Our Credit Card Explorer lets you narrow down the overwhelming selection of available credit cards to only the ones that match your exact preferences.
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.
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. Find out your offer. Terms Apply.
Get 30% more Virgin Points when you transfer Membership Rewards® points through 7/31/2026.
Chase and Citi have both had 30% transfer bonuses to Virgin this year, but this is the first one of 2026 for American Express Membership Rewards®.
You can see historical transfer bonuses to Virgin Atlantic here. They can go up to 40%, although we have only seen 30% in 2026.
Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.
ANA First and Business class awards:
(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but not always, book the same for much less. Also, there have been reports that award availability between the US mainland and Japan isn’t bookable through Flying Club within 14 days of departure.)
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
On up to $2 million in eligible purchases in the U.S., per calendar year, in all 2X bonus categories.
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Must be booked via Amex Travel to earn 5X; otherwise earn 1X
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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.
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.
Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.
When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.
There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.
We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!
You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.
But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.
Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.
Through 9/30/27
Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on airfare booked directly. Any other booking channel earns 1X.
Earn 8X only when booked via Chase Travel; otherwise this card earns 4X on hotels booked directly. Any other booking channel earns 1X.
Only when booked via Chase Travel; otherwise earn 1X points per dollar.
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.
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.
You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 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. Find out your offer. Terms Apply.
Get 30% more Virgin Points when you transfer Membership Rewards® points through 7/31/2026.
Chase and Citi have both had 30% transfer bonuses to Virgin this year, but this is the first one of 2026 for American Express Membership Rewards®.
You can see historical transfer bonuses to Virgin Atlantic here. They can go up to 40%, although we have only seen 30% in 2026.
Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.
ANA First and Business class awards:
(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but not always, book the same for much less. Also, there have been reports that award availability between the US mainland and Japan isn’t bookable through Flying Club within 14 days of departure.)
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000
3X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com; Otherwise 1X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card; 1X otherwise
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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.
Get 30% more Virgin Points when you transfer Membership Rewards® points through 7/31/2026.
Chase and Citi have both had 30% transfer bonuses to Virgin this year, but this is the first one of 2026 for American Express Membership Rewards®.
You can see historical transfer bonuses to Virgin Atlantic here. They can go up to 40%, although we have only seen 30% in 2026.
Redeem for flights starting at 6,000 points. We like using points for domestic Delta flights (when there is availability!) as well as for SkyTeam flights and, of course, ANA First and Business Class flights. Virgin’s own flight rewards are dynamically priced but with high surcharges. I’d been seeing a lot of Upper Class seats from 29,000 points but I’m not seeing much now so do some homework on what you are hoping to book before transferring.
ANA First and Business class awards:
(Note that you can book one way for half the price of the points price listed. Also you must call to book these. Find availability on United’s site first. If you see it there, Virgin can usually, but not always, book the same for much less. Also, there have been reports that award availability between the US mainland and Japan isn’t bookable through Flying Club within 14 days of departure.)
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®.
Earn 5X only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent
Instant Transfers as well as solid transfer partners. The value would go up if they had any hotel partners with a fair exchange rate. ANA (an exception to instant transfers), Virgin, Air Canada and Avianca are top airline partners for maximizing your points. They can also transfer to Delta if you wish and while the rates aren't ideal, they can transfer to Marriott and Hilton as well. ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
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.
Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.
Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.
When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉
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.
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.
Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening
Transfer bonus of 1,000 Capital One Miles = 975 Infinity MileageLands Miles ends 11:59PM Eastern Time on 07/31/2026. This is a 30% transfer bonus as this normally transfers 4:3 and this makes it nearly 1:1.
Keep in mind that Citi ThankYou points also transfer to EVA at a 1:1 ratio so this only makes sense if you not only use the program but also don’t have ThankYou points.
Typically, the main use of EVA Air miles are to book business class awards on EVA. These are not released to partners, most of the time, although it’s been flagged by Tim @ Roame.travel that they have recently been making some available to partners 7 days before the flight. Still, if you want to advance plan, you need EVA miles.
It can take up to 36 hours for the transfer to go through, so you can’t find space and then transfer, but there is really good award space for its own members so as long as you have some flexibility, you should be able to find a flight.
They do offer Star Alliance Round the World awards and with ANA no longer offering their really generous RTW award, this could be a nice option. These are 180,000 miles for economy, 325,000 miles for business class, and 480,000 miles in first class, although good luck finding 1st award space for that many segments!
While you can book other Star Alliance awards with EVA (like US to Europe in Business Class for 65,000 miles), the prices aren’t compelling enough to use EVA for them, especially without instant transfers. Surcharges are applied.
5X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.
10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.
10X only applies to bookings made via Capital One Business Travel; Earn 2X otherwise.
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.
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.
Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.
When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.
There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.
We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!
You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.
But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.
Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.
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.
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.
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.
Early birds get more points! Get 100% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 15, 2026 and 11:59 PM ET on July 30, 2026.
When the Early Bird offer ends, get 70% Bonus IHG One Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on July 31, 2026 and 11:59 PM ET on August 31, 2026. Bonus points will be awarded by IHG in your IHG One Rewards account after your transfer is complete.
There have been six transfer bonuses from Chase to IHG One Rewards in 2025 early 2026. One was 100%, two were 80%, and three were 70%.
We value IHG Rewards points at 0.4 cents and Chase Ultimate Rewards at 1.75 cents, so this is far from a slam dunk and we’d advise to only transfer if you’ve already found a great redemption. Even at 100%, you are only getting, on average, 0.8 cents for each Ultimate Rewards point!
You may be looking to “top up” an existing IHG Rewards balance for a reward stay and this would be an opportune time.
But as a general rule, we find that one Chase Ultimate Rewards point is at least 4 times more valuable than IHG Rewards points, so, again, do your homework before transferring and make sure you have a deal lined up – ideally using the 4th night free benefit from a co-branded credit card.
Transfers take less than a day (most likely less than a few hours, but not instant), although note that IHG is adding the bonus on their side so there could be a delay.
Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
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.
Earn the higher multiplier when you purchase via Chase Travel℠. If you purchase any other way, you will earn 2X points.
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.
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.
Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.
This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.
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.
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.
Earn $1,000 when you spend $8,000 on purchases in the first four months after account opening.
This is awarded as 100,000 Ultimate Rewards Points, transferrable if you also hold a Sapphire Preferred®, Sapphire Reserve®, Ink Business Preferred®, or Sapphire Reserve for Business℠.
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.
Get your personalized selection of credit cards based on what you spend the most on. Use the sliders to estimate your MONTHLY spend in each category.
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