16 cards · live data

Best travel credit cards.

The right card pays for a business-class flight in a single welcome bonus. We track live offers, annual fees, and transfer partners so you always see the latest deals.

Amex

5 cards

Membership Rewards points transfer to 20+ airline and hotel partners.

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
$895

Earning Rates

5x Flights booked direct
5x Prepaid hotel bookings

Key Benefits

  • Airline Fee Credit ($200)
  • Hotel Credit ($600)
  • Resy Dining Credit ($400)

Transfer Partners (20)

Aer Lingus Aeromexico Air Canada Air France/KLM ANA Avianca +14 more
Learn More & Apply
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 within the first six months of card membership

Spend $8,000 in 6 months

Annual Fee
$325

Earning Rates

4x Restaurants
4x U.S. supermarkets
3x Flights booked direct

Key Benefits

  • Dining Statement Credit ($120)
  • Uber Cash ($120)
  • Hertz Five Star Status

Transfer Partners (20)

Aer Lingus Aeromexico Air Canada Air France/KLM ANA Avianca +14 more
Learn More & Apply
Personal

American Express Green Card

Welcome Bonus

Earn 40,000 Membership Rewards® Points after you spend $3,000 in eligible purchases on your American Express Green Card® within the first 6 months of Card Membership

Spend $3,000 in 6 months

Annual Fee
$150

Earning Rates

3x restaurants
3x travel
3x transit

Key Benefits

  • CLEAR+ Credit ($219)

Transfer Partners (20)

Aer Lingus Aeromexico Air Canada Air France/KLM ANA Avianca +14 more
Learn More & Apply
Business

Business Gold Card

Welcome Bonus

Standard offer not available; reported offer is as high as 200,000 Membership Rewards points.

Annual Fee
$375

Earning Rates

4x Top 2 Eligible Categories Each Month
3x Flights & Pre-Paid Hotels
1x All Other Eligible Purchases

Key Benefits

  • FedEx Credit ($240)
  • ChatGPT Business Subscription Credit ($300)
  • Squarespace Credit ($150)

Transfer Partners (20)

Aer Lingus Aeromexico Air Canada Air France/KLM ANA Avianca +14 more
Learn More & Apply
Business

Business Platinum Card

Welcome Bonus

Annual Fee
$895

Earning Rates

5x flights
5x prepaid hotels
2x key business purchases

Key Benefits

  • Hotel Credit ($600)
  • Global Lounge Collection ($850)
  • Hilton Credit ($200)

Transfer Partners (20)

Aer Lingus Aeromexico Air Canada Air France/KLM ANA Avianca +14 more
Learn More & Apply

Bilt

2 cards

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

Popular Personal

Bilt Palladium Card

Welcome Bonus

Earn 50,000 Bilt Rewards points after spending $5,000 in the first 3 months.

Spend $5,000 in 3 months

Annual Fee
$0 Free 1st year

Earning Rates

3x restaurants
2x travel
1x other purchases

Key Benefits

  • Cell Phone Protection ($600)
  • Bilt Rewards

Transfer Partners (25)

Aer Lingus Air Canada Air France/KLM Alaska Airlines American Airlines Avianca +19 more
Learn More & Apply
Personal

Bilt Blue Card

Welcome Bonus

Earn 10,000 points after spending $1,000 in the first 3 months.

Spend $1,000 in 3 months

Annual Fee
$0 Free 1st year

Earning Rates

3x restaurants
3x travel
1x utilities

Key Benefits

  • No foreign transaction fees
  • Bilt Rewards

Transfer Partners (25)

Aer Lingus Air Canada Air France/KLM Alaska Airlines American Airlines Avianca +19 more
Learn More & Apply

Capital One

2 cards

Simple 2× earning on everything with 22 transfer partners.

Popular Personal

Capital One Venture Rewards

Welcome Bonus

Earn 100,000 bonus miles once you spend $10,000 on purchases within the first 3 months from account opening

Spend $10,000 in 3 months

Annual Fee
$95

Earning Rates

2x All purchases

Key Benefits

  • Travel Credit ($50)
  • Advertising/Software Credit ($50)
  • Global Entry/TSA PreCheck Credit ($120)

Transfer Partners (22)

Aeromexico Air Canada Air France/KLM Avianca British Airways Cathay Pacific +16 more
Learn More & Apply
Personal

Capital One Venture X Rewards

Welcome Bonus

Earn 75,000 bonus miles after you spend $4,000 on purchases in the first 3 months from account opening.

Spend $4,000 in 3 months

Annual Fee
$395

Earning Rates

10x Hotels
10x Rental Cars
5x Flights

Key Benefits

  • Annual Capital One Travel Credit ($300)
  • Global Entry or TSA PreCheck Application Fee Statement Credit ($120)
  • Complimentary PRIOR Subscription ($149)

Transfer Partners (22)

Aeromexico Air Canada Air France/KLM Avianca British Airways Cathay Pacific +16 more
Learn More & Apply

Chase

7 cards

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

Popular Personal

Chase Sapphire Preferred

Welcome Bonus

Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening

Spend $5,000 in 3 months

Annual Fee
$95

Earning Rates

5x Chase Travel bookings
3x Vacation home rentals
3x Gas and EV charging

Key Benefits

  • Chase Travel Hotel Credit ($100)
  • Global Entry/TSA PreCheck Credit ($120)
  • DashPass Membership ($120)

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Personal

Chase Freedom Flex

Welcome Bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Spend $500 in 3 months

Annual Fee
$0

Earning Rates

5x bonus categories
5x travel
3x dining

Key Benefits

  • DashPass Membership
  • 2% Cash Back on Lyft ($10)

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Personal

Chase Freedom Unlimited

Welcome Bonus

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

Spend $500 in 3 months

Annual Fee
$0 Free 1st year

Earning Rates

3x dining
3x drugstores
5x travel

Key Benefits

  • Trip Cancellation and Interruption Insurance ($6000)
  • Zero Liability Protection
  • Purchase Protection ($500)

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Personal

Chase Sapphire Reserve

Welcome Bonus

Earn 100,000 bonus points after spending $6,000 on purchases in the first three months from account opening

Spend $6,000 in 3 months

Annual Fee
$795

Earning Rates

8x Chase Travel bookings
4x Flights and hotels direct
3x Dining

Key Benefits

  • Annual Travel Credit ($300)
  • The Edit Hotel Credit ($500)
  • Dining Credit ($300)

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Business

Ink Business Cash

Welcome Bonus

Earn $750 cash back after you spend $8,000 on purchases in the first 4 months after account opening.

Spend $8,000 in 4 months

Annual Fee
$0 Free 1st year

Earning Rates

5x business essentials
2x dining and gas
1x other purchases

Key Benefits

  • Instacart+ Membership ($99)
  • Instacart monthly credit ($240)

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Business

Ink Business Preferred

Welcome Bonus

Earn 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening

Spend $8,000 in 3 months

Annual Fee
$95

Earning Rates

3x Business travel and select categories

Key Benefits

  • Trip Delay Reimbursement
  • Cell Phone Protection
  • Transfer Partners

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply
Business

Ink Business Unlimited

Welcome Bonus

Annual Fee
$0

Transfer Partners (14)

Aer Lingus Air Canada Air France/KLM British Airways Iberia JetBlue +8 more
Learn More & Apply

Which cards transfer where?

Cross-reference of credit-card points to airline and hotel programs.

Loyalty program Amex Bilt Capital One Chase
ANA
Accor Live Limitless
Aer Lingus
Aeromexico
Air Canada
Air France/KLM
Alaska Airlines
American Airlines
Avianca
British Airways
Cathay Pacific
Choice Privileges
Delta Air Lines
EVA Air
Emirates
Etihad Airways
Finnair
Hilton Honors
I Prefer
IHG One Rewards
Iberia
Japan Airlines
JetBlue
Marriott Bonvoy
Qantas
Qatar Airways
Singapore Airlines
Southwest Airlines
Spirit Airlines
TAP Air Portugal
Turkish Airlines
United Airlines
Virgin Atlantic
Virgin Red
World of Hyatt
Wyndham Rewards

Frequently asked questions.

Which credit card is best for earning airline miles?
Depends on which airlines you fly. The Amex Gold ($325/yr) gets 4× on dining and groceries with 14+ airline transfer partners. The Chase Sapphire Preferred ($95/yr) is the best budget option with 3× on dining plus United and Southwest access. The Capital One Venture X ($395/yr) has the most partners (22) with flat 2× on everything.
Should I get an Amex or Chase card first?
Start with Chase. The 5/24 rule means Chase won't approve you after you've opened 5+ new cards in 24 months. Amex has no such rule, so you can always grab them later. Get the Chase cards while you're under 5/24.
Are welcome bonuses worth the annual fee?
Almost always yes. A 75,000-point welcome bonus is worth $1,500+ when transferred for business class. Even $95 cards offer 15–20× the fee in bonus value. Higher-fee cards ($395–$895) offset costs with statement credits and perks.
Can I have cards from multiple issuers?
Yes. There's no restriction across issuers. Many award travelers hold Amex + Chase + Capital One to access every transfer-partner network — gives you maximum flexibility when booking awards.
What's the best no-annual-fee travel card?
The Bilt Blue Card ($0/yr) is unique — earn points on rent and mortgage with 11 airline partners. The Chase Freedom Unlimited ($0/yr) earns 1.5× on everything and pools points with a Sapphire card for transfers.
How do credit card transfer partners work?
Flexible programs (Amex MR, Chase UR, Capital One, Bilt, Citi TY) let you transfer points to airline and hotel loyalty programs, usually 1:1. 50,000 Chase points become 50,000 Hyatt points or 50,000 United miles. Most transfers are instant.

Ready to earn points?

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

Welcome bonus offers and annual fees are updated automatically and may change. Credit card approval is 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.