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Capital One Venture X Business
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 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
From now until March 31st, Etihad Guest is running their own transfer bonus.
Of all eligible partners, the only US participating bank is Capital One. You will get between 20% and 40% bonused depending on how much you transfer. You won’t find the promo on Capital One’s website.
Complete a points transfer between 03 March 2025 (00.00am UTC+4) and 31 March 2025 (23.59pm UTC+4) and receive up to 40% of bonus miles.
- Etihad Guest members who transfer 0 to 9,999 miles, will receive 20% Bonus miles on each transaction.
- Etihad Guest members who transfer above 10,000 to 49,999 miles, will receive 30% Bonus miles on each transaction.
- Etihad Guest members who transfer from 50,000 and above miles, will receive 40% Bonus miles on each transaction.
Now, should you transfer? My opinion is that only an expert user of Etihad Guest should even consider it. If booking on Etihad itself (which you might do for access to Etihad First Class space), you will pay between 25% and 75% to cancel a GuestSeat (saver) booking. That is the most punitive of any program I can think of. You can use it to book JetBlue (80k US-Europe in business) but you can also use Qatar for that without the punitive penalties.
You can book short haul partner awards like AA for as little as 6,000 miles, but I don’t think the juice is worth a speculative squeeze. Then again, AA to Europe for 65,000 Etihad isn’t bad with a 40% transfer bonus… You can always check pricing for Etihad Partners if considering it and you can view. the promotion page here.
Bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
- Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
- No Preset Spending Limit; Earns Capital One Miles
Pros
- The annual fee is more than covered by annual credits
- Comes with access to Capital One lounges and Priority Pass lounge with generous guest policies
- Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
- No Preset Spending Limit
Cons
- The annual fee, while effectively negative $5 after credits, can feel like a lot.
- Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
- Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.
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.
Capital One Spark Cash Plus
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 a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.
Bonus points for spend in the following bonus categories:
Only when booked via Capital One Travel; Otherwise earn 1X.
Only when booked via Capital One Travel; Otherwise earn 1X.
- No preset spend limit as a charge card
- Easy 2% cash back on all purchases; no bonus category restrictions
- No foreign transaction fees
Pros
- With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
- You'll never pay any foreign transaction fees.
- 2% cashback on all purchases.
Cons
- The $150 annual fee may be high if you aren't going to put significant spend on this card.
- There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
- Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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 Preferred® 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 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.
However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.
Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.
Beyond that, my usual thoughts apply:
Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.
Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business – hello, sweet spot!
BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare. Beware their draconian surcharges on long haul awards.
Bonus points for spend in the following bonus categories:
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
- Earns fully transferable Chase Ultimate Rewards points
- 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
- Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
Pros
- 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
- Earns fully transferable Chase Ultimate Rewards points
- Travel protections, primary car rental CDW, and cell phone protections
Cons
- $95 annual fee
- The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
- No 0% intro APR offers
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.
Capital One Venture Rewards 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.
👑 Best Ever Offer
Limited Time Offer: Earn 75,000 Miles once you spend $4,000 on purchases within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit to use in your first cardholder year – that’s equal to $1,000 in travel.
From now until March 31st, Etihad Guest is running their own transfer bonus.
Of all eligible partners, the only US participating bank is Capital One. You will get between 20% and 40% bonused depending on how much you transfer. You won’t find the promo on Capital One’s website.
Complete a points transfer between 03 March 2025 (00.00am UTC+4) and 31 March 2025 (23.59pm UTC+4) and receive up to 40% of bonus miles.
- Etihad Guest members who transfer 0 to 9,999 miles, will receive 20% Bonus miles on each transaction.
- Etihad Guest members who transfer above 10,000 to 49,999 miles, will receive 30% Bonus miles on each transaction.
- Etihad Guest members who transfer from 50,000 and above miles, will receive 40% Bonus miles on each transaction.
Now, should you transfer? My opinion is that only an expert user of Etihad Guest should even consider it. If booking on Etihad itself (which you might do for access to Etihad First Class space), you will pay between 25% and 75% to cancel a GuestSeat (saver) booking. That is the most punitive of any program I can think of. You can use it to book JetBlue (80k US-Europe in business) but you can also use Qatar for that without the punitive penalties.
You can book short haul partner awards like AA for as little as 6,000 miles, but I don’t think the juice is worth a speculative squeeze. Then again, AA to Europe for 65,000 Etihad isn’t bad with a 40% transfer bonus… You can always check pricing for Etihad Partners if considering it and you can view. the promotion page here.
Bonus points for spend in the following bonus categories:
When booked through Capital One Travel; else earn 2X
When booked through Capital One Travel; else earn 2X
- Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
- Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
- Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.
Pros
- Great sign-up bonus
- Easy 2X Miles on all eligible purchases
- Hertz Five Star elite status
Cons
- Not as strong travel protections as the more robust Capital One Venture X Credit Card
- No complimentary access to Capital One lounges, but can purchase passes at a special rate of $45
- While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.
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.
Capital One Spark Miles for Business
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
Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
From now until March 31st, Etihad Guest is running their own transfer bonus.
Of all eligible partners, the only US participating bank is Capital One. You will get between 20% and 40% bonused depending on how much you transfer. You won’t find the promo on Capital One’s website.
Complete a points transfer between 03 March 2025 (00.00am UTC+4) and 31 March 2025 (23.59pm UTC+4) and receive up to 40% of bonus miles.
- Etihad Guest members who transfer 0 to 9,999 miles, will receive 20% Bonus miles on each transaction.
- Etihad Guest members who transfer above 10,000 to 49,999 miles, will receive 30% Bonus miles on each transaction.
- Etihad Guest members who transfer from 50,000 and above miles, will receive 40% Bonus miles on each transaction.
Now, should you transfer? My opinion is that only an expert user of Etihad Guest should even consider it. If booking on Etihad itself (which you might do for access to Etihad First Class space), you will pay between 25% and 75% to cancel a GuestSeat (saver) booking. That is the most punitive of any program I can think of. You can use it to book JetBlue (80k US-Europe in business) but you can also use Qatar for that without the punitive penalties.
You can book short haul partner awards like AA for as little as 6,000 miles, but I don’t think the juice is worth a speculative squeeze. Then again, AA to Europe for 65,000 Etihad isn’t bad with a 40% transfer bonus… You can always check pricing for Etihad Partners if considering it and you can view. the promotion page here.
Bonus points for spend in the following bonus categories:
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
- Earns 2X Capital One Miles on all purchases
- No foreign transaction fees
- Can purchase passes for Capital One Lounges at a special rate of $45
Pros
- Earns 2X Capital One Miles on all purchases
- Global Entry ($120) / TSA PreCheck ($85) Reimbursement every four years
- Can purchase passes for Capital One Lounges at a special rate of $45
Cons
- $95 annual fee after the first year
- Can only use the miles towards travel. There is no way to convert miles to cash
- No complimentary access to Capital One lounges, but can purchase passes at a special rate of $45
It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.
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.
Capital One Venture X 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 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
From now until March 31st, Etihad Guest is running their own transfer bonus.
Of all eligible partners, the only US participating bank is Capital One. You will get between 20% and 40% bonused depending on how much you transfer. You won’t find the promo on Capital One’s website.
Complete a points transfer between 03 March 2025 (00.00am UTC+4) and 31 March 2025 (23.59pm UTC+4) and receive up to 40% of bonus miles.
- Etihad Guest members who transfer 0 to 9,999 miles, will receive 20% Bonus miles on each transaction.
- Etihad Guest members who transfer above 10,000 to 49,999 miles, will receive 30% Bonus miles on each transaction.
- Etihad Guest members who transfer from 50,000 and above miles, will receive 40% Bonus miles on each transaction.
Now, should you transfer? My opinion is that only an expert user of Etihad Guest should even consider it. If booking on Etihad itself (which you might do for access to Etihad First Class space), you will pay between 25% and 75% to cancel a GuestSeat (saver) booking. That is the most punitive of any program I can think of. You can use it to book JetBlue (80k US-Europe in business) but you can also use Qatar for that without the punitive penalties.
You can book short haul partner awards like AA for as little as 6,000 miles, but I don’t think the juice is worth a speculative squeeze. Then again, AA to Europe for 65,000 Etihad isn’t bad with a 40% transfer bonus… You can always check pricing for Etihad Partners if considering it and you can view. the promotion page here.
Bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
- Free authorized user cards where the authorized user gets full airport lounge access of their own is unheard of.
- Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.
Pros
- The annual fee is more than covered by annual credits
- Comes with access to Capital One lounges and Priority Pass lounges with generous guest policies
- Free authorized users also get the same airport lounge access benefits and Hertz status as the primary card holder
Cons
- The annual fee, while effectively negative $5 after credits, can feel like a lot.
- Aside from bonus points for booking through Capital One travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
- Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.
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℠.
Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.
However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.
Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.
Beyond that, my usual thoughts apply:
Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.
Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business – hello, sweet spot!
BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare. Beware their draconian surcharges on long haul awards.
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.
Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.
However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.
Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.
On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.
Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!
Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.
Beyond that, my usual thoughts apply:
Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.
Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business – hello, sweet spot!
BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare. Beware their draconian surcharges on long haul awards.
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.
Hilton Honors American Express Aspire® 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.
⌛ Limited Time Offer
Bonus points for spend in the following bonus categories:
At Hilton portfolio properties when you book direct with Hilton or the hotel. Otherwise, earn 3X points
U.S. dining, including takeout and delivery
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Pros
- Diamond Elite Status
- Up to $889 in annual statement credits (Terms apply)
- An annual Free Night Reward with no cap on value
Cons
- Points earned are only good for booking Hilton family stays
- High annual fee (but not really, considering the value)
- We really can't think of a third!
Since Hilton moved to a variable pricing model, on average you'll be offered roughly a 0.5 cent value per point for average hotels. However, what is nice is that although the pricing is mostly variable, they still cap the "standard" redemption rate on all properties. With the 5th night free on all award stays and resort fees waived on award stays, it's very possible to well exceed this value - even getting 1-2 cents per point - when used wisely. With the addition of SLH as fully integrated into the Hilton fold, we have raised the overall expected average redemption value to 0.6 cents.
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.
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
Bonus points for spend in the following bonus categories:
Earn 2X miles on American Airlines purchases made directly with American Airlines. Otherwise, earn 1X.
- First free checked bag can help you save $30 per American Airlines flight
- Preferred boarding and a 25% discount on inflight food, drinks or wifi
- Earn Loyalty Points and up to 2x miles on select categories tailored for business owners
Pros
- First free checked bag on domestic American Airlines flights
- Earn 1 Loyalty Point per $1 spent on the card
- Earn an annual companion certificate by spending $30,000+ on the card
Cons
- The annual fee costs $99 after the first year
- Lacks travel insurance benefits
- No Admirals Club lounge access
Since AAdvantage moved to revenue based redemptions, they are a bit less valuable than they used to be. However, they can still book First and Business Class seats on oneworld partner airlines like Qatar Airways and Japan Airlines, and we also find that they can have occasional deals with forward cabin seats on American.
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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