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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

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Chase Sapphire Preferred® Card

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(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 a 70% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Offer expires on Oct 15, 2026

Get 70% bonus Marriott Bonvoy® points when you transfer Ultimate Rewards points between 12:00 AM ET September 15, 2026 and 11:59 PM ET on October 15, 2026. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Although this is the best offer we have seen on a transfer bonus to Marriott Bonvoy since November of 2025, that doesn’t make it “good.”

This is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point. You might do better paying cash or even using the Chase portal to see how much value per point Chase is giving at a particular hotel (perhaps with Edit benefits).

However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.

This has also been added to our increasingly popular Transfer Partner Matrix.

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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: October 6, 2026
Intro bonus:
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Benefits:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Premier Credit Card

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(4.45) Our Review

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

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

🎁 Bonus offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com
Get up to a 35% transfer bonus when you transfer Citi ThankYou to Qatar Airways Avios.

Offer expires on Oct 31, 2026

Citi is the only US credit card transfer partner offering this bonus, although Rove Miles is as well.  It’s tiered and you must transfer by October 31, 2026.

  • 15% bonus Avios when converting up to 49,999 Avios.
  • 25% bonus Avios when converting between 50,000 – 99,999 Avios.
  • 35% bonus Avios when converting 100,000 or more Avios.

You must transfer the points in one transaction to qualify. It’s important to note that the terms say “Bonus Avios earned as part of this campaign will be credited to a Member’s Privilege Club account by 30th November 2026. ”

That doesn’t mean you won’t get them instantly, but know that you might not.

You can view the promotion here, as it’s being run by Qatar with several partners and won’t appear on the Citi ThankYou page.

Even if you didn’t want to use Qatar’s Avios program, you can link with British Airways Avios (emails must match and accounts must be open for 30 days) or on to other Avios programs like Iberia or Finnair.

Qatar’s program is best for booking Qatar-metal flights (70k for business class from JFK-Doha) or, my favorite, for JetBlue flights.

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Get a 25% transfer bonus when you transfer Citi ThankYou to Avianca LifeMiles.

Offer expires on Oct 24, 2026

Transfer ThankYou Points to Lifemiles and receive 25% bonus miles. Offer is valid for points transfers to Lifemiles completed between 12:01 AM ET September 20, 2026 and 11:59 PM ET October 24, 2026.

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) and again earlier this year. 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 year or so 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.

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Get a 30% transfer bonus when you transfer Citi ThankYou to JAL Mileage Bank.

Transfer Partner Launch Promo
Offer expires on Oct 24, 2026

As of today, Citi ThankYou transfers to JAL Mileage Bank 1:1 on annual fee ThankYou cards and 1:0.7 on no-annual fee ThankYou cards.

And until October 24th, you will get a 30% bonus on your transfers from Citi ThankYou to JAL.

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

The 1:1 transfer is nice, given that Capital One only transfers at 1:0.75 without a transfer bonus on.

Keep in mind that you can transfer 1:1 to JAL from both Bilt Rewards and from Rove Miles (if you are new and use this link, you’ll get 1,500 Rove Miles just for signing up).

We have a full guide to JAL Mileage Bank.

I absolutely love JAL Mileage Bank. I have written about how I used just 42,000 JAL miles and paid $285 in tax for an Air France Business Class flight on their newest product from CDG to JFK when Air France Flying Blue wanted over 90,000 miles + $600 in fees.

The guide will also point out that you can get great deals on one way flights but *killer* deals on round trip flights.

And of course, if you are skilled you can grab First Class or Business Class on JAL itself at 360 days out (you have to be quick, though!).

If you want even more, I wrote along piece today on MilesTalk about the Citi ThankYou –> JAL Mileage Bank launch.

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Bonus points for spend in the following bonus categories:

3x
Airfare
Estimated Rewards Value: 5.1%
3x
Gas Stations
Estimated Rewards Value: 5.1%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 3X

3x-10x
Hotels
Estimated Rewards Value: 5.1%
3x
Supermarkets
Estimated Rewards Value: 5.1%
3x
EV Charging
Estimated Rewards Value: 5.1%

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com; Otherwise earn 1X

1x-10x
Car Rentals
Estimated Rewards Value: 1.7%
1x
Everything Else
Estimated Rewards Value: 1.7%
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 more
  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Trip Protection and Extended Warranty benefits
  • Citi ThankYou® points are extremely flexible, with the ability to utilize an array of more than 15 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou® points for a variety of travel, including the ability to transfer points to more than 15 airline and hotel programs
  • Trip Protection and Extended Warranty benefits

Cons

  • Citi ThankYou® points doesn't have any domestic airline partners, but does have a unique range of airline and hotel partners.
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
  • No domestic airline transfer partners
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
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, generally 0.7x the standard rate, 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). Some ratios may be higher or lower than 1:1 and are indicated when transferring.

APR: 19.74%-27.74% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Chris Dong
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: October 6, 2026
Intro bonus:
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Atmos™ Rewards Ascent Visa Signature Card

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(4.13) Our Review

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

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

🎁 Bonus offer

LIMITED TIME ONLINE OFFER - Buy One, Get One + 50,000 Bonus Miles! Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.

Bonus points for spend in the following bonus categories:

Including EV charging stations

2x
Gas Stations
Estimated Rewards Value: 2.8%
2x
Streaming Services
Estimated Rewards Value: 2.8%
2x
Cable / Internet / Phone
Estimated Rewards Value: 2.8%

Including ride share, trains, even tolls and ferries

2x
Transit
Estimated Rewards Value: 2.8%
2x
EV Charging
Estimated Rewards Value: 2.8%

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

1x-3x
Airfare
Estimated Rewards Value: 1.4%
1x
Everything Else
Estimated Rewards Value: 1.4%
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 more
  • Earn Alaska's Famous Companion Fare ($99 fare plus taxes) after you spend $6,000 or more on purchases within the prior anniversary year.
  • 3x miles on Alaska flights; 2x miles on useful categories from gas and EV Charging to local transit; and 1x miles on all non-bonus purchases
  • A free checked bag on Alaska flights can save you at least $30 one-way. Multiply by that the number of Alaska flights you take in a year, and you could save hundreds! Available for co-applicants and authorized users when they book a reservation too!

Pros

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

Cons

  • Earning rates could be more competitive to rival other airline and travel cards
  • The annual fee has recently increased from $79 to $95
  • The $100 lounge membership discount may not move the needle for you to purchase a membership that costs at least $550 per year
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

Alaska miles have a few things going for them that make them worth a bit more than the average mile, especially to Asia, Fiji, and the South Pacific where they still have separate charts with great rates on First and Business Class. However, since joining Oneworld, they are increasingly making awards more expensive as they integrate new programs. Generally, AA awards remain a bargain. They also partner with luxury Taiwan based Starlux and now own Hawaiian Airlines as well, which is now fully integrated into Atmos. 

APR: 19.74%-27.74% (Variable)
Balance
transfer fees:
5% of the amount of each transaction
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: October 6, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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This content is not provided by the issuer. Any opinions expressed are those of Your Best Credit Cards alone, and have not been reviewed, approved or otherwise endorsed by the issuer.

Citi Strata℠ Card

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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 20,000 bonus points after spending $1,000 in the first 3 months

Bonus points for spend in the following bonus categories:

3x
Supermarkets
Estimated Rewards Value: 3%
3x
Gas Stations
Estimated Rewards Value: 3%
3x
EV Charging
Estimated Rewards Value: 3%
2x
Dining Out / Food Delivery
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
+
 more
  • You can select your own bonus earning category from a list of options
  • Your points earned can be transferred to a variety of hotel and airline transfer partners
  • You won't pay an annual fee, making it an affordable option to have in your wallet

Pros

  • Impressive earning potential
  • Low intro APR on purchases and balance transfers
  • Decent welcome bonus

Cons

  • Charges foreign transaction fees
  • No insurance coverage
  • Transfer points to partners at a lower ratio than other Citi cards
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
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, generally 0.7x the standard rate, 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). Some ratios may be higher or lower than 1:1 and are indicated when transferring.

APR on Purchases: 0 % Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR on Balance Transfers: 0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Balance
transfer fees:
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
Author: Harrison Pierce
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: October 6, 2026
Intro bonus:
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Annual Fee:
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Annual fee
$350
Point value
$0.004
Best Multiplier
6x Hotels
6x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
2x Hotels
2x Car Rentals
+ 1 more
View Table Image

Graphite™ Business Cash Unlimited Card

Annual fee
$295
Point value
$0.01
Best Multiplier
2x Hotels
2x Airfare
+ 1 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Dining Out / Food Delivery
3x Streaming Services
+ 8 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
4x Airfare
4x Hotels
+ 3 more
View Table Image
Annual fee
$795
Point value
$0.01 -
$0.0175
Best Multiplier
5x Lyft
4x Airfare
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.01 -
$0.0175
Best Multiplier
3x Airfare
3x Transit
+ 8 more
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01 -
$0.0175
Best Multiplier
5x Cable / Internet / Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$495
Point value
$0.018
Best Multiplier
0x Rent / Mortgage
2x Everyday Spend

Your account has been successfully created!

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