costs $78 for a five-year membership. It gives you the ability to (practically) sprint through the domestic airport security checkpoints without having to remove your shoes or belt — or even take your laptop out of your bag. Plus, you’ll go through an exclusive security lane that processes much faster.
Global Entry costs $120 for a five-year membership. It helps you to skip the immigration line when entering the U.S. from overseas. Instead of getting grilled by an immigration officer, just find a dedicated kiosk and it’ll quickly confirm your identity. Global Entry also comes with TSA PreCheck privileges.
Excellent travel insurance
The Capital One Venture X Rewards Credit Card is an all-time great when it comes to protecting your travel purchases. Its insurance will automatically activate when you pay for your travel with the card.
Here’s what you’ll get:
Primary rental car insurance. When renting a car, the card covers up to $75,000 against theft or damage. You don’t even have to tell your personal insurance provider about the accident — so your premiums won’t be affected at all.
Trip delay reimbursement. When your trip is delayed by at least six hours or requires an overnight stay, you’ll get up to $500 per ticket toward “reasonable” expenses. This can include a hotel room, meals at a restaurant, a phone charger, and more.
Trip cancellation and interruption insurance. Whether you’ve got to cut your trip short or cancel it before it begins, you can be reimbursed up to $2,000 per person for nonrefundable prepaid travel. Eligible reasons include injury or death of an immediate family member or if the carrier on which you’re traveling goes bankrupt.
Lost luggage reimbursement. Get up to $3,000 when the common carrier (airline, cruise ship, ferry, bus, etc.) loses your luggage.
Travel accident insurance. You’ll receive up to $1 million in coverage against accidental loss of life, limbs, sight, speech, or hearing if the tragedy is the common carrier’s fault.
Trust me, these perks are better than what the vast majority of travel credit cards offer. If you travel regularly, you’ll get good use from these (but fingers crossed that you miraculously never need to use them!).
Cell phone protection
When you pay your monthly cell phone bill with the Capital One Venture X Rewards Credit Card, your phone is covered for up to $800 against damage or theft(max two claims and $1,600 in coverage per 12-month period).
Top-tier Hertz elite status
Hertz’s highest level of status is called President’s Circle — and it’s complimentary with the Capital One Venture X (though you’ve got to enroll your card). Without the card, you’d have to either complete 15 rentals or spend $3,000 with Hertz in a calendar year.
President’s Circle comes with perks like:
50% bonus points on paid rentals
Guaranteed upgrades
A dedicated customer service line
Get special access to restaurants and events
Capital One caters heavily to dining and entertainment. It partners with some restaurants to help you land a reservation even when the joint is fully booked. Its Capital One Dining platform also hosts special experiences like cooking classes with prominent chefs.
And through Capital One Entertainment, you can book super popular music and sporting events and experiences through presale opportunities — so you can be one of the first to buy.
Is the Capital One Venture X right for you?
A $395 annual fee isn’t exactly a pittance. To decide if the Capital One Venture X Rewards Credit Card is worth the price point, ask yourself these simple questions.
Do you fly a couple times each year? With its myriad air travel-related protections and its airport lounge access, the Capital One Venture X is especially valuable for flyers. You’re neglecting a lot of value if you don’t find yourself in an airport at least once or twice per year.
Do you book travel through online travel agencies? When you book airfare, hotel stays, or rental cars, do you use a website like Expedia or Priceline? If so, you’ll make good use of the card’s up to $300 in annual travel credit — since it can only be redeemed through Capital One Travel. Plus, the Capital One Venture X Rewards Credit Card earns tons of bonus miles when you pay for travel through this platform.
Do you like road-tripping? The Capital One Venture X Rewards Credit Card is one of the best credit cards to use for renting a car thanks to its top-notch travel insurance and its 10X return rate for car rentals through Capital One Travel. It even offers the highest level of Hertz elite status (though you typically won’t get rental car elite status perks when booking via Capital One Travel — you’ll have to book directly with Hertz).
Maintain a good credit score. We recommend that you not apply for this card unless your credit score is at least 720. While there may be anecdotal evidence of folks being approved with a lower score, a 720+ score gives you the best chance.
48-month rule. If you’ve earned the welcome bonus on a Capital One Venture X within the past 48 months, you won’t be eligible to earn it again.
1/6 rule. Capital One usually won’t approve you for more than one credit card application within a six-month period.
So yeah, that’s the deal
The Capital One Venture X Rewards Credit Card is a premium credit card with a more accessible annual fee. And because the fee can so easily be offset with perks like airport lounge access, $300 in annual travel credit, and 10,000 yearly bonus miles, the Capital One Venture X Rewards Credit Card is an easy win for just about every traveler.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are PointsYeah’s alone, and have not been reviewed, endorsed or approved by any of these entities. Some links on this website will earn an affiliate commission.
The Capital One Venture Rewards Credit Card is a lower version of The Capital One Venture X Rewards Credit Card and one of the most user-friendly travel credit cards on the market. It’s excellent if you’re new to the points and miles world.
But don’t misunderstand: It’s not some entry-level rewards card that you’ll graduate from when you become a travel rewards “expert.” I’ve had this card for many years — and I’ve got no intention to ever cancel it. That’s because it:
Earns rewards at a high rate
Makes redeeming your miles effectively foolproof (you’ll see why in a minute)
Gives you access to helpful programs like Capital One Travel and Capital One Entertainment
You can earn one of the highest bonuses we’ve ever seen from the card: 75,000 bonus miles(redeemable through Capital One Travel) after spending $4,000 on purchases within the first three months from account opening.
Here’s a quick Capital One Venture Rewards Credit Card review. You’ll know if the card is right for you by the time you’re finished.
5 miles per dollar on hotels, vacation rentals, and car rentals booked through Capital One Travel
2 miles per dollar on all other eligible purchases
When it comes to travel credit cards, this is as straightforward as it gets. A 2x base earning rate for your spending means you’re guaranteed to get a solid return on everything.
How to use Capital One miles
When redeeming miles for travel, you’ve got a couple options. Both are virtually effortless — especially if you’re a PointsYeah user:
You can transfer your miles to airline and hotel partners.
You can simply swipe your card to pay for a travel purchase (airfare, cruises, Uber, hotel stays, even many on-site hotel restaurants). You’ve then got 90 days to offset your eligible purchase with miles at a rate of 1 cent each.
You can use miles to book flights, accommodation, or rental cars through Capital One Travel at a rate of 1 cent each.
Transferring miles to airlines and hotels is typically the way you’ll squeeze the most travel from your rewards. Here’s a look at all the loyalty programs that partner with Capital One (1:1 transfer ratio unless otherwise noted).
Accor Live Limitless (2:1)
Emirates
Singapore Airlines
Aeromexico
Etihad
TAP Portugal
Air Canada Aeroplan
EVA Air (2:1.5)
Turkish Airlines
Avianca
Finnair
Virgin Red
British Airways
Flying Blue (Air France and KLM)
Wyndham Rewards
Cathay Pacific
JetBlue (5:3)
Choice Privileges
Qantas
As you can see, Capital One has a great list of airline partners that can help you to get nearly anywhere on the planet. If you’re not sure how to use them, defer to the PointsYeah search engine.
PointsYeah lets you filter your award search by bank program. This makes it simple to quickly find flights and hotels you can book with Capital One miles.
PointsYeah helped me to find a United Airlines business class seat to Germany by transferring 70,000 Capital One miles to Avianca LifeMiles. That’s a steal for a Polaris seat!
Is the Capital One Venture worth a $95 annual fee?
The Capital One Venture charges a $95 fee upon account opening and after each cardmember anniversary. If you make good use of its perks, that price tag may easily be worth it.
In other words: If you’d pay $95 for the below card benefits, the Capital One Venture is a good deal.
Speed through airport security checkpoints
The Capital One Venture comes with up to $120 in credit to reimburse you for the application fee of either TSA PreCheck or Global Entry.
TSA PreCheck grants you the humanity of keeping your shoes, belt, and light jacket on when going through most domestic security checkpoints. You can also keep your laptop and TSA-approved toiletries in your bag (instead of pushing dozens of gray bins through the x-ray machine). You won’t even have to raise your arms in that invasive phone booth scanner thing — you’ll walk through a friendlier metal detector.
Global Entry lets you skip the immigration line when returning to the U.S. from another country. You can walk up to a self-serve kiosk, let it take a quick glance at your face, and head out the door. You’ll walk through a short checkpoint where an officer may ask you a question or two, but that’s it.
Global Entry comes with TSA PreCheck privileges — so it’s the better one to apply for.
Membership with both of these programs lasts for five years. And because the Capital One Venture’s $120 credit renews every four years, you’ll never have to pay out-of-pocket for these programs.
Access to Capital OneTravel
Those with the Capital One Venture Rewards Credit Card can access Capital One’s online travel booking agency — Capital One Travel. This is one of the better online travel agencies because of perks like:
Price drop protection. Get up to $50 in travel credits if your flight price decreases within 10 days of booking.
Price freeze. Hold the current price of your itinerary for up to 14 days for a small fee.
Cancel For Any Reason coverage. Change or cancel your travel details for any reason (even Basic Economy fares) and get up to 90% of your money back for a small fee.
You can also book hotels through the Capital One Lifestyle Collection, which gives you elite-like benefits (think room upgrades, late checkout, and a $50 experience credit) during your stay.
No foreign transaction fees
Several credit cards charge an arbitrary fee (often around 3%) when you buy something outside of the U.S. That makes any travel purchases, shopping, etc. during your international trip notably more expensive.
The Capital One Venture eats this fee, making it a good spending option for traveling overseas.
Reserve fancier rental cars for less
With a few clicks through your Capital One Venture online account, you can enroll in Hertz Five Star elite status. This status otherwise requires 10 rentals or $2,000 in Hertz spending. Benefits include 25% bonus points on paid rentals, upgrades when available, and more.
Decent travel insurance
The Capital One Venture Rewards Credit Card comes with travel insurance that, while not stellar (the Chase Sapphire Preferred’s travel insurance is considerably better), are sufficient for a mid-tier travel credit card. Coverage is automatic as long as you make your travel purchases with the card.
You’ll get:
Rental car insurance. You are covered for theft or collision damage up to the actual cash value of most cars. Coverage is secondary when renting domestically, meaning the card will only reimburse what your personal insurance won’t cover. You’ll get primary coverage when renting outside the U.S.
Lost luggage reimbursement. Capital One will give you up to $3,000 when the airline, cruise ship, etc. loses your luggage.
Travel accident insurance. Get up to $250,000 in compensation against loss of life, limbs, sight, speech, or hearing when the common carrier (like an airline) is at fault.
The card’s also got helpful benefits like Roadside Dispatch (similar to AAA) and Travel and Emergency Assistance Services. These aren’t “insurance,” but they can work to get you out of a bind when you’re away from home.
Book events and restaurants that others can’t
Capital One routinely gives its cardholders early and/or exclusive access to reserve popular events such as concert tickets, sports, culinary experiences, etc. Some restaurants even save tables for Capital One Venture cardholders in case they decide to book a last-minute reservation.
Can you make $4,000 in purchases within the next three months? The card’s current bonus is really good. But to earn the 75,000 bonus miles, you’ll have to spend $4,000 on purchases within three months.
This bonus is incentive enough to at least kick the tires on the card for a year to see if it complements your travel style.
Do you hate mentally juggling bonus spending categories? The card’s got a flat return rate of 2 miles per dollar for most purchases — which is excellent. You don’t have to stress about when to use the card and when not to. It’s great for all purchases.
Is the Capital One Venture easy to get?
The Capital One Venture Rewards Credit Card isn’t hard to get. It comes with many of the same standards as other similar rewards credit cards — though Capital One enforces some unique rules of its own:
Credit score. You should apply for this card if your credit score is 670 or above (considered “good” by FICO). If your credit score is lower, it may be tougher to get approved.
48-month rule. If you’ve received a Capital One Venture welcome bonus within the past 48 months, you won’t be eligible for another.
1/6 rule. Your results may vary with this one, but generally Capital One won’t approve you for more than one credit card application every six months.
So yeah, that’s the deal
For good reason, the Capital One Venture Rewards Credit Card is a super popular travel credit card. It’s got a huge welcome bonus — 75,000 bonus miles to use through Capital One Travel after meeting minimum spending requirements.
The card also has a high-octane earning rate that’ll help you to replenish your miles long after that bonus is spent.
The Capital One Venture X Business Card was forged from stainless steel exclusively for business owners with a passion for travel. It’s a premium card that comes with hundreds in annual travel credits, bonus points after each account anniversary, airport lounge access, and much more.
The card offers up to 150,000 bonus miles after completing spending requirements. Here’s everything you need to know about the Capital One Venture X Business — and how to use its rewards.
Offset travel purchases you make with your card up to 90 days later at a rate of 1 cent per mile. You can redeem your rewards for transactions like flights, hotels, rental cars, ferries, timeshares, and more.
You’ll almost always get the most travel from your miles by converting them into airline miles and hotel points.
For example, if you were to purchase the below $366 United flight from Indianapolis (IND) to Miami (MIA), you’d spend 36,600 Capital One miles to offset the transaction. But by transferring Capital One miles to Avianca, the flight would cost just 7,500 miles and $5.60 in fees.
Here’s a look at the airline and hotel programs that partner with Capital One. All transfers are 1:1 unless otherwise specified.
Accor Live Limitless (2:1)
Emirates
Singapore Airlines
Aeromexico
Etihad
TAP Portugal
Air Canada Aeroplan
EVA Air (2:1.5)
Turkish Airlines
Avianca
Finnair
Virgin Red
British Airways
Flying Blue (Air France and KLM)
Wyndham Rewards
Cathay Pacific
JetBlue (5:3)
Choice Privileges
Qantas
No matter where you want to visit, a Capital One partner can get you there. And PointsYeah makes finding the perfect award seat super easy. Enter your origin and destination into the PointsYeah search bar and filter results by Capital One partners. We’ll show you all your options in seconds.
If you’re feeling adventurous, try our Daydream Explorer tool to explore entire countries or continents at a time. You can even search all of Earth at once by typing “anywhere” as your origin and/or destination.
Is the Capital One Venture X Business worth a $395 annual fee?
The Capital One Venture X Business charges a $395 annual fee. But with one ounce of effort, you’ll be able to recoup that fee. We consider this card to be effectively a no annual fee card thanks to the following benefits.
Yearly bonuses
Here’s the key to squeezing more value from the Venture X Business than you’re investing in its annual fee. You’ll get two annual rewards that post to your account after each anniversary year:
Up to $300 in travel credit to be redeemed through Capital One Travel for flights, hotel stays, rental cars, etc. (you receive this credit upon account opening, as well)
10,000 bonus Capital One miles (beginning on your first account anniversary)
Remember, the 10,000 bonus miles are worth a minimum of $100 in travel. Between the annual travel credit and the bonus miles, Capital One is basically giving you $400 in free travel each year.
But transferring your miles to travel partners can make the deal even better. Check out our guide to where you can go with 5,000 miles or less for some inspiration.
Access to airport lounges
While walking through the terminal, have you ever noticed the sliding glass doors that business travelers are always ducking into? You don’t have to be a big shot to get in. You just need a card like the Capital One Venture X Business.
It gives you access to more than 1,300 airport lounges around the world. Airport lounges often come with free food and alcohol, fast Wi-Fi, conference rooms, lots of electrical outlets, and sometimes even showers and day beds.
You can visit Capital One Lounges, a collection of upscale lounges, as well as Capital One’s new restaurant-first concept, Capital One Landing. You can also use Priority Pass lounges — which are just about everywhere. And you can bring two guests for free.
More freedom to charge big expenses
The Capital One Venture X Business is a NPSL (No Preset Spending Limit) card. This means you don’t have a firm credit line. Instead, the card learns your spending habits and gives you extra leeway if you’re in the habit of making large purchases.
If the nature of your business demands that you charge tens of thousands of dollars at a time, you’re likely better off with a NPSL card than a standard credit card. Just note that you must pay your debt in full each month — the card doesn’t allow you to carry a balance month-to-month.
Expedited airport security experience
Every four years, the Capital One Venture gives you up to $120 in credit to reimburse you for the application fee to “trusted traveler” programs TSA PreCheck and Global Entry.
TSA PreCheck costs $78 for a five-year membership. It gives you the ability to (practically) sprint through the domestic airport security checkpoints without having to remove your shoes or belt — or even take your laptop out of your bag. Plus, you’ll go through an exclusive security lane that processes much faster.
Global Entry costs $120 for a five-year membership. It helps you to skip the immigration line when entering the U.S. from overseas. Instead of getting grilled by an immigration officer, just find a dedicated kiosk and it’ll quickly confirm your identity. Global Entry also comes with TSA PreCheck privileges.
Get special access to restaurants and events
Capital One caters heavily to dining and entertainment. It partners with some restaurants to help you land a reservation even when the joint is fully booked. Its Capital One Dining platform also hosts special experiences like cooking classes with prominent chefs.
And through Capital One Entertainment, you can book super popular music and sporting events and experiences through presale opportunities — so you can be one of the first to buy.
Is the Capital One Venture X Business right for you?
The Capital One Venture X Business is a uniquely capable business card that can serve just about any entrepreneur. But it’s especially great for business owners that answer “yes” to the following questions.
Is your business spending unconventional? If your business expenses don’t fall into a typical bonus category (think office supplies, shipping, online advertising, gas, etc.), this 2X everywhere card is a stellar option to funnel all your purchases through.
Does your business have lots of expenses? If you need a sizable credit line to make big business purchases, the Capital One Venture X Business is one of your best options since it has no preset spending limit.
Do you have travel aspirations? This card is meant for travelers. if you don’t travel for pleasure or business, a cash back credit card may better serve your goals.
Is the Capital One Venture X Business easy to get?
Again, the Capital One Venture X Business is a premium travel card. But it’s not notoriously hard to get. Here are some guidelines to follow:
You must own a business. This card is exclusively for business owners compared to the Capital One Venture X built for all travelers.
You have a good credit score. As a premium card, lower credit scores might not get accepted.
Abide by the 1/6 rule. Capital One usually won’t approve you for more than one credit card application within a six-month period.
So yeah, that’s the deal
Though the Capital One Venture X Business is a premium business card, its $395 annual fee is notably lower than its high-end competitors. You can very easily negate that fee thanks to its anniversary bonuses such as a $300 travel credit and 10,000 bonus miles.
Editorial Disclosure: Opinions, reviews, analyses & recommendations are PointsYeah’s alone, and have not been reviewed, endorsed or approved by any of these entities. Some links on this website will earn an affiliate commission.
I’ve had the Chase Sapphire Preferred® Card for over 10 years. I’ve used its points and travel perks to hop all over the world for nearly free.
Case in point: My first award flight was to the Philippines for 40,000 Chase Ultimate Rewards® points and $5.60. That’s less out-of-pocket than the Grande six-pump Cinnamon Dolce Flat White I nursed while waiting for my flight.
You don’t have to know a ton about travel rewards to squeeze lots of trips out of its points.
The rewards it earns can be transferred to over a dozen airline and hotel programs. In other words, it’s a good points currency to invest in if you don’t have firm travel plans.
Its travel insurance is fantastic. It’s saved me thousands of dollars over the years.
The Chase Sapphire Preferred offers 60,000 Chase Ultimate Rewards® points after you spend $5,000 on purchases within the first three months from account opening. You can do just about anything with that big of a points stockpile. I’ll show you what I mean — and why the Chase Sapphire Preferred® Card is worth opening even without this huge bonus.
How do Chase Ultimate Rewards work?
How to earn Chase points
TheChase Sapphire Preferred® Card comes with 60,000 bonus points after you spend $5,000 on purchases within the first three months from account opening. That’s 40,000 points higher than its standard offer. It’s been nearly four years since the card has touted a bonus this juicy.
Beyond its welcome bonus, the Chase Sapphire Preferred earns points at the following rates:
3 points per dollar on dining (including eligible delivery services)
3 points per dollar for online grocery purchases (except for Target, Walmart, and wholesale clubs)
3 points per dollar for eligible streaming services
2 points per dollar on travel purchases (flights, hotels, Airbnb, rental cars, rideshare services, tolls, etc.)
1 point per dollar on all other eligible purchases
You’ll also earn 5 points per dollar when you book flights, hotel stays, rental cars, etc. through Chase Travel℠ (excluding expenses that are reimbursed by the card’s annual $50 hotel credit — we’ll talk about that in a minute).
How to use Chase points
You’ve got a lot of options when it comes to redeeming Chase points. You can cash them out at a rate of 1 cent per point; you can “buy” flights, hotels, and more through Chase’s proprietary booking platform, Chase Travel℠, at a rate of 1.25 cents per point.
But you’ll typically get the most travel (by far) when you convert points into airline miles and hotel points with Chase’s travel partners.
Here’s a quick look at all the loyalty programs that partner with Chase.
Aer Lingus
Emirates
IHG One
Singapore Airlines
Virgin Atlantic
Air Canada
Flying Blue (Air France and KLM)
JetBlue
Southwest
World of Hyatt
British Airways
Iberia
Marriott Bonvoy
United Airlines
PointsYeah lets you filter your award flights and hotel stays by bank program — giving you a quick and easy look at fun ways to use your Chase points no matter where you’re heading.
With the exception of that frigid white continent to the south, you can get just about anywhere with the current 60,000-point bonus.
PointsYeah also lets you set alerts to help you find inexpensive awards for super popular flights and hotels. I managed to book an $1,800 room at the Park Hyatt New York with 45,000 Chase points thanks to PointsYeah Hotel Alerts.
You’ll pay a $95 membership fee when you open the Chase Sapphire Preferred — and after every cardmember anniversary. But those who book even a couple of trips each year can easily justify the card’s fee.
Let’s take a quick look at the card’s best benefits. If you think these are worth more than $95 per year, the card is worth its annual fee.
Loads of statement credits
The Chase Sapphire Preferred comes with several credits and refunds. With very little effort, you could conceivably save hundreds of dollars per year:
$50 hotel credit. Each account anniversary year, you’ll get up to $50 in statement credits toward prepaid hotels booked through Chase Travel℠. If you regularly book your hotel stays through an online travel agency, like Expedia or Kayak, you’ll have no trouble using this credit.
DashPass membership. Get 12 months of free DashPass ($0 delivery fees, exclusive offers, and more) and $10 per month in non-restaurant orders when you activate the offer by Dec 31, 2027. DashPass otherwise costs $9.99 per month, so this is a nice value if you already pay for DoorDash.
Chase Offers. These are digital coupons and promotions that you can manually add to your card from your online account. Many times you’ll see offers that can save you money on purchases you planned to make anyway, such as gas, wireless services, streaming, etc.
Top-notch travelinsurance
The most compelling reason I keep the Chase Sapphire Preferred in my wallet year after year is its travel insurance. Coverage is automatic as long as you pay for your travel with the card. Here are some of the perks you’ll get:
Primary rental car insurance. Instead of paying the $10+ per day for a rental agency’s in-house insurance plan, the Chase Sapphire Preferred covers you up to $60,000 for theft and collision damage on most cars.
Trip delay insurance. If your flight is delayed by more than 12 hours (or requires an overnight stay), Chase will reimburse you for up to $500 in “reasonable” expenses — including a hotel night and meals.
Baggage delay insurance. When your bag is delayed by more than six hours, Chase will give you $100 per day (up to five days) to buy things that you need for your trip. This includes clothes, toiletries, a phone charger, etc.
Trip cancellation and interruption insurance. You’ll get reimbursed up to $10,000 per covered traveler (max $20,000 per trip) when your nonrefundable travel is canceled or cut short for a qualifying reason (such as inclement weather or injury).
Here’s an amusing/nightmarish anecdote: During a trip to Dublin, United Airlines lost my checked bag for over a week. Because I had paid for my flight with the Chase Sapphire Preferred, Chase reimbursed me for $500 in new clothes. And on the same trip, I ended up scraping my rental car and was charged $2,300 by the rental agency. I sent the bill to Chase — and they cut me a check for the full amount within a few weeks.
No foreign transaction fees
A lot of credit cards will stick you with a 3% fee when you make purchases outside the U.S. That can add up in a hurry, especially if you book expensive hotels or do a lot of shopping.
The Chase Sapphire Preferred waives this ridiculous fee — so it’s a great companion if you’ve got international travel plans.
There are a handful of questions you can ask yourself to quickly determine if the Chase Sapphire Preferred® Card is a good match for your wallet. Say yes to any of these and the card is a no-brainer.
Can you make $5,000 in purchases within the next three months? The card’s60,000-point bonus after spending $5,000 within the first three months is too good to pass up. Again — while the points are best used by transferring to airline and hotel partners, you could simply cash it out for $600. It’s like Chase is giving you a free $600 just to try the card out. That’s crazy.
Do you pay for travel insurance? You know how airlines and hotels often have a travel insurance add-on during checkout? If you typically opt for this coverage, the Chase Sapphire Preferred can save you a lot by giving you similar protections automatically.
Do you travel at least a couple times each year? For those who almost never travel, there are better cards out there with benefits that are more relevant to your lifestyle — such as cash back credit cards.
Do you spend a lot on dining, streaming, or online grocery shopping? The Chase Sapphire Preferred earns 3 points per dollar on eligible purchases in these categories. You could easily earn many tens of thousands of points each year from these expenses alone.
The Chase Sapphire Preferred isn’t more difficult to get than most other travel credit cards. Still, there are a few things that will guarantee you an application denial:
Credit score. The Chase Sapphire Preferred is recommended for those with a credit score of 670 or above. If your credit score isn’t quite there yet, keep exhibiting good credit habits. You’ll get there.
Chase “5/24 rule”. If you’ve opened five or more credit cards from any bank in the past 24 months (excluding most small business credit cards), you won’t be approved for the Chase Sapphire Preferred.
Sapphire 48-month rule. If you’ve earned a welcome bonus from a Chase Sapphire card in the past 48 months (including the Sapphire Preferred’s fancy sibling, the Chase Sapphire Reserve®), you aren’t eligible to earn another bonus.
One Sapphire rule. If you already hold the Chase Sapphire Preferred or Chase Sapphire Reserve, you’re not eligible to open another Sapphire card and earn the bonus. To open the Chase Sapphire Preferred again, you’ll have to either cancel your current card or downgrade it to a no annual fee Chase Freedom Flex℠ or Chase Freedom Unlimited®.
So yeah, that’s the deal
The Chase Sapphire Preferred® Card is one of our absolute favorite rewards credit cards. Chase has crammed a lot of great travel benefits inside its thin metal chassis.
And best of all, the card comes with a 60,000 bonus points after meeting minimum spending requirements.
Got a whole bunch of credit card points but aren’t sure how to spend them? PointsYeah’s search tool is a foolproof way to make your travel planning easier. From converting points into airline miles to formally booking your travel, we hold your hand the whole way.
Although PointsYeah does the heavy lifting, it’s still worth understanding simple details like:
Which airlines partner with each points program?
Which credit cards can you open to quickly amass the points that’ll best fit your travel goals?
American Express Membership Rewards points
Which airlines partner with Amex Membership Rewards?
Aer Lingus
Cathay Pacific
Iberia
Aeromexico
Delta
JetBlue
Air Canada
Emirates
Qantas
ANA
Etihad
Qatar Airways
Avianca
Flying Blue (Air France and KLM)
Singapore Airlines
British Airways
Hawaiian Airlines
Virgin Atlantic
While looking for award flights, PointsYeah displays live search results that show you how many points you’ll need to transfer to each specific airline program. It even shows you active transfer bonuses.
Most transfers are instant — so you can book your travel immediately after you initiate the conversion.
Another quick note: When transferring Amex points to a U.S. airline (like Delta or JetBlue or Hawaiian Airlines), you’ll be subject to a fee of 0.06 cents per point. For example, you’ll pay $60 for every 100,000 points you transfer. You’ve also got the option to redeem Amex points at a rate of 0.5 cents each to offset the fee.
Again, this doesn’t apply to foreign airlines — only those based in the U.S.
How to transfer American Express Membership Rewards to airlines
Step 1. Log into your American Express online account and select a Membership Rewards-earning card (like the Amex Platinum Card).
Step 2. Click the “Rewards & Benefits” tab. Under the “Earn and Redeem” drop-down menu, find the “Transfer Points” option. This will take you to a page listing all Amex transfer partners.
Step 3. Choose the airline program you’d like to transfer your points to. Before you transfer, Amex will ask you to enter your airline loyalty number. It’ll save your info for future use.
Step 4. Review and submit your transfer. You’ll need to authenticate the transfer by inputting the three-digit code on the back of your card, entering a temporary code sent to your email, or completing another verification method.
Bilt Rewards
Which airlines partner with Bilt Rewards?
Aer Lingus
Cathay Pacific
TAP Portugal
Alaska Airlines
Emirates
Turkish Airlines
Avianca
Flying Blue (Air France and KLM)
United Airlines
Air Canada
Iberia
Virgin Red (Virgin Atlantic)
British Airways
Southwest
Again, PointsYeah will show you live award inventory and give you links to help you transfer your points instantly (in most cases) to your preferred airline program — and even alert you of transfer bonuses to make your flight even cheaper.
Which credit cards earn Bilt Rewards?
Card
Annual fee
Welcome bonus
Bilt Mastercard®
$0
N/A
How to transfer Bilt Rewards to airlines
Step 1. Open the Bilt Rewards app on your phone and click the “Rewards” tab at the bottom of the screen.
Step 2. Find the “Transfer” button at the top of the screen and select it. This will bring you to a page with all of Bilt’s transfer partners.
Step 3. Choose the airline you want to transfer your points with. Input the number of points you’d like to transfer.
Step 4. Review and submit your transfer.
Capital One miles
Which airlines partner with Capital One miles?
Aeromexico
Etihad
Singapore Airlines
Air Canada
EVA Air
TAP Portugal
Avianca
Finnair
Turkish Airlines
British Airways
Flying Blue (Air France and KLM)
Virgin Red (Virgin Atlantic)
Cathay Pacific
JetBlue
Emirates
Qantas
Transferring Capital One miles to airlines is typically instant. And because PointsYeah displays live award availability, you can transfer your miles to the airline and book your trip in just a minute or two. We’ll tell you how many miles you need to convert for your desired flight — and also let you know of any Capital One miles transfer bonuses.
Which credit cards earn Capital One miles?
Card
Annual fee
Welcome bonus
Capital One Venture Rewards Credit Card
$95
75,000 bonus miles
Capital One Venture X Rewards Credit Card
$395
75,000 bonus miles
Capital One Venture X Business Card
$395
75,000 bonus miles
Capital One VentureOne Rewards Credit Card
$0
20,000 bonus miles
Capital One Spark Miles for Business
$95 (waived the first year)
50,000 bonus miles
Capital One Spark Miles Select for Business
$0
50,000 bonus miles
Capital One Spark Cash Plus
$95 (waived the first year)
$750*
Capital One Savor Rewards Credit Card
$0
$200*
Capital One Quicksilver Cash Rewards Credit Card
$0
$200*
Capital One QuicksilverOne Cash Rewards Credit Card
$39
N/A*
*You can convert the cash back you earn with Capital One credit cards into transferable miles as long as you also hold a Capital One miles-earning card, like the Capital One Venture. The transfer rate is 1 mile per cent. For example, you could convert $50 in cash back into 5,000 Capital One miles.
In other words, even cash back Capital One cards are great for earning travel rewards.
How to transfer Capital One miles to airlines
Step 1. Log into your Capital One online account and click the “View Rewards” button on your dashboard. You’ll then be taken to the rewards page with several different redemption options.
Step 2. Click the “Transfer rewards” box to find the list of all Capital One airline partners.
Step 3. Choose the airline program you’d like to transfer your miles to. You’ll need to enter your airline loyalty number if you haven’t previously linked it to your Capital One account.
Step 4. Enter the number of miles you’d like to convert. Review and confirm your transfer.
Chase Ultimate Rewards points
Which airlines partner with Chase Ultimate Rewards?
Aer Lingus
Flying Blue (Air France and KLM)
Southwest
Air Canada
Iberia
United Airlines
British Airways
JetBlue
Virgin Atlantic
Emirates
Singapore Airlines
Chase Ultimate Rewards points convert to airlines programs instantly. PointsYeah gives you a live look at award seats — so when you find the flight you want, you can have it reserved in minutes. The search results will tell you how many Chase points you’ll need to book the flight, as well as any current transfer bonuses.
Which credit cards earn Chase Ultimate Rewards?
Card
Annual fee
Welcome bonus
Chase Sapphire Preferred® Card
$95
75,000 bonus points
Chase Sapphire Reserve®
$550
75,000 bonus points
Ink Business Preferred® Credit Card
$95
90,000 bonus points
Chase Freedom Unlimited®
$0
Up to $300*
Chase Freedom Flex℠
$0
$200*
Ink Business Cash® Credit Card
$0
$750*
Ink Business Unlimited® Credit Card
$0
$750*
*You can convert the cash back you earn with Chase credit cards into transferable points — but you must have a Chase Ultimate Rewards point-earning credit card, like the Chase Sapphire Preferred. You’ll get 1 point per cent, meaning, you could convert $100 in cash back into 10,000 Chase points.
How to transfer Chase points to airlines
Step 1. Log into your Chase online account and click on an Ultimate-Rewards credit card. You’ll see a “Redeem” button near the top of the page. Alternatively, you can head directly to the Chase Ultimate Rewards website and choose your Ultimate Rewards credit card.
Step 2. On your account dashboard, you’ll see a “Travel” tab at the top of the page. Find and click the “Transfer points to partners” link from the drop-down menu.
Step 3. From Chase’s list of airline partners, choose the program you’d like to transfer your points to. You’ll need to link your airline account to Chase if you haven’t already. Just enter your loyalty number when prompted.
Step 4. Enter the number of points you’d like to convert. Review and confirm your transfer.
Citi ThankYou points
Which airlines partner with Citi ThankYou points?
Aeromexico
EVA Air
Singapore Airlines
Avianca
Flying Blue (Air France and KLM)
Thai Airways
Cathay Pacific
JetBlue
Turkish Airlines
Emirates
Qantas
Virgin Atlantic
Etihad
Qatar Airways
Citi ThankYou points generally transfer to programs instantly. PointsYeah will quickly show you how many points you’ll need for your flight (accounting for active transfer bonuses), and it’ll display live award availability. Just choose your flight, and we’ll show you how to quickly book it.
Which credit cards earn Citi ThankYou points?
Card
Annual fee
Welcome bonus
Citi Strata Premier℠ Card
$95
75,000 bonus points
Citi Prestige® Card
$495
N/A
Citi Rewards+® Card
$0
20,000 bonus points*
Citi Double Cash® Card
$0
$200*
Citi Custom Cash® Card
$0
$200*
*You can turn any rewards you earn with Citi’s cash back cards into transferable ThankYou points as long as you also hold a ThankYou points-earning credit card like the Citi Strata Premier. You’ll get 1 point per cent, meaning, you can turn $100 in cash back into 10,000 Citi points.
It’s also worth noting that the Citi Rewards+ Card’s redemption options are effectively identical to Citi’s cash back credit cards. So to unlock the full potential of that card’s rewards, you’ll also need to hold a card like the Citi Strata Premier.
How to transfer Citi points to airlines
Step 1. Navigate to ThankYou.com and login with your Citi credit card credentials. You may need to manually select the Citi Strata Premier — or another card that earns fully transferable points, like the Citi Prestige.
On the home page is a “More Ways to Redeem” tab. Click “Points Transfer” from the drop-down menu.
Step 2. You’re now looking at a list of all Citi transfer partners. Find the airline you want to transfer to and click “Continue.” Link your airline loyalty account (if you haven’t already) by entering it into the ThankYou website when prompted.
Step 3. Enter the number of points you’d like to convert. Review and confirm your transfer.
Wells Fargo Rewards
Which airlines partner with Wells Fargo Rewards?
Aer Lingus
Flying Blue (Air France and KLM)
Avianca
Iberia
British Airways
Virgin Atlantic
In most cases, rewards will deposit into your airline account immediately after initiating a transfer from Wells Fargo. Take a quick look at available flights through PointsYeah’s live award search, and we’ll give you instructions for how to quickly transfer points and book your travel. We’ll even tell you when there’s a hard-to-ignore transfer bonus.
Which credit cards earn Wells Fargo Rewards?
Card
Annual fee
Welcome bonus
Wells Fargo Autograph℠ Card
$0
20,000 bonus points
Wells Fargo Autograph Journey℠ Card
$95
60,000 bonus points
Wells Fargo Active Cash® Card
$0
$200*
Wells Fargo Attune℠ Card
$0
$100*
Even Wells Fargo’s cash back cards that aren’t marketed as “travel” credit cards can be a boon for collecting travel rewards. If you’ve got a Wells Fargo points-earning card, like the Wells Fargo Autograph Card, you can convert the cash back you earn into Wells Fargo points at a rate of 1 point per cent — meaning $20 equals 2,000 travel points.
How to transfer Wells Fargo points to airlines
Step 1. Sign into your Wells Fargo online account and roll over the “Use Rewards” tab at the top of the page.
Step 2. From the drop-down menu, find and click the “Rewards Points Transfer” link. This will take you to a list of Wells Fargo transfer partners.
Step 3. Choose the airline you want to use and enter the number of points you’d like to transfer.
Step 4. Review your transfer and click “Submit.”
Cautions, caveats, and advice
Take advantage of transfer bonuses
Banks often publish bonuses which can help to stretch the rewards you earn by rewarding you for transferring your flexible points to specific airline partners.
For example, you may find that American Express is offering a 30% bonus when transferring to Virgin Atlantic. This improves the standard 1:1 transfer ratio to 1:1.3. That’s an extra 300 miles for every 1,000 points you transfer.
Transfers are final
When you convert transferable points to an airline, you can’t convert them back. For this reason, we don’t recommend transferring points until you’re ready to book.
Some points take a while to transfer
In most cases, transferable points deposit into your airline account within a day (typically within minutes). But some partners may take longer to process. If you’re uniquely cursed, the award seats you want may have disappeared by the time you get your miles.
It probably won’t happen to you, but it’s something to be aware of.
Pretty simple, Yeah?
Transferring bank points to an airline is simple and takes only a minute or two. The stressful part is trying to figure out how to best use those rewards. PointsYeah eliminates all that mental strain and feeds you the top options in seconds.
Save your brainpower for earning travel rewards. We’ll do the rest.
