12 Cards | Live Data

Best Travel Credit Cards for Points & Miles

Compare welcome bonuses, earning rates, and transfer partners — updated automatically via our card data API

The right credit card can help you earn enough points for a business class flight in a single welcome bonus. We track live bonus offers and annual fees so you always see the latest deals.

Amex

5 cards

Membership Rewards points transfer to 14+ airline and hotel partners

Popular Personal

American Express Gold Card

Welcome Bonus

Find out your offer and see if you are eligible for as high as 100,000 bonus points after spending $8,000 on purchases in the first six months of card membership

Spend $8,000 in 6 months

Annual Fee
$3

Earning Rates

4x 4X points at restaurants worldwide
4x 4X points at US supermarkets (first $25,000 per year, then 1X)
1x 1X points on other purchases

Key Benefits

  • Uber/UberEats credit (1)
  • Dining credit
  • Dunkin credit (0)

Transfer Partners (14)

British Airways Virgin Atlantic Air France/KLM Emirates Singapore Airlines ANA +8 more
Learn More & Apply
Popular Personal

The Platinum Card

Welcome Bonus

Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $12,000 on purchases in the first six months of card membership

Spend $12,000 in 6 months

Annual Fee
$8

Earning Rates

5x 5X points on flights purchased directly from airlines or Amex Travel (up to $500,000 per year)
5x 5X points on prepaid hotels booked on AmexTravel.com
1x 1X points on all other purchases

Key Benefits

  • Hotel credit (6)
  • Resy credit (4)
  • Digital entertainment credit (3)

Transfer Partners (14)

British Airways Virgin Atlantic Air France/KLM Emirates Singapore Airlines ANA +8 more
Learn More & Apply
Personal

American Express Green Card

Welcome Bonus

40,000 Membership Rewards points

Spend $3,000 in 6 months

Annual Fee
$1

Earning Rates

3x Earn 3X Membership Rewards® points on travel
3x Earn 3X Membership Rewards® points on restaurants, including takeout and delivery
1x Earn 1X Membership Rewards® points on all other purchases

Key Benefits

  • Earn 3X Membership Rewards points (0)
  • No Foreign Transaction Fees (0)
  • Travel insurance (0)

Transfer Partners (14)

British Airways Virgin Atlantic Air France/KLM Emirates Singapore Airlines ANA +8 more
Learn More & Apply
Business

Business Platinum Card

Welcome Bonus

null

Annual Fee
$8

Earning Rates

5x Earn 5X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com.
2x Earn 2X points on eligible purchases in key business categories, or on purchases of $5K or more.
1x Earn 1X points on other eligible purchases.

Key Benefits

  • $300 ChatGPT Business Credit (3)
  • Up to $600 Hotel Credit (6)
  • $550 in Value with Fine Hotels + Resorts® (5)

Transfer Partners (14)

British Airways Virgin Atlantic Air France/KLM Emirates Singapore Airlines ANA +8 more
Learn More & Apply
Business

Business Gold Card

Welcome Bonus

No standard welcome offer available (targeted offer only).

Annual Fee
$3

Earning Rates

4x Earn 4X points on the 2 categories where your business spends the most.
3x Earn 3X points on flights and pre-paid hotels booked on AmexTravel.com.
1x Earn 1X point on all other eligible purchases.

Key Benefits

  • Flexible Business Credit (2)
  • ChatGPT Business Credit (3)
  • Squarespace Credit (1)

Transfer Partners (14)

British Airways Virgin Atlantic Air France/KLM Emirates Singapore Airlines ANA +8 more
Learn More & Apply

Chase

3 cards

Ultimate Rewards points with 1:1 Hyatt transfer — the best hotel redemption in points

Popular Personal

Chase Sapphire Preferred

Welcome Bonus

Earn 75,000 bonus points after spending $5,000 on purchases in the first three months from account opening

Spend $5,000 in 3 months

Annual Fee
$0

Earning Rates

2x 2X on travel
3x 3X on dining

Key Benefits

  • $50 annual hotel credit (0)
  • DashPass membership (0)

Transfer Partners (10)

United Southwest British Airways Air France/KLM Emirates Singapore Airlines +4 more
Learn More & Apply
Popular Personal

Chase Sapphire Reserve

Welcome Bonus

Earn 150,000 bonus points after spending $6,000 on purchases in the first three months from account opening

Spend $6,000 in 3 months

Annual Fee
$7

Earning Rates

8x 8X points on all purchases through Chase Travel
4x 4X points on flights and hotels booked directly
3x 3X points on dining worldwide

Key Benefits

  • Annual travel credit (3)
  • Hotel credit for The Edit (5)
  • Dining credits via Sapphire Reserve Exclusive Tables (3)

Transfer Partners (10)

United Southwest British Airways Air France/KLM Emirates Singapore Airlines +4 more
Learn More & Apply
Business

Ink Business Preferred

Welcome Bonus

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months after account opening.

Spend $8,000 in 3 months

Annual Fee
$0

Earning Rates

3x Earn 3 points per $1 on shipping purchases.
3x Earn 3 points per $1 on advertising purchases made with social media sites and search engines.
3x Earn 3 points per $1 on internet, cable, and phone services.

Key Benefits

  • Complimentary DashPass access (1)

Transfer Partners (10)

United Southwest British Airways Air France/KLM Emirates Singapore Airlines +4 more
Learn More & Apply

Capital One

2 cards

Simple 2x earning on everything with 22 transfer partners

Popular Personal

Capital One Venture X Rewards

Welcome Bonus

Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening

Spend $4,000 in 3 months

Annual Fee
$3

Earning Rates

2x 2X miles on every purchase
10x 10X miles on hotels and rental cars booked through Capital One Travel
5x 5X miles on flights booked through Capital One Travel

Key Benefits

  • Annual travel credit (3)
  • Anniversary bonus (1)
  • Priority Pass lounge access

Transfer Partners (12)

Air France/KLM British Airways Cathay Pacific Emirates Etihad EVA Air +6 more
Learn More & Apply
Personal

Capital One Venture Rewards

Welcome Bonus

Earn up to 150,000 bonus miles: 75,000 bonus miles after spending $7,500 in first 3 months, plus 75,000 bonus miles after spending $30,000 in first 6 months

Spend $7,500 in 3 months

Annual Fee
$0

Earning Rates

5x 5X on hotels, rental cars, vacation rentals through Capital One Business Travel
2x 2X on all other purchases

Key Benefits

  • Travel credit (3)

Transfer Partners (12)

Air France/KLM British Airways Cathay Pacific Emirates Etihad EVA Air +6 more
Learn More & Apply

Bilt

2 cards

The only cards that let you earn points on rent and mortgage payments

Personal

Bilt Blue Card

Welcome Bonus

$100 Bilt Cash on approval

Annual Fee
$0

Earning Rates

1x 1x on all purchases
1.25x 1.25x on rent & mortgage

Key Benefits

  • Pay rent with no fee
  • No foreign transaction fees
  • Cell phone protection

Transfer Partners (11)

American Airlines United Air France/KLM British Airways Cathay Pacific Emirates +5 more
Learn More & Apply
Personal

Bilt Palladium Card

Welcome Bonus

Earn 50,000 bonus Bilt Points and Gold elite status after spending $4,000 on non-housing purchases in the first 90 days from account opening

Spend $4,000 in 3 months

Annual Fee
$4

Earning Rates

2x 2X points per dollar on everyday purchases
3x 3X points on dining or grocery purchases (up to $25,000/year)
2x 2X points on travel

Key Benefits

  • Annual Bilt Cash (3)
  • Hotel credits (12)
  • Priority Pass access

Transfer Partners (11)

American Airlines United Air France/KLM British Airways Cathay Pacific Emirates +5 more
Learn More & Apply

Which Cards Transfer Where?

See which credit card points transfer to your favorite airline program

Airline Program Amex Chase Capital One Bilt
ANA
Aeroplan
Air France/KLM
American Airlines
Avianca
British Airways
Cathay Pacific
Delta
EVA Air
Emirates
Etihad
Iberia
JetBlue
Qantas
Singapore Airlines
Southwest
Turkish Airlines
United
Virgin Atlantic

Frequently Asked Questions

Which credit card is best for earning airline miles?
It depends on which airlines you fly. The Amex Gold ($325/yr) offers 4x on dining and groceries with 14+ airline transfer partners. The Chase Sapphire Preferred ($95/yr) is the best budget option with 3x on dining and access to United and Southwest. The Capital One Venture X ($395/yr) has the most partners (22) with simple 2x on everything.
Should I get an Amex or Chase card first?
Start with Chase. Chase has the 5/24 rule — they won't approve you if you've opened 5+ new cards in 24 months. Amex has no such restriction, so you can always get Amex cards later. Get your Chase cards while you're under 5/24.
Are welcome bonuses worth the annual fee?
Almost always yes. A 75,000-point welcome bonus can be worth $1,500+ when transferred to airline partners for business class flights. Even cards with $95 annual fees offer bonuses worth 15-20x the fee. Cards with higher fees ($395-$895) offset costs with statement credits and perks.
Can I have cards from multiple issuers?
Yes — there's no restriction on holding cards from different issuers. Many award travel enthusiasts hold cards from Amex, Chase, and Capital One to access all transfer partner networks. This gives you maximum flexibility when booking award flights.
What's the best no-annual-fee travel card?
The Bilt Blue Card ($0/yr) is unique — it lets you earn points on rent and mortgage payments with no fee, and points transfer to 11 airline partners. The Chase Freedom Unlimited ($0/yr) earns 1.5x on everything and can pool points with a Sapphire card for transfers.
How do credit card transfer partners work?
Flexible points programs (Amex, Chase, Capital One, Bilt) let you transfer points to airline and hotel loyalty programs, usually at a 1:1 ratio. For example, 50,000 Chase points become 50,000 Hyatt points or 50,000 United miles. Transfers are instant or take a few minutes.

Ready to Earn Points?

Search award flight availability to see where your points can take you

* Welcome bonus offers and annual fees are updated automatically and may change. Credit card approval subject to eligibility. Terms and conditions apply. Some links on this page are affiliate links — we may earn a commission if you apply and are approved, at no extra cost to you.