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Southwest® Rapid Rewards® Performance Business Credit Card

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(4.3) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.

Bonus points for spend in the following bonus categories:

Applies only to Southwest Airlines booked directly with Southwest; Otherwise earn 1X

4 x
Airfare
Estimated Rewards Value: 5.6%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Pros

  • Four Upgraded Boardings each card membership year
  • Generous spending rewards categories
  • 9,000 bonus points on every cardmember anniversary

Cons

  • The high annual fee will be hard to justify for infrequent travelers
  • Rapid Rewards points only provide a good value for Southwest flights
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

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(3.9) Our Review

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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$0 Introductory Annual Fee for the first year, then $99

Bonus Offer

Earn 75,000 American Airlines AAdvantage® bonus miles when you spend $5,000 within 5 months

Bonus points for spend in the following bonus categories:

Earn 2X miles on American Airlines purchases made directly with American Airlines. Otherwise, earn 1X.

2 x
Airfare
Estimated Rewards Value: 2.8%
2 x
Car Rentals
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Gas Stations
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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  • 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
Annual Fee: $0 Introductory Annual Fee for the first year, then $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.014

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.

APR: 21.24%-29.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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World of Hyatt Business Credit Card

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(4.2) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$199

Bonus Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

Bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4 x
Hotels
Estimated Rewards Value: 6.8%

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 ÔÇöwith no cap.

2 x
Airfare
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Transit
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Car Rentals
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%

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 ÔÇöwith no cap.

2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • 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
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

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..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Alaska Airlines Visa Signature® credit card

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(4.1) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

LIMITED TIME ONLINE OFFER: Get 60,000 bonus miles plus Alaska's Famous Companion FareÔäó ($99 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Including EV charging stations

2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%

Including ride share, trains, even tolls and ferries

2 x
Transit
Estimated Rewards Value: 3.4%
2 x
EV Charging
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
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  • Earn Alaska's Famous Companion Fare ($99 fare plus taxes) after you spend $6,000 or more on purchases within the prior anniversary year.
  • 3x miles on Alaska flights; 2x miles on useful categories from gas and EV Charging to local transit; and 1x miles on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds! Available for co-applicants and authorized users when they book a reservation too!

Pros

  • Earn Alaska's Famous Companion Fare after you spend $6,000 or more on purchases within the prior anniversary year.
  • Rack up thousands of Alaska Airlines Mileage Plan miles from the welcome offer to Alaska Airlines purchases to everyday spend
  • Free checked bag and priority boarding for you and up to six travelers on the same reservation. Available for co-applicants and authorized users when they book a reservation too!

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership discount may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. They also partner with luxury Taiwan based Starlux. Additionally, only Marriott points transfer to Alaska making them harder to acquire than most.

APR: 20.24%-28.24% (Variable)
Balance
transfer fees:
4% of the amount of each transaction
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Chase Ink Business Preferred® Credit Card

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(4.6) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Get 100,000 Ultimate Rewards points as a bonus when you spend $8,000 in your first 3 months.

Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Virgin Atlantic Flying Club.

Offer expires on Jun 15, 2024

As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles ÔÇô IF you can find available award space and to book ANA First and Business class awards.

Business Class on ANA to Japan would be 35,000 ÔÇô 37,000 Chase points while First Class would be 56,000 ÔÇô 66,000 Chase points (depending on if you are on the West Coast (cheaper) or East Coast.

One more great use is domestically on Delta within the US or US-Mexico/Canada.

Subscribe to Transfer Bonus Notifications
Get a 40% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Offer expires on Jun 15, 2024

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 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 tranfser makes sense so do the math – but you likely do not want to transfer speculatively.

Subscribe to Transfer Bonus Notifications

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.

3 x
Airfare
Estimated Rewards Value: 5.25%

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.

3 x
Transit
Estimated Rewards Value: 5.25%

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.

3 x
Car Rentals
Estimated Rewards Value: 5.25%

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.

3 x
Cellular Phone Service
Estimated Rewards Value: 5.25%

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.

3 x
Hotels
Estimated Rewards Value: 5.25%

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.

3 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

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.

3 x
Shipping
Estimated Rewards Value: 5.25%

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.

3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5.25%

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.

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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  • 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
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

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.

APR: 21.24%-26.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Chase Ink Business Cash® Credit Card

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(4.8) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

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:

5 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 5%
5 x
Cellular Phone Service
Estimated Rewards Value: 5%
5 x
Office Supplies
Estimated Rewards Value: 5%
2 x
Gas Stations
Estimated Rewards Value: 2%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1 x
Everything Else
Estimated Rewards Value: 1%
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 more
  • 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.
  • 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
Annual Fee: $0
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

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.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-24.49% thereafter)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Southwest Rapid Rewards® Plus Credit Card

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(3.7) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$69

Bonus Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2 x
Streaming Services
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
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 more
  • Lowest annual fee of any of the Southwest credit cards.
  • Cardmember anniversary bonus and EarlyBird Check-In more than offset the card's annual fee.
  • Solid travel and purchase protections.

Pros

  • Two Early-Bird Check-Ins each year
  • 3,000 bonus points every account anniversary
  • Lowest annual fee of any Southwest credit cards

Cons

  • Bonus Spending categories could be better
  • This card does have foreign transaction fees on overseas purchases, unlike the Southwest Premier and Priority credit cards
Annual Fee: $69
Foreign
Transaction Fee:
3% of each transaction in U.S. dollars
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Southwest Rapid Rewards® Priority Credit Card

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(4) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$149

Bonus Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Applies only to tickets purchased directly from Southwest. Other airfare earns 1X.

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 2.8%
2 x
Cellular Phone Service
Estimated Rewards Value: 2.8%
2 x
Streaming Services
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
  • Excellent Southwest-specific perks - including an annual travel credit and bonus points every cardmember anniversary.
  • Earn points toward Southwest Companion Pass and Tier Qualifying Points toward A-List and A-List Preferred Status.
  • Solid purchase and travel protections.

Pros

  • $75 Southwest annual travel credit
  • 7,500 bonus points each cardmember anniversary (worth $105)
  • Four Upgraded Boarding passes each year

Cons

  • $149 annual fee is the highest annual fee of any personal Southwest credit card.
  • Rapid Rewards points are only really valuable for Southwest award flights.
Annual Fee: $149
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

When used on Wanna Get Away fares, 1.3 cents is the approximate value you get. On certain international routeswith high taxes, however, you may be able to yield close to 2 cents. Those are the exceptions to the rule, though, so I peg the value at 1.4 cents.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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IHG One Rewards Traveler Credit Card

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(4) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 80,000 bonus points after spending $2,000 on purchases within the first 3 months of account opening.

Bonus points for spend in the following bonus categories:

At IHG brand hotels and resorts booked directly; otherwise earn 2X.

5 x
Hotels
Estimated Rewards Value: 2%
3 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 1.2%
3 x
Gas Stations
Estimated Rewards Value: 1.2%
3 x
Cellular Phone Service
Estimated Rewards Value: 1.2%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 1.2%
3 x
Streaming Services
Estimated Rewards Value: 1.2%
2 x
Everything Else
Estimated Rewards Value: 0.8%
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 more
  • Despite no annual fee, get IHG Silver Elite and a fourth reward night free on rewards of 4 or more consecutive nights
  • Earn bonus points at IHG hotels and resorts, at gas stations, streaming services, and more
  • Get solid purchase and travel protections

Pros

  • Get a fourth night free on all reward night stays of 4+ nights.
  • No annual fee.
  • Solid sign up bonus points, especially for a no annual fee card.

Cons

  • Doesn't come with a free night award, like the IHG Premier Card
  • Complimentary Silver Elite status doesn't offer many perks
Annual Fee: $0
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.004

IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: JT Genter
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Annual Fee:
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Benefits:
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Notify me of bonus offer changes
American Express is an Advertising Partner

The Blue Business® Plus Credit Card from American Express

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(4.3) Our Review

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.

Min Credit Score:
Good (670-739) *
Annual Fee:

Bonus Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.

Get a 40% transfer bonus when you transfer American Express Membership Rewards to Hilton.

Offer expires on May 31, 2024

** For personal Amex Platinum cardholders only **

Platinum Card┬« Members get 40% more Hilton HonorsÔäó Points when you transfer Membership Rewards┬« points through from May 9 to May 31. Offer is only available to current Platinum Card Members on a Platinum Account opened on or before April 20, 2024. Terms apply.

Please note: This transfer bonus is part of the American Express 40th Birthday celebration for The Platinum Card┬« from American Express. Only personal U.S. Platinum Card┬« cardholders are eligible. It seems that those holding personal Platinum cards like the Schwab Platinum Card are elso eligible – however, many people that are eligible are not seeing the offer in their account so make sure you see the 40% bonus before transfering!

While it’s always hard to recommend speculative transfers, Hilton points have gotten more attractive since announcing that SLH hotels will be fully integrated into Hilton Honors (See Dave’s recent musing about his thinking on how Hilton points may be becoming more valuable). 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 average, with a 5th night free award you can definitely do well transfering 1,000 Amex points for 2,800 Hilton Honors points.

Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transfering.

 

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Offer expires on May 31, 2024

Here’s an interesting one. Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this ptomotion – so almost 2.1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

The last Aeromexico transfer bonus was in 2019, so these are pretty rare – though 20% isn’t a total game changer.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Virgin Atlantic Flying Club.

Offer expires on May 31, 2024

As always, your best uses are to fly Delta One to Europe (excluding England) for 50,000 miles – IF you can find available award space and to book ANA First and Business class awards.

Business Class on ANA to Japan would be 41,000 – 47,000 Amex points while First Class would be 56,000 – 66,000 Amex points (depending on if you are on the West Coast (cheaper) or East Coast.

One more great use is domestically on Delta within the US or US-Mexico/Canada.

Transfer time is up to 48 hours (often close to instant, though).

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 3.4%
2 x
Transit
Estimated Rewards Value: 3.4%
2 x
Car Rentals
Estimated Rewards Value: 3.4%
2 x
Cable / Internet / VOIP Phone
Estimated Rewards Value: 3.4%
2 x
Costco
Estimated Rewards Value: 3.4%
2 x
Gas Stations
Estimated Rewards Value: 3.4%
2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2 x
Hotels
Estimated Rewards Value: 3.4%
2 x
Lyft
Estimated Rewards Value: 3.4%
2 x
Office Supplies
Estimated Rewards Value: 3.4%
2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Single Charges over $5,000
Estimated Rewards Value: 3.4%
2 x
Groceries
Estimated Rewards Value: 3.4%
2 x
Cruises
Estimated Rewards Value: 3.4%
2 x
Drugstores
Estimated Rewards Value: 3.4%
2 x
Streaming Services
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
2 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 3.4%
2 x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 3.4%
2 x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 3.4%
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 more
  • 2X points rewards rate on all eligible purchases (up to the first $50,000 spent per calendar year), then 1X
  • No annual fee; plus, add employee cards for no additional cost
  • Business expense management tools and expanded buying power ability

Pros

  • No annual fee, making the Blue Business Plus a great starter card for new or small business owners
  • Earn 2X Membership Rewards points on purchases (capped at the first $50,000 in a year)
  • Business expense management tools and expanded buying power ability

Cons

  • Xhe 2x earning rate is capped at $50,000 per year
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
2.7% of each transaction after conversion to US dollars.
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

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.

APR: 0 % Intro APR (on purchases for 12 months, 18.49%-26.49% thereafter)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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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.

Last Updated: May 30, 2024
Intro bonus:
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Annual Fee:
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Annual fee
$0
Point value
Best Multiplier
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Annual fee
$95
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
Best Multiplier
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Lyft
1.5x Everything Else
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Dining Out / Food Delivery
+ 1 more
View Table Image
Annual fee
$650
Point value
$0.012
Best Multiplier
3x Airfare
1x Everything Else
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 4 more
View Table Image
Annual fee
$350
Point value
$0.012
Best Multiplier
3x Airfare
3x Hotels
+ 3 more
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Shipping
2x Advertising (Online / TV / Radio)
+ 3 more

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