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Your Best Credit Cards has partnered with CardRatings and MyBankTracker for our coverage of credit card products. Your Best Credit Cards and our partners may receive compensation from card issuers when a customer clicks on a link, when an application is approved, or when an account is opened. Some or all of the offers that appear on Your Best Credit Cards are from advertisers and may influence how and where products are displayed on the site, as well as their rankings in tables. Your Best Credit Cards does not include all card companies, banks, or all available card or bank offers. Commissions do not affect or prioritize placement within our Card Explorer results, and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges for credit cards are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.
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. Find out your offer. Terms Apply.

Get a 20% transfer bonus when you transfer American Express Membership Rewards to Hilton Honors.

Offer expires on May 30, 2026

Get 20% more Hilton Honors Points when you transfer Membership Rewards® points through 5/30/2026. 3,000,000 point maximum transfer.

The normal transfer ratio is 1:2, so this bonus gets you 2,400 Hilton Honors points when you transfer 1,000 American Express points.

The last transfer bonus from Amex to Hilton expired in September of 2025, so it’s been a while. That one was for 25%.

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.

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.
  • 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 07/2025.
  • 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 $209 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.  ANA provides almost unbeatable value for booking a Round the World flight all in Business Class. The stated value also assumes you will take advantage of transfer partners rather than book via their booking portal, where they are only worth between 1 and 1.5 cents. We've also created a Guide to American Express Membership Rewards.

APR: 17.74%-28.49% (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: May 17, 2026
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

American Express® Business Gold Card

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(4.3) Our Review

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

Min Credit Score:
Good *
Annual Fee:

👑 Best Ever Offer

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 a 20% transfer bonus when you transfer American Express Membership Rewards to Hilton Honors.

Offer expires on May 30, 2026

Get 20% more Hilton Honors Points when you transfer Membership Rewards® points through 5/30/2026. 3,000,000 point maximum transfer.

The normal transfer ratio is 1:2, so this bonus gets you 2,400 Hilton Honors points when you transfer 1,000 American Express points.

The last transfer bonus from Amex to Hilton expired in September of 2025, so it’s been a while. That one was for 25%.

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.

Subscribe to Transfer Bonus Notifications

Bonus points for spend in the following bonus categories:

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Gas Stations
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

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

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

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

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

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

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Cellular Phone Service
Estimated Rewards Value: 6.8%

Earn 4X Membership Rewards Points on the 2 categories that you spend the most on each month, up to a combined maximum of $150,000

4x
Transit
Estimated Rewards Value: 6.8%

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

3x
Airfare
Estimated Rewards Value: 5.1%

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

3x
Hotels
Estimated Rewards Value: 5.1%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
+
 more
  • As High As 200,000 points. Find Out Your Offer. 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.
  • Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
  • Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Subscription purchases subject to auto-renewal.
  • 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 Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
  • The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
  • Terms Apply

Pros

  • You can't beat the 4X points on 2 out of the following 6 categories each month: U.S. advertising and media, U.S. gas stations, U.S. electronic goods retailers and software & cloud system providers, U.S. restaurants, U.S. wireless telephone service providers, and U.S. Transit
  • Although the annual fee seems high, if you max out the 4X on $150,000 in purchases, that earns you 600,000 Membership Rewards points which Your Best Credit Cards values at around $10,000
  • Card membership includes the very well regarded American Express customer service

Cons

  • The high annual fee, despite being worth it for high spenders
  • If you spend well over $150,000 a year in these categories, you may max it out and remaining spend earns at just 1X.
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $375
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good *
Point
Value:
$0.017

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

APR: 17.74%-28.49% (Variable)
Author: Dave Grossman
Total Rating:
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YBCC Card Rate Stars Empty

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

Last Updated: May 17, 2026
Intro bonus:
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
Annual Fee:
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Benefits:
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Multipliers:
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American Express is an Advertising Partner

The Platinum Card® from American Express

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YBCC Card Rate Stars Empty
(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 20% transfer bonus when you transfer American Express Membership Rewards to Hilton Honors.

Offer expires on May 30, 2026

Get 20% more Hilton Honors Points when you transfer Membership Rewards® points through 5/30/2026. 3,000,000 point maximum transfer.

The normal transfer ratio is 1:2, so this bonus gets you 2,400 Hilton Honors points when you transfer 1,000 American Express points.

The last transfer bonus from Amex to Hilton expired in September of 2025, so it’s been a while. That one was for 25%.

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.

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 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
  • $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 make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
  • $209 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 $209 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 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: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
  • 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.  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.

Author: Chris Dong
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: May 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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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

👑 Best Ever Offer

Limited Time Offer: Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Southwest Rapid Rewards.

Offer expires on Jun 05, 2026

Get 30% bonus Southwest Rapid Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on May 15, 2026 and 11:59 PM ET on June 5, 2026.

Since we started tracking transfer bonuses, we’ve only seen two transfer bonuses to Southwest Rapid Rewards. Chase, just this last November at 25%, and Bilt in May 2025 (up to 100%). There was also one from Chase during COVID before this site started tracking.

Does that make this a great deal? Well, no, not really for most; maybe for some… Generally I peg a Rapid Rewards point under the current management as being worth an average of 1.25 cents per point. With this bonus you are looking at a blended average somewhere in the 1.6 cents per point range. That means that in most cases, this will be a better redemption than using the Chase Travel℠ portal, but it won’t be a gangbusters / aspirational redemption by any means.

If you already transfer to higher value partners or are getting 1.75 cents per point regularly in Points Boost, this won’t be as attractive. If you fly Southwest and aren’t getting better than 1.6 cents per point on average now, then maybe it’s worth it – just keep in mind this new management is likely to keep devaluing the value you get from points, so I wouldn’t back up the truck.

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Get up to a 65% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Tiered by Date (55% - 65%)
Offer expires on Jun 30, 2026

Early birds get more points! Get 65% bonus Marriott Bonvoy® points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 15, 2026. When the early bird offer ends, get 55% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on May 16, 2026 and 11:59 PM ET on June 30, 2026. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Chase just ran a transfer bonus to Marriott Bonvoy, which ended on February 28, 2026, for 50%. This is unquestionably better, but it doesn’t change the math much on how I’d view this transfer bonus:

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 transfer partners. Also keep in mind this transfer can take up to 48 hours.

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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Ends May 27, 2026
Offer expires on May 27, 2026

Get 20% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 27, 2026.

Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete. Promotional offer terms and conditions apply.

Chase’s last transfer bonus to Flying Blue ended last September, and there was one from Amex in October of 2025, but this is the first transfer bonus from any issuer to Flying Blue in 2026.

Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion! Of course you can also get even luckier during an Air France monthly promo award sale.

Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.

If you have lots of points across various programs, no need to speculatively transfer due to the number of overall transfer bonuses each year.

Subscribe to Transfer Bonus Notifications

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 $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.
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: 19.49%-27.99% (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: May 17, 2026
Intro bonus:
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Chase Sapphire Reserve for Business℠ Chase Sapphire Reserve for Business℠ image

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

🎁 Bonus offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.
Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Southwest Rapid Rewards.

Offer expires on Jun 05, 2026

Get 30% bonus Southwest Rapid Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on May 15, 2026 and 11:59 PM ET on June 5, 2026.

Since we started tracking transfer bonuses, we’ve only seen two transfer bonuses to Southwest Rapid Rewards. Chase, just this last November at 25%, and Bilt in May 2025 (up to 100%). There was also one from Chase during COVID before this site started tracking.

Does that make this a great deal? Well, no, not really for most; maybe for some… Generally I peg a Rapid Rewards point under the current management as being worth an average of 1.25 cents per point. With this bonus you are looking at a blended average somewhere in the 1.6 cents per point range. That means that in most cases, this will be a better redemption than using the Chase Travel℠ portal, but it won’t be a gangbusters / aspirational redemption by any means.

If you already transfer to higher value partners or are getting 1.75 cents per point regularly in Points Boost, this won’t be as attractive. If you fly Southwest and aren’t getting better than 1.6 cents per point on average now, then maybe it’s worth it – just keep in mind this new management is likely to keep devaluing the value you get from points, so I wouldn’t back up the truck.

Subscribe to Transfer Bonus Notifications
Get up to a 65% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Tiered by Date (55% - 65%)
Offer expires on Jun 30, 2026

Early birds get more points! Get 65% bonus Marriott Bonvoy® points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 15, 2026. When the early bird offer ends, get 55% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on May 16, 2026 and 11:59 PM ET on June 30, 2026. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Chase just ran a transfer bonus to Marriott Bonvoy, which ended on February 28, 2026, for 50%. This is unquestionably better, but it doesn’t change the math much on how I’d view this transfer bonus:

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 transfer partners. Also keep in mind this transfer can take up to 48 hours.

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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Ends May 27, 2026
Offer expires on May 27, 2026

Get 20% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 27, 2026.

Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete. Promotional offer terms and conditions apply.

Chase’s last transfer bonus to Flying Blue ended last September, and there was one from Amex in October of 2025, but this is the first transfer bonus from any issuer to Flying Blue in 2026.

Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion! Of course you can also get even luckier during an Air France monthly promo award sale.

Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.

If you have lots of points across various programs, no need to speculatively transfer due to the number of overall transfer bonuses each year.

Subscribe to Transfer Bonus Notifications

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%
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%
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 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

  • Very 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: 17.74%-28.49% (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: May 17, 2026
Intro bonus:
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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 Qantas Frequent Flyer.

Offer expires on May 31, 2026

Ending on May 31, 2026 at 11:59pm ET, this is a pretty rare 20% transfer bonus opportunity if you are savvy with Qantas’ program (which probably isn’t a ton of you!). We only see four historical transfer bonuses to Qantas dating back to 2022 when we started recording them, two from Capital One, one from Citi ThankYou and one from Amex. All have also been 20%. The last Cap One transfer bonus to Qantas was exactly this time last year.

The first thing you’ll want to see is the Qantas award chart as prices rose, significantly in some cases, in August of 2024. There are actually multiple charts: One for Qantas, Jetstar, Fiji Airways, Air Vanuatu, and American Airlines and another for Air France, Alaska Airlines, Bangkok Airways, British Airways, Cathay Pacific Airways, China Airlines, China Eastern, EL AL, Emirates, Finnair, Iberia, Japan Airlines, KLM, LATAM Airlines, Malaysia Airlines, Oman Air, Qatar Airways, Royal Air Maroc, Royal Jordanian, SriLankan Airlines and WestJet.

And then there’s yet another for mixed oneworld awards.

The Qantas frequent flyer program tends to have very expensive rates, however, there are often times that they make First and Business Class seats from the US to Australia available with Qantas Frequent Flyer and not with partners. You may also find expanded availability with other partners – you’ll have to search but happily their search interface is pretty easy to use and provides calendar views.

You can also book Emirates Business class flights with Qantas. Compare against the Emirates Skywards program before transferring.

Don’t forget to check surcharges!

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: 25.74% (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: May 17, 2026
Intro bonus:
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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

⌛ Limited Time Offer

Limited-time offer: Earn up to 150,000 bonus miles. 75,000 miles once you spend $7,500 in the first 3 months, and an additional 75,000 miles once you spend $30,000 in the first 6 months
Get a 20% transfer bonus when you transfer Capital One Miles to Qantas Frequent Flyer.

Offer expires on May 31, 2026

Ending on May 31, 2026 at 11:59pm ET, this is a pretty rare 20% transfer bonus opportunity if you are savvy with Qantas’ program (which probably isn’t a ton of you!). We only see four historical transfer bonuses to Qantas dating back to 2022 when we started recording them, two from Capital One, one from Citi ThankYou and one from Amex. All have also been 20%. The last Cap One transfer bonus to Qantas was exactly this time last year.

The first thing you’ll want to see is the Qantas award chart as prices rose, significantly in some cases, in August of 2024. There are actually multiple charts: One for Qantas, Jetstar, Fiji Airways, Air Vanuatu, and American Airlines and another for Air France, Alaska Airlines, Bangkok Airways, British Airways, Cathay Pacific Airways, China Airlines, China Eastern, EL AL, Emirates, Finnair, Iberia, Japan Airlines, KLM, LATAM Airlines, Malaysia Airlines, Oman Air, Qatar Airways, Royal Air Maroc, Royal Jordanian, SriLankan Airlines and WestJet.

And then there’s yet another for mixed oneworld awards.

The Qantas frequent flyer program tends to have very expensive rates, however, there are often times that they make First and Business Class seats from the US to Australia available with Qantas Frequent Flyer and not with partners. You may also find expanded availability with other partners – you’ll have to search but happily their search interface is pretty easy to use and provides calendar views.

You can also book Emirates Business class flights with Qantas. Compare against the Emirates Skywards program before transferring.

Don’t forget to check surcharges!

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: 24.49% (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: May 17, 2026
Intro bonus:
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Capital One Spark Cash Plus

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(4) Our Review

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

Min Credit Score:
Excellent (800-850) *
Annual Fee:
$150

🎁 Bonus offer

Earn a $2,000 cash bonus when you spend $30,000 in the first 3 months. Earn an additional $2,000 bonus for every $500,000 spent in the first year.

Bonus points for spend in the following bonus categories:

Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.

2x-5x
Car Rentals
Estimated Rewards Value: 2%

Earn 5X only when booked via Capital One Business Travel; Otherwise earn 2X.

2x-5x
Hotels
Estimated Rewards Value: 2%
2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • No preset spend limit as a charge card
  • Easy 2% cash back on all purchases; no bonus category restrictions
  • No foreign transaction fees

Pros

  • With no preset spending limit, the Capital One Spark Cash Plus is a perfect business card for businesses with a high amount of monthly spend.
  • You'll never pay any foreign transaction fees.
  • 2% cashback on all purchases.

Cons

  • The $150 annual fee may be high if you aren't going to put significant spend on this card.
  • There are no bonus categories other than car rentals and hotels via the Capital One Travel portal.
  • Does not have a full range of trip protections or purchase protections, although it does offer Extended Warranty coverage.
Annual Fee: $150
Foreign
Transaction Fee:
0%
Min Credit
Score:
Excellent (800-850) *
Point
Value:
$0.01

When a card earns cash back, it has a value in our calculator of $0.01, just as you'd expect! 😉

APR: 25.74% (Variable)
Balance
transfer fees:
Balance transfers are not available on Spark Cash Plus
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: May 17, 2026
Intro bonus:
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Chase Ink Business Preferred® Credit Card Chase Ink Business Preferred® Credit Card image

Chase Ink Business Preferred® Credit Card

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(4.63) 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

☝ Increased Offer

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Get a 30% transfer bonus when you transfer Chase Ultimate Rewards to Southwest Rapid Rewards.

Offer expires on Jun 05, 2026

Get 30% bonus Southwest Rapid Rewards points when you transfer Ultimate Rewards points between 12:00 AM ET on May 15, 2026 and 11:59 PM ET on June 5, 2026.

Since we started tracking transfer bonuses, we’ve only seen two transfer bonuses to Southwest Rapid Rewards. Chase, just this last November at 25%, and Bilt in May 2025 (up to 100%). There was also one from Chase during COVID before this site started tracking.

Does that make this a great deal? Well, no, not really for most; maybe for some… Generally I peg a Rapid Rewards point under the current management as being worth an average of 1.25 cents per point. With this bonus you are looking at a blended average somewhere in the 1.6 cents per point range. That means that in most cases, this will be a better redemption than using the Chase Travel℠ portal, but it won’t be a gangbusters / aspirational redemption by any means.

If you already transfer to higher value partners or are getting 1.75 cents per point regularly in Points Boost, this won’t be as attractive. If you fly Southwest and aren’t getting better than 1.6 cents per point on average now, then maybe it’s worth it – just keep in mind this new management is likely to keep devaluing the value you get from points, so I wouldn’t back up the truck.

Subscribe to Transfer Bonus Notifications
Get up to a 65% transfer bonus when you transfer Chase Ultimate Rewards to Marriott Bonvoy.

Tiered by Date (55% - 65%)
Offer expires on Jun 30, 2026

Early birds get more points! Get 65% bonus Marriott Bonvoy® points when you transfer Ultimate Rewards points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 15, 2026. When the early bird offer ends, get 55% bonus Marriott Bonvoy points when you transfer Ultimate Rewards points between 12:00 AM ET on May 16, 2026 and 11:59 PM ET on June 30, 2026. Bonus points will be awarded by Marriott Bonvoy in your Marriott Bonvoy account up to 7 days after your transfer is complete.

Chase just ran a transfer bonus to Marriott Bonvoy, which ended on February 28, 2026, for 50%. This is unquestionably better, but it doesn’t change the math much on how I’d view this transfer bonus:

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 transfer partners. Also keep in mind this transfer can take up to 48 hours.

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Get a 20% transfer bonus when you transfer Chase Ultimate Rewards to Air France Flying Blue.

Ends May 27, 2026
Offer expires on May 27, 2026

Get 20% Bonus Flying Blue Miles when you transfer Ultimate Rewards® points between 12:00 AM ET on May 1, 2026 and 11:59 PM ET on May 27, 2026.

Bonus Miles will be awarded by Flying Blue in your Flying Blue account after your transfer is complete. Promotional offer terms and conditions apply.

Chase’s last transfer bonus to Flying Blue ended last September, and there was one from Amex in October of 2025, but this is the first transfer bonus from any issuer to Flying Blue in 2026.

Flying Blue rates are variable, so run a search before transferring. When you get lucky, business class from the US to Europe can run as low as 60,000 Flying Blue miles (up from 50,000 previously). But that would be just 48,000 credit card points during this promotion! Of course you can also get even luckier during an Air France monthly promo award sale.

Flying Blue is often the best way to book Virgin Atlantic Upper Class from the US to Europe and beyond, due to the lowest taxes of any way to book Virgin Atlantic, however with Virgin’s new dynamic pricing you really have to compare the pricing on both programs as it can now be cheaper with Virgin in some cases. Flying Blue can also book Delta, KLM, and other SkyTeam members when Saver award space is available.

If you have lots of points across various programs, no need to speculatively transfer due to the number of overall transfer bonuses each year.

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Bonus points for spend in the following bonus categories:

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

3x
Airfare
Estimated Rewards Value: 5.25%

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

3x
Transit
Estimated Rewards Value: 5.25%

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

3x
Car Rentals
Estimated Rewards Value: 5.25%

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

3x
Cellular Phone Service
Estimated Rewards Value: 5.25%

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

3x
Hotels
Estimated Rewards Value: 5.25%

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

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

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

3x
Shipping
Estimated Rewards Value: 5.25%

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

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

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

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

Pros

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

Cons

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

The Sapphire Reserve, Sapphire Preferred, 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: 17.74%-26.74% (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: May 17, 2026
Intro bonus:
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American Express is an Advertising Partner

American Express® Gold Card

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(4.48) 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:

☝ Increased Offer

You may be eligible for as high as 100,000 Membership Rewards® Points after spending $8,000 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. Find out your offer. Terms apply.

Get a 20% transfer bonus when you transfer American Express Membership Rewards to Hilton Honors.

Offer expires on May 30, 2026

Get 20% more Hilton Honors Points when you transfer Membership Rewards® points through 5/30/2026. 3,000,000 point maximum transfer.

The normal transfer ratio is 1:2, so this bonus gets you 2,400 Hilton Honors points when you transfer 1,000 American Express points.

The last transfer bonus from Amex to Hilton expired in September of 2025, so it’s been a while. That one was for 25%.

Historically, which we can see in our master list of past transfer bonuses from Amex to Hilton, the offers tend to range from 25% -40% (with 40% being somewhat rare).

Obviously it’s been more attractive at 25%, 30% or 40%, but it could be worth considering for some with a redemption in mind, especially using the 5th night free on awards if you have Silver Elite status or higher as that increases your value both by giving the 5th night free and because resort fees and room tax are waived on award stays.

We value an Amex point at 1.7 cents and a Hilton point at 0.5 cents and while those values are an average, with a 5th night free award you can definitely do well transferring 1,000 Amex points for 2,400 Hilton Honors points. Our advice is to run some sample searches for potential redemptions to see the value you’re likely to get before transferring. Note that following devaluations last year, Standard Reward night rates can be as high as 250,000 points / night.

Keep in mind that if you have any Free Reward Night Certificates (valid on any Standard Reward night) which can be earned with a Hilton Honors American Express Aspire Card (each anniversary year and after $30,000 and also after $60,000 spent in a calendar year) or the Hilton Honors American Express Surpass® Card (earned after $15,000 spent in a calendar year), you can add before or after a 5th night free award for a longer stay.

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Bonus points for spend in the following bonus categories:

4X Membership Rewards points per dollar spent on U.S. Supermarkets* (up to $25,000 a year; 1X thereafter)

4x
Supermarkets
Estimated Rewards Value: 6.8%

At restaurants worldwide (up to $50,000 a year; 1X thereafter)

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

Booked directly with the airline or via AmexTravel.com

3x
Airfare
Estimated Rewards Value: 5.1%

5X Membership Rewards® points only on prepaid hotels booked through AmexTravel.com or Amex Travel App™

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

2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.

1x-2x
Car Rentals
Estimated Rewards Value: 1.7%

2X Membership Rewards® points only on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.

1x-2x
Cruises
Estimated Rewards Value: 1.7%
1x
All Other Eligible Purchases
Estimated Rewards Value: 1.7%
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 more
  • You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
  • Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
  • Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
  • New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
  • Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
  • Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
  • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
  • Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You'll know upfront exactly how much you'll pay.
  • Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
  • $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment required.
  • $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
  • New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
  • Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
  • Book your travel through the Amex Travel App with added peace of mind - backed by American Express® service and support. Only for American Express® Card Members.
  • 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.
  • No Foreign Transaction Fees.
  • Annual Fee is $325.
  • Terms Apply.

Pros

  • For a pure combination of spending on dining, groceries, and airfare, the American Express Gold card is unmatched
  • Although the annual fee seems high, you can actually come out ahead by using available monthly statement credits
  • Earns valuable American Express Membership rewards points and card membership includes the highly regarded American Express customer service

Cons

  • The annual fee of $325, despite the statement credits that can offset it, is steep for some
  • Bonus categories are limited to just three
  • Car rental CDW coverage is secondary to your own auto insurance
Annual Fee: $325
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.  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.

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: May 17, 2026
Intro bonus:
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Annual Fee:
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