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A buddy of mine just transferred 10,000 Chase Ultimate Rewards® points to Hyatt -- a 1:1 transfer, nothing fancy. But here's the kicker: he scored a hotel room that usually goes for over $300 a night. Total cost? Just 10,000 points. That's a redemption value of more than $0.03 per point -- triple the usual.
This is where point transfers shine. If you've got the right credit card and know where to look, you can squeeze way more value out of your rewards, sometimes two or three times more than the baseline.
Not every card makes this easy. Some offer way better travel partners, better flexibility, or more built-in perks that help you unlock these kinds of wins.
If you're ready to start turning points into serious travel value, here are the best cards for transferring points in 2025.
If you're looking for a card that makes it easy to earn and transfer points, this is one of the best in the game:
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.99% - 28.24% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
5x on Chase Travel℠, 3x on dining, 2x on all other travel
Annual Fee
$95
Welcome Offer Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 bonus points
This card easily justifies the (very reasonable) annual fee with benefits that deliver real value. Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months, which we estimate is worth at least $750 in Chase Travel℠ value. Plus, enjoy bonus travel and dining rewards, a $50 annual hotel credit, and 10% anniversary points boost. With added travel protections like rental car insurance and trip reimbursement, we think this card is a game-changer for any traveler.
Read Full ReviewWho it's best for: First-time points collectors and casual travelers who want great value without a high annual fee.
Why we picked it: The Chase Sapphire Preferred® Card (see rates and fees) is one of the easiest entry points into the world of point transfers. It gives you 1:1 transfers to top airline and hotel programs like United, Southwest, and Hyatt. Chase also regularly has promotions for transferring points (eg. a 50% boost for transfers to Marriott Bonvoy) so it pays to check limited time offers in the Chase Travel portal. All in all, this is a low-risk, high-reward travel card that helps you get comfortable transferring points.
On American Express' Secure Website.
Terms apply
On American Express' Secure Website.
Terms apply
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
APR
See Pay Over Time APR
Rewards 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®. 1X Membership Rewards® Points on other purchases. Terms apply.
1X-5X Membership Rewards® Points
Annual Fee
$695
Welcome Offer You may be eligible for as high as 175,000 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.
As High As 175,000 points. Find Out Your Offer.
This luxury travel card has some of the most prestigious perks you'll find — access to over 1,400 airport lounges, elite status with Hilton and Marriott Bonvoy (enrollment required), and spending credits worth over $1,500 in value every year. Just be ready for the hefty annual fee, which can be offset in the first year with a welcome offer. Terms apply.
Read Full ReviewWho it's best for: Frequent flyers and premium travel fans who want the full suite of luxury perks and elite airline access.
Why we picked it: The Amex Platinum Card unlocks access to a broad network of transfer partners (mostly airlines), giving you plenty of options to fly business or first class for fewer points. Amex points are some of the most versatile in the game, especially with international airlines like Air France, Singapore Airlines, and Qantas. You'll also earn 5X points on flights booked directly with airlines or with American Express Travel® up to $500,000 on these purchases per calendar year and 5X points on prepaid hotels booked with American Express Travel®, helping you build a massive balance quickly. It's not cheap, at $695 annually (see rates and fees), but if you use the lounge access, statement credits, and transfer perks, the value easily stacks up for frequent travelers.
Read our full guide on earning and using American Express Membership Rewards
Earn 100,000 points + a $500 Chase Travel℠ credit when you spend $5,000 in 3 months — this is Sapphire Reserve’s best-ever bonus!
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.74% Variable
Rewards Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
8x points on Chase Travel℠, 4x points on flights and hotels booked direct, 3x points on dining, 1x points on all other purchases
Annual Fee
$795
Welcome Offer Earn 100,000 bonus points + $500 Chase Travel℠ promo credit after you spend $5,000 on purchases in the first 3 months from account opening.
100,000 bonus points + $500 Chase Travel℠ promo credit
All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth up to 2x if you book through Chase Travel℠. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost.
Read Full ReviewWho it's best for: Big spenders and seasoned travelers who want premium perks and the highest possible annual value from their Chase points.
Why we picked it: The Chase Sapphire Reserve® (see rates and fees) is the "older cousin" to the Chase Sapphire Preferred® Card, with the same 1:1 transfer partners. But the Chase Sapphire Reserve® earns a much higher point rate for travel spending and includes over $2,700 in annual benefits value. Fair warning, the fee is incredibly high, even for a luxury card, so make sure you closely review all the perks and credits to make sure they match your lifestyle.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.24% - 28.24% (Variable)
Rewards • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. • Earn 1 Point per $1 spent on all other purchases
1x - 10x points
Annual Fee
$95
Welcome Offer Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
60,000 ThankYou® Points
Citi Strata Premier offers a unique combination of bonus categories we don't see on many travel cards. It earns 3X points on travel and everyday-type categories, including supermarkets and gas/EV charging. You can also earn a welcome bonus worth $600. That combination of rewards is an excellent value for a relatively low annual fee. Plus, if you run into any problems on a trip, its complimentary travel protections (including coverage for trip delays, trip cancellations and interruptions, and lost/damaged luggage) could save the day.
Who it's best for: People who spend heavily on travel, gas, and dining -- and want access to unique international airline partners.
Why we picked it: The Citi Strata Premier® Card earns 10X points on hotels, car rentals, and attractions booked on CitiTravel.com, and 3X points on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations, making it easy to pile up rewards quickly if you're on the road a lot. Citi's ThankYou Points program includes lesser-known but valuable transfer partners like Turkish Airlines and Avianca, which offer incredible redemption deals. It's especially powerful if you like to hunt for sweet spots or fly international carriers.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates and 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.
Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.
If you're new, Chase Ultimate Rewards is usually the best points ecosystem to start with. Amex and Capital One offer broader partner options, while Citi shines in specific sweet-spot redemptions.
There's no one-size-fits-all answer here. The best points transfer card for you depends on a few things, like:
Ready to start transferring points? Check out all of our top-rated travel credit cards here, and start earning today!
Some of the best transfer deals come from pairing the right card with the right partner at the right time. A few standout examples include:
Keep an eye out for limited-time transfer bonuses, too. These promos can boost your points by 20%-50% when moving them to specific partners. You'll find them in your credit card portal or mobile app!
Some transfers are instant (like Chase to Hyatt or United), while others can take a day or two. Always check transfer timelines before booking.
Within the same rewards program, yes. So for example, if you have multiple Chase credit cards you can easily combine and pool points.
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For rates and fees for the The Platinum Card® from American Express, click here
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