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The Business Platinum Card® from American Express The Business Platinum Card® from American Express image
American Express is an advertising partner.

The Business Platinum Card® from American Express

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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:
Good *
Annual Fee:

👑 Best Ever Offer

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more. Terms apply.

Get a 25% transfer bonus when you transfer American Express Membership Rewards to Air France/KLM Flying Blue.

Offer expires on Oct 31, 2026

Get 25% more Flying Blue Miles when you transfer Membership Rewards® points through 10/31/2026.

Flying Blue has recently devalued with new Light (basic) fares, so consider this before transferring:

The program has lots of uses, although I’ve been frustrated with their incredibly high surcharges ($600+ on a one way business class from NYC to Paris, for example). And they recently did a massive devaluation, where the lowest award rates are now “Light Fares” which equate to Basic. No seat assignments, no cancellations. So now for an award that used to be 60,000 miles (at its lowest level) you need to spend 75,000 miles for the exact same award with the previous flexibility.

On average, the prices for regular (non-Basic) awards rose 20-25%. You can get much better deals via JAL on Air France, though Amex does not transfer to JAL (you would need Citi, Bilt, Capital One, or Rove miles – per our Transfer Partner Matrix.

This bonus basically gets you breakeven on a “normal” award from just a couple of months ago.

Flying Blue is the lowest tax way to book Virgin Atlantic Upper Class, though dynamic pricing means comparing the two programs before booking.

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

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Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Offer expires on Oct 30, 2026

Get 20% more Aeromexico Rewards Points when you transfer Membership Rewards® points through 10/30/2026

While not frequent, we have seen transfer bonuses from American Express Membership Rewards to Aeromexico before, generally once a year.

Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this promotion –  almost 2:1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Luckily, Aeromexico miles don’t expire.

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Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2x
Single Charges over $5,000
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2x
U.S. Electronic Goods Retailers / Software / Cloud System Providers
Estimated Rewards Value: 3.4%

On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.

2x
Shipping
Estimated Rewards Value: 3.4%

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1x-5x
Airfare
Estimated Rewards Value: 1.7%

Must be booked via Amex Travel to earn 5X; otherwise earn 1X

1x-5x
Hotels
Estimated Rewards Value: 1.7%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
 more
  • As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 01/2026.
  • See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
  • Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
  • Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
  • Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
  • Use the Business Platinum Card and get up to $219 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
  • Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
  • Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
  • Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
  • Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That's up to $360 back per year. Enrollment required.
  • Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $120 back per year. Enrollment required.
  • 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
  • 5X points on flights and prepaid hotels on AmexTravel.com
  • 1X points on other eligible purchases
  • Terms Apply.

Pros

  • Robust 5x Membership Rewards® on flights and prepaid hotels at Amex Travel
  • Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection including Centurion Lounges, Priority Pass™ Select membership, and more.
  • Unlock over $4,000 in business and travel value annually on the Business Platinum Card.

Cons

  • High annual fee of $895
  • While there are variety of generous statement credits, they are mostly specific to certain merchants: i.e. Dell, Adobe, Indeed, etc.
  • Airline fee credit does not cover airfare, only incidentals like checked baggage fees or other incidentals.
Annual Fee: $895
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good *
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.  The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth 1 cent (in most cases). We've also created a Guide to American Express Membership Rewards.

APR: 17.99%-28.74% (Variable)
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 17, 2026
Intro bonus:
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Annual Fee:
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Chase Sapphire Reserve for Business℠

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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:
Good (670-739) *
Annual Fee:
$795

☝ Increased Offer

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

Bonus points for spend in the following bonus categories:

Through 9/30/27

5x
Lyft
Estimated Rewards Value: 8.75%

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

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

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

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

On up to $1 million in spend each anniversary year, starting 11/15/26; earn 1X thereafter

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

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

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

Pros

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

Cons

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

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

APR: 17.99%-28.74% (Variable)
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: October 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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The Platinum Card® from American Express The Platinum Card® from American Express image
American Express is an advertising partner.

The Platinum Card® from American Express

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(4.33) 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

As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
Get a 25% transfer bonus when you transfer American Express Membership Rewards to Air France/KLM Flying Blue.

Offer expires on Oct 31, 2026

Get 25% more Flying Blue Miles when you transfer Membership Rewards® points through 10/31/2026.

Flying Blue has recently devalued with new Light (basic) fares, so consider this before transferring:

The program has lots of uses, although I’ve been frustrated with their incredibly high surcharges ($600+ on a one way business class from NYC to Paris, for example). And they recently did a massive devaluation, where the lowest award rates are now “Light Fares” which equate to Basic. No seat assignments, no cancellations. So now for an award that used to be 60,000 miles (at its lowest level) you need to spend 75,000 miles for the exact same award with the previous flexibility.

On average, the prices for regular (non-Basic) awards rose 20-25%. You can get much better deals via JAL on Air France, though Amex does not transfer to JAL (you would need Citi, Bilt, Capital One, or Rove miles – per our Transfer Partner Matrix.

This bonus basically gets you breakeven on a “normal” award from just a couple of months ago.

Flying Blue is the lowest tax way to book Virgin Atlantic Upper Class, though dynamic pricing means comparing the two programs before booking.

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

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications
Get a 20% transfer bonus when you transfer American Express Membership Rewards to Aeromexico Rewards.

Offer expires on Oct 30, 2026

Get 20% more Aeromexico Rewards Points when you transfer Membership Rewards® points through 10/30/2026

While not frequent, we have seen transfer bonuses from American Express Membership Rewards to Aeromexico before, generally once a year.

Aeromexico Rewards points are worth *roughly* 0.75 cents each but with a wide range of ways to redeem.

Normally, you get 1.6 Aeromexico points for 1 Membership Rewards points so that bumps to 1,920 Aeromexico for 1,000 Amex under this promotion –  almost 2:1.

Aeromexico uses a range of redemption options including standard fixed awards and flexible awards – and you’ll see what’s available by searching and that does not require an account.

You can search here (use Google Translate in your browser if available as it’s in Spanish) to check possible redemptions.

Importantly, note the Aeromexico Rewards cancellation policy which is that, well, you can’t cancel it. You can change it, though.

Award Ticket may not be cancelled or reimbursed. If the Member decides not to use the Award Ticket and does not have a flight date scheduled, their Award Ticket will be open for a future flight on the same route, season and cabin.

The Award Ticket will be open for 1 (one) year after the original issuing date, so the trip must be completed within said validity period. Route or cabin changes are not applicable to new Award Tickets. However, there might be a tax and Premier Point difference between the original Award Ticket and the new one. Said difference must be covered when the new Award Ticket is issued. The issuing of the new Award Ticket is subject to seat availability on the desired flight.

Luckily, Aeromexico miles don’t expire.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel®.

5x
Airfare
Estimated Rewards Value: 8.5%

Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x-5x
Hotels
Estimated Rewards Value: 1.7%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
 more
  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits (subject to visit limitations) when flying on an eligible Delta flight, Priority Pass™ membership (enrollment required), and other select partner lounges. *As of 01/2026
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants in select cities through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
  • Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in, when available, and guaranteed 4PM late check-out.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
  • $895 annual fee.
  • Terms Apply.

Pros

  • A wide array of travel and lifestyle credits and exclusive access that can enhance your life.
  • There is no better card for the breadth and variety of airport lounge access worldwide. Plus, the Centurion Lounge network is the largest amongst credit card issuers.
  • One of the best cards to earn points on airfare: 5 points per dollar on airfare purchased directly with airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year).

Cons

  • High annual fee that will require a bit of work to fully maximize.
  • Besides airfare and select hotels, it's not the best card to use for other purchases as it only earns 1X on categories outside of flights booked directly with the airlines (5X) or through the Amex Travel portal (5X on up to $500,000 of airfare purchases per calendar year) and 5X points for prepaid hotels booked with Amex Travel.
  • Car rental insurance is only secondary, not primary as it is with premium cards from Chase and Capital One.
Annual Fee: $895
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good *
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.  The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth 1 cent (in most cases). We've also created a Guide to American Express Membership Rewards.

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 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Delta SkyMiles® Reserve Business American Express Credit Card Delta SkyMiles® Reserve Business American Express Credit Card image
American Express is an advertising partner.

Delta SkyMiles® Reserve Business American Express Credit Card

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(3.88) 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 200,000 Bonus Miles after spending $20,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26. Terms apply.

Bonus points for spend in the following bonus categories:

1.5x
Transit
Estimated Rewards Value: 1.8%

U.S. Shipping only

1.5x
Shipping
Estimated Rewards Value: 1.8%

U.S. office supply stores only

1.5x
Office Supplies
Estimated Rewards Value: 1.8%

3X only applies to Delta flights purchased directly from Delta. All other airline purchases will earn 1X miles per dollar

1x-3x
Airfare
Estimated Rewards Value: 1.2%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.2%
+
 more
  • Limited Time Offer: Earn 200,000 Bonus Miles after spending $20,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 11/4/26.
  • Delta SkyMiles® Reserve Business Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
  • Save 15% when booking Award Travel with miles on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Enjoy your first checked bag free on Delta flights worldwide - and on domestic Delta flights, your second bag flies free too.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers. Enrollment required.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits at over 10,000 qualifying U.S. Resy restaurants for eligible purchases using your enrolled card.
  • Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
  • Terms and limitations apply.

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 *
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: 19.74%-28.74% (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: October 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Venture X Business

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(4.38) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

🎁 Bonus offer

Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening

Get a 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Oct 31, 2026

Get a 20% bonus when you transfer Capital One Miles to British Airways Avios. The 20% bonus miles promotion ends 11:59PM Eastern Time on 10/31/2026.

See historical transfer bonuses to British Airways Avios. 30% is the midpoint of the range, so this 20% one is “ok.”

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. I mention this as some people may not realize this has all changed.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles as they price those like this: 0–650 miles: 6,000 Avios (Economy) / 12,500 Avios (Business). And the restrictions that Qatar had introduced on booking for others has been eliminated although you still confusingly need to add them to one of two lists (based on if they have or don’t have a Qatar account already).

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.

But 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. AA is phasing out F on those planes, but you can still book Business on the new AA planes.

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.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-5x
Airfare
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Car Rentals
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Free authorized user cards
  • No Preset Spending Limit; Earns Capital One Miles

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • No Preset Spending Limit

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One Business Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 25.99% (Variable)
Balance
transfer fees:
Balance transfers are not available on Venture X Business
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: October 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase 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:
$795

🎁 Bonus offer

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

Bonus points for spend in the following bonus categories:

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

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

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

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

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

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

Pros

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

Cons

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

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

APR: 19.74%-28.24% (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: October 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Venture Business image

Capital One Venture Business

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(4.43) 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:
$95

🎁 Bonus offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening
Get a 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Oct 31, 2026

Get a 20% bonus when you transfer Capital One Miles to British Airways Avios. The 20% bonus miles promotion ends 11:59PM Eastern Time on 10/31/2026.

See historical transfer bonuses to British Airways Avios. 30% is the midpoint of the range, so this 20% one is “ok.”

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. I mention this as some people may not realize this has all changed.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles as they price those like this: 0–650 miles: 6,000 Avios (Economy) / 12,500 Avios (Business). And the restrictions that Qatar had introduced on booking for others has been eliminated although you still confusingly need to add them to one of two lists (based on if they have or don’t have a Qatar account already).

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.

But 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. AA is phasing out F on those planes, but you can still book Business on the new AA planes.

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.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.

2x-5x
Hotels
Estimated Rewards Value: 3.2%

Earn 5X Miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.

2x-5x
Car Rentals
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Earn unlimited 2X miles on every purchase, everywhere—no limits, no category restrictions, and miles never expire.
  • Up to $220 in credits: $50 annual travel credit through Capital One Business Travel, up to $50 statement credit on purchases at qualifying advertising or software merchants, plus up to $120 credit for Global Entry or TSA PreCheck® every four years. Terms apply.
  • Earn 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
  • Flexible redemption: Transfer miles to 15+ travel loyalty programs or redeem instantly for any travel-related purchases, including flights, hotels, and rideshares.

Pros

  • Unlimited 2X Miles on purchases with no cap and a low annual fee
  • Capital One Miles transfer to a nice range of air and hotel partners
  • Available Statement credits can be worth more than the annual fee

Cons

  • No bonus categories outside of bookings via Capital One Business Travel
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 24.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Venture Business
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: October 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Capital One Venture Rewards Credit Card

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(4.25) Our Review

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

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

⌛ Limited Time Offer

Earn more than $1,000 in Travel Bonuses with a limited-time $300 Capital One Travel stays credit, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening—that's more than $1,000 in travel value
Get a 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Oct 31, 2026

Get a 20% bonus when you transfer Capital One Miles to British Airways Avios. The 20% bonus miles promotion ends 11:59PM Eastern Time on 10/31/2026.

See historical transfer bonuses to British Airways Avios. 30% is the midpoint of the range, so this 20% one is “ok.”

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. I mention this as some people may not realize this has all changed.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles as they price those like this: 0–650 miles: 6,000 Avios (Economy) / 12,500 Avios (Business). And the restrictions that Qatar had introduced on booking for others has been eliminated although you still confusingly need to add them to one of two lists (based on if they have or don’t have a Qatar account already).

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.

But 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. AA is phasing out F on those planes, but you can still book Business on the new AA planes.

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.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 5X when booked through Capital One Travel; else earn 2X (Includes Vacation Rentals)

2x-5x
Hotels
Estimated Rewards Value: 3.2%

Earn 5X when booked through Capital One Travel; else earn 2X

2x-5x
Car Rentals
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • Simple (and strong) flat-rate earning structure with 2X miles per dollar spent on almost all purchases.
  • Relatively modest $95 annual fee, especially considering how valuable Capital One Miles can be with the ability to either redeem for travel at a value of one cent per point, or transfer miles to a wide range of excellent hotel and airline partners.
  • Up to $120 statement credit to offset Global Entry or TSA PreCheck application fees and no foreign transaction fees.

Pros

  • Great sign-up bonus
  • Easy 2X Miles on all eligible purchases
  • Hertz Five Star elite status

Cons

  • Not as strong travel protections as the more robust Capital One Venture X Credit Card
  • No complimentary access to Capital One lounges or Landings, but can purchase passes at a special rate of $45
  • While the card is simple to use, there is effectively a lack of real bonus categories. Still, 2X miles on almost all purchases are solid
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 19.74%-28.74% (Variable)
Balance
transfer fees:
Balance Transfer Fee applies to balances transferred at a promotional rate
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 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Chase 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.

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%
+
 more
  • 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: 19.49%-27.74% (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: October 17, 2026
Intro bonus:
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YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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Capital One Venture X Rewards Credit Card

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(4.38) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$395

🎁 Bonus offer

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Get a 20% transfer bonus when you transfer Capital One Miles to British Airways Avios.

Offer expires on Oct 31, 2026

Get a 20% bonus when you transfer Capital One Miles to British Airways Avios. The 20% bonus miles promotion ends 11:59PM Eastern Time on 10/31/2026.

See historical transfer bonuses to British Airways Avios. 30% is the midpoint of the range, so this 20% one is “ok.”

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. I mention this as some people may not realize this has all changed.

However, you can still transfer these miles over to Qatar Airways Avios where that same flight would be 6,000 miles as they price those like this: 0–650 miles: 6,000 Avios (Economy) / 12,500 Avios (Business). And the restrictions that Qatar had introduced on booking for others has been eliminated although you still confusingly need to add them to one of two lists (based on if they have or don’t have a Qatar account already).

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.

But 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. AA is phasing out F on those planes, but you can still book Business on the new AA planes.

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.

Reminder: We now maintain an incredibly comprehensive Transfer Partner Matrix that tracks not just where every currency transfers but also notes any current transfer bonuses.

transfer-tooltip-ico
Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

5X only applies to bookings made via Capital One Travel; Earn 2X otherwise.

2x-5x
Airfare
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Travel; Earn 2X otherwise.

2x-10x
Car Rentals
Estimated Rewards Value: 3.2%

10X only applies to bookings made via Capital One Travel; Earn 2X otherwise.

2x-10x
Hotels
Estimated Rewards Value: 3.2%
2x
Everything Else
Estimated Rewards Value: 3.2%
+
 more
  • With a $300 annual travel credit and 10,000 miles (worth $100) each year at renewal, the credits you receive are actually worth more than the annual fee.
  • Access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Capital One Miles are extremely flexible, with the option to redeem for travel at a value of one cent per point, or transfer to a wide range of excellent air and hotel partners.

Pros

  • The annual fee is more than covered by annual credits
  • Comes with access to Capital One lounges and Landings and participating Priority Pass™ lounges
  • Authorized users also get the upgraded Hertz status like the primary card holder

Cons

  • The annual fee, while effectively negative $5 after credits, can feel like a lot.
  • Aside from bonus points for booking through Capital One Travel, there are no bonus categories. Still, all eligible purchases do earn 2X miles per dollar spent which is great.
  • Points don't transfer to any domestic airlines, although you can use other partners to book domestic award tickets on domestic airlines.
Annual Fee: $395
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.016

It's worth noting that some Capital One cards earn 2 miles per dollar on everything, making the 1.6 cent per mile value an understatement as you'd be earning a 3.2% yield on every day spend. However, this assumes you will learn how to utilize the Capital One airline and hotel transfer partners, most of which transfer 1:1. The minimum value is 1 cent when used to book travel in their portal or to  cover previously paid for travel, however, our calculator assumes you will use Capital One's air and hotel transfer partners when calculating a 1.6 cent per point value. We also have a Guide to Capital One Miles.

APR: 19.74%-28.74% (Variable)
Balance
transfer fees:
Balance Transfer Fee applies to balances transferred at a promotional rate
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: October 17, 2026
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
$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
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

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