How to redeem Chase Ultimate Rewards points for maximum value

This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Editor’s note: This is a recurring post, regularly updated with new information.


There are a few facts of life — never wake a sleeping baby, always say yes to homemade cake, you can never have too much cash in the bank and you can never, ever have too many Chase Ultimate Rewards points.

This transferable points currency gives you access to some of the best hotel and airline transfer partners in the business, as well as an easy-to-use portal that allows you to cover a wide variety of different travel costs, including car rentals, hotels, flights, tours and activities, as well as some everyday expenses.

Despite increasing competition from American Express Membership Rewards, Citi ThankYou points and Capital One miles, Chase Ultimate Rewards maintains its place as one of the most valuable points currencies on the planet. Plus, thanks to the Chase Sapphire Preferred Card’s current elevated welcome bonus of 60,000 points after you spend $4,000 on purchases in the first three months from account opening, it’s extremely easy to earn a hefty stash of these points right now.

If you’re ready to get serious about traveling more for less, here’s everything you need to know about Chase transfer partners and the best ways to redeem your Chase Ultimate Rewards points.

Want more credit card news and advice from TPG? Sign up for our daily newsletter!

In This Post

Best ways to redeem Chase Ultimate Rewards points

There are many ways to earn Chase points at rates of anywhere from 1 – 10 points per dollar at a time depending on the specific credit cards you carry. But how you use them is critical to their actual value toward your travel. TPG values Ultimate Rewards points at 2 cents each, but your value can be lower or higher, depending on how you redeem your points.

Knowing how to make the best points redemption at the best time is easy with the free TPG App! Download it for free today.

You have three basic options for redeeming Ultimate Rewards:

Transfer to travel partners

This is, in our opinion, the best way to redeem your hard-earned points. Using Chase transfer partners is certainly your best shot for getting maximum value. You can transfer Ultimate Rewards points to 11 airline programs:

Chase also partners with three hotel programs:

All transfer ratios are 1:1 (though there are occasional transfer bonuses), and you must transfer in 1,000-point increments.

Related: Get more from your points with these 6 transfer bonuses

If you want to learn some tips about redeeming them, you can check out our guide on Chase Ultimate Rewards sweet spots.

We’ll break down how to maximize Chase transfer partners below.

Book travel via Chase

You can book travel through the Chase Ultimate Rewards Travel Portal and redeem points for your plane tickets, hotel stays, rental cars or experiences at a fixed cash value per point.

If you only hold a Chase Freedom Flex, Ink Business Unlimited Credit Card, Ink Business Cash Credit Card or Chase Freedom Unlimited, all points are worth one cent each.

As a holder of the Chase Sapphire Preferred or the Chase Ink Business Preferred Credit Card, each point is worth 1.25 cents (so a $100 hotel room would only cost 8,000 points).

If you have the Chase Sapphire Reserve, your points are worth 1.5 cents each toward travel redemptions through the portal.

If you hold multiple cards that earn Ultimate Rewards points, you can combine your points in the account of whichever card makes points the most valuable. For example, all of your points earned with the Chase Freedom Flex can be moved to your Sapphire Reserve account, thus increasing their value from 1 to 1.5 cents apiece.

It’s probably worth getting into the habit of combining your points every month or so, just in case Chase decides to change this policy in the future. This is especially important given that Chase has already made it more challenging to combine points with a household member.

Chase travel hotels
(Screenshot from chase.com)

Book inexpensive flights with points

If you can find inexpensive airfare in the Ultimate Rewards travel portal, it can make sense to use your points for these flights if you don’t want to spend cash. In the eyes of the airline, tickets booked this way are essentially the same as a paid fare. This means you’ll earn elite and redeemable miles. Be careful to avoid basic economy tickets, unless you are okay with any restrictions they entail.

In this case, spending 2,973 Ultimate Rewards points from a Sapphire Reserve (points worth 1.5 cents each) to fly from Newark Liberty International Airport (EWR) to Fort Lauderdale-Hollywood International Airport (FLL) isn’t too shabby.

Chase travel flight example
(Screenshot from chase.com)

You might also consider the travel portal option if you only have a handful of Ultimate Rewards points left, since Chase lets you redeem points to cover even just a part of the trip cost. You then pay the remaining balance with cash.

Finally, this is a decent option for car rentals, non-chain lodging or when cash rates make spending points through transfer partners a bad value. The hotel options presented are quite varied.

Cash back or gift cards

Theoretically, you can redeem points for credit back on your monthly statement, or even have the points deposited into your bank account at a flat rate of 1 cent per point.

With Chase Pay Yourself Back, you can redeem points for cash back at a rate of 1.25-1.5 cents each, depending on the card you have. This redemption rate is valid on statement credits toward rotating purchase categories, such as dining.

You can also redeem points for gift cards at a rate of 1 cent per point. But you can do better with the program’s transfer partners and Chase travel portal bookings, assuming you like to travel. However, we know that needs can change, so these non-travel redemptions remain fall-back options when needed.

Top Chase Ultimate Rewards transfer partners

We’ve mentioned that transferring your Chase points to a travel partner is often your best bet if you want to get the most value out of your points, but now we’re going to show you why that’s true in many situations.

Here are some of the best ways to redeem Ultimate Rewards with airline and hotel transfer partners:

United MileagePlus

United doesn’t publish award charts anymore, which can be good or bad news, depending on your situation. Thankfully, awards on partners still follow unpublished award charts with set redemption levels, and United does not pass along fuel surcharges.

You can book domestic one-way United awards starting at 5,000 miles each way, business-class awards to Europe start at 60,000 – 70,000 miles each way and award flights to Australia and New Zealand in business class start at 80,000 – 90,000 miles each way.

If you are booking a trip that transits different regions (like North America to Europe), you can also build in a free flight segment (known as the Excursionist Perk) when redeeming United miles. In a sample booking, we found a round-trip economy itinerary from Newark (EWR) to London (LHR) at 60,000 miles plus taxes.

United 767-300 Economy
United 767-300 Economy (Photo by Benji Stawski/The Points Guy)

Adding in a flight from London to Brussels and spending another week in Belgium cost the same number of miles (with fewer taxes) thanks to the Excursionist Perk.

Flexibility, the number of partners United has, and the ease of redeeming MileagePlus miles means that transferring points to United MileagePlus is popular among those savvy with Chase Ultimate Rewards.

Related: How to get maximum value from the United MileagePlus program

Southwest Airlines Rapid Rewards

TPG values Southwest Rapid Rewards points at 1.5 cents each, so in some ways transferring to Southwest isn’t a great way to use your Chase Ultimate Rewards points. You can also use your Chase points to book a “paid” Southwest flight by calling Chase Travel and booking over the phone, as the flights are not listed on the Chase Travel site.

However, there are a couple of scenarios where we transfer our points to a friendly carrier with no change or baggage fees.

First, for inexpensive fares ~$100 or less, Rapid Reward points can be worth as much as 1.7 cents per point, which beats the value you get when booking through the portal. Second, if you have a Southwest Airlines Companion Pass and are really getting two flights for the price of one award, then your points become worth as much as 3.4 cents per point for inexpensive fares.

Related: Booking Southwest flights with Chase points

Southwest makes it easy to island-hop in Hawaii. (Photo by Summer Hull/The Points Guy)
(Photo by Summer Hull/The Points Guy)

Singapore Airlines KrisFlyer

Singapore has a few things going for it as a potential airline transfer destination for your Ultimate Rewards. First, Singapore is one of the best airlines in the sky, with tremendous service and luxurious onboard products and experiences. And the carrier’s own premium-class products are typically only available through the KrisFlyer program, not with its Star Alliance partners.

Second, there is fantastic value in Singapore’s KrisFlyer program, with reasonable award charts, low fuel surcharges, routing rules that allow stopovers and the ability to combine multiple partners in one award.

Finally, the online award booking is intuitive and easy to use — though be aware that transfers typically are not instantaneous.

Here are some of our favorite KrisFlyer redemptions when using Chase Ultimate Rewards.

17,500 miles each way from the U.S. to Hawaii in economy

(Screenshot from singaporeair.com)

55,000 miles round-trip from the U.S. to Europe in economy on Star Alliance partners

(Screenshot from singaporeair.com)

85,000 miles Sydney to Singapore one-way in the A380 First Suites

(Screenshot from singaporeair.com)

95,000 miles Los Angeles to Singapore one-way in business for 17 hours on the A350

(Screenshot from singaporeair.com)

Iberia Plus

Spain’s national carrier remains a mystery to many Chase cardholders, despite the significant value Iberia Plus can offer U.S.-based flyers. The carrier offers cheap economy and transatlantic flights on its own metal and routinely has promotions, making Iberia Plus practically irresistible for a quick hop across the Atlantic.

Without promos, transatlantic business class is priced based on a distanced-based award formula. One-way flights from Miami to Madrid on off-peak dates start at just 21,250 Avios in economy and 42,500 Avios in business class, for instance. There can be less than $100 in surcharges, depending on the class of service you book:

Award prices for a one-way Iberia flight from Miami to Madrid in November 2022
(Screenshot courtesy of Iberia)

Prices get even more attractive, however, for shorter routes (based on distance in miles). For example, off-peak flights from Boston to Madrid require only 17,000 Avios in economy and 34,000 Avios in business each way:

Iberia JFK-MAD Award
(Screenshot courtesy of Iberia)

Virgin Atlantic Flying Club

There are multiple ways to use Virgin Atlantic’s loyalty program to unlock value. Thanks to its own distance-based formula, you can redeem miles to fly Delta domestic itineraries here in the U.S. starting at 7,500 miles per segment, potentially saving you thousands of miles compared to what Delta is asking for the same flight (though it’s worth noting that these rewards aren’t as valuable as they used to be).

Delta One flights to Europe (excluding the U.K.) are a flat 50,000 miles for nonstop itineraries.

Related: How to save thousands of miles on Delta One awards to Europe

(Screenshot from virginatlantic.com)

Other partners, like ANA, have award charts so attractive they almost seem like a mistake. You can use 110,000 Flying Club miles to fly ANA first class round-trip from the West Coast to Japan and 120,000 miles round-trip from the central and eastern U.S. to Japan. Here is Flying Club’s award chart for ANA-operated flights:

Related: Partner award flights on ANA just got even better: One-way redemptions now possible

Other partners such as South African, Air China, Singapore and Hawaiian offer niche routes that provide a great use of your miles. Overall, Flying Club presents a lot of different options to yield significant value from your Ultimate Rewards — even after the Delta devaluation from last year.

British Airways Executive Club

If you need a short-haul, nonstop flight on a Oneworld partner, British Airways Avios can reward you with tremendous savings. Short-haul flights outside of North America that are less than 650 miles in length will cost you only 6,000 Avios. This is great for exploring Japan on partner Japan Airlines, or Australia on Qantas, for instance.

In North America, short-haul flights start at 9,000 Avios for American Airlines-operated itineraries and can give you significant mileage savings over booking the same flight through American AAdvantage. Atlanta to Dallas costs only 9,000 Avios on a day when American may charge between 12,500 and 20,000 miles in its new dynamic pricing model.

(Screenshot courtesy of British Airways)

BA also recently lowered the cost of Qatar Airways awards when the Doha-based carrier adopted Avios as its own loyalty currency, giving yet another great option for transferring your Chase points for a valuable award ticket.

That said, there are itineraries you don’t want to book with Avios, like long-haul British Airways flights or partner-operated flights that incur significant fuel surcharges of hundreds of dollars. Stick to short hops on partner airlines or fifth-freedom routes in the Caribbean (such as Antigua to St. Kitts) and you’ll get great use of your Chase Ultimate Rewards points with British Airways.

Related: The ultimate guide to British Airways Avios

(Photo by Zach Griff/The Points Guy)
(Photo by Zach Griff/The Points Guy)

World of Hyatt

One of the best ways to use Ultimate Rewards points is to transfer them to World of Hyatt for low or high-category properties. Generally speaking, Hyatt points are worth more than Marriott Bonvoy and IHG points, so Hyatt is often your best hotel transfer partner within Chase Ultimate Rewards.

World of Hyatt also offers an extremely reasonable award chart for free nights, with award nights ranging from 3,500 – 45,000 points. Meanwhile, the World of Hyatt elite status perks are considered the best of any hotel loyalty program.

Related: What is World of Hyatt elite status worth?

Grand Hyatt Kauai (Photo by Summer Hull / The Points Guy)
Grand Hyatt Kauai. (Photo by Summer Hull/The Points Guy)

If you’re looking at standard award nights, the program has value across the spectrum of properties. Category 1-5 properties, in particular, can offer some fantastic awards.

Examples include the Grand Hyatt Kauai (21,000 – 29,000 points per night), Hyatt Regency Maui (21,000 – 29,000 points per night), Hyatt Grand Cypress Orlando (12,000 – 18,000 points per night), Grand Hyatt Washington D.C. (12,000 – 18,000 points per night) and Hyatt Regency Aruba (21,000 – 25,000 points per night).

Even several Category 1 properties sell for over $100 a night (excluding taxes), so redeeming just 3,500 points for these on off-peak dates is usually a good decision. An example is the Hyatt House in Colorado Springs, Colorado, which is bookable for just 3,500 – 6,500 Hyatt points per night.

Even the higher tiers of the program have substantial value. For example, redeeming 25,000 – 35,000 points per night at the ski-out Park Hyatt Beaver Creek, Park Hyatt Sydney or even the Park Hyatt Maldives can make sense, since rooms at these luxury properties routinely sell for over $1,000 a night.

Park Hyatt Maldives.

You also now have hundreds of additional properties at which you can redeem your Hyatt points through the Small Luxury Hotels of the World partnership and the addition of the Thompson, Alila and JdV by Hyatt brands. This opens up more redemption options in the Caribbean, Europe and beyond.

Related: Getting elite-like perks at Small Luxury Hotels of the World

Image courtesy of Sailrock Resort in Turks and Caicos
(Photo courtesy of Sailrock Resort in Turks and Caicos)

If you want to use your Chase Ultimate Rewards points and protect your cash, you can book all-inclusive resorts with Hyatt points in Mexico, the Dominican Republic and Jamaica. These resorts start at 20,000 – 25,000 points per night for double occupancy. Using points in this manner gets you a room and food, beverages, and some on-site entertainment (including kids clubs at the family-friendly resorts).

Note that Hyatt has also started integrating AMR Collection resorts into its loyalty program — with more to come over the course of 2022.

Here’s TPG’s guide to making the most of your Hyatt awards.

Less-desirable Ultimate Rewards partners

While there are no “bad” redemptions if your points allow you to go where you want to go while keeping your cash safely tucked in your wallet, some ways of using Chase points aren’t as mathematically rewarding as others.

The following Chase transfer partners would require a unique circumstance for us to transfer Ultimate Rewards, such as needing to top off an existing account balance or a one-off example of where the program provides value. There are typically much better ways to earn the points or miles in these programs instead of transferring Ultimate Rewards.

Here is a quick synopsis of each:

Air France-KLM Flying Blue

The current version of the program has become too illogical to ever plan on using it consistently.

You can certainly get lucky and find a good redemption. For example, TPG Editor Nick Ewen snagged three one-way, business-class awards from Miami (MIA) to Venice (VCE) for 53,000 miles and ~$235 in taxes and fees back in 2019. However, it’s generally just too variable.

If you did need Flying Blue miles — perhaps to take advantage of the program’s monthly, discounted Promo Rewards or discounted awards for children — you should probably transfer American Express points. Make sure before you transfer that you do not fall victim to phantom award space the Flying Blue website often shows; call and confirm with a phone agent first.

Related: Transferring Ultimate Rewards points to Flying Blue

Aer Lingus AerClub

There’s another version of an Avios program here, but nothing really enticing that’s worthy of an Ultimate Rewards transfer.

JetBlue TrueBlue

TrueBlue points are redeemed for JetBlue flights at pretty much a fixed rate of 1.3 to 1.4 cents per point. With that fixed redemption rate, there are just too many other valuable destinations for your Ultimate Rewards points. So unless you are topping off an award, this might not be your best transfer option.

You can also book JetBlue flights through the Ultimate Rewards travel portal and get a guaranteed 1.5 cents per point if you have the Sapphire Reserve in your wallet.

IHG One Rewards

Top-tier properties in the IHG portfolio have typically required 100,000 points per night, but we’ve seen examples of even higher pricing. It simply costs too much to book award nights in this program using Ultimate Rewards points. We generally believe that any other transfer partner is a better destination for your Ultimate Rewards points than IHG, especially since IHG sometimes sells points for just 0.5 cents each.

Note that IHG did just launch some notable updates to its program, but none of these move the needle when it comes to transferring your Chase points.

Related: IHG’s dynamic pricing goes wild, spiking award rates for some hotels

Marriott Bonvoy

On a case-by-case basis, it could make sense to transfer Ultimate Rewards to Marriott to redeem for an award night. However, these awards can be quite pricey, and with the launch of dynamic pricing, it can be even harder to find value.

With many different Marriott cobranded cards, it’s too easy to earn the Marriott points you need without transferring them in from Chase Ultimate Rewards.

Best cards for earning Chase Ultimate Rewards

How to earn Chase Ultimate Rewards points

You can earn Chase Ultimate Rewards points with several Chase credit cards.

The first three cards below earn fully transferable Ultimate Rewards points all by themselves, while the remaining four are technically billed as cash-back credit cards.

However, if you have an Ultimate Reward-earning card, you can convert your Chase cash-back reward to full Ultimate Rewards points. For this reason, it can make sense to have more than one Chase card in the family to maximize your earning and redeeming potential. For complete details on how this can work, check out TPG’s guide to transferring Chase points between accounts.

With that out of the way, here are the seven cards that allow you to earn Chase Ultimate Rewards points:

Chase Sapphire Preferred Card

(Photo by John Gribben for The Points Guy)

Welcome bonus: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening.

Why you want it: This is a fantastic all-around travel credit card. It earns:

  • 5 points per dollar on Lyft (through March 2025)
  • 5 points per dollar on all travel purchased through Chase Ultimate Rewards
  • 3 points per dollar on dining, including eligible delivery services, takeout and dining out
  • 3 points per dollar on select streaming services
  • 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs)
  • 2 points per dollar on all other travel
  • 1 point per dollar on all other purchases

The Sapphire Preferred has no foreign transaction fees and comes with many travel perks, including delayed baggage insurance, trip interruption/cancellation insurance and primary car rental insurance (find out how that can save you from a surprise last-minute $1,000 hotel bill.) To top it all off, Chase generally offers excellent customer service and reaching an agent is easy when you call the number on the back of the card.

Annual Fee: $95

Read the full card review.


Official application link: Chase Sapphire Preferred.


Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)
(Photo by Wyatt Smith/The Points Guy)

Welcome bonus: 60,000 points after you spend $4,000 on purchases in the first three months from account opening

Why you want it: Put simply, for its earning power. It now accrues:

  • 10 points per dollar on Lyft (through March 2025)
  • 10 points per dollar on Chase Dining booked through Ultimate Rewards
  • 10 points per dollar on hotel and car rental purchases through the Ultimate Rewards Travel portal
  • 5 points per dollar on airline travel booked through the Ultimate Rewards Travel portal
  • 3 points per dollar on travel not booked through Chase
  • 3 points per dollar on other dining purchases
  • 1 point per dollar on all other eligible purchases

Other perks include an easy-to-use $300 annual travel credit, a fee credit for Global Entry or TSA PreCheck (up to $100 once every four years), and Priority Pass Select lounge access. This includes the ability to use your Priority Pass membership for discounted meals in airport restaurants. Cardholders also get primary car rental coverage, trip interruption/cancellation insurance and other protections.

Annual fee: $550

Read the full card review.


Official application link: Chase Sapphire Reserve.


Ink Business Preferred Credit Card

(Photo by John Gribben for The Points Guy)

Welcome bonus: 100,000 points after you spend $15,000 on purchases in the first three months from account opening

Why you want it: This is one of the best credit cards for small-business owners, earning 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising made with social media sites and search engines each account anniversary year. You earn 1 point per dollar on all other purchases, and points don’t expire as long as your account is open. Points earned on the Ink Preferred can be transferred to multiple airline and hotel partners.

Annual Fee: $95

Read the full card review.


Official application link: Ink Business Preferred.


Now we get to the “cash-back” cards where you can combine your points with those from one of the three we’ve already detailed so that they become transferable as well.

Ink Business Cash Credit Card

(Photo by John Gribben for The Points Guy)

Welcome bonus: $750 cash back after you spend $7,500 on purchases in the first three months from account opening. This can be the same as 75,000 points if you have another Ultimate Rewards-earning credit card.

Why you want it: Earn 5% cash back on the first $25,000 in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. You can convert these earnings to Ultimate Rewards points if you have one of the three cards above.

Annual Fee: $0

Read the full card review.


Official application link: Ink Business Cash.


Ink Business Unlimited Credit Card

Welcome bonus: $750 cash back after you spend $7,500 on purchases in the first three months from account opening

Benefits: Earn unlimited 1.5% cash-back rewards on every purchase. These cash back earnings can be converted to Ultimate Rewards points if you have one of the three top cards listed above, which means your small business can essentially earn 1.5 points per dollar on all charges made with this card.

Annual Fee: $0

Read the full card review.


Official application link: Ink Business Unlimited.


Chase Freedom Flex

(Photo by John Gribben for The Points Guy)

Welcome bonus: $200 (20,000 Ultimate Rewards points) after you spend $500 in the first three months of account opening.

Benefits: The card earns 5% back/5x points on select bonus categories, which rotate every quarter, up to $1,500 per quarter (activation required). Common past bonus categories include gas stations, supermarkets, restaurants, warehouse stores and department stores. You can convert these rewards to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases. Earn 1% on all other purchases.

Annual Fee: $0

Read the full card review.


Official application link: Chase Freedom Flex.


Chase Freedom Unlimited

(Photo by Wyatt Smith/The Points Guy)

Welcome bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back.

Benefits: The card earns 1.5% cash back (1.5x Ultimate Rewards points) on purchases. These earnings can be converted to valuable Ultimate Rewards points if you have one of the top three cards listed above. Plus, earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases. Earn 1% on all other purchases. The card also offers 120-day purchase protection and extended warranty protection.

Annual Fee: $0

Read the full card review.


Official application link: Chase Freedom Unlimited.


Bottom line

The above strategies are just a sampling of the many redemptions available through the Ultimate Rewards program. If you have the Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred Credit Card, booking through the travel portal at a rate of 1.25 – 1.5 cents per point will be a solid baseline redemption for many travelers. However, to really get maximum value, look to utilize Chase transfer partners to book the flights and hotel rooms that otherwise would be outside of your means.

In any case, the Ultimate Rewards program provides a wide range of options to maximize your points and save you money — you just have to decide which ways to use Chase points are the most worthwhile to you.

If you’re new to the points and miles game, check out our Beginner’s Guide to learn more.

Additional reporting by Benji Stawski and Victoria Walker.

Featured photo courtesy of Hyatt Regency Grand Cypress.

Citi Premier® Card

This card offers a 80,000-point bonus after spending $4,000 in the first three months. Plus, earn 3 ThankYou points per $1 at gas stations, restaurants, supermarkets and on air travel and hotels. 1 ThankYou point per $1 on all other purchases.

Apply Now
More Things to Know
  • For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Regular APR
18.24% - 26.24% (Variable)
Annual Fee
$95
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Recommended Credit
Excellent, Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.