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, we’ll earn a commission if you click through and are approved for the card. That said, if a better public offer is available, we always show the better offer even if it means no commissions for us. For additional details, see our Advertiser Disclosure. Advertiser partners include American Express, Barclays, Capital One, and CardRatings.com

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 Offer
150K points after $8K spend in 6 months. Terms apply.
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 150K after $6k spend (referral only, expired 10/23)
Earn a one-time bonus of 150K miles after $30K spend in the first 3 months
$395 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 3/31/23: 250K Miles after $50K in spend.
150K points after $15K spend in the first 3 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Alternate Offer: Targeted online offer of 170K points after $15K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
130K points after $10K spend in 3 months. Terms apply. (Rates & Fees)
$375 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: (Expired 2/1/24) 130K referral offer after $10K in spend
5 x 50K Free Night Certificates ⓘ Friend-Referral
Earn five 50K free night certifcates after $5K spend in 3 months
$95 Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 5 x 50K free night certificates after $5K in spend (expired 1/9/24)
Limited Time Offer: Earn 5 Free Night Awards - Valued at up to 50K points each, up to 250K points total. ⓘ Affiliate
Earn five 50k free night certificates after $8K spend in the first 6 months. Redemption level up to 50,000 Marriott Bonvoy(R) points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy(R). Certain hotels have resort fees. Terms apply. (Rates & Fees)
(Offer Expires 3/20/2024)
$125 Annual Fee
Recent better offer: None. this is the best that we've seen.
100K after $8K spend in 3 months
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 80K after $5K spend. Many preferred the 80K offer due to the much lower spend requirement
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
90K Points + 20% back up to $50 ⓘ Friend-Referral
90K points after $6K in purchases in the first 6 months + 20% back on restaurant purchases worldwide for the first 3 months up to $50 back. Terms apply. (Rates & Fees)
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $4K in the first 6 months + 20% back at restaurants for the first 12 months up to $250 back [Expired 6/8/22]
75K Miles + up to $200 in statement credits ⓘ Non-Affiliate
Earn 75,000 bonus miles after $4K spend in 3 months + up to $200 in statement credits when you make an Avelo purchase in your first year + priority boarding on Avelo flights for the first year. (Rates & Fees)
$95 Annual Fee
Alternate Offer: Airport Kiosk offer of 80K miles after $4K spend in the first 3 months See this post for details.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
75K after $6K spend in 3 months
No Annual Fee
Alternate Offer: If you have a household member with an Ink card, you may prefer the referral offer whereby the referrer can earn 40,000 points and the new account holder can earn 75,000 points after $6,000 in purchases in the first 3 months since it will yield more total points.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 90K after $6K spend in 6 monthd (expired 1/17/24
Limited Time Offer - 185K Points ⓘ Affiliate
185k points after $6K spend within the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 5/1/2024)
$650 Annual Fee
Recent better offer: None. this is the best that we've seen.
75K Miles ⓘ Affiliate
75k miles after $4k spend within first 3 months. (Rates & Fees)
$395 Annual Fee
Recent better offer: Expired 3/14/22: 100K after $10K spend in 6 months + $200 credit for vacation rental spend in first year
Limited Time Offer - 155K Points ⓘ Affiliate
155K points after $5K spend in the first 6 months. Terms apply. (Rates & Fees)
(Offer Expires 5/1/2024)
$250 Annual Fee
Recent better offer: None. this is the best that we've seen.
80kK after $6K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 125K points after 6k spend [Expired 11/8/23]
80K after $8K spend in first 6 months. Terms apply. (Rates & Fees)
$695 Annual Fee
This card is only available to clients that maintain an eligible Schwab brokerage account.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 100K points + 10x when you Shop Small in the US & at restaurants worldwide [Expired 1/20/22]
60K after $4K spend in 3 months
$95 Annual Fee
Alternate Offer: There may be elevated offers available by applying in-branch
A similar offer with the first year annual fee waived may be found in-branch. YMMV.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
50K Miles ⓘ Affiliate
Earn a one-time 50K miles bonus when you spend $4,500 in the first 3 months. (Rates & Fees)
$0 introductory annual fee for the first year, then $95
60K Points ⓘ Affiliate
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
$95 Annual Fee
50K after $4,500 spend in 3 months from account opening
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
65K after $4K spend in 3 months
$550 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Expired 12/1/22: 80K after $4K spend
40K after $3K spend in first 6 months. Terms apply. See Rates & Fees
$150 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 60K after $3K spend in first 6 months + 20% off travel and transit purchases for first 6 months. [Expired 8/21/23]
85K points after $4K spend in 3 months
$250 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
This card is likely subject to Chase's 5/24 rule (click here for details).
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: Unlimited Double Cash Back for 12 month (expired 1/11/24)
20K points + 5% on gas and groceries for a year ⓘ Friend-Referral
Earn 20,000 points (worth $200 cash back) after spending $500 in the first 3 months + 5% cash back on combined gas station and grocery store purchases (not including Target or Walmart) on up to $12,000 spent in the first year.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
20K points ⓘ Affiliate
$200 cash back after spending $1.5K in first six months. Note: $200 is awarded as 20,000 Citi ThankYou points.
No Annual Fee
20K miles ⓘ Affiliate
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening. (Rates & Fees)
No Annual Fee
20K Points ⓘ Affiliate
20K points after $1500 spend in the first 6 months
No Annual Fee
Recent better offer: Expired 9/13/22 - 20,000 points after $750 spend in first 3 months
20K points ⓘ Affiliate
20K points after $1.5K spend in 3 months
No Annual Fee
15K points + 0% APR for 12 months ⓘ Affiliate
15k points after $3k spend within the first 3 months + 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. (Rates & Fees)
No Annual Fee
30K points after $1K in the first 3 months. Terms apply.
No Annual Fee
This card is subject to Chase's 5/24 rule (click here for details).
Recent better offer: 50K points after $1K in the first 3 months and 50K points after 6 eligible paid nights at Bonvoy hotels. (expired 8/9/23)
10K after $1K spend in 3 months. Terms apply.
No Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
15K after $1K spend in 3 months. Terms apply.
$95 Annual Fee
Alternate Offer: Some people click through and find that they are targeted for an offer of 30K points after $2K spend in 3 months.
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Recent better offer: 30K after $2K in first 3 months
15K points after $3K spend in first 3 months. Terms & limitations apply.
$95 Annual Fee
Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
There is no official welcome bonus, but this card offers the opportunity to earn 1x points on rent when you make at least 5 transactions per billing cycle. Terms apply.
No Annual Fee
Note that some people see a targeted offer in the Bilt Rewards app to earn 5x points for the first 5 days after being approved and receiving and activating the card. This is not guaranteed, but rather is targeted. Select 'Click Here to Apply' to learn more about the product features, terms and conditions.