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Chase Sapphire Reserve for Business℠
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
The elevated 65% bonus has ended – it’s now 50% until August 15th.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
Only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly
Only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly
Only when booked via Chase Travel; otherwise earn 1X points
Through 9/30/27
- Up to $2,500 in annual value from benefits and statement credits
- Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
- Too many benefits and statement credits to list! It comes with IHG Platinum status for a start...
Pros
- Up to $2,500 in annual value from benefits and statement credits
- Airport lounge access for you and up to two guests at both Chase Sapphire lounges and Priority Pass lounges
- Too many benefits and statement credits to list! Comes with IHG Platinum status for a start...
Cons
- Very high annual fee
- Only one business related (non-travel) bonus category
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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Reserve®
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
The elevated 65% bonus has ended – it’s now 50% until August 15th.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
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.
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.
Only applies to bookings made via Chase Travel℠. Otherwise earn 1X.
- Earns extremely valuable Chase Ultimate Rewards points
- Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
- The potential for more than $2,700 in annual value in benefits and statement credits.
Pros
- Aside from a $300 annual credit on travel, you'll earn up to 8X on all travel purchases made via Chase Travel℠
- Chase Sapphire Lounge by the Club and Priority Pass Select airport lounge access for you and 2 guests, including Priority Pass Experiences
- The potential for more than $2,700 in annual value in benefits and statement credits.
Cons
- High annual fee
- Not as many bonus categories as some other cards
- If booking travel directly (rather than via Chase Travel℠), 4X bonus categories are limited to Airfare and Hotels booked directly but not all travel.
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.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Preferred® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
The elevated 65% bonus has ended – it’s now 50% until August 15th.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
3X bonus points per dollar in combined purchases in the following select business categories: Travel (includes airfare, hotels, and car rentals but excludes local transit), internet, cable, and phone services, search engine/social media and shipping purchases, up to a combined maximum of $150,000 per account anniversary year.
- Earns fully transferable Chase Ultimate Rewards points
- 3X points per dollar on travel and online advertising on social media sites up to $150,000 a year can mean huge points earnings. Limit is per account anniversary year
- Primary Car Rental CDW, trip delay and cancellation insurance, and cell phone protection
Pros
- 3X points per dollar for combined purchases travel, advertising on social media sites, phone services and more - up to $150,000 per account anniversary year can mean huge points earnings
- Earns fully transferable Chase Ultimate Rewards points
- Travel protections, primary car rental CDW, and cell phone protections
Cons
- $95 annual fee
- The 3X bonus categories have a cap of $150,000 on combined purchases, then the earn rate drops to 1X. It also earns 1 point per dollar on other eligible purchases.
- No 0% intro APR offers
The Sapphire Reserve, Sapphire Preferred, 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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Sapphire Preferred® Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
☝ Increased Offer
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
The elevated 65% bonus has ended – it’s now 50% until August 15th.
Get 65% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on June 15, 2025 and 11:59 PM ET on June 30, 2025. When the early bird offer ends, get 50% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on July 1, 2025 and 11:59 PM ET on August 15, 2025. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.
Here is a link to historical transfer bonuses to Marriott Bonvoy.
And here is a link to historical transfer bonuses specifically from Chase Ultimate Rewards to Marriott Bonvoy. We did see 70% last summer, but other than that 65% is pretty much h as high as it gets while the second tier 50% offer is average.
That said, this is almost never a good transfer unless you are topping off for an award you are ready to book. Keep in mind that we value a Chase point at roughly 3X the value of a Marriott Bonvoy point.
However, there are always exceptions and you might find a 5 night stay (5th night free) where the transfer makes sense so do the math – but you likely do not want to transfer speculatively unless you are a Bonvoy pro and believe you will exceed value you can get via other Ultimate Rewards partners.
Bonus points for spend in the following bonus categories:
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn this multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
- Earns valuable and highly flexible Chase Ultimate Rewards points
- Extensive travel protections -- including lost luggage insurance and a collision damage waiver on rental cars up to $60,000 (Primary except in NY where it is secondary)
- 3X points on dining means you can rack up points quickly!
Pros
- You can offset the annual fee by more than half with the $50 annual credit on hotel stays purchased through Chase Travel℠
- Earns valuable and highly flexible Chase Ultimate Rewards points.
- Extensive travel protections -- including lost luggage insurance and a damage waiver on rental cars.
Cons
- A low earning rate of 1x point per dollar on other purchases keeps it from being an ideal everyday spending card.
- High credit scores required for account opening.
- Lack of travel benefits like a Global Entry application fee credit.
The Sapphire Reserve, Sapphire Preferred, 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.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Unlimited® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Get $750 in the form of 75,000 Ultimate Rewards points when you spend $6,000 in your first 3 months. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Bonus points for spend in the following bonus categories:
- Simple. Earn 1.5% cash back on all purchases
- Rich signup bonus
- No annual fee
Pros
- With 1.5% cash back on all purchases, it's a perfect "default" card for purchases not in a bonus category on your other cards
- No annual fee
- Points earned can be transferred to your Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card
Cons
- Comes with a foreign transaction fee when travelling or making a purchase in a foreign currency
- Rewards earned are only cash back, although you can transfer the Ultimate Rewards points earned to a Chase Ink Preferred®, Sapphire Preferred® Card, or Sapphire Reserve® Card to enable airline and hotel points transfers
- No bonus spend categories
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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Chase Ink Business Cash® Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn $350 in the form of 35,000 Ultimate Rewards points when you spend $3,000 on purchases in the first three months and an additional $400 in the form of 40,000 Ultimate Rewards points when you spend $6,000 on purchases in the first six months after account opening. Points are transferrable if you also hold a Sapphire Preferred, Sapphire Reserve, or Ink Business Preferred.
Bonus points for spend in the following bonus categories:
- Earns 5X on office supply stores, cable, internet, and phone
- Points earned can be transferred to other eligible Chase Ultimate Rewards cards
- No annual fee
Pros
- Great 5X (office supplies, cable, internet, phone) and 2X (gas stations and dining) bonus categories - on up to $25,000 in combined purchases each cardmember year.
- No annual fee
- Points earned can be combined to a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card
Cons
- Charges a foreign transaction fee
- Rewards earned are only cash back unless you have a Chase Ink Preferred®, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® Card to unlock points transfers
- Earns only 1% on non-bonus categories
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.

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.
Capital One Spark Miles for Business
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Bonus points for spend in the following bonus categories:
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
Earn 5X miles on hotels and rental cars booked through Capital One Travel. Otherwise, your travel purchase will earn 2X miles.
- Earns 2X Capital One Miles on all purchases
- No foreign transaction fees
- Can purchase passes for Capital One Lounges at a special rate of $45
Pros
- Earns 2X Capital One Miles on all purchases
- Global Entry ($120) / TSA PreCheck ($85) Reimbursement every four years
- Can purchase passes for Capital One Lounges at a special rate of $45
Cons
- $95 annual fee after the first year
- Can only use the miles towards travel. There is no way to convert miles to cash
- No complimentary access to Capital One lounges, but can purchase passes at a special rate of $45
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.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
United Quest℠ Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
👑 Best Ever Offer
Earn 100,000 United MileagePlus bonus miles and 3,000 PQP after spending $4,000 on qualifying purchases in the first three months of opening an account.
Bonus points for spend in the following bonus categories:
- Generous United-specific perks (and unique among airline credit cards) including a $200 annual credit on United purchases, two free checked bags, and up to 10,000 miles back on award tickets.
- Spending on the card helps you earn towards United elite status.
- Long list of travel and purchase protections.
Pros
- $200 annual United purchase statement credit that will help offset the $350 annual fee.
- Up to 10,000 miles back: Automatically get 10,000 United miles back into your account after taking a United award flight, starting with your first cardmember anniversary.
- Priority boarding and complimentary space-available upgrades when flying on award tickets if you have United elite status.
Cons
- No airport lounge access
- $350 annual fee is steep at first glance, but easy to maximize for semi-frequent United flyers
- United miles are not transferable and its best uses are for United, Star Alliance, and partner flight redemptions.
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.


Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
United℠ Business Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
⌛ Limited Time Offer
Limited-time offer: Earn 100,000 bonus miles and 2,000 PQP 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:
- 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 up to 4,000 Premier® qualifying points (PQP) 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 $150
- Only provides two United Club passes per year
- Subpar earning rate, as you can only earn up to 2x bonus miles on eligible categories
They have a similar network to AA in terms of reach via the Star Alliance and also (unlike Delta) allow for booking First Class international awards in the Star Alliance network, but they charge noticeably more for Partner Awards and the rates keep (stealthily) rising. United partner Lufthansa tends to have good availability to Europe making it somewhat easier to use to Europe than American, which relies heavily on British Airways and BA charges incredibly steep surcharges on those awards.

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
Capital One Venture X Rewards Credit Card
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
🎁 Bonus offer
Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.
Bonus points for spend in the following bonus categories:
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
Only applies to bookings made via the Capital One Portal; Earn 2X otherwise.
- 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
- 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 Priority Pass lounges
- Free 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.
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.

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

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