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American Express is an Advertising Partner

American Express® Business Gold Card

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(4.3) Our Review

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

Min Credit Score:
Good *
Annual Fee:

🎁 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.

Get a 20% transfer bonus when you transfer American Express Membership Rewards to Qatar Airways Avios.

Offer expires on Mar 31, 2025

This matches an existing 20% transfer bonus from Citi ThankYou to Qatar Avios.

Remember that Qatar Avios has become competitive and inline with other Avois partners. It’s always worth checking whether one or another Avois partner (i.e. British Airways, Iberia, Finnair, or Aer Lingus) has a better redemption price since you can freely move between them. You can even connect your British Airways account directly inside Qatar’s website for easy and instant transfer.

IMPORTANT NOTE: Qatar has devalued their own program twice in recent months, first significantly raising the pricing for AA and Alaska awards, then by adding significant new surcharges on long haul premium awards by almost 200%. I wouldn’t transfer speculatively for just 20% myself, but an Avios pro user with lots of Amex points might.

Amex states the transfer can take up to 48 hours.

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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

4 x
Gas Stations
Estimated Rewards Value: 6.8%

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

4 x
Dining Out / Food Delivery
Estimated Rewards Value: 6.8%

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

4 x
Advertising (Online / TV / Radio)
Estimated Rewards Value: 6.8%

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

4 x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 6.8%

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

4 x
Cellular Phone Service
Estimated Rewards Value: 6.8%

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

4 x
Transit
Estimated Rewards Value: 6.8%

3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X

3 x
Airfare
Estimated Rewards Value: 5.1%

Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise

3 x
Hotels
Estimated Rewards Value: 5.1%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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  • 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
Annual Fee: $375
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 0 % Intro APR (on purchases for 6 months, 18.49%-27.49% 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: March 23, 2025
Intro bonus:
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Chase Ink Business Preferred® Credit Card

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(4.6) Our Review

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

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

🎁 Bonus offer

Earn 90,000 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 Aer Lingus Avios.

Offer expires on Mar 31, 2025

Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.

However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.

Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.

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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Iberia Avios.

Offer expires on Mar 31, 2025

On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.

Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to British Airways Avios.

Offer expires on Mar 31, 2025

Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.

Beyond that, my usual thoughts apply:

Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.

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.

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Bonus points for spend in the following bonus categories:

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Airfare
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Transit
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Car Rentals
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cellular Phone Service
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Hotels
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

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

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Shipping
Estimated Rewards Value: 5.25%

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

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

3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.

3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
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  • Earns fully transferable Chase Ultimate Rewards points
  • 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
  • Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection

Pros

  • 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
  • Earns fully transferable Chase Ultimate Rewards points
  • Travel protections, primary car rental CDW, and cell phone protections

Cons

  • $95 annual fee
  • The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
  • No 0% intro APR offers
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 20.24%-26.24% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: March 23, 2025
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American Express is an Advertising Partner

Delta SkyMiles® Reserve Business American Express Credit Card

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(3.9) Our Review

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

Min Credit Score:
Good *
Annual Fee:

⌛ Limited Time Offer

Earn 110,000 Bonus Miles after spending $12,000 in purchases on the new Card in the first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.6%
1.5 x
Transit
Estimated Rewards Value: 1.8%

U.S. Shipping only

1.5 x
Shipping
Estimated Rewards Value: 1.8%

U.S. office supply stores only

1.5 x
Office Supplies
Estimated Rewards Value: 1.8%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • 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
Annual Fee: $650
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

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.

APR: 19.99%-28.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: March 23, 2025
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American Express is an Advertising Partner

Delta SkyMiles® Platinum Business American Express Card

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(4.1) Our Review

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

Min Credit Score:
Good *
Annual Fee:

⌛ Limited Time Offer

LIMITED TIME OFFER: Earn 100,000 Bonus Miles after spending $8,000 in purchases on the new Card in the first 6 months of Card Membership. Offer Ends 4/2/25. Terms Apply.

Bonus points for spend in the following bonus categories:

Multiplier only applies to flights booked on Delta, otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 3.6%
3 x
Hotels
Estimated Rewards Value: 3.6%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Transit
Estimated Rewards Value: 1.8%

(Aggregate limit of $100,000 across the categories of U.S. Shipping, Transit, and Charges of $5,000 or more - 1X thereafter)

1.5 x
Single Charges over $5,000
Estimated Rewards Value: 1.8%

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)

1.5 x
Shipping
Estimated Rewards Value: 1.8%
1 x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
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  • 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
Annual Fee: $350
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

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.

APR: 19.99%-28.99% (Variable)
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: March 23, 2025
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United℠ Business Card

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(4) Our Review

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

Min Credit Score:
Good (670-739) *
Annual Fee:
$99

⌛ Limited Time Offer

Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.

Bonus points for spend in the following bonus categories:

2 x
Airfare
Estimated Rewards Value: 2.4%
2 x
Transit
Estimated Rewards Value: 2.4%
2 x
Gas Stations
Estimated Rewards Value: 2.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 2.4%
2 x
Office Supplies
Estimated Rewards Value: 2.4%
1 x
Everything Else
Estimated Rewards Value: 1.2%
+
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Notify me of bonus offer changes
  • Earn up to 2x United miles on select bonus categories and PQPs to help you qualify for the next level of Premier elite status
  • Free first checked bag benefit, worth $40 or up to $160 per round trip (Terms apply) for every round-trip United Airlines flight you take
  • Elevate your United flights with two annual United Club certificates, 25% savings on inflight purchases, and priority boarding for you and your companions on the same booking

Pros

  • United travel perks, such as your first checked bag free, priority boarding privileges, two annual United Club passes and more
  • Earn PQPs towards elite status
  • Great travel and purchase protections that can help your business save when things don't go as planned

Cons

  • The annual fee is $99
  • Only provides two United Club passes per year
  • Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.012

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.

APR: 20.99%-27.99% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
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: March 23, 2025
Intro bonus:
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All information about the World of Hyatt Credit Card has been collected independently by Your Best Credit Cards.

World of Hyatt Credit Card

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(4) Our Review

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

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

👑 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

4 x
Hotels
Estimated Rewards Value: 6.8%
2 x
Airfare
Estimated Rewards Value: 3.4%
2 x
Dining Out / Food Delivery
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
2 x
Transit
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
Notify me of bonus offer changes
  • 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.
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: 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: March 23, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase Sapphire Reserve®

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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.

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$550

🎁 Bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Aer Lingus Avios.

Offer expires on Mar 31, 2025

Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.

However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.

Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Iberia Avios.

Offer expires on Mar 31, 2025

On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.

Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to British Airways Avios.

Offer expires on Mar 31, 2025

Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.

Beyond that, my usual thoughts apply:

Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.

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.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Car Rentals
Estimated Rewards Value: 17.5%

Only applies to bookings made viaChase Travel℠. Otherwise earn 3X points per dollar.

10 x
Hotels
Estimated Rewards Value: 17.5%

Only applies to bookings made via Chase Travel℠. Otherwise earn 3X points per dollar.

5 x
Airfare
Estimated Rewards Value: 8.75%
3 x
Transit
Estimated Rewards Value: 5.25%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Cruises
Estimated Rewards Value: 5.25%
1 x
Everything Else
Estimated Rewards Value: 1.75%
+
 more
Notify me of bonus offer changes
  • 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
Annual Fee: $550
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01-$0.0175

The Sapphire Reserve, Sapphire Preferred, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 21.49%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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: March 23, 2025
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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Chase Sapphire Preferred® Card

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(4.1) Our Review

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

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

🎁 Bonus offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Aer Lingus Avios.

Offer expires on Mar 31, 2025

Most people would do better utilizing transfer bonuses to British Airways or Iberia which are also available for the same time frame, as the specific utility for Aer Lingus Avios is limited.

However, there ARE some sweet spots in the Aer Lingus program such as awards from the East Coast to Ireland for just 13,000 off peak in economy and 50,000 points in business.

Not East Coast? Off peak economy is just 16,250 Avios or 62,500 in Business.

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Iberia Avios.

Offer expires on Mar 31, 2025

On the same day as transfer bonuses to BA and Aer Lingus, keep in mind that all Avios can be moved between programs – including Qatar and Finnair.

Iberia’s chart is similar to BA’s however, note that I recommend only using for travel on Iberia. That is not only because fees will be lowest (you can fly from the East Coast of the US to Madrid in Business Class off peak for 34,000 Avios) but because award travel on partner airlines booked with Iberia Avios is non-refundable!!

Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to British Airways Avios.

Offer expires on Mar 31, 2025

Personally, I value a Chase point at well more than even 1.2 British Airways Avios, but if you have plenty of Chase points and a planned redemption it’s something to consider. Also consider, however, that Chase offered a 30% bonus in October of 2024 and Capital One offered a 20% bonus in November of 2024.

Beyond that, my usual thoughts apply:

Despite past shortfall domestic sweet spots evaporating, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 9,500 miles (up from 6,000 but still cheaper than BA). And that’s the thing – you can transfer these Avios to any other Avios program airline including Finnair.

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.

Subscribe to Transfer Bonus Notifications

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.

5 x
Airfare
Estimated Rewards Value: 8.75%

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

5 x
Car Rentals
Estimated Rewards Value: 8.75%

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

5 x
Hotels
Estimated Rewards Value: 8.75%
3 x
Dining Out / Food Delivery
Estimated Rewards Value: 5.25%
3 x
Streaming Services
Estimated Rewards Value: 5.25%
2 x
Transit
Estimated Rewards Value: 3.5%
2 x
Cruises
Estimated Rewards Value: 3.5%
1 x
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 damage waiver on rental cars.
  • 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, and Ink Preferred all have the ability to transfer to airline and hotel partners. We use an average value that you can expect to get by utilizing your points for these transfer partners. If you do not have at least one of these cards, Ultimate Rewards are worth exactly 1 cent per point. Also keep in mind that when you redeem your points, you can elect to book travel through the Ultimate Rewards portal where the Sapphire Preferred and Ink Preferred have a point value of 1.25 cents per point and the Sapphire Reserve has points worth 1.5 cents each. You can move points freely between your Ultimate Rewards cards, i.e. from a Chase Freedom Unlimited to a Chase Sapphire Reserve. You can also read our Guide to Chase Ultimate Rewards points.

APR: 20.49%-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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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: March 23, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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World of Hyatt Business Credit Card

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(4.2) Our Review

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

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

🎁 Bonus offer

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

Bonus points for spend in the following bonus categories:

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

4 x
Hotels
Estimated Rewards Value: 6.8%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Airfare
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Transit
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Car Rentals
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

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

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Gas Stations
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Cellular Phone Service
Estimated Rewards Value: 3.4%

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

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

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

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

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2 x
Shipping
Estimated Rewards Value: 3.4%
2 x
Gym Memberships
Estimated Rewards Value: 3.4%
1 x
Everything Else
Estimated Rewards Value: 1.7%
+
 more
Notify me of bonus offer changes
  • Earn elite night credits from eligible spend
  • Gives you automatic World of Hyatt Discoverist status
  • Has a wide range of card benefits, including primary car rental CDW

Pros

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits

Cons

  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers
Annual Fee: $199
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.017

Hyatt award rates range from 3,500 to 45,000 points per night at their regular hotels and resorts. At all-inclusive resorts and Miraval, the prices can reach as high as 58,000 points per night, Almost without fail, during even remotely peak times, we can find roughly 2 cents per point in value. You can even book Suites for incrementally more points (Premium Suite costs twice as much as a room, for example). I tend to find these are one of the best ways to spend Chase Ultimate Rewards points which transfer 1:1. They are the only major hotel program in the US with fixed award charts making it a great program to be able to set goals for your redemptions..

APR: 19.99%-28.49% (Variable)
Balance
transfer fees:
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Author: Dave Grossman
Total Rating:
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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: March 23, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Southwest® Rapid Rewards® Premier Business Credit Card

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(3.9) Our Review

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

Min Credit Score:
Good (670-739) *
Annual Fee:
$99

🎁 Bonus offer

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months from account opening.

Bonus points for spend in the following bonus categories:

Earn 3X on Southwest flights booked directly; otherwise earn 1X

3 x
Airfare
Estimated Rewards Value: 4.2%
2 x
Transit
Estimated Rewards Value: 2.8%

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2 x
Hotels
Estimated Rewards Value: 2.8%

Only when booked via the Rapid Rewards portal; Otherwise earn 1X.

2 x
Car Rentals
Estimated Rewards Value: 2.8%
1 x
Everything Else
Estimated Rewards Value: 1.4%
+
 more
Notify me of bonus offer changes
  • Southwest-specific perks like 25% back on inflight purchases and two EarlyBird Check-Ins
  • Ability to spend toward A-List status and the Southwest Companion Pass
  • 6,000 bonus points on every cardmember anniversary

Pros

  • 6,000 bonus points on every cardmember anniversary
  • Southwest-specific perks like 25% back on inflight purchases and two EarlyBird Check-Ins
  • Ability to spend toward A-List status and the Southwest Companion Pass

Cons

  • Lack of business spending rewards categories
  • Better perks and earning rates on the Southwest Performance Business Card
Annual Fee: $99
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.014

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

APR: 20.49%-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:
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: March 23, 2025
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$595
Point value
$0.014
Best Multiplier
View Table Image
Annual fee
$95
Point value
$0.017
Best Multiplier
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
$95
Point value
$0.01 -
$0.0175
Best Multiplier
5x Airfare
5x Car Rentals
+ 6 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 / VOIP Phone
5x Cellular Phone Service
+ 4 more
View Table Image
Annual fee
$195
Point value
$0.01
Best Multiplier
5x Airfare
5x Cruises
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$0
Point value
$0.016
Best Multiplier
5x Hotels
5x Car Rentals
+ 1 more
View Table Image
Annual fee
$550
Point value
$0.01 -
$0.0175
Best Multiplier
10x Car Rentals
10x Hotels
+ 5 more

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