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American Express® Business Gold Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership. Terms apply.
Aer Lingus has some sweet spots as well, like the US to Ireland for 13,000 – 16,250 Avios with no surcharges or 50,000 Avios – 62,500 Avios each way in Business Class. This would be if you find space on Aer Lingus metal. The lower pricing is from the East Coast, the higher is West Coast.
Combinable with other Avios programs like BA.
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar (or Iberia).
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Get a 30% transfer bonus when you transfer American Express Membership Rewards to Iberia Avios
There are identical transfer bonuses on now to both British Airways and Aer Lingus Avios and British Airways are the most common / easy to use and link directly with Qatar so there are few people that would want to transfer to Iberia directly.
They *just* ripped out their award charts to replace with new higher ones and the biggest Iberia Sweet Spot of US East Coast to Madrid in business class off peak for 34,000 Avios is now 40,500 Avios and at peak times it’s now 50,000 to 59,000 Avios. This is the 3,001–4,000 mileage band.
This still remains about the only award you would book with Iberia (you may find other instances where Iberia remains cheaper on its own metal) but keep in mind the biggest flaw of the Iberia program:
Award travel on partner airlines booked with Iberia Avios is non-refundable!!
That said, generally you want to move your points to British Airways first for the most flexibility – since you can move from there to Finnair, which has some great redemptions, or Qatar.
See this post on the transfer bonus to British Airways Avios for more on the Finnair program.
Get a 30% transfer bonus when you transfer American Express Membership Rewards to British Airways Avios.
We last saw a transfer bonus from American Express Membership Rewards to Avios in September 2024.
British Airways Avios used to be best for shorthaul flights on Oneworld carriers but recent changes have killed that. Where a flight from New York to Toronto (under 650 miles) used to be as little as 4,500 miles in years past, it’s now 12,000 miles.
However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles. And that’s the thing – you can transfer these Avios to any other Avios program airline.
Also – outside of the US, BA still prices flights under 650 miles (i.e. SYD-MEL on Qantas) at 6,000 miles in Economy and only 12,500 miles in Business – hello, sweet spot!
BA does have a very favorable lap infant policy – 10% of the miles paid for the adult fare.
Beware their draconian surcharges on long haul awards.
Advanced Mode: Transfer to Finnair’s Avios program which has sweet spots like 62,500 Avios and less than $200 from the US to Finland on Finnair and, (available only by phone or chat) amazing deals on AA transcons. If you can find JFK-LAX/SFO with an available Saver seat in 3-Cabin First (Z class), it’s yours for just 40,000 Finnair Avios. Traveling within the EU in business class (yes, the standard economy seat with the middle blocked, but premium services) is also a steal on Finnair.
Bonus points for spend in the following bonus categories:
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
- Amazing Membership Rewards points earning rate for 6 popular business spending categories
- No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
- Card membership includes the very well regarded American Express customer service
Pros
- You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
- Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
- Card membership includes the very well regarded American Express customer service
Cons
- The high annual fee, despite being worth it for high spenders
- If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
- Car rental CDW coverage is secondary to your own auto insurance
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Preferred® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
This is a sort of odd one in my opinion… the bonus is 65% until June 30. Starting July 1 through August 15, the bonus drops to 50%.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the 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.
Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.
Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.
Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.
Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!
Bonus points for spend in the following bonus categories:
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
- Earns fully transferable Chase Ultimate Rewards points
- 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
- Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
Pros
- 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
- Earns fully transferable Chase Ultimate Rewards points
- Travel protections, primary car rental CDW, and cell phone protections
Cons
- $95 annual fee
- The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
- No 0% intro APR offers
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Delta SkyMiles® Reserve Business American Express Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
⌛ Limited Time Offer
Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25. Terms apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
U.S. Shipping only
U.S. office supply stores only
- Earn MQDs towards Medallion Status bya spend ($1 MQD per $10 spent) and get 2,500 MQDs per year just for having the card!
- Frequent Delta flyer perks like first free checked bag, Zone 5 boarding, priority upgrades, and access to complimentary upgrades even for non-Medallion members
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
Pros
- Delta Sky Club access when you're flying the same-day with Delta (15 visits per calendar year)
- Companion certificate that you'll receive every year upon card membership renewal, and it's even valid for First Class on domestic, Caribbean, or Central American roundtrip flights
- Ability to spend your way towards Delta Medallion status with $1 MQD per $10 spent on the card.
Cons
- $650 annual fee
- Lounge access is limited to the primary cardholder, unless you're willing to pay a $50 per-person rate for up to two guests at Delta Sky Clubs
- Limited bonus categories for spend
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
Delta SkyMiles® Platinum Business American Express Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
⌛ Limited Time Offer
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25. Terms Apply.
Bonus points for spend in the following bonus categories:
Multiplier only applies to flights booked on Delta, otherwise earn 1X
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
U.S. shipping only (Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)
- Get $2,500 MQDs each year just for having the card! Plus earn 1 MQD per $20 spent on eligible purchases
- Frequent Delta flyers will appreciate the First Checked Bag Free on Delta Flights + Zone 5 Priority Boarding benefits
- Earn an annual companion certificate upon account renewal, valid for roundtrip domestic flights on Delta
Pros
- Earn Medallion status faster
- Receive an annual companion certificate that can be worth way more than the $350 annual fee
- Get a Global Entry/TSA PreCheck fee credit once every 4-4.5 years
Cons
- $350 annual fee
- Delta Sky Club access no longer a benefit of the card
- Earns less MQDs per dollar than the higher level Delta Business Reserve card
Delta uses a fully dynamic pricing model on most awards, with the program aiming to offer you about 1.1 to 1.2 cents per point. However, you can still occasionally get much more value, especially during SkyMiles Flash Sales. Note that while you can book SkyTeam alliance flights with Delta SkyMiles, you cannot book international First Class on any SkyMiles partner.
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.
IHG One Rewards Premier Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
Earn 5 Free Nights after spending $5,000 on purchases in the first 3 months from account opening. This is valued at up to 300,000 points (each free night can be used for a night value at up to 60,000 points)
Bonus points for spend in the following bonus categories:
10 points per dollar at eligible IHG hotels worldwide; 5X points per dollar on any other hotel purchases.
- Get discounts on IHG points purchases, Platinum Elite status, and a fourth night free on rewards stays
- The annual free night award (at renewal) alone can justify the annual fee.
- Includes other travel perks like Global Entry, United TravelBank Cash, and travel protections.
Pros
- Get Platinum Elite status, a fourth night free, and a free night certificate each account anniversary year.
- Score other travel perks like United credits and Global Entry, TSA PreCheck, or a NEXUS statement credit.
- Earn bonus points at IHG Hotels, and on travel, gas stations, and dining.
Cons
- Low IHG point value means a limited return on spending.
- Eligibility is limited to those who meet Chase 5/24 requirements.
IHG, home of hotel brands like Intercontinental and Holiday Inn, generally provide about four tenths of a cent in value, following a 2021 devaluation and move to fully dynamic award pricing. I'll redeem when I can get more than that. While you can transfer from Chase Ultimate Rewards to IHG, you really never should as you are cutting the value in half as they transfer 1:1. There is no cap on any hotel rates in points like with Hilton. If you have an IHG Premier or Business Premier credit card, you'll get the 4th night free on rewards which can add significant value.
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.
World of Hyatt Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
👑 Best Ever Offer
35,000 Bonus Points after spending $3,000 within the first three months from account opening. Plus, you can earn up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent on purchases that normally earn 1 Bonus Point for the first 6 months from account opening, on up to $15,000 spent.
Bonus points for spend in the following bonus categories:
At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X
- Complimentary hotel night certificate on each cardmember anniversary.
- Automatic Hyatt Discoverist elite status just for holding the card.
- Earn additional qualifying night credits toward higher Hyatt elite status.
Pros
- Complimentary World of Hyatt Discoverist status, plus earn qualifying elite night credits toward higher elite status.
- One free Category 1-4 award night each cardmember anniversary plus earn an extra free night by spending $15,000 in a calendar year.
- Earn bonus points in a wide range of spending categories.
Cons
- Lacks any killer bonus categories aside from on Hyatt stays.
- It may be better to earn Chase Ultimate Rewards instead and then transfer points to World of Hyatt, while keeping some flexibility.
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..
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.
United Club℠ Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
⌛ Limited Time Offer
Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Bonus points for spend in the following bonus categories:
On United only; otherwise earn 2 miles per dollar
Earn 5 miles per $1 spent on hotel accommodations when you prepay directly through Renowned Hotels and Resorts using your United Club℠ Card.
- United Club membership for less than the cost of buying United Club membership, covering the annual fee and then some!
- An absolute ton of benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
- Great shopping protections, including Return Protection on top of Extended Warranty and Purchase Protection.
Pros
- Get United Club membership for less than the cost of buying United Club membership, covering the annual fee cost and then some!
- A ton of shopping protections, from Return Protection to Extended Warranty and Purchase Protection.
- Tons of additional benefits, from Premier Access treatment to top tier Avis elite status and IHG Platinum status, and Primary CDW.
- Earn up to 28,000 Premier qualifying points per calendar year (1 PQP for every $15 you spend on purchases), up to and including the Premier 1K® level
Cons
- High annual fee
- Airport lounge access is limited to United Clubs and does not include any other lounges unless you qualify for All Access membership
- Miles earned are limited to use in the United MileagePlus program
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Reserve®
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
This is a sort of odd one in my opinion… the bonus is 65% until June 30. Starting July 1 through August 15, the bonus drops to 50%.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the 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.
Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.
Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.
Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.
Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!
Bonus points for spend in the following bonus categories:
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.
Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.
- Earns extremely valuable Chase Ultimate Rewards points
- Priority Pass Select airport lounge access for you and 2 guests
- 3X points on dining and travel purchases with no limit - and even more points per dollar when you book airfare, hotels, and car rentals through Chase
Pros
- Aside from a $300 annual credit on travel, you'll earn 3X Chase Ultimate Rewards points on all your travel purchases - and even more when you book via Chase
- Full Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
- Chase Ultimate Rewards points are both extremely valuable and simple to use
Cons
- High annual fee
- Not as many bonus categories as some other cards
- Doesn't come with any airline or hotel statuses
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Preferred® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
This is a sort of odd one in my opinion… the bonus is 65% until June 30. Starting July 1 through August 15, the bonus drops to 50%.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the 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.
Get 20% Bonus Aeroplan® points when you transfer Chase Ultimate Rewards®points between 12:00 AM ET on June 5, 2025 and 11:59 PM ET on July 17, 2025. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete. Promotional offer terms and conditions apply.
Note that if you have the Aeroplan® Credit Card you can get up to 30% bonus Aeroplan points (20% from the limited time offer and an extra 10% for being a Cardmember). To get the additional 10% bonus, Chase Aeroplan Cardmembers need to transfer a minimum of 50,000 points or more from Chase Ultimate Rewards® to Aeroplan, up to a maximum of 25,000 bonus Aeroplan points per calendar year. Bonus points will be awarded by Aeroplan in your Aeroplan account after your transfer is complete.
Here is a list of historical transfer bonuses to Aeroplan. They are generally from 20-30%, but the last few have been 20%.
Aeroplan sweet spots: No fuel surcharges; just a $39CAD booking fee. Lap infant just $25CAD. Can book Etihad and Emirates (although Emirates F is priced at unbookable price levels) as well as Star Alliance flights. Add a stopover for just 5,000 miles!
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
- Earns valuable and highly flexible Chase Ultimate Rewards points
- Extensive travel protections -- including lost luggage insurance and a 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.
The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
World of Hyatt Business Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
⌛ Limited Time Offer
60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.
Bonus points for spend in the following bonus categories:
Only at Hyatt family hotels booked directly. 1X on other hotels.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.
- Earn elite night credits from eligible spend
- Gives you automatic World of Hyatt Discoverist status
- Has a wide range of card benefits, including primary car rental CDW
Pros
- Earn elite night credits from eligible spend
- Grants you automatic World of Hyatt Discoverist status
- Has a wide range of travel and shopping benefits
Cons
- Somewhat high annual fee
- No bonus categories earn more than 2X Hyatt points
- The Discoverist status is the lowest of the Hyatt elite tiers
Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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