If you’re serious about traveling more for less, a great place to start is by earning transferable points or miles — such as Chase Ultimate Rewards®, Capital One Miles, Bilt Rewards, Citi ThankYou Points and AmEx Membership Rewards. Credit cards that earn these rewards allow you to transfer them to a list of partner airlines or hotel programs, often at a 1:1 ratio.
Occasionally, credit card issuers and their travel partners offer transfer bonuses, allowing you to get even more value from your points. For example, if your points transfer to an airline at a 1:1 ratio, and that airline is offering a 25% transfer bonus, transferring 100,000 points to that airline would net you 125,000 airline miles. That means you can transfer fewer miles to book the same award flight.
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Current credit card transfer bonuses
A summary of current transfer bonuses offered by the major transferable point programs includes:
| Transfer from | Transfer to | Transfer bonus | Start date | End date |
|---|---|---|---|---|
| Chase Ultimate Rewards® | Marriott Bonvoy | 55% | May 16, 2026 | June 30, 2026 |
| Chase Ultimate Rewards® | Virgin Atlantic Flying Club | 30% | June 9, 2026 | July 14, 2026 |
| Citi ThankYou Rewards | Qatar Privilege Club Avios | 30% | June 1, 2026 | June 30, 2026 |
| Citi ThankYou Rewards | ALL Accor | 50% | June 14, 2026 | July 18, 2026 |
| Rove Miles | Turkish Airlines Miles&Smiles | 50% | June 1, 2026 | June 30, 2026 |
| AmEx Membership Rewards | Marriott Bonvoy | 20% | June 1, 2026 | June 30, 2026 |
| AmEx Membership Rewards | Air France-KLM Flying Blue | 25% | June 2, 2026 | June 30, 2026 |
| AmEx Membership Rewards | Avianca LifeMiles | 15% | June 15, 2026 | July 15, 2026 |
| Bilt | Hilton Honors | 50-200% | July 1, 2026 | July 1, 2026 |
When should you transfer points?
You should generally only transfer rewards to airline and hotel partners if you have a specific redemption in mind. Once the rewards are transferred, it can’t be undone. Those rewards are subject to the restrictions of the individual loyalty program, which may include expiration dates or loyalty program devaluations. If you decide to take advantage of a transfer bonus without immediate travel plans, be sure to understand those restrictions before you transfer.
Using an award search tool like PointsYeah can help you find redemption options for the transferable points you’re trying to redeem. You can even filter results to only include transferable points with a current transfer bonus.
Transfer bonus history by issuer
American Express
American Express Membership Rewards can be transferred to 16 airlines and three hotels.
Full list of AmEx transfer partners
Airlines
- Aer Lingus AerClub (1:1 ratio).
- AeroMexico Club Premier (1:1.6 ratio).
- Air Canada Aeroplan (1:1 ratio).
- Air France/KLM Flying Blue (1:1 ratio).
- ANA Mileage Club (1:1 ratio).
- Avianca LifeMiles (1:1 ratio).
- British Airways Club (1:1 ratio).
- Cathay Pacific Asia Miles (5:4 ratio)
- Delta SkyMiles (1:1 ratio).
- Emirates Skywards (1:0.8 ratio).
- Etihad Guest (1:1 ratio; partnership ending June 30, 2026).
- Iberia Plus (1:1 ratio).
- JetBlue TrueBlue (2.5:2 ratio).
- Qantas Airways Frequent Flyer (1:1 ratio).
- Singapore Airlines KrisFlyer (1:1 ratio).
- Virgin Atlantic Flying Club (1:1 ratio).
Hotels
- Choice Hotels (1:1 ratio).
- Hilton Hotels & Resorts (1:2 ratio).
- Marriott Hotels & Resorts (1:1 ratio).
For details on transfer ratios, see AmEx's website.
AmEx has more airline and hotel partners than Chase, Citi and Capital One. In addition, AmEx has typically offered more transfer bonuses than these other programs.
AmEx transfer bonus history
| AmEx transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus Aer Club | • July 2025: 30% • August 2023: 30% • September 2022: 25% • September 2021: 40% • October 2019: 40% |
| Aeromexico Club Premier | • April 2025: 20% • September 2022: 20% • September 2021: 25% • February 2019: 25% • November 2018: 25% |
| Air Canada Aeroplan | • September 2022: 15% • September 2021: 20% • December 2019: 10-20% • May 2019: 10-20% • November 2018: 10-20% • December 2017: 10-20% |
| Air France-KLM Flying Blue | • October 2025: 20% • September 2023: 25% • May 2023: 25% • November 2022: 25% • September 2022: 25% • September 2021: 25% • December 2020: 30% • November 2019: 25% • April 2019: 25% • June 2018: 25% |
| Avianca LifeMiles | • March 2026: 15% • November 2025: 15% • July 2025: 15% • February 2025: 15% • December 2024: 15% • March 2024: 15% • December 2023: 15% • August 2023: 15% • May 2023: 15% • November 2022: 15% • September 2022: 15% • September 2021: 15% • May 2021: 15% • December 2020: 15% • October 2019: 10-15% • April 2019: 15% |
| British Airways Executive Club | • July 2025: 30% • September 2024: 30% • August 2023: 30% • September 2022: 25% • May 2022: 40% • September 2021: 40% • October 2019: 40% • August 2019: 40-50% • November 2018: 40% • September 2017: 40% |
| Cathay Pacific Asia Miles | • March 2024: 10% • August 2022: 20% • December 2020: 25% • January 2020: 10% • March 2019: 10-30% • September 2018: 10-30% |
| Choice Privileges | • October 2022: 25% |
| Emirates Skywards | • November 2018: 25% |
| Etihad Guest | • April 2025: 20% • April 2024: 20% • July 2022: 20% |
| Hawaiian Airlines HawaiianMiles | • January 2023: 20% • September 2022: 20% • March 2022: 20% • September 2021: 25% • June 2021: 25% • June 2018: 25% • June 2017: 25% |
| Hilton Honors | • May 2026: 20% • June 2025: up to 25% • February 2025: 25% • December 2023: 30% • August 2023: 25% • September 2022: 30% • March 2022: 30% • September 2021: 30% • June 2021: 40% • January 2021: 40% • October 2020: 40% • December 2019: 50% |
| Iberia Plus | • July 2025: 30% • August 2023: 30% • September 2021: 40% • October 2019: 40% • November 2018: 40% |
| JetBlue TrueBlue | • May 2026: 10% • December 2024: 25% • November 2023: 25% • December 2019: 25% • June 2019: 40% • October 2018: 25% • March 2018: 10-30% • November 2017: 25% • May 2017: 25% |
| Marriott Bonvoy | • November 2025: 30% • July 2025: 20% • December 2024: 35% • November 2023: 20% • September 2022: 20% • May 2022: 25% • September 2021: 30% • June 2021: 40% • December 2020: 30% • October 2020: 40% • February 2020: 30% • June 2019: 40-50% |
| Qantas Frequent Flyer | • September 2022: 20% • December 2021: 20% • September 2021: 20% • February 2020: 20% • June 2019: 20% |
| Qatar Airways Privilege Club | • March 2025: 20% • December 2023: 10% |
| Singapore KrisFlyer | • December 2021: 20% |
| Virgin Atlantic Flying Club | • December 2025: 40% • December 2024: 40% • May 2024: 30% • December 2023: 30% • June 2023: 30% • September 2022: 30% • March 2022: 30% • December 2021: 30% • September 2021: 30% • December 2019: 30% • July 2019: 30% • December 2018: 30% • November 2018: 10-30% • September 2018: 30% • November 2017: 30% • May 2017: 30% • May 2016: 30% • April 2015: 25% |
You’ll need a card that earns AmEx Membership Rewards to take advantage of an AmEx transfer bonus. Here are some of our favorites.
Cards that earn AmEx Membership Rewards
Annual fee
$895.
$325.
$895.
$0.
Rewards
• 5 points per $1 on flights booked directly with airlines or through American Express, on up to $500,000 spent per year.
• 5 points per $1 on prepaid hotels booked through American Express.
• 1 point per $1 on other eligible purchases.
Terms apply.
• 5 points per $1 on prepaid hotels and other eligible purchases made through American Express' travel portal.
• 4 points per $1 at restaurants worldwide (on up to $50,000 in purchases per year).
• 4 points per $1 at U.S. supermarkets (on up to $25,000 in purchases per year).
• 3 points per $1 on flights booked directly with airlines or through American Express' travel portal.
• 1 point per $1 on other eligible purchases.
Terms apply.
• 5 points per $1 on flights and prepaid hotels at AmexTravel.com.
• 2 points per $1 in key business categories and eligible purchases of $5,000 or more (on up to $2,000,000 in purchases per year).
• 1 point per $1 on other eligible purchases.
Terms apply.
• 2 points per $1 on the first $50,000 in purchases each calendar year.
• 1 point per $1 on purchases above $50,000 in a calendar year.
Terms apply.
Welcome offer
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $12,000 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. Terms apply.
You may be eligible for as high as 100,000 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. Terms Apply.
You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Terms apply.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms Apply.
Learn more
Chase
Chase Ultimate Rewards® points can be transferred to 10 airlines and four hotels.
Full list of Chase transfer partners
Airlines
- Aer Lingus (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- British Airways (1:1 ratio).
- Iberia (1:1 ratio).
- JetBlue (1:1 ratio).
- Singapore (1:1 ratio).
- Southwest (1:1 ratio).
- United (1:1 ratio).
- Virgin Atlantic (1:1 ratio).
Hotels
- Hyatt (1:1 or 4:3 ratio; varies by card).
- IHG (1:1 ratio).
- Marriott (1:1 ratio).
- Wyndham (1:1 ratio).
Chase transfer bonus history
| Chase transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus | • March 2026: 20% • October 2025: 30% • March 2025: 20% • September 2023: 30% • September 2021: 30% |
| Air Canada Aeroplan | • April 2026: 20% • January 2026: 25% • July 2025: 20% • January 2025: 20% • January 2024: 20% • July 2023: 20% • December 2022: 30% |
| Air France-KLM Flying Blue | • May 2026: 20% • May 2025: 25% • January 2025: 20% • April 2024: 25% • November 2023: 25% • May 2023: 15% • May 2022: 25% |
| British Airways Executive Club | • March 2026: 20% • October 2025: 30% • March 2025: 20% • February 2025: 20% • September 2023: 30% • July 2022: 30% • September 2021: 30% • December 2020: 30% • June 2019: 30% |
| Iberia Plus | • March 2026: 20% • October 2025: 30% • March 2025: 20% • September 2023: 30% • September 2021: 30% |
| IHG One Rewards | • April 2026: 70% • January 2026: 70% • October 2025: 80% • September 2025: 100% • April 2025: 80% • February 2024: 60% • July 2023: 70% • August 2022: 50% • December 2020: 30% • August 2020: 60% |
| JetBlue TrueBlue | • January 2024: 25% |
| Marriott Bonvoy | • May 2026: 65% • February 2026: 50% • August 2025: 50% • June 2025: 65% • March 2025: 50% • September 2023: 50% • May 2023: 50% • March 2023: 50% • November 2022: 40% • August 2022: 50% • November 2021: 50% • July 2021: 50% |
| Southwest | • June 2026: 30% • November 2025: 25% • October 2020: 20% |
| Virgin Atlantic | • February 2026: 40% • December 2025: 30% • June 2025: 25% • February 2025: 30% • March 2024: 30% • November 2023: 30% • June 2023: 30% • October 2022: 30% |
| Wyndham Rewards | • March 2026: 30% |
You’ll need a card that earns Chase Ultimate Rewards® points to take advantage of a Chase transfer bonus. Here are a few of our favorites.
Cards that earn Chase Ultimate Rewards®
Annual fee
$95.
$795.
$0.
$0.
Rewards
• 5x points on all Chase Travel℠ purchases (exclusions apply).
• 5x on Lyft rides and Peloton equipment (for a limited time; terms apply).
• 3x points on dining, takeout and eligible delivery worldwide.
• 3x points for online grocery purchases (exclusions apply).
• 3x points for vacation homes booked through platforms like Airbnb and Vrbo.
• 3x points on gas and EV charging.
• 3x points on some streaming services.
• 2x points on all other travel.
• 1x point on all other purchases.
• 8 points per $1 spent on all travel booked through Chase.
• 4 points per $1 spent on bookings directly through an airline or hotel.
• 3 points per $1 spent on dining, takeout and eligible delivery worldwide.
• 1 point per $1 spent on all other purchases.
• 5% cash back on travel purchased through Chase, 3% cash back at drugstores and restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
Point value in the travel portal: 1 cent apiece.
• 5% cash back on up to $1,500 in combined purchases in quarterly categories. Activation required.
Point value in Chase travel portal: 1 cent apiece.
New cardholder bonus offer
Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Learn more
» Learn more: What Is the 'Chase Trifecta'?
Citi
Citi ThankYou is partnered with 15 airlines and five hotels.
Full list of Citi transfer partners
Transfer ratios will vary depending on which card you have.
Airlines
- Aeromexico (1:1 or 1:0.7 ratio).
- American Airlines (1:1 or 1:0.7 ratio).
- Air France/KLM (1:1 or 1:0.7 ratio).
- Asia Miles (1:1 or 1:0.7 ratio).
- Avianca (1:1 or 1:0.7 ratio).
- Emirates (1:0.8 or 1:0.56 ratio).
- Etihad (1:1 or 1:0.7 ratio).
- Eva Air (1:1 or 1:0.7 ratio).
- JetBlue (1:1 or 1:0.7 ratio).
- Qantas (1:1 or 1:0.7 ratio).
- Qatar Airways (1:1 or 1:0.7 ratio).
- Singapore Airlines (1:1 or 1:0.7 ratio).
- Thai Airways (1:1 or 1:0.7 ratio).
- Turkish Airlines (1:1 or 1:0.7 ratio).
- Virgin Atlantic (1:1 or 1:0.7 ratio).
Hotels
- Accor Live Limitless (2:1 or 2:0.7 ratio).
- Choice Hotels (1:1.5 or 1:1.05 ratio).
- The Leading Hotels of the World (5:1 or 5:0.7 ratio).
- Preferred Hotels & Resorts (1:2 or 1:1.4 ratio).
- Wyndham (1:1 or 1:0.7 ratio).
Events
- Virgin Red (1:1 or 1:0.7 ratio).
Citi transfer bonus history
| Citi transfer partner | Bonus end date and bonus percentage |
|---|---|
| Accor Live Limitless | • July 2025: 50% • May 2024: 50% • November 2023: 50% |
| Air France-KLM Flying Blue | • July 2025: 20% • June 2023: 25% • May 2022: 25% • April 2021: 25% • July 2019: 25% • August 2018: 30% |
| Avianca LifeMiles | • April 2026: 25% • October 2025: 25% • April 2025: 25% • April 2024: 25% • November 2023: 25% • June 2023: 25% • March 2023: 10-20% • August 2022: 25 • April 2022: 25% • August 2021: 25% • February 2021: 25% • July 2020: 25% • July 2019: 25% • December 2018: 25% |
| Cathay Pacific Asia Miles | • March 2024: 10% • July 2023: 15% • November 2022: 10-15% • January 2020: 15% • July 2018: 15% • September 2017: 20% |
| Etihad Guest | • July 2017: 10% |
| JetBlue TrueBlue | • May 2019: 30% • May 2018: 30% • October 2017: 25% • April 2017: 50% |
| Leading Hotels of the World | • May 2026: 25% • August 2025: 25% |
| Preferred Hotels & Resorts I Prefer | • June 2026: 30% |
| Qantas Frequent Flyer | • November 2025: 20% |
| Qatar Airways Privilege Club | • October 2025: up to 40% • May 2025: 30% • February 2025: 20% • November 2023: 25-30% • June 2023: 30% • November 2022: 20-30% • June 2022: 20-40% • November 2021: 20% |
| Turkish Airlines Miles & Smiles | • October 2025: 50% • February 2019: 25% |
| Virgin Atlantic Flying Club | • April 2026: 30% • October 2025: 30% • May 2025: 30% • March 2024: 30% • September 2023: 30% • March 2023: 30% • June 2019: 30% • October 2018: 30% • March 2017: 25% • April 2016: 25% • August 2015: 25% |
| Wyndham Rewards | • June 2026: 30% • March 2026: 25% • June 2025: 25% • September 2023: 20% |
If you want to take advantage of Citi’s transfer partners, you’ll need to get a credit card from Citi that earns ThankYou points. Unfortunately, not all ThankYou point earning cards give you access to all the transfer partners, and the ratio you can transfer points at differs depending on the card you hold.
That's especially true when it comes to American Airlines, one of Citi's most valuable transfer partners. If you want to be able to transfer ThankYou points to AAdvantage miles, make sure you have an eligible card.
For example, a card like the Citi Strata Premier® Card ($95 annual fee) will grant you access to all the transfer partners. In addition, holders this card unlocks access to more favorable transfer ratios for certain transfer partners.
Capital One
Capital One has 18 airlines and four hotel transfer partners.
Full list of Capital One transfer partners
Airlines
- Aeromexico (1:1 ratio).
- Air Canada (1:1 ratio).
- Air France-KLM (1:1 ratio).
- Avianca (1:1 ratio).
- British Airways (1:1 ratio).
- Cathay Pacific (1:1 ratio).
- Emirates (1:1 ratio).
- Etihad (1:1 ratio).
- EVA (2:1.5 ratio).
- Finnair (1:1 ratio).
- Japan Airlines (2:1.5 ratio).
- JetBlue (5:3 ratio).
- Qantas (1:1 ratio).
- Qatar Airways (1:1 ratio).
- Singapore Airlines (1:1 ratio).
- TAP Air Portugal (1:1 ratio).
- Turkish Airlines (1:1 ratio).
- Virgin Red (1:1 ratio).
Hotels
- Accor (2:1 ratio).
- Choice Privileges Hotels (1:1 ratio).
- I Prefer Hotel Rewards (1:2 ratio).
- Wyndham Rewards (1:1 ratio).
Capital One transfer bonus history
| Capital One transfer partner | Bonus end date and bonus percentage |
|---|---|
| Accor Live Limitless | • November 2022: 20% |
| Aeromexico Club Premier | • March 2022: 20% • August 2021: 25% |
| Air France-KLM Flying Blue | • July 2023: 20% • August 2022: 20% • December 2021: 20% • September 2021: 30% • June 2019: 20% |
| Avianca LifeMiles | • February 2026: 15% • August 2025: 15% • September 2023: 15% • April 2023: 10% • March 2022: 20% • July 2021: 25% • December 2020: 15% • July 2019: 25% • June 2019: 15% |
| British Airways Executive Club | • November 2025: 20% • November 2022: 20% • August 2022: 20% • August 2021: 33% |
| Cathay Pacific Asia Miles | • March 2024: 10% • November 2022: 10-15% |
| Emirates Skywards | • March 2019: 100% |
| Etihad Guest | • March 2025: 40% • March 2024: 40% • April 2023: 15-30% |
| Japan Airlines Mileage Bank | • April 2026: 30% • February 2026: 30% • October 2025: 30% |
| JetBlue TrueBlue | • May 2019: 50% |
| Preferred Hotels & Resorts I Prefer | • March 2026: 30% |
| TAP Air Portugal Miles & Go | • June 2023: 15% • July 2022: 25% |
| Virgin Red | • April 2024: 30% • March 2023: 30% • October 2022: 30% |
| Qantas Frequent Flyer | • May 2026: 20% |
| Wyndham Rewards | • March 2022: 20% |
Here's a selection of popular credit cards that earn Capital One miles.
Cards that earn Capital One miles
Annual fee
$395.
$95.
$0.
$95.
Earn rate
• 10 miles per $1 on hotels and rental cars through Capital One Travel.
• 5 miles per $1 on flights and vacation rentals through Capital One Travel.
• 2 miles per $1 on everything else.
• 5 miles per $1 on hotels, vacation rentals and rental cars booked through Capital One Travel.
• 2 miles per $1 on all other purchases.
• 5 miles per $1 on hotels, vacation rentals and car rentals booked through Capital One Travel.
• 1.25 miles per $1 on all purchases.
• 5 miles per $1 on hotels, vacation rentals and rental cars through Capital One Travel.
• 2 miles per $1 on everything else.
Welcome offer
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.
Earn 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 a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel.
Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening.
Still not sure?
Bilt Rewards
Bilt Rewards is one of the newer rewards programs with transfer partners and is geared towards renters who want to pay rent using a credit card. Bilt Rewards points can be transferred to over 20 hotel and airline loyalty programs.
Complete list of Bilt transfer partners
- British Airways Club (Avios).
- Preferred Hotels I Prefer.
The best transfer value for Bilt Rewards comes during Bilt's Rent Day promotions, which offer high transfer bonuses for just one day. For example, Bilt offered a 100% transfer bonus to Air-France KLM Flying Blue in 2023. The offers are often based on your Bilt Rewards status, with higher status tiers often receiving better transfer bonus offers. Check the Bilt app on the first of every month for any transfer bonuses.
Bilt Rewards transfer bonus history
| Bilt Rewards transfer partner | Bonus end date and bonus percentage |
|---|---|
| Aer Lingus Avios | • May 2026: 40-100% • December 2025: 50-100% • April 2025: 50-100% |
| Accor Live Limitless | • February 2026: 25-125% • June 2025: 50-200% |
| Air France-KLM Flying Blue | • May 2023: 100% |
| Alaska MileagePlan | • July 2024: 50-100% |
| Avianca LifeMiles | • August 2025: 20-100% • February 2025: 20-100% |
| British Airways Avios | • May 2026: 40-100% • December 2025: 50-100% • April 2025: 50-100% |
| Cathay Pacific Asia Miles | • March 2024: 10% • November 2022: 10-15% |
| Emirates Skywards | • November 2023: 75-150% |
| Hawaiian Airlines | • February 2023: 100% |
| Hilton Honors | • March 2025: 50-200% |
| Iberia Avios | • May 2026: 40-100% • December 2025: 50-100% • April 2025: 50-100% |
| IHG One Rewards | • December 2022: 100% |
| Japan Airlines Mileage Bank | • March 2025: 25-125% |
| TAP Air Portugal | • June 2026: 25-125% |
| Southwest Rapid Rewards | • May 2025: 25-100% |
| Virgin Atlantic Flying Club | • August 2025: 40-100% • August 2023: 75-150% |
| Wyndham Rewards | • March 2026: 50-125% |
The fastest way to rack up Bilt points is with one of the three Bilt credit cards.
How the cards compare
Annual fee
- $0
- $95
- $495
Bilt Points on rent/mortgage payments
Up to 1.25x points.
Up to 1.25x points.
Up to 1.25x points.
Bilt Points on other spending
- 1x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 3x points on your choice of dining or grocery (on up to $25K in spending per year in the grocery category). Your choice category may be changed once a year.
- 2x points on travel.
- 1x points on everyday purchases.
- (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
- 2x points on everyday purchases. (You'll also earn 4% back in Bilt Cash on these purchases, if you choose that option.)
Welcome offer
$100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
Anniversary bonus
None.
None.
Annual $200 Bilt Cash credit.
Additional perks
- Multiple transfer partners.
- Multiple transfer partners.
- $100 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Multiple transfer partners.
- $400 Bilt Travel portal hotel credit, split semi-annually, per calendar year. (Minimum two-night stay required.)
- Access to participating Priority Pass lounges and landings. (Two guests allowed on every visit.)
Authorized user fee
$0.
$50.
$95.
APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR of 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
10% intro APR on purchases for the first 12 billing cycles from account opening, and then the ongoing APR is 26.74%-34.74% Variable APR
Foreign transaction fee
- $0
- $0
- $0
» Learn more: The guide to Bilt transfer partners
Rove Miles
Rove Miles launched in 2025 and offers consumers a way to earn and redeem points for travel and shopping without needing a credit card. Rove has 16 transfer partners, including 15 airlines and one hotel.
Complete list of Rove Miles transfer partners
- Aeromexico.
- Air India.
- Finnair.
- Hainan Airlines.
- SAS Airlines.
- Thai Airways.
- Vietnam Airlines.
- Virgin Red and Virgin Atlantic Flying Club.
- Accor.
Rove combines elements of a shopping portal, an online travel agency and a transferable rewards program into a single ecosystem, where miles earned from flights, hotels or online purchases can be redeemed for travel or transferred to partners.
Rove Miles transfer bonus history
| Rove transfer partner | Bonus end date and bonus percentage |
|---|---|
| Air Canada Aeroplan | • June 2026: 25% |
| Air France-KLM Flying Blue | • October 2025: 20% |
| Finnair Plus | • December 2025: 20% |
| Japan Airlines (JAL) Mileage Bank | • March 2026: 50% |
| Scandinavian (SAS) Airlines EuroBonus | • April 2026: 20% |
To view rates and fees of the American Express Platinum Card®, see this page.
To view rates and fees of the American Express® Gold Card, see this page.
To view rates and fees of The Business Platinum Card® from American Express, see this page.
To view rates and fees of The Blue Business® Plus Credit Card from American Express, see this page.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2026:
- Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
- No annual fee: Wells Fargo Autograph® Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
- Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
- Luxury perks: American Express Platinum Card®
- Business travelers: Ink Business Preferred® Credit Card
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