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Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Sapphire Reserve for Business℠

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) 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:
$795

👑 Best Ever Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

Get up to a 100% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Aug 31, 2026

Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.

When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.

There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!

You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Through 9/30/27

5x
Lyft
Estimated Rewards Value: 8.75%

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly. Any other booking channel earns 1X.

4x-8x
Airfare
Estimated Rewards Value: 7%

Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly. Any other booking channel earns 1X.

4x-8x
Hotels
Estimated Rewards Value: 7%
3x
Advertising on Search Engines and Social Media
Estimated Rewards Value: 5.25%

Only when booked via Chase Travel; otherwise earn 1X points per dollar.

1x-8x
Car Rentals
Estimated Rewards Value: 1.75%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
🔔 Notify me of bonus offer changes
  • Up to $2,500 in annual value from benefits and statement credits
  • Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
  • Too many benefits and statement credits to list! It comes with IHG Platinum status for a start...

Pros

  • Up to $2,500 in annual value from benefits and statement credits
  • Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
  • Too many benefits and statement credits to list! Comes with IHG Platinum status for a start...

Cons

  • Very high annual fee
  • Only one business related (non-travel) bonus category
Annual Fee: $795
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 17.74%-28.49% (Variable)
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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile
Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Ink Business Preferred® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.63) 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

☝ Increased Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Get up to a 100% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Aug 31, 2026

Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.

When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.

There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!

You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.

transfer-tooltip-ico
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
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.

3x
Cable / Internet / 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.

3x
Cruises
Estimated Rewards Value: 5.25%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
🔔 Notify me of bonus offer changes
  • 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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 17.74%-26.74% (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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile
Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Ink Business Unlimited® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.38) 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

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Bonus points for spend in the following bonus categories:

1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • Simple. Earn 1.5% cash back on all purchases
  • Rich signup bonus
  • No annual fee

Pros

  • With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
  • No annual fee
  • Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card

Cons

  • Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
  • Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
  • No bonus spend 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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile
Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Ink Business Cash® Credit Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.83) 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

⌛ Limited Time Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Bonus points for spend in the following bonus categories:

5x
Cable / Internet / Phone
Estimated Rewards Value: 5%
5x
Cellular Phone Service
Estimated Rewards Value: 5%
5x
Office Supplies
Estimated Rewards Value: 5%
2x
Gas Stations
Estimated Rewards Value: 2%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
🔔 Notify me of bonus offer changes
  • Earns 5X on office supply stores, cable, internet, and phone
  • Points earned can be transferred to other eligible Chase Ultimate Rewards cards
  • 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
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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR on Purchases: 0 % Intro APR (on purchases for 12 months, 16.74%-24.74% thereafter)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile
Chase Sapphire Reserve® Chase Sapphire Reserve® image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Sapphire Reserve®

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.5) 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:
$795

🎁 Bonus offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get up to a 100% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Aug 31, 2026

Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.

When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.

There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!

You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the airline. Bookings via any other channel earn 1X.

4x-8x
Airfare
Estimated Rewards Value: 7%

8X only applies to bookings made via Chase Travel℠. Otherwise earn 4X points per dollar if booked directly with the hotel. Bookings via any other channel earn 1X.

4x-8x
Hotels
Estimated Rewards Value: 7%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%

Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.

1x-8x
Car Rentals
Estimated Rewards Value: 1.75%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
🔔 Notify me of bonus offer changes
  • Earns extremely valuable Chase Ultimate Rewards points
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $3,000 in annual value in benefits and statement credits.

Pros

  • Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
  • Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
  • The potential for more than $3,000 in annual value in benefits and statement credits.

Cons

  • High annual fee
  • Not as many bonus categories as some other cards
  • If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.
Annual Fee: $795
Foreign
Transaction Fee: 0%
Min Credit
Score: Excellent (800-850) *
Point
Value: $0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 19.49%-27.99% (Variable)
Balance
transfer fees: Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty

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: August 11, 2026
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Sapphire Preferred® Card

YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) 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

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Get up to a 100% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Aug 31, 2026

Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.

When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.

There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.

We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!

You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.

But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than  IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.

Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3x
Streaming Services
Estimated Rewards Value: 5.25%
3x
Gas Stations
Estimated Rewards Value: 5.25%
3x
EV Charging
Estimated Rewards Value: 5.25%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

2x-5x
Airfare
Estimated Rewards Value: 3.5%
2x
Transit
Estimated Rewards Value: 3.5%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

2x-5x
Car Rentals
Estimated Rewards Value: 3.5%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points. 3X Points on Vacation Rentals Bookings through Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com, and Vacasa now earn 3X points.

2x-5x
Hotels
Estimated Rewards Value: 3.5%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.

2x-3x
Cruises
Estimated Rewards Value: 3.5%
1x
Everything Else
Estimated Rewards Value: 1.75%
+
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  • Earns valuable and highly flexible Chase Ultimate Rewards points
  • Extensive travel protections -- including lost luggage insurance, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can more than offset the annual fee by more than half with the $100 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, emergency evacuation, and a collision damage waiver on rental cars, primary in most states.

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 additional travel benefits, though it now has a Global Entry application fee credit and Emergency Evacuation coverage.
Annual Fee: $95
Foreign
Transaction Fee: 0%
Min Credit
Score: Good (670-739) *
Point
Value: $0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR: 19.24%-27.49% (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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Freedom Flex Chase Freedom Flex image
Card Details
Learn How to Apply
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All information about the Chase Freedom Flex has been collected independently by Your Best Credit Cards.

Chase Freedom Flex

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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

Get $200 (20,000 Ultimate Rewards points) when you spend $500 in your first 3 months.

Bonus points for spend in the following bonus categories:

3x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3x
Drugstores
Estimated Rewards Value: 3%

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

1x-5x
Airfare
Estimated Rewards Value: 1%

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

1x-5x
Hotels
Estimated Rewards Value: 1%

Earn the higher multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 1X points.

1x-5x
Car Rentals
Estimated Rewards Value: 1%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
🔔 Notify me of bonus offer changes
  • 0% Intro APR offers for both new purchases and balance transfers
  • 5% cash back on rotating bonus categories each quarter (on up to $1,500 in combined purchases per quarter)
  • Comes with great shopping benefits like Purchase Protection and Extended Warranty

Pros

  • No annual fee
  • 0% Intro APR offers on both purchases and balance transfers
  • Points earned can be combined with other cards that earn Chase Ultimate Rewards

Cons

  • Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
  • Carries a foreign transaction fee of 3%
  • Limited trip protections and no bonus points on travel purchases
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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.24%-27.74% 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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Freedom Unlimited® Chase Freedom Unlimited® image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes

Chase Freedom Unlimited®

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(4.25) 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 a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

This is awarded as 20,000 Ultimate Rewards Points, transferrable to airline / hotel partners if you also hold a Chase Sapphire Reserve®, Chase Sapphire Preferred®, Sapphire Reserve for Business℠ or an Ink Business Preferred®.

Bonus points for spend in the following bonus categories:

3x
Dining Out / Food Delivery
Estimated Rewards Value: 3%
3x
Drugstores
Estimated Rewards Value: 3%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

1.5x-5x
Airfare
Estimated Rewards Value: 1.5%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

1.5x-5x
Car Rentals
Estimated Rewards Value: 1.5%

Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 1.5X points.

1.5x-5x
Hotels
Estimated Rewards Value: 1.5%
1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • 0% Intro APR offers for both new purchases and balance transfers
  • Simple earning structure with 3% back on drugstore purchases and dining and 1.5% on everyday purchases
  • Comes with shopping benefits like Purchase Protection and Extended Warranty

Pros

  • No annual fee
  • 0% Intro APR offers on both purchases and balance transfers
  • Points earned can be combined with other cards that earn Chase Ultimate Rewards®

Cons

  • Cannot transfer points to airline or hotel partners unless you also have a Chase Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred
  • Carries a foreign transaction fee of 3%
  • Limited travel protections and no bonus points on travel purchases
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, Chase Sapphire Reserve for Business, 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. In the Chase Travel℠ portal, Points Boost allows you to redeem for airfare or hotels with point values ranging from 1.5 - 2 cents depending on cabin class or hotel. Specific flights and hotels that appear in Point Boost vary. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. You can also read our Guide to Chase Ultimate Rewards points.

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.24%-27.74% 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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Freedom Rise® image
Card Details
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Chase Freedom Rise®

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(3.5) 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 a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.

Bonus points for spend in the following bonus categories:

2x
Lyft
Estimated Rewards Value: 2%
1.5x
Everything Else
Estimated Rewards Value: 1.5%
+
 more
🔔 Notify me of bonus offer changes
  • Designed for those building credit
  • Offers Purchase Protection and Extended Warranty benefits
  • Earns 1.5% cash back with no annual fee

Pros

  • Designed for those building credit; not a secured credit card
  • Offers Purchase Protection and Extended Warranty benefits
  • Earns 1.5% cash back (as Chase Ultimate Rewards points) with no annual fee

Cons

  • No bonus categories other than a 2X multiplier on Lyft rides
  • Charges a 3% foreign transaction fee
  • Lacks a rich set of features and benefits
Annual Fee: $0
Foreign
Transaction Fee: 3%  of the amount of each transaction in U.S. dollars.
Min Credit
Score: Good (670-739) *
Point
Value: $0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 25.99% (Variable)
Balance
transfer fees: $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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Citi Prestige Citi Prestige image
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How to Apply
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Citi Prestige

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(4.5) 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.
Annual Fee:
$495

🎁 Bonus offer

None. Product is not currently available to new applicants
Get a 40% transfer bonus when you transfer Citi ThankYou to Turkish Miles&Smiles.

Transfer Bonus is on the Turkish Side
Offer expires on Aug 31, 2026

Get 40% extra Miles by converting your ThankYou® Points into Miles&Smiles Miles between August 1 – 30, 2026.

Max 50,000 Bonus Miles, miles credited later.

This bonus is entirely sponsored by Turkish Miles&Smiles and won’t show on the Citi ThankYou transfer partners page. See this page on Turkish Airlines’ website for all details.

Two salient notes: 1) This bonus is sponsored by Turkish, not Citi, and has a maximum of 50,000 Bonus Miles. 2) The terms state the bonus miles won’t appear until after the promotion ends which is the end of August. So while it’s true that a saver award from the US to Turkey on Turkish metal would only be around 47,000 Citi ThankYou points for 65,000 Turkish, it doesn’t quite work that way unless you can wait until early September to book and acknowledge there might not be any inventory. (Note that alert service Thrifty Traveler did flag a ton of 65,000 mile saver inventory just 3 days ago.)

One strategy could be to wait until Aug 31 to transfer (make sure you are subscribed to our free alerts that can be set to notify you two days before the offer ends).

Remember that Turkish miles “hard expire” after 3 years, so speculative transfers are strongly not advised. And they have devalued hard in the last couple of years. Where you used to be able to fly business class to Hawaii for 7,500 miles, the domestic chart now looks like this:

Contiguous US & Alaska Domestic Awards

  • Economy Class: 15,000 miles
  • Business Class: 22,500 miles

Hawaii Domestic Awards (From US Mainland)

  • Economy Class: 25,000 miles
  • Business Class: 40,000 miles
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Subscribe to Transfer Bonus Notifications
Get a 10% transfer bonus when you transfer Citi ThankYou to Cathay Pacific Asia Miles.

Offer expires on Aug 28, 2026

You must register for the offer or you won’t get the bonus points.

Eligible US transfer partners are American Express, Brex, Capital One, Citi, Bilt, and Wells Fargo.

But this is not such a great promotion, as it’s limited to a max of 10,000 extra miles and you may not get the miles for up to 12 weeks! See below.

IMPORTANT NOTES: 

  • Your AsiaMiles account must be in the United States and you must register first (link above)
  • MAXIMUM BONUS = 10,000 miles: Eligible members will receive bonus miles equal to 10% of the Regular Miles earned from Eligible Transactions completed with Eligible Partners during the Promotional Period, up to a maximum of 10,000 bonus miles per eligible member. The maximum bonus applies across all participating partners combined.
  • Bonus miles will be credited to the eligible member’s Cathay Membership Programme account within approximately 12 weeks after the applicable Regular Miles have first been credited, verified, and processed by the relevant Eligible Partner.
  • While Cathay is great for booking its own premium seats (as well as JAL and other oneworld), note they just increased fuel surcharges. Price your award out before booking.
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Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Citi ThankYou to Air France/KLM Flying Blue.

Offer expires on Aug 22, 2026

Transfer ThankYou Points to Flying Blue Miles and receive a 20% bonus. Offer is valid for points transfers to Flying Blue Miles completed between 12:01 AM ET July 19, 2026, and 11:59 PM ET August 22, 2026.

These oddly timed transfer bonuses are the best reason to subscribe to our transfer bonus alerts, as who is going to remember that a bonus ends on the 22nd of a month? Yet we’ll send you automated reminders at 7 and 2 days to expiration based on your preferences.

As for the bonus itself, we just saw a 25% transfer bonus to Flying Blue from Amex last month and transfer bonuses are not infrequent. The biggest reason to consider to not transfer, though, might be the rumor about Japan Airlines becoming a Citi transfer partner. It’s completely a rumor for now, but if you log into your ThankYou account and go to your profile, the option to link your JAL Mileage Bank account is there, and why would it be there if it wasn’t a partnership in progress?

citi thank you jal Japan airlines

JAL is a fantastic program and would be huge win for Citi to add to ThankYou, although since becoming transfer partners with Bilt, Rove, and Capital One (they used to not partner with anyone by Marriott Bonvoy for transfers), we have seen availability dry up just a bit. I’m sure JAL will struggle a bit to toe the line between selling their miles and preserving award space availability. (It’s a difficult balance!) Still, if JAL does become a transfer partner, you may be inclined to save your ThankYou points vs. speculatively transfer for 20% bonus miles.

As for this bonus itself?

Flying Blue has some really good award rates at times, though they often fluctuate into the absurd. 60,000 points for Business class to/from Europe from the US is solid, but the surcharges have gotten way out of control (about $600 one way). Sometimes, the pricing is waaaaay over 60,000 points with the same surcharges, so we’d like to see them get this under control and it does make a speculative transfer harder to justify unless you have consistent personal success. With Tiffany Funk (former One Mile at a Time / Point.me) running the Flying Blue loyalty program since June, things are likely to improve. Those things definitely take some time to come to fruition.

Also, while Flying Blue miles expire, it’s a reasonable 24 months and any activity (such as a simple 1,000 point transfer in) will extend it. They used to have archaic rules where flight activity miles weren’t extended with other activity but they came to their senses a few months ago and it’s now simplified with all miles in one pool and all extended by any activity.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 8.5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 8.5%
3x
Transit
Estimated Rewards Value: 5.1%
3x
Hotels
Estimated Rewards Value: 5.1%
3x
Lyft
Estimated Rewards Value: 5.1%
1x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
🔔 Notify me of bonus offer changes
  • No Longer Available

Pros

Cons

Annual Fee: $495
Point
Value: $0.01-$0.017

ThankYou points have recently gained quite a bit of value with the ability to transfer to American Airlines' AAdvantage. Points can be combined among ThankYou earning cards. The value also assumes you will take advantage of transfer partners rather than book via the portal. You get a full 1:1 transfer ratio to most transfer partners when you have a Citi Strata Elite℠, Citi Prestige, or Citi Strata℠ Premier Credit Card. No fee Citi ThankYou cards transfer at a lower ratio - unless you have one of the aforementioned card as well in which case all points are pooled with the best features of all cards (i.e. 1:1 transfer ratios).

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: August 11, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Capital One Venture Business

Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more

Bonus Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening

Card Details How to apply
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Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more

Bonus Offer

Earn $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits or at Amazon.com checkout.

Card Details How to apply
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Chase Sapphire Preferred® Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more

Bonus Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve®

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more

Bonus Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Sapphire Reserve for Business℠

Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more

Bonus Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

Card Details Learn How to Apply
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Chase Ink Business Preferred® Credit Card

Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more

Bonus Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.

Card Details Learn How to Apply
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Chase Ink Business Unlimited® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else

Bonus Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
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Chase Ink Business Cash® Credit Card

Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more

Bonus Offer

Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.

This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.

Card Details Learn How to Apply
View Table Image

Bilt Palladium Card

Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend

Bonus Offer

Earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash. Subject to approval.

Card Details Apply Now
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Bilt Obsidian Card

Annual fee
$95
Point value
$0.018
Best Multiplier
1x Supermarkets
1x Dining Out / Food Delivery
+ 2 more

Bonus Offer

Welcome offer: $200 of Bilt Cash when you apply and get approved.

Card Details Apply Now

Calculation

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Personalized rewards

Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.

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