Top 10+ Transferable Points Program Credit Card Offers

This page contains the best publicly available credit card offers. With some of the offers shown below (the one’s with a credit card image), I’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, I always show the better offer even if it means no commissions for me. For additional details, see our Advertiser Disclosure.

Below you will find transferable point credit card offers sorted from best to worst based on an estimate of first year value.  Transferable points are points that can be transferred to airline and/or hotel loyalty programs, usually 1 to 1.  For details about each of the popular transferable points programs and which cards are needed to unlock the ability to transfer points, please see: A quick guide to transferable points programs.

Calculations

First year values are calculated as: estimated first year value minus estimated first year costs. First year value includes signup bonus points and statement credits. First year costs include the first year annual fee and the opportunity cost of meeting minimum spend requirements.

Please note that valuable perks such as free checked bags, companion passes, airport lounge access, etc. are not included in these calculations.

Full details of how first year value is calculated can be found here: Credit card signup bonus estimation details.

Top 10+ Transferable Point Program Credit Card Offers

If you’re interested in seeing more than the top 10 offers, simply click “Next” at the bottom of the page, or use the drop down selector at the top to show more than 10 items.

Card / NotesBonus / Annual FeeFirst Year Value Estimate (with notes)
Chase Ink Business Preferred Card Chase Ink Business Preferred Card
-> Click here for application tips

Earning rate: 3X travel, shipping, internet, cable, phone, and advertising with social media sites (up to $150K spend per year)

Noteworthy Perks:
- Points worth 25% more when redeemed for travel
- Cell phone protection against theft or damage

See also: How to sign up for Chase Ink cards
80K after $5K spend in 3 months

$95 annual fee



This card is known to be subject to Chase's 5/24 rule.


FM Mini Review: Great card for 3X categories. Also consider Chase Ink Cash for its 5X categories
$1302
Chase Sapphire Preferred℠ Card Chase Sapphire Preferred℠ Card
Earning rate: 2X Travel and Dining

Noteworthy Perks: Primary auto rental collision damage waiver

See also: Transferable points programs
55K: 50K after $4K spend in 3 months + 5K for adding authorized user

Annual fee waived first year, then $95

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Excellent all-around card for frequent traveler, but note that for many, the Sapphire Reserve may be a better choice.
$954
The Enhanced Business Platinum® Card from American Express The Enhanced Business Platinum® Card from American Express
Earning rate: 5X flights and prepaid hotels at Amex Travel; 1.5X points per dollar on purchases of $5000 or more; 1X elsewhere

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-10 complimentary single flight segment passes for Gogo inflight internet each calendar year
-50% Pay with Points rebate for selected airline, and for business or first class with any airline

Terms & Conditions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
Up to 75K: 50K after $10K spend + 25K after addtiional $10K spend in 3 months.

$450 annual fee

Recent better offer: 150K after $20K Spend (Targeted)

FM Mini Review: The Business Platiinum card offers better benefits than other Amex Platinum cards thanks to the 50% Pay with Points rebate and Gogo In-Flight Wifi
$859

(Airline fee reimbursement valued at 90% of face value)
The Business Gold Rewards Card from American Express OPEN The Business Gold Rewards Card from American Express OPEN
Earning rate:
Earn 3X on one of your choice, 2X on rest.

3X choices:
-Airfare purchased directly from airlines
-U.S. purchases for advertising in select media
-U.S. purchases at gas stations
-U.S. purchases for shipping
-U.S. computer hardware, software, and cloud computing purchases made directly from select providers

3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Terms and limitations apply. See Rates & Fees
50K after $5K spend in 3 months.

Note: You may be eligible for a bigger signup offer. Call Amex to ask.


Annual fee waived first year, then $175

Recent better offer: 75K after $5K spend, targeted -- call to ask for offer. (last reported 2/25/16)
$851
Chase Sapphire Reserve Card Chase Sapphire Reserve Card
-> Click here for application tips

Earning rate: 3X Travel and Dining

Noteworthy Perks:
* $300 Annual Travel Credit
* Points worth 1.5 cents each towards travel
* Primary auto rental collision damage waiver
* Priority Pass Select lounge access
* $100 Global Entry fee credit

See also: Sapphire Reserve Complete Guide
50K after $4K spend in 3 months

$450 annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

Recent better offer: 100K after $4K spend in 3 months, last seen 3/11/2017 in-branch

FM Mini Review: Excellent all-around card for frequent traveler. Best when paired with no-fee Chase Freedom, no-fee Freedom Unlimited & no-fee Chase Ink Cash
$728

(Travel reimbursement valued at 90% of face value)
The Platinum Card® from American Express Exclusively for Morgan Stanley The Platinum Card® from American Express Exclusively for Morgan Stanley
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel. 5X prepaid hotels booked with American Express Travel

Noteworthy Perks:
-1 Free Platinum card authorized user
-Airport lounge access
-$200 airline credit
-$200 annual Uber credit ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement
-Free Boingo wi-fi
-Hotel & Rental car elite status
-Free Gold card AUs

Terms & Restrictions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Note: According to Amex: Clients must have an eligible Morgan Stanley brokerage account to apply.

Recent better offer: None.

FM Mini Review: In my opinion, this is the best of the consumer Amex Platinum cards when you need two cards thanks to Morgan Stanley offering one free authorized user
$663

(Airline fee reimbursement valued at 90% of face value)
The Platinum Card® from American Express Exclusively for Mercedes-Benz The Platinum Card® from American Express Exclusively for Mercedes-Benz
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X prepaid hotel bookings at Amextravel.com; 5X for Mercedes Benz purchases.

Big spend bonus: Receive a $1000 certificate each year you charge $5,000 in purchases, good toward the future purchase or lease of a new Mercedes-Benz

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$200 Uber credit annually ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-Free Gold card AUs

Terms & Restrictions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Recent better offer: 75K after $3K spend. (Ended 6/22/16)
$663

(Statement credit valued at 90% face value)
The Platinum Card® from American Express The Platinum Card® from American Express
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked through American Express Travel

Noteworthy Perks:
-$200 Airline Fee Credit. Up to $200 a year in baggage fees and more at one airline.;
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton HHonors Gold status.
-Free Boingo wifi
-Free Gold card AUs.

Terms & Conditions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Recent better offer: 100K after $3K spend direct link (last reported 5/10/16)
$663

(Airline fee reimbursement valued at 90% of face value)
American Express Platinum Card® for Schwab American Express Platinum Card® for Schwab
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked through American Express Travel

Noteworthy Perks:
-Airport lounge access
-$200 airline credit
-$100 Global Entry fee reimbursement
-$200 Uber credit annually ($15/month, $35 in Dec
-Free Boingo wi-fi
-Free Gold card AUs
-Hotel & Rental car elite status
-Use Membership Rewards® points for deposits by Schwab to your eligible brokerage account. (For example, 10,000 points = $125)
-$100 credit with Schwab holdings of $250,000+ or $200 credit with holdings of $1,000,000+ on approval & each year.

Terms & Restrictions Apply. See Rates & Fees

See also: Maximizing value from Amex Platinum Cards
60K after $5K spend in 3 months

$550 annual fee

Card is only available to clients that maintain an eligible Schwab brokerage account.

Recent better offer: None.
$663

(Airline fee reimbursement valued at 90% of face value)
Premier Rewards Gold Card from American Express Premier Rewards Gold Card from American Express
Earning rate: 3X points for flights booked with airlines, 2X points at US gas stations, US supermarkets & US restaurants, 1X points on other purchases.

Terms and limitations apply. See Rates & Fees

Noteworthy Perks:
-Up to $100 a year in statement credits for airline incidental fees.

- Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, if available with The Hotel Collection at americanexpress.com/hc
25K after $2K spend in 3 months

Annual fee waived first year, then $195

Recent better offer: 50K after $1K spend targeted via CardMatch Tool (last reported 2/11/16)
$521

(Airline fee reimbursement valued at 90% of face value)
Citi ThankYou® Premier Card Citi ThankYou® Premier Card
Earning rate: 3X travel and gas; 2X dining and entertainment

Noteworthy Perks: With this card, ThankYou points become worth 1.25 cents each towards travel; or transfer points to airline partners
30K after $3K spend in 3 months

Annual fee waived first year, then $95

Recent better offer: 50K after $3K spend (Last reported 1/2016)

FM Mini Review: Very strong earnings for spend.
$511
Chase Ink Cash® Business Credit Card Chase Ink Cash® Business Credit Card
-> Click here for application tips

Earning rate: 5X office supplies, 5X cellular/landline/cable; 2X gas and restaurants

See also: How to sign up for Chase Ink cards
30K after $3K spend in 3 months

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

You may also be able to get the 30K bonus by applying in-branch. More info here.

FM Mini Review: Great card for 5X categories. Excellent companion card to Sapphire Reserve!
$511
Starwood Preferred Guest® Credit Card from American Express Starwood Preferred Guest® Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties and unlimited Boingo Wifi.
25K after $3K spend in 3 months.

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $5K spend expired 4/5/2017

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
$492
Starwood Preferred Guest® Business Credit Card from American Express Starwood Preferred Guest® Business Credit Card from American Express
Earning rate: 2X Starwood and Marriott Properties

Big spend bonus: SPG Gold elite status with $30K annual spend

Noteworthy Perks: Transfer 20,000 points into miles and get a 5000 mile bonus.

Receive free premium internet at SPG properties, unlimited Boingo WiFi and Sheraton Club lounge access on qualified stays.
25K after $5K spend in 3 months.

Annual fee waived first year, then $95

Terms Apply. See Rates & Fees

Recent better offer: 35K after $8K spend expired 4/5/2017

FM Mini Review: Extremely valuable points, but difficult to earn in large quantities except through signup bonus
$474
Citi ThankYou® Prestige Card Citi ThankYou® Prestige Card
Earning rate: 3X airfare, hotels, and travel agencies; 2X dining and entertainment

Noteworthy Perks:
-$250 air travel credit (including airfare) per calendar year
-Free lounge access: Citi Properietary Lounges;, and Priority Pass Select with free guests
-$100 Global Entry application fee credit
-Free golf benefit
-Use points for 1.33 cents value for any flight; or 1.6 cents per point value on American Airlines; or transfer to airline partners
-4th night free hotel benefit

NOTE: Reduce annual fee to $350 by signing up in-branch or by opening CitiGold Checking

See also: Click here to learn about negative changes coming in July 2017
40K after $4K spend in 3 months


$450 annual fee

You may need to open the application in private/incognito mode to get it to work.

Recent better offer: 50K after $3K spend (Last reported 8/2016)

FM Mini Review: Excellent combination of perks and rewards for spend. $250 per year airline credit makes the annual fee reasonable.
$456

(Flight statement credit estimated at 90% of face value)
The Blue for Business® Credit Card from American Express The Blue for Business® Credit Card from American Express

Noteworthy Perks:
-30% annual relationship bonus

-Terms apply. See Rates & Fees

Note: Points earned with this card are not transferable to airline miles unless you also have a premium Membership Rewards card.
25K: 10K after first purchase plus 15K after $5K spend in 6 months

No annual fee

Recent better offer: Expired 2/22/17 -- 10K points after first purchase + 10X points at U.S. restaurants the first six months (up to $2K in spend) + 2X on all purchases the first year (up to $50K in spend)
$455
The Gold Card from American Express <br />
for Ameriprise Financial The Gold Card from American Express
for Ameriprise Financial

Earning rate: 2X points for Flights booked directly with airlines and at U.S. Restaurants

Noteworthy Perks:
-No foreign transaction fees.
-$75 hotel credit on 2+ night stays with the Hotel Collection

Terms & Restrictions Apply. See Rates & Fees
25K after $1K spend in 3 months.

Annual fee waived first year, then $160
$443
Citi Business ThankYou Card Citi Business ThankYou Card
Earning rate: 3X rotating quarterly categories

Noteworthy Perks: Anniversary bonus on base earnings each membership year. (1% in year 1, 2% in year 2 and 3% in year 3 and beyond.)
20K after $2K spend in 3 months


No annual fee

This card is available in-branch only and is not available online. The bonus may vary by region and can be as high as 40K.
$329
Chase Freedom® Unlimited Chase Freedom® Unlimited
Earning rate: 1.5X on all purchases.

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great to earn 1.5X Ultimate Rewards in categories with no bonuses. Excellent companion card to Sapphire Reserve!
$317
Chase Freedom® Chase Freedom®
Earning rate: 5X in rotating categories

See also: Transferable points programs
17.5K: 15K after $500 spend in 3 months + 2.5K for adding authorized user

No annual fee

Note: This card is known to be subject to Chase's 5/24 rule.

FM Mini Review: Great for 5X categories. Excellent companion card to Sapphire Reserve!
$313
Platinum Card® from American Express for Ameriprise Financial Platinum Card® from American Express for Ameriprise Financial
Earning rate: 5X points for flights booked directly with airlines or with American Express Travel; 5X points for prepaid hotels booked with American Express Travel

Big spend bonus: 5K bonus points for every $20K spend, up to 30K bonus points annually

Noteworthy Perks:
-Up to $200 a year in statement credits for airline incidental fees;
-$200 Uber credit annually ($15/month, $35 in Dec)
-$100 Global Entry fee reimbursement.
-Airport lounge benefits.
-Rental car elite status.
-SPG Gold status.
-Hilton Gold status
-Free Boingo wifi.
-Free Gold card AUs

Terms & Restrictions Apply. See Rates & Fees
Add up to 3 authorized cardholders for free first year, then $175 (total) per year.

Annual fee waived first year, then $550

Recent better offer: 25K after $3K spend (expired 6/30/15)

FM Mini Review: First year with no fee makes this card worth considering for almost everyone.
$180

(Airline fee reimbursement valued at 90% of face value)
The Amex EveryDay® Credit Card from American Express The Amex EveryDay® Credit Card from American Express
Click here for more details about how to possibly get a better offer

Earning rate: 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x);

Noteworthy Perks: Make 20 or more purchases in a billing period and get 20% more points

Points transferrable to many airline programs (unusual feature for no-fee card)

Terms apply. See Rates & Fees

See also: Amex's powerful new EveryDay cards
10K after $1K spend in 3 months

No annual fee

Recent better offer: 25K after $2K spend (Last reported 3/2016)

FM Mini Review: Great choice for keeping Membership Rewards points alive if you choose to cancel other Membership Rewards earning cards.
$170
The Morgan Stanley Credit Card from American Express The Morgan Stanley Credit Card from American Express
Earning rate: 2X U.S. Restaurants; 2X select U.S. Department Stores; 2X Car Rentals Purchased Directly from Select Car Rental Companies; 2X Airfare Purchased Directly from Airlines

Big spend bonus: $100 after $25K card membership year spend

Noteworthy Perks: Invest with rewards (1 point = 1 cent)

Points transferrable to many airline programs (unusual feature for no-fee card)
10K after $1K spend in 3 months

No annual fee

Note: According to Amex: Clients must have an eligible Morgan Stanley brokerage account to apply.

Recent better offer: None.
$170
The Amex EveryDay® Preferred Credit Card from American Express The Amex EveryDay® Preferred Credit Card from American Express
Click here for more details about how to possibly get a better offer

Earning rate: 3x points at US supermarkets on up to $6,000 per year in purchases (then 1x); 2x points at US gas stations; 1x points on other purchases.

Noteworthy Perks: Earn 50% more points: Use your Card 30 or more times on purchases in a billing period and get 50% more points on those purchases less returns and credits. Terms apply. See Rates & Fees

See also: Amex's powerful new EveryDay cards
15K after $1K spend in 3 months

$95 annual fee

Recent better offer: 2/11/16: 30K after $2K spend (targeted via CardMatch Tool)

FM Mini Review: Thanks to the 50% bonus on points earned, this is, in my opinion, one of the strongest mile-earning cards available.
$166

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