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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

🎁 Bonus offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

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.

You also 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 their could be a delay.

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:
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: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
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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 Compare Cards
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

☝ Increased Offer

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

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.

You also 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 their could be a delay.

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 $2,700 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 $2,700 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: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
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Multipliers:
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💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
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 a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

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.

You also 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 their could be a delay.

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:
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: April 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Benefits:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Multipliers:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd
Add Spending Profile Compare Cards
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

☝ Increased Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air Canada Aeroplan.

Offer expires on Apr 30, 2026

Get 20% bonus Aeroplan® points when you transfer Chase Ultimate Rewards® points between 12:00 AM ET on April 1, 2026 and 11:59 PM ET on April 30, 2026. Bonus Aeroplan points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply. This bonus, unlike the last one, is not tiered by transfer size. That one ranged from 15% – 25% depending on how much you moved over.

Chase Aeroplan cardmembers get an additional 10% bonus – must transfer at least 50,000 points; max bonus from being a cardmember is 25,000 points per year) – which would make this a 30% bonus.

I suggest reviewing historical transfer bonuses from Chase and American Express to Air Canada Aeroplan as you might find that bonuses are more common than you think. 20% is the “standard” offer we see the most, though Chase did offer a flat 30% in late 2022. I’m not counting a one-off Bilt Rewards transfer bonus that went as high as 150% since that is unlikely to repeat.

Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Star Alliance flights as well as partners like Etihad and Emirates. Add a stopover for just 5,000 miles! Award pricing is not necessarily the best there is, but is consistently fair.

A business class award on a partner (not on Air Canada metal as that is dynamically priced) from the East Coast to Europe would be 70,000 points (as an example), which would be 56,000 Chase points with this promotion.

Subscribe to Transfer Bonus Notifications
Get a 70% transfer bonus when you transfer Chase Ultimate Rewards to IHG One Rewards.

Offer expires on Apr 30, 2026

There have been five transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and two were 70%. This bonus is on the lowest end of the range.

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.

You also 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 their could be a delay.

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%

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.

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%
+
 more
🔔 Notify me of bonus offer changes
  • Earns valuable and highly flexible Chase Ultimate Rewards points
  • Extensive travel protections -- including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
  • 3X points on dining means you can rack up points quickly!

Pros

  • You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
  • Earns valuable and highly flexible Chase Ultimate Rewards points.
  • Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.

Cons

  • A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
  • High credit scores required for account opening.
  • Lack of travel benefits like a Global Entry application fee credit.
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: April 17, 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
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Chase Ink Business Unlimited® Credit Card Chase Ink Business Unlimited® Credit Card image
Card Details
Learn How to Apply
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Chase Ink Business Unlimited® Credit Card

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(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

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 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: 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:
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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: April 17, 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
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Chase Ink Business Cash® Credit Card Chase Ink Business Cash® Credit Card image
Card Details
Learn How to Apply
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Chase Ink Business Cash® Credit Card

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(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

🎁 Bonus offer

Earn $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 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: 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:
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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: April 17, 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
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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

⚠️Offer Ending Soon

Limited Time Offer:

Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening.

This is awarded as 25,000 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: 0 % Intro APR (on purchases for 15 months, 18.24%-27.74% thereafter)
APR: 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 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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Year 2 tbd
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Chase Freedom Flex Chase Freedom Flex image
Card Details
Learn How to Apply
🔔 Notify me of bonus offer changes
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%
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: 0 % Intro APR (on purchases for 15 months, 19.24%-27.99% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-27.99% thereafter)
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: April 17, 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: April 17, 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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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 25% transfer bonus when you transfer Citi ThankYou to Avianca Lifemiles.

Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Lifemiles and receive 25% bonus miles. Offer is valid for points transfers to Lifemiles completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026. See Points Transfer Terms and Conditions link at the bottom of this page for Promotion Terms and Conditions.

This bonus gives you 1.25 Lifemiles per point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.875 miles per point (up from 0.7 normally).

25% is not bad, although Citi made the same offer twice last year (you can see all historical bonuses to Avianca Lifemiles from all issuers here). Many recent transfer bonuses from other credit card currencies have been just 15%.

Avianca has really been messing with its program lately. They’ve devalued twice in the last 9 months, although in the most recent devaluation all sorts of quirks emerged with pricing. For instance a business class ticket from the US to/from Europe could be 69,000 miles or it could be 80,000 miles.

All of the same issues I’ve always had around Lifemiles customer service remain. I don’t want to ever have to deal with a schedule change than needs a ticket reissued with them again, and sometimes the website shows phantom availability and phone agents are often unable to help after incredibly long hold times.

You can also stack a Lifemiles+ membership with this (from $20 / month or free if you have the Lifemiles Amex). If you found a business class ticket for 69,000 miles, after the 10% lifemiles+ discount and 25% transfer bonus, it would be a great deal at 49,680 – if you know the risks of Lifemiles bookings and are ok with that.

So,  for expert Lifemiles users, this could be a great deal…. but would I speculatively transfer? I would not.

Subscribe to Transfer Bonus Notifications
Get a 30% transfer bonus when you transfer Citi ThankYou to Virgin Atlantic Flying Club.

Can transfer to Virgin Red or Flying Club
Offer expires on Apr 18, 2026

Limited Time Offer: Transfer ThankYou Points to Virgin Atlantic Flying Club or Virgin Red and receive 30% bonus Virgin Points. Offer is valid for points transfers to Virgin Atlantic Flying Club or Virgin Red completed between 12:01 AM ET March 22, 2026 and 11:59 PM ET April 18, 2026.

This bonus gives you 1.3 Virgin points per ThankYou point transferred on a Citi Strata Elite℠, Citi Strata Premier℠, Citi Prestige®, and AT&T Access More. Other eligible ThankYou cards will get 0.91 Virgin points per ThankYou point (up from 0.7 normally).

You can view past transfer bonuses to Virgin Red and past transfer bonuses to Virgin Atlantic which range as high as 40%.

Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.

ANA First and Business class awards:

  • First Class to/from Japan from West Coast: 145,000 points Round Trip
  • First Class to/from Japan from East Coast: 170,000 points Round Trip
  • Business Class to/from Japan from West Coast: 105,000 points Round Trip
  • Business Class to/from Japan from East Coast: 120,000 points Round Trip

(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but no always, book the same for much less.)

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: April 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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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

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months

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
+ 6 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 125,000 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 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 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 $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 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 $750 when you spend $6,000 on purchases in the first three months after account opening.

This is awarded as 75,000 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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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.

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Calculation

Featured Credit Cards

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.

Personal or business card?:

Business
Personal
Either

I am looking for:

Cash
Points
Either
Total Spend: $0/mo
Dining Out / Food Delivery

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0
0 10000
Supermarkets

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0
0 10000
Airfare

Edit

0
0 10000
Hotels

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0
0 10000
Car Rentals

Edit

0
0 10000
Gas Stations

Edit

0
0 10000
EV Charging

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0
0 10000
Cruises

Edit

0
0 10000
Transit

Edit

0
0 10000
Drugstores

Edit

0
0 10000
Cable / Internet / Phone

Edit

0
0 10000
Cellular Phone Service

Edit

0
0 10000
Office Supplies

Edit

0
0 10000
Rent / Mortgage

Edit

0
0 10000
Streaming Services

Edit

0
0 10000
Gym Memberships

Edit

0
0 10000
Advertising (Online / TV / Radio)

Edit

0
0 10000
U.S. Electronic Goods Retailers / Software / Cloud System Providers

Edit

0
0 10000
Construction Materials / Hardware Supplies

Edit

0
0 10000
Online Retail Shopping

Edit

0
0 10000
Amazon / Whole Foods

Edit

0
0 10000
Entertainment (Concerts / Shows / Movies)

Edit

0
0 10000
Costco

Edit

0
0 10000
Lyft

Edit

0
0 10000
Advertising on Search Engines and Social Media

Edit

0
0 10000
Shipping

Edit

0
0 10000
Single Charges over $5,000

Edit

0
0 10000
Total Spend: $0/mo
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