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Best Credit Cards for Transfer Points of 2025

Review Updated
Joel O'Leary
Author: Joel O'Leary
Joel O'Leary
Joel O'Leary
Full-Time Personal Finance Writer

Joel is a full-time Personal Finance Writer at Motley Fool Money, where he brings a clear, approachable voice to topics ranging from credit cards to side hustles. He’s been writing about money since 2018, covering topics like credit cards, savings hacks, and the FIRE movement. Before joining the team, he managed editorial content for the How To Money podcast. When he’s not behind the laptop, Joel is likely at the beach surfing, or out and about with his family.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

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.

Top picks at a glance

If you're looking for a card that makes it easy to earn and transfer points, these two options are some of the best in the game:

  • Best for simple, flexible transfers: Capital One Venture Rewards Credit Card (see rates and fees)
    Earn 2X miles on every purchase and transfer to 15+ airline and hotel partners. It's one of the easiest ways to rack up transferable rewards fast -- without juggling bonus categories or spending rules.
  • Best for transfer beginners: Chase Sapphire Preferred® Card (see rates and fees)
    Get access to 1:1 point transfers to major partners like Hyatt, United, and Southwest. It's an ideal starter card if you're just getting into points and miles, with great value and low commitment.

Best credit cards for transfer points

Ratings Methodology

Best for simple, flexible rewards: Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Apply Now for Capital One Venture Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture Rewards Credit Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Capital One Venture Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Bonus offer

Earn 75,000 miles when you spend $4,000 in 3 months — that’s $750 toward travel with one of our top-rated cards!

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 2X miles on every purchase. Earn unlimited 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel.

2X-5X miles

Annual Fee

$95

Welcome Offer Circle with letter I in it. 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening

75,000 Miles

  • This is one of our favorite credit cards — period. The huge 75,000-mile bonus (worth $750 toward travel) is one of the highest we’ve seen for a card with just a $95 annual fee. We love the dead-simple yet lucrative rewards structure: unlimited 2X miles on every purchase you make, plus 5X on hotels and rental cars booked through Capital One Travel, and up to a $120 credit for Global Entry or TSA PreCheck®.

    Miles are easier to redeem than most travel cards with options like statement credits, travel bookings, or point transfers. Add it all up and it’s easy to see why this is one of the best (and most popular) travel cards available today.

    • Excellent sign-up bonus
    • Unlimited miles on purchases
    • Travel credit
    • Multiple ways to use miles
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Low cash back redemption value
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
    • Transfer your miles to your choice of 15+ travel loyalty programs

Who it's best for: Travelers who want steady rewards on everything they buy and the flexibility to transfer or get statement credits.

Why we picked it: The Capital One Venture Rewards Credit Card (see rates and fees) earns 2X miles on every purchase, making it one of the simplest ways to build up transferable rewards fast. You can transfer to 15+ airline partners, or just use miles to cover travel purchases (this is what I mostly use my Venture card for). It's a great hybrid option for people who want the upside of point transfers without sacrificing ease of use. This card also offers great welcome bonus offers for new cardholders.

Best for premium simplicity: Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit Card

Apply Now for Capital One Venture X Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Capital One Venture X Rewards Credit Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Capital One Venture X Rewards Credit Card

On Capital One's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 29.24% (Variable)

Rewards Circle with letter I in it. Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel. Earn unlimited 2X miles on all other purchases.

2X-10X miles

Annual Fee

$395

Welcome Offer Circle with letter I in it. 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening

75,000 Miles

  • If you want premium travel perks that easily justify their cost, this card delivers. You’ll get a $300 annual credit for bookings through Capital One Travel, plus 10,000 bonus miles every account anniversary (worth $100 toward travel) — perks that already offset the $395 annual fee.

    Add a 75,000-mile welcome bonus (worth $750 toward travel), unlimited 2X miles on everyday purchases, airport lounge access, and Global Entry/TSA PreCheck® credits, and you’ve got one of the strongest premium travel cards available today.

    Read Full Review
    • Big travel rewards bonus
    • High rewards rate
    • Travel credits
    • Easy-to-use miles
    • Annual fee
    • Other card issuers have more valuable travel rewards
    • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
    • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
    • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
    • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
    • Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
    • Receive up to a $120 credit for Global Entry or TSA PreCheck®

Who it's best for: High spenders who want premium benefits and easy, flat-rate rewards that can be transferred or used for travel credits.

Why we picked it: Capital One Venture X Rewards Credit Card (see rates and fees) is the upgraded version of the Capital One Venture Rewards Credit Card, but it layers in premium perks like lounge access and a $300 annual travel credit. You still get access to 15+ airline partners, plus anniversary bonus miles that help offset the annual fee. The interface and redemption process are streamlined, making this card a rare combo of luxury and ease. It's ideal for people who want a "set it and forget it" approach to building transferable rewards.

Best for beginner travel rewards: Chase Sapphire Preferred® Card

Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Preferred® Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.24% Variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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 Review
    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • 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
    • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
    • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Member FDIC

Who 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.

Best for luxury travelers: The Platinum Card® from American Express

The Platinum Card® from American Express

Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

The Platinum Card® from American Express
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent
Apply Now for The Platinum Card® from American Express

On American Express' Secure Website.

Terms apply

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

See Pay Over Time APR

Rewards Circle with letter I in it. 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 Circle with letter I in it. 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 Review
    • Big welcome offer
    • Substantial spending credits
    • Airport lounge access
    • Hotel benefits
    • Flexible travel points
    • Annual fee
    • Limited bonus categories
    • Spending credits can be complicated to manage
    • You may be eligible for as high as 175,000 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 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®.
    • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
    • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
    • Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
    • A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
    • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your 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.
    • $200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
    • $199 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card®.
    • Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
    • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
    • Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
    • $695 annual fee.
    • Terms Apply.

Who 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

Best for power travelers: Chase Sapphire Reserve®

Chase Sapphire Reserve®

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

Chase Sapphire Reserve®
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.74% Variable

Rewards Circle with letter I in it. 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 Circle with letter I in it. Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 bonus points

  • 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 Review
    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
    • Get more than $2,700 in annual value with Sapphire Reserve.
    • 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
    • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
    • Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
    • Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
    • Member FDIC

Who 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.

Best for road warriors: Citi Strata Premier® Card

Citi Strata Premier® Card

Apply Now for Citi Strata Premier® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata Premier® Card
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata Premier® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.24% - 28.24% (Variable)

Rewards Circle with letter I in it. • 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 Circle with letter I in it. 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.

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Redemption options
    • 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.
    • 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
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

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:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

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:

  • ​​High value through rewards or 0% intro APR offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

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.

How to choose the best credit card for transferring points

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:

  • Where you're going: Airlines and hotels operate in specific regions, so your destination matters. Even with global alliances, some point programs just won't get you where you want to go. And when it comes to hotels, some brands simply won't have a property nearby.
  • How you like to travel: Are you a budget flyer or a luxury lover? Some programs are packed with economy deals, while others shine when you're booking lie-flat seats or five-star stays.
  • When you're traveling: Award availability can disappear fast during peak seasons. On top of that, issuers often run limited-time transfer bonuses that make certain partners a better deal for a short window.

Ready to start transferring points? Check out all of our top-rated travel credit cards here, and start earning today!

FAQs

  • 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:

    • Chase → Hyatt: Often gets you outsized value, especially at mid-tier and luxury hotels.
    • Amex → ANA: A go-to for booking roundtrip business class flights to Asia at shockingly low point levels.
    • Citi → Turkish Airlines: Great for booking domestic United flights at lower costs than United itself charges.
      Capital One → Air Canada Aeroplan: Solid value for international Star Alliance flights, especially in business class.

    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.