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American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since integrating SLH hotels into Hilton Honors (See Dave’s musing about his thinking on how Hilton points may be becoming more valuable and this more recent article about the extreme value in SLH and other high end Hilton brands.). The integration is already providing exceptional value at properties with rates in the $1,000 – $2,000 a night range for, on average, 130,000 points a night. So, it appears his musing has become a reality.
And as long as you have at least the lowest tier Hilton status, the 5th night is free on any award and resort fees are also waived on award stays.
We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,500 Hilton Honors points.
Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring.
For context on the size of this bonus, since 2022 Amex has had 6 transfer bonuses to Hilton. A 40% one for Platinum Card holders only last year and the other 5 were 30%, 25%, 30%, 30%, and 30%. So this is in line with a standard offer that Amex offers 2 to 3 times a year.
It may take up to 24 hours to get the bonus miles which are being offered by Lifemiles rather than Amex.
Exact end time is February 28th, 2025 (11:59 PM GMT-6).
Details of the transfer bonus are here on the Lifemiles website. The bonus is being solely offered by Lifemiles and therefore you will not see the offer on the American Express website.
That said, I do not think almost anyone should be taking advantage of this offer.
As I said on the 1st, when Bilt was offering up to a huge 100% transfer bonus:
Avianca is a Star Alliance partner that does not pass along fuel surcharges, however:
Keep in mind that Avianca recently devalued their program.
Also see: Downsides of the LifeMiles program.
With frequent website issues, terrible customer support, and change/cancel fees of up to $200 a ticket, it’s just not for me.
Unlike the Bilt offer, with this offer a mere 15%, I cannot see a case for the transfer unless you were literally about to make a Lifemiles booking anyway.
Bonus points for spend in the following bonus categories:
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Cash® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Bonus points for spend in the following bonus categories:
- Earns 5X on office supply stores, cable, internet, and phone
- Points earned can be transferred to other eligible Chase Ultimate Rewards cards
- Earn a 10% Business Relationship Bonus (only cards opened March 21 - Nov 2024; requires Chase Business Checking account) and No annual fee
Pros
- Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories - on up to $25,000 in combined purchases each cardmember year.
- No annual fee
- Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card
Cons
- Charges a foreign transaction fee
- Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
- Earns only 1% on non-bonus categories
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening.
Bonus points for spend in the following bonus categories:
Only at Hyatt family hotels booked directly. 1X on other hotels.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
- Earn elite night credits from eligible spend
- Gives you automatic World of Hyatt Discoverist status
- Has a wide range of card benefits, including primary car rental CDW
Pros
- Earn elite night credits from eligible spend
- Grants you automatic World of Hyatt Discoverist status
- Has a wide range of travel and shopping benefits
Cons
- Somewhat high annual fee
- No bonus categories earn more than 2X Hyatt points
- The Discoverist status is the lowest of the Hyatt elite tiers
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
United℠ Business Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Bonus points for spend in the following bonus categories:
- Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
- Free first checked bag benefit, worth $40 or up to $160 per round trip (Terms apply) for every round-trip United Airlines flight you take
- Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking
Pros
- United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
- Earn PQPs towards elite status
- Great travel and purchase protections that can help your business save when things don't go as planned
Cons
- The annual fee is $99
- Only provides two United Club passes per year
- Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Citi Strata Premier® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
For a limited time, earn 75,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
This transfer bonus is being run on the Qatar side, so you will not see the bonus offer on the Citi ThankYou website.
This bonus offer is valid for Point Transfers completed between 02/16/25 12:01 AM ET and 03/15/25 11:59 PM ET
Terms and Conditions for Citi Strata Premier™, Citi Prestige®, AT&T Access More Cardholders in the US:
- For the Avios Points promotional offer, you will receive 1.2 Avios for every 1 ThankYou Point transferred during the promotional period listed above. The normal conversion rate is 1 Avios for every 1 ThankYou Point transferred. For example, if you transfer 1,000 ThankYou Points, you will receive a total of 1,200 Avios.
Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avois partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.
IMPORTANT NOTE: Qatar has devalued their own program twice in recent months, first significantly raising the pricing for AA and Alaska awards, then by adding significant new surcharges on long haul premium awards by almost 200%. I wouldn’t transfer speculatively for just 20% myself, but an Avios pro user with lots of ThankYou points might.
Also, I have to admit I did not realize that AT&T Access More cardmembers could transfer to Qatar – however, the card has not been available to new applicants or even by product change in many years.
Here is a link to the offer on the Qatar website.
Bonus points for spend in the following bonus categories:
- Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
- Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
- Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel
Pros
- The $95 annual fee can be completely offset by the $100 hotel credit
- Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
- Trip Protection benefits
Cons
- Citi ThankYou® points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
- Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
- No domestic airline transfer partners
If you have a Citi Strata Premier® card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Strata Premier or Prestige, then your ThankYou points are worth 1 cent each.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
35,000 Bonus Points after spending $3,000 within the first three months from account opening. Plus, you can earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent on purchases that normally earn 1 Bonus Point for the first 6 months from account opening, on up to $15,000 spent.
Bonus points for spend in the following bonus categories:
At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X
- Complimentary hotel night certificate on each cardmember anniversary.
- Automatic Hyatt Discoverist elite status just for holding the card.
- Earn additional qualifying night credits toward higher Hyatt elite status.
Pros
- Complimentary World of Hyatt Discoverist status, plus earn qualifying elite night credits toward higher elite status.
- One free Category 1-4 award night each cardmember anniversary plus earn an extra free night by spending $15,000 in a calendar year.
- Earn bonus points in a wide range of spending categories.
Cons
- Lacks any killer bonus categories aside from on Hyatt stays.
- It may be better to earn Chase Ultimate Rewards instead and then transfer points to World of Hyatt, while keeping some flexibility.
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Platinum American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 90,000 Bonus Miles after spending $4,000 in purchases on the new Card in the first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
At restaurants, including takeout and delivery in the U.S.
At U.S. Supermarkets. * American Express defines a supermarket as offering a wide variety of food and household products such as meat, fresh produce, dairy, canned and packaged goods, household cleaners, pharmacy products and pet supplies. (Superstores, convenience stores and warehouse clubs are NOT considered supermarkets.)
- The annual companion certificate can easily outweigh the $350 annual fee and can be used for round trip domestic flights on Delta Air Lines (Terms apply)
- Get $2,500 MQDs annually just for having the card plus you can spend your way towards Medallion Status with 1 MQD per $20 spent.
- Get a 15% discount off of Delta award flights
Pros
- $2,500 annual MQDs and the opportunity to spend your way towards Medallion Status (MQDs)
- Receive a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. (Terms apply)
- Jam-packed with traveler's benefits, such as a Global Entry or TSA PreCheck fee credit, a first free checked bag when flying Delta Air Lines, trip delay coverage, baggage insurance and more
Cons
- $350 annual fee
- Doesn't offer Delta Sky Club access
- While the ability to spend your way towards Medallion status is helpful, it requires a hefty amount of spending
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Gold Business American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
LIMITED TIME OFFER: Earn 90,000 Bonus Miles after spending $6,000 in purchases on the new Card in the first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.
Bonus points for spend in the following bonus categories:
U.S. providers only
U.S. providers only
Multiplier only applies to flights booked on Delta, otherwise earn 1X
- You and up to eight companions on the same flight reservation can get a free checked bag on Delta flights -- saving you $30 per person, per flight!
- When it comes time to redeem your hard-earned SkyMiles, you'll get a nice 15% discount on award redemptions for Delta flights.
- Get access to a solid range of travel and purchase protections with the card, such as secondary car rental collision and damage waiver insurance and extended warranty.
Pros
- First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding
- Enjoy a 20% discount for onboard purchases
- Opportunity to earn a future $200 Delta flight credit by spending $10,000+ on the card every year
Cons
- $150 ongoing annual fee after the first year
- No Delta Sky Club membership or access
- Unlike the Platinum and Reserve card versions, you cannot earn an MQD waiver or earn MQMs from qualifying spend.
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Reserve®
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase Ultimate Rewards point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense, so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.
- Earns extremely valuable Chase Ultimate Rewards points
- Priority Pass Select airport lounge access for you and 2 guests
- 3X points on dining and travel purchases with no limit - and even more points per dollar when you book airfare, hotels, and car rentals through Chase
Pros
- Aside from a $300 annual credit on travel, you'll earn 3X Chase Ultimate Rewards points on all your travel purchases - and even more when you book via Chase
- Full Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
- Chase Ultimate Rewards points are both extremely valuable and simple to use
Cons
- High annual fee
- Not as many bonus categories as some other cards
- Doesn't come with any airline or hotel statuses
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Preferred® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Bonus Offer
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase Ultimate Rewards point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense, so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
- Earns valuable and highly flexible Chase Ultimate Rewards points.
- Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
- 3X points on dining means you can rack up points quickly!
Pros
- You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
- Earns valuable and highly flexible Chase Ultimate Rewards points.
- Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
Cons
- A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
- High credit scores required for account opening.
- Lack of travel benefits like a Global Entry application fee credit.
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.


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