Transferable Credit Card Rewards: Strategies for Maximizing Value

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Slotnick","sameAs":"https://www.businessinsider.com/author/dave-slotnick-2"},{"@type":"Person","name":"Tessa Campbell","sameAs":"https://www.businessinsider.com/author/tessa-campbell"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Transferable Credit Card Rewards: Strategies for Maximizing Value","alternativeHeadline":"Maximizing Transferable Credit Card Rewards: A Comprehensive Guide","image":{"@type":"ImageObject","url":"https://i.insider.com/6658ec17cc442a2f676c7ae7?width=1200&format=jpeg","width":1200,"height":900,"caption":"The mythical American Express Centurion credit card is only accessible to high-end spenders who have been invited to apply for the exclusive card."},"name":"Maximizing Transferable Credit Card Rewards: A Comprehensive Guide","datePublished":"2024-07-18T17:59:03Z","dateModified":"2025-01-16T20:36:44Z","description":"Our comprehensive guide to transferable credit card rewards helps you maximize value and choose the best rewards programs and travel partners for you.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews.The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, American Express® Green Card, Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card, Citi Strata Premier℠ Card, Citi Prestige® Card, Citi® Double Cash Card, Citi Custom Cash℠ Card, Citi Rewards+® Card. The details for these products have not been reviewed or provided by the issuer.Among people well versed in rewards credit cards, there's a bit of common knowledge: Not all rewards are created equal. That's because even though many cards offer \"points\" or \"miles\" for every dollar you spend, they can be worth very different values.Each bank and frequent flyer program has its own reward currency that can be used in various ways. That makes it complicated when it's time to choose a credit card. Two cards could offer double points on purchases, but those points could be good for very different things — and one set of rewards could be a lot more valuable than the other.Some credit cards allow you to transfer the points you earn through your everyday spending to airline and hotel partners. These rewards are called transferable points.Several banks and rewards programs offer transferable points: Chase Ultimate Rewards® and American Express Membership Rewards, Citi ThankYou Rewards, Capital One Miles, Bilt Rewards, and Wells Fargo Autograph Rewards. We'll explore each of these programs in more depth below. If you're using Chase cards that earn the bank's Ultimate Rewards points, you can transfer those points to any of 11 airline frequent flyer programs and three hotel loyalty programs. The Ultimate Rewards program's airline partners include carriers in all three major airline alliances, which means you can book frequent flyer tickets — also known as \"award flights\" — on most airlines.The current rewards ecosystem has six major players: American Express, Bilt, Capital One, Chase, Citi, and Wells Fargo. Here's what you'll want to know about each program. Amex Membership Rewards are incredibly valuable for their flexibility. Points earned on cards like The Platinum Card® from American Express, the American Express® Gold Card, and The Blue Business® Plus Credit Card from American Express can be transferred to airline and hotel partners such as Delta Air Lines or Marriott for luxury travel experiences or used for a variety of other redemption opportunities (Terms Apply).Business Insider values Amex Membership Rewards points at 1.8 cents apiece, on average.While Bilt Rewards is a relative newcomer in the rewards currency world, this fintech company has quickly established itself as one of the best programs for transferrable points. Bilt offers some of the most valuable travel rewards you can earn because it partners with more than a dozen airlines and hotel brands, including the elusive Alaska Airlines — a carrier that doesn't partner with any other transferrable point card issuers.Since Bilt only offers the Bilt Mastercard® and a few non-card earning opportunities, saving for high-end travel rewards can be more challenging with this issuer than from those that offer multiple cards. But Bilt offers fun challenges for cardholders and Bilt members such as Bilt Rent Day, when most purchases earn double points on the first day of the month (up to 1,000 points). And Bilt Points offer valuable redemptions and an easy learning curve for experienced travelers and newbies alike. Business Insider values Bilt Rewards at 1.65 cents per point, on average.The Capital One Miles program has been around for a long time, as evidenced by the TV commercials we've all seen for years. But the reward program got a massive bump in value in the late 2010s, thanks to nearly two dozen partnerships with airlines and hotel chains and generous transfer ratios. As a result, Capital One cardholders have some of the best redemption opportunities in the ecosystem, thanks to a lot of flexibility when earning and redeeming Capital One Miles. Capital One Miles members can pool points between family and friends at no additional cost, making it easy to earn together toward a common goal. In addition to the standard options of redeeming travel through the issuer's proprietary Capital One travel portal or transferring to travel partners, cardholders can also use Capital One rewards to \"erase\" travel expenses from their statement credit. This perk is particularly valuable for savvy travelers who want to earn full credit by purchasing flights or hotel stays directly for elite status or benefits, then reimburse themselves from their stash of rewards. Business Insider values Capital One Miles at 1.7 cents apiece, on average.Like Amex Membership Rewards, the Chase Ultimate Rewards® program is one of the best-known and most robust loyalty rewards systems in the game. Many of the best Chase credit cards earn Ultimate Rewards points, which transfer to many of the best airlines and hotel chains in the travel world, including Southwest and United Airlines on the flight front, or Marriott and Hyatt on the hotel front.Business Insider values Chase Ultimate Rewards at 1.8 cents apiece, on average.Citi is another credit card issuer that's been in the loyalty rewards game for a long time. Citi ThankYou Points can be earned on many of the best Citi credit cards including the newly revamped Citi Strata Premier℠ Card as well as no-annual-fee options such as the Citi® Double Cash Card and the Citi Rewards+® Card. Redemptions are also easy and flexible, since Citi has well over a dozen airline and transfer partners. Business Insider values Citi ThankYou Points at 1.6 cents apiece, on average.Wells Fargo is the newest addition to this roster of transferrable rewards competitors. Freshly announced in 2024, Wells Fargo Autograph program partners with just six airlines and hotel chains so far, but most experts believe more will follow with time. Business Insider values Wells Fargo Autograph Rewards at 1.3 cents apiece, on average.Now that we've established the major players, it's time to learn how to use those rewards for maximum value. When transferring points to an airline or hotel chain, the transfer ratio, or value of your rewards relative to the travel company's loyalty program, is of paramount importance. In many cases, booking flights through an airline's frequent flyer program can be better (read: cheaper) than choosing cash back for buying plane tickets or exchanging your points for a statement credit to \"erase\" travel purchases.Cash prices for flights change constantly thanks to complicated airline pricing algorithms. When you exchange points for cash or as a statement credit, the best return you can generally get is 1 cent for each point applied toward the ticket price when you booked it.But when you transfer points or miles to partner airlines, you can often get double, triple, or even 10x the average value of each point when you book a first- or business-class international flight worth tens of thousands of dollars for as little as 15,000 points one way. Award ticket pricing differs from airline to airline and even between regions. Every airline's system varies significantly. Let's use the example of United Airlines — a partner of Chase's Ultimate Rewards program — and the way that its MileagePlus frequent flyer program works.If you wanted to travel round-trip from Chicago to Munich, that international ticket could cost more than $1,200 in economy class, depending on when you travel.If you exchanged your Chase Ultimate Rewards points for cash to purchase the ticket, or if you wanted to use fixed-value points worth 1 cent each — such as miles you can earn with the Capital One Venture Rewards Credit Card — you would need 120,000 points or miles to cover the whole trip.But if you transferred your Chase Ultimate Rewards points to United, you might be able to book the same flight for half as many points because some United flights can be booked on points for as few as 30,000 United MileagePlus miles one way, or 60,000 round-trip. To use the same United Airlines example between Chicago and Munich, a business-class ticket on this route starts at around $4,600 round-trip. That would cost 460,000 fixed-value points, or points exchanged for cash back, if you wanted to use them to \"erase\" the purchase from your statement.However, a business-class saver ticket (if you can find saver availability — it's typically scarce) starts at 60,000 miles each way, or 120,000 miles round-trip for the same exact flight — a fraction of the miles or points you would have needed with cash back or a statement credit.The catch is that most airlines only make a few saver-level tickets available for each flight — and they make them available at various points before traveling — so you may not be able to find saver seats right away. Also, it's possible there will be a time when the cash price of a coach ticket in the example above drops below $600.In that case, transferring your points to United and getting a saver-level round-trip for 60,000 miles is actually not the best deal. Fortunately, all of the issuers listed above offer an alternative option to redeem your rewards for top value. Chase operates a travel-booking service as part of its website, known as Chase Travel℠. If you book flights or hotels through Chase Travel℠, either online or by phone, you get 1 cent per point in value when you have no-annual-fee cards like the Chase Freedom Flex® \n or Chase Freedom Unlimited®.However, the Chase Sapphire Preferred® Card and Ink Business Preferred® Credit Card enjoy an additional 25% bonus in value. This means that each point redeemed through these cards is worth 1.25 cents apiece instead of 1 cent apiece. So if you were looking at a $600 flight from Chicago to Munich, you would only need 48,000 Chase points, fewer than you would need through United if you transferred the points to that airline.Best yet, the same ticket above would only cost 40,000 points if you have the Chase Sapphire Reserve® card, where points are worth 1.5 cents each (50% bonus) when you redeem them through Chase Travel℠.American Express doesn't offer fixed bonuses when using points to book travel through the Amex Travel portal, but many issuers occasionally offer limited-time promotions or transfer bonuses at different times. The best transferable-point credit card for you depends on what credit card rewards program is most appealing. Make sure to research the transfer partners and redemption options available with each. Below, you'll find some of the top options with each major program.Earn 5 Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1 Point on other purchases.$695N/ASee Pay Over Time APREarn 80,000 Membership Rewards® pointsGood to ExcellentIf you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.American Express issues personal and small-business cards that earn Membership Rewards points. Here are the personal options:And these small-business cards earn Membership Rewards points:Similarly, Chase issues a number of personal and small-business cards that earn transferable points.If you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card, you can augment your stash of rewards by combining points from your no-annual-fee Chase cards (including the Chase Freedom Flex®, Chase Freedom Unlimited®, Ink Business Unlimited® Credit Card, and Ink Business Cash® Credit Card). From there, you can transfer all of your rewards to airline and hotel partners, or redeem them at a higher rate through the Chase Travel Portal.Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.$95N/A20.24% - 28.24% VariableEarn 75,000 bonus pointsGood to ExcellentThe Citi Strata Premier℠ Card \n allows you to transfer points to Citi's airline and hotel partners, and offers an excellent welcome bonus of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth around $1,200 in travel, based on our valuation of Citi points).You can also transfer points to partners with the Citi Prestige® Card \n , but it's no longer taking applications.As with other issuers, if you have either of the cards listed above and also have no-annual-fee Citi ThankYou cards such as the Citi® Double Cash Card \n , Citi Custom Cash℠ Card \n , or Citi Rewards+® Card \n , you can pool your points in your Citi Strata Premier℠ Card or Citi Prestige® Card account, then transfer them to partners.There are multiple personal and small-business Capital One credit cards that earn flexible miles:Note: If you have one of the cards mentioned in the tables above, you can convert cash back earned from Capital One cash-back cards, like the Capital One Savor Cash Rewards Credit Card or Capital One Quicksilver Cash Rewards Credit Card, into Capital One miles through the \"Share My Rewards\" feature in your online account. You'll get 1 Capital One mile for every 1 cent you transfer.Flexible rewards that transfer to airline and hotel partners can help you score first- and business-class flights worth thousands of dollars, usually for far less points or miles than it would cost you if purchased through your credit card's rewards portal.No, the transfer is typically irreversible once points or miles have been converted to a loyalty program. It's usually a good idea to keep your rewards in your credit card account until you have a specific redemption in mind. If you have multiple options for redeeming the flight you want, consider additional factors such as the transfer ratio, the aircraft and route you'd fly, and any ongoing promotions that might increase the value of your transferred points.Some credit card programs may charge a nominal fee for transfers to certain travel partners, while the transaction is free on many others. You can usually transfer points as frequently as you need, as long as you meet the minimum transfer amounts set by the credit card issuer and the partner programs.","articleSection":"Personal Finance, Credit Cards, Travel","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What makes transferable credit card rewards valuable?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Flexible rewards that transfer to airline and hotel partners can help you score first- and business-class flights worth thousands of dollars, usually for far less points or miles than it would cost you if purchased through your credit card's rewards portal.</p>"}},{"@type":"Question","name":"Can transferable rewards be reversed once transferred?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">No, the transfer is typically irreversible once points or miles have been converted to a loyalty program. 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See <a href="https://www.businessinsider.com/personal-finance/credit-cards/how-we-rate-credit-cards" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate credit cards to write unbiased product reviews</a>.</aside> <div class="col-12"> </div> <figure class="figure image-figure-image as-notched" data-type="img" data-e2e-name="image-figure-image" data-media-container="image" itemscope itemtype="https://schema.org/ImageObject" > <div class="aspect-ratio" style="padding-top: calc(100% / (2120 / 1060))" > <meta itemprop="contentUrl" content="https://i.insider.com/6658beb71cd3b1779041b131?width=700"/> <img src="https://i.insider.com/6658beb71cd3b1779041b131?width=700" srcset="https://i.insider.com/6658beb71cd3b1779041b131?width=400&format=jpeg&auto=webp 400w, https://i.insider.com/6658beb71cd3b1779041b131?width=500&format=jpeg&auto=webp 500w, https://i.insider.com/6658beb71cd3b1779041b131?width=700&format=jpeg&auto=webp 700w, https://i.insider.com/6658beb71cd3b1779041b131?width=1000&format=jpeg&auto=webp 1000w, https://i.insider.com/6658beb71cd3b1779041b131?width=1300&format=jpeg&auto=webp 1300w, https://i.insider.com/6658beb71cd3b1779041b131?width=2000&format=jpeg&auto=webp 2000w" sizes="(min-width: 1280px) 900px" alt="Young couple in luxurious casual clothes lounges by a private pool on beach chaises in a tropical setting" decoding="sync" /> </div> <span class="image-source-caption with-caption-drawer"> <input class="caption-drawer-input" type="checkbox" id="caption-drawer-checkbox"> <label class="caption-drawer-label" for="caption-drawer-btn"> <svg class="svg-icon chevron-down-icon caption-drawer-icon" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 24 24" > <path fill="currentColor" fill-rule="evenodd" d="m19.44 5.5-7.486 7.72L4.56 5.594 2 8.234 11.954 18.5 22 8.14 19.44 5.5Z"/> </svg> </label> <figcaption class="image-caption headline-semibold" data-e2e-name="image-caption" > <span class="image-caption-text">The mythical American Express Centurion credit card is only accessible to high-end spenders who have been invited to apply for the exclusive card.</span> <span class="image-source-text"> <span class="image-source headline-regular" data-e2e-name="image-source" itemprop="creditText" > Thomas Berwick/Getty Images </span> </span> </figcaption> </span> </figure> <div class="sticky-toc-content-wrapper"> <aside class="sticky-toc as-aside" data-component-type="sticky-toc"> <nav class="sticky-toc-aside js-sticky-toc-aside"> <menu class="sticky-toc-menu"> <li> <a href="#introduction-to-transferable-credit-card-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Introduction to Transferable Credit Card Rewards </a> </li> <li> <a href="#how-to-transfer-credit-card-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > How to Transfer Credit Card Rewards </a> </li> <li> <a href="#bank-travel-portals" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Bank Travel Portals </a> </li> <li> <a href="#choosing-the-right-card-for-transferable-rewards" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Choosing the Right Card for Transferable Rewards </a> </li> <li> <a href="#faqs" class="sticky-toc-link headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQs </a> </li> </menu> </nav> </aside> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p></p><ul class="summary-list"><li>Credit card rewards come in many forms, from cash back to airline miles and hotel points. </li><li>Transferring rewards to airline and hotel loyalty programs is the best way to get the most value.</li><li>Learn more by reading Business Insider's guide to the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-autoaffiliated="false" data-analytics-product-module="summary_bullets" rel="">best travel rewards credit cards</a>.</li></ul><h2 id="introduction-to-transferable-credit-card-rewards" data-toc-id="154705d4-8860-4d46-a100-b58a2afbb9c3" data-toc-label="Introduction to Transferable Credit Card Rewards" class="toc-anchor">Introduction to transferable credit card rewards</h2><p>Among people well versed in <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-rewards-credit-cards" data-analytics-product-module="body_link" rel="">rewards credit cards</a>, there's a bit of common knowledge: Not all rewards are created equal. That's because even though many cards offer "points" or "miles" for every dollar you spend, they can be worth <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/what-are-points-miles-worth-value" data-analytics-product-module="body_link" rel="">very different values</a>.</p><h3 id="fb799563-ef7d-4291-809a-efd84e8ef921" data-toc-id="fb799563-ef7d-4291-809a-efd84e8ef921">What are transferable rewards?</h3><p>Each bank and frequent flyer program has its own reward currency that can be used in various ways. That makes it complicated when it's time to choose a credit card. Two cards could offer double points on purchases, but those points could be good for very different things — and one set of rewards could be a lot more valuable than the other.</p><h3 id="ee154e85-ba0a-4401-abed-6f60f62d8dca" data-toc-id="ee154e85-ba0a-4401-abed-6f60f62d8dca">Leveraging transferable reward programs for maximum benefit</h3><p>Some credit cards allow you to transfer the points you earn through your everyday spending to airline and hotel partners. These rewards are called transferable points.</p><p>Several banks and rewards programs offer transferable points: Chase Ultimate Rewards® and American Express Membership Rewards, Citi ThankYou Rewards, Capital One Miles, Bilt Rewards, and Wells Fargo Autograph Rewards. We'll explore each of these programs in more depth below. </p><p>If you're using Chase cards that earn the bank's Ultimate Rewards points, you can <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">transfer those points</a> to any of 11 airline frequent flyer programs and three hotel loyalty programs. The Ultimate Rewards program's airline partners include carriers in all three major airline alliances, which means you can book frequent flyer tickets — also known as "award flights" — on most airlines.</p><h2 id="how-to-transfer-credit-card-rewards" data-toc-id="cda6deca-b6bc-4b60-bb13-df22b1bb4739" data-toc-label="How to Transfer Credit Card Rewards" class="toc-anchor">Major credit card rewards programs</h2><p>The current rewards ecosystem has six major players: American Express, Bilt, Capital One, Chase, Citi, and Wells Fargo. Here's what you'll want to know about each program. </p><h3 id="d12ccdec-c00a-49fe-9807-1de586e95d47" data-toc-id="d12ccdec-c00a-49fe-9807-1de586e95d47"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-ways-to-earn-use-amex-points" rel="">American Express Membership Rewards</a></h3><p>Amex Membership Rewards are incredibly valuable for their flexibility. Points earned on cards like <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-platinum-credit-card-review" data-analytics-product-module="body_link" rel="">The Platinum Card® from American Express</a>, the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review" data-analytics-product-module="body_link" rel="">American Express® Gold Card</a>, and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-plus-credit-card-review" data-analytics-product-module="body_link" rel="">The Blue Business® Plus Credit Card from American Express</a> can be transferred to airline and hotel partners such as Delta Air Lines or Marriott for luxury travel experiences or used for a variety of other redemption opportunities <span>(Terms Apply)</span>.</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Amex Membership Rewards points at 1.8 cents apiece, on average.</p> </aside> <h3 id="d4d881b8-1f22-4833-8a3f-e80a697765ef" data-toc-id="d4d881b8-1f22-4833-8a3f-e80a697765ef"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-points-value" rel="">Bilt Rewards</a> </h3><p>While Bilt Rewards is a relative newcomer in the rewards currency world, this fintech company has quickly established itself as one of the best programs for transferrable points. Bilt offers some of the most valuable travel rewards you can earn because it partners with more than a dozen airlines and hotel brands, including the elusive Alaska Airlines —  a carrier that doesn't partner with any other transferrable point card issuers.</p><p>Since Bilt only offers the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-mastercard-card-review" data-analytics-product-module="body_link" rel="">Bilt Mastercard®</a> and a few non-card earning opportunities, saving for high-end travel rewards can be more challenging with this issuer than from those that offer multiple cards. But Bilt offers fun challenges for cardholders and Bilt members such as <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/bilt-rent-day" data-analytics-product-module="body_link" rel="">Bilt Rent Day</a>, when most purchases earn double points on the first day of the month (up to 1,000 points). And Bilt Points offer valuable redemptions and an easy learning curve for experienced travelers and newbies alike. </p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Bilt Rewards at 1.65 cents per point, on average.</p> </aside> <h3 id="15f6b56f-1b78-4448-bbd2-5175d3045b64" data-toc-id="15f6b56f-1b78-4448-bbd2-5175d3045b64"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/how-to-earn-and-redeem-capital-one-miles" rel="">Capital One Miles</a></h3><p>The Capital One Miles program has been around for a long time, as evidenced by the TV commercials we've all seen for years. But the reward program got a massive bump in value in the late 2010s, thanks to nearly two dozen partnerships with airlines and hotel chains and generous transfer ratios. As a result, Capital One cardholders have some of the best redemption opportunities in the ecosystem, thanks to a lot of flexibility when earning and redeeming Capital One Miles. </p><p>Capital One Miles members can pool points between family and friends at no additional cost, making it easy to earn together toward a common goal. In addition to the standard options of redeeming travel through the issuer's proprietary Capital One travel portal or transferring to travel partners, cardholders can also use Capital One rewards to "erase" travel expenses from their statement credit. This perk is particularly valuable for savvy travelers who want to earn full credit by purchasing flights or hotel stays directly for elite status or benefits, then reimburse themselves from their stash of rewards. </p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Capital One Miles at 1.7 cents apiece, on average.</p> </aside> <h3 id="399e7fbe-d518-4f51-be63-30fadd48ba11" data-toc-id="399e7fbe-d518-4f51-be63-30fadd48ba11"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-chase-ultimate-rewards-points" rel="">Chase Ultimate Rewards®</a> </h3><p>Like Amex Membership Rewards, the Chase Ultimate Rewards® program is one of the best-known and most robust loyalty rewards systems in the game. Many of the best Chase credit cards earn Ultimate Rewards points, which transfer to many of the best airlines and hotel chains in the travel world, including Southwest and United Airlines on the flight front, or Marriott and Hyatt on the hotel front.</p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Chase Ultimate Rewards at 1.8 cents apiece, on average.</p> </aside> <h3 id="6532002f-18cb-4209-8f48-8ee62365ad1d" data-toc-id="6532002f-18cb-4209-8f48-8ee62365ad1d"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/guide-earning-using-citi-thankyou-points" rel="">Citi ThankYou Rewards</a></h3><p>Citi is another credit card issuer that's been in the loyalty rewards game for a long time. Citi ThankYou Points can be earned on many of the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-citi-credit-cards" data-analytics-product-module="body_link" rel="">best Citi credit cards</a> including the newly revamped <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-premier-card-review" data-analytics-product-module="body_link" rel="">Citi Strata Premier℠ Card</a> as well as <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-no-fee-credit-card" data-analytics-product-module="body_link" rel="">no-annual-fee</a> options such as the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-double-cash-card-review" data-analytics-product-module="body_link" rel="">Citi® Double Cash Card </a>and the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-rewards-plus-card-review" data-analytics-product-module="body_link" rel="">Citi Rewards+® Card</a>. Redemptions are also easy and flexible, since Citi has well over a dozen airline and transfer partners. </p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Citi ThankYou Points at 1.6 cents apiece, on average.</p> </aside> <h3 id="150802be-e2b0-4778-b0cc-d060ea077855" data-toc-id="150802be-e2b0-4778-b0cc-d060ea077855"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-autograph-transfer-partners" rel="">Wells Fargo Autograph Rewards</a></h3><p>Wells Fargo is the newest addition to this roster of transferrable rewards competitors. Freshly announced in 2024, <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/wells-fargo-autograph-transfer-partners" data-analytics-product-module="body_link" rel="">Wells Fargo Autograph program</a> partners with just six airlines and hotel chains so far, but most experts believe more will follow with time. </p> <aside class="quick-tip headline-regular ignore-typography"> <p>Business Insider values Wells Fargo Autograph Rewards at 1.3 cents apiece, on average.</p> </aside> <h2 id="63e56023-74cc-40e1-8bda-c8e6750956e7" data-toc-id="63e56023-74cc-40e1-8bda-c8e6750956e7" data-toc-label="How to Transfer Credit Card Rewards">How to transfer credit card rewards</h2><p>Now that we've established the major players, it's time to learn how to use those rewards for maximum value. When transferring points to an airline or hotel chain, the transfer ratio, or value of your rewards relative to the travel company's loyalty program, is of paramount importance. </p><h3 id="3bb0e2f7-85f5-404b-b514-eb98c4782ef7" data-toc-id="3bb0e2f7-85f5-404b-b514-eb98c4782ef7">Understanding transfer ratios</h3><p>In many cases, booking flights through an airline's frequent flyer program can be better (read: cheaper) than choosing cash back for buying plane tickets or exchanging your points for a statement credit to "erase" travel purchases.</p><p>Cash prices for flights change constantly thanks to complicated airline pricing algorithms. When you exchange points for cash or as a statement credit, the best return you can generally get is 1 cent for each point applied toward the ticket price when you booked it.</p><p>But when you transfer points or miles to partner airlines, you can often get double, triple, or even 10x the average value of each point when you book a first- or business-class international flight worth tens of thousands of dollars for as little as 15,000 points one way. </p><h2 id="34b66b4a-f00a-4193-94d5-1305d3d307f6" data-toc-id="34b66b4a-f00a-4193-94d5-1305d3d307f6">Maximizing the value of transferred rewards </h2><p>Award ticket pricing differs from airline to airline and even between regions. Every airline's system varies significantly. Let's use the example of <a target="_blank" href="https://www.businessinsider.com/personal-finance/how-to-earn-use-united-mileageplus-miles" data-analytics-product-module="body_link" rel="">United Airlines</a> — a partner of Chase's Ultimate Rewards program — and the way that its MileagePlus frequent flyer program works.</p><p>If you wanted to travel round-trip from Chicago to Munich, that international ticket could cost more than $1,200 in economy class, depending on when you travel.</p><p>If you exchanged your Chase Ultimate Rewards points for cash to purchase the ticket, or if you wanted to use fixed-value points worth 1 cent each — such as miles you can earn with the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-venture-card-review" data-analytics-product-module="body_link" rel="">Capital One Venture Rewards Credit Card</a> — you would need 120,000 points or miles to cover the whole trip.</p><p>But if you transferred your Chase Ultimate Rewards points to United, you might be able to book the same flight for half as many points because some United flights can be booked on points for as few as 30,000 United MileagePlus miles one way, or 60,000 round-trip. </p><p>To use the same United Airlines example between Chicago and Munich, a business-class ticket on this route starts at around $4,600 round-trip. That would cost 460,000 fixed-value points, or points exchanged for cash back, if you wanted to use them to "erase" the purchase from your statement.</p><p>However, a business-class saver ticket (if you can find saver availability — it's typically scarce) starts at 60,000 miles each way, or 120,000 miles round-trip for the same exact flight — a fraction of the miles or points you would have needed with cash back or a statement credit.</p><h2 id="bank-travel-portals" data-toc-id="7c8d5499-556b-492a-8a74-3b0d6d066cc2" data-toc-label="Bank Travel Portals" class="toc-anchor">Bank travel portals</h2><p>The catch is that most airlines only make a few saver-level tickets available for each flight — and they make them available at various points before traveling — so you may not be able to find saver seats right away. Also, it's possible there will be a time when the cash price of a coach ticket in the example above drops below $600.</p><p>In that case, transferring your points to United and getting a saver-level round-trip for 60,000 miles is actually not the best deal. Fortunately, all of the issuers listed above offer an alternative option to redeem your rewards for top value. </p><p>Chase operates a travel-booking service as part of its website, known as <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ultimate-rewards-travel-portal" data-analytics-product-module="body_link" rel="">Chase Travel</a>℠. If you book flights or hotels through Chase Travel℠, either online or by phone, you get 1 cent per point in value when you have no-annual-fee cards like the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Chase Chase Freedom Flex® has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> or <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited®</a>.</p><p>However, the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-preferred-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Preferred® Card</a> and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-preferred-card-review" data-analytics-product-module="body_link" rel="">Ink Business Preferred® Credit Card</a> enjoy an additional 25% bonus in value. This means that each point redeemed through these cards is worth 1.25 cents apiece instead of 1 cent apiece. So if you were looking at a $600 flight from Chicago to Munich, you would only need 48,000 Chase points, fewer than you would need through United if you transferred the points to that airline.</p><p>Best yet, the same ticket above would only cost 40,000 points if you have the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-sapphire-reserve-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Sapphire Reserve®</a> card, where points are worth 1.5 cents each (50% bonus) when you redeem them through Chase Travel℠.</p><p>American Express doesn't offer fixed bonuses when using points to book travel through the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-travel" data-analytics-product-module="body_link" rel="">Amex Travel portal</a>, but many issuers occasionally offer limited-time promotions or transfer bonuses at different times. </p><h2 id="choosing-the-right-card-for-transferable-rewards" data-toc-id="0a1d8d4f-1e63-4b8d-b1a2-804d2b322ebd" data-toc-label="Choosing the Right Card for Transferable Rewards" class="toc-anchor">Choosing the right card for transferable rewards</h2><p>The best transferable-point credit card for you depends on what credit card rewards program is most appealing. Make sure to research the transfer partners and redemption options available with each. Below, you'll find some of the top options with each major program.</p><h3 id="5411c882-5212-4967-9243-74940adbbf39" data-toc-id="5411c882-5212-4967-9243-74940adbbf39">American Express Membership Rewards</h3> <div id="the-platinum-card®-from-american-express" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">The Platinum Card® from American Express</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70969-20&h=ea34e2b1888b51784f8fad80a8e58b8c3d94e4eeea657c6035ea39ed047d4f33&platform=browser&postID=669957a7c79d31931d7ba0fe&postSlug=personal-finance%2Fcredit-cards%2Ftransferable-credit-card-points-best-rewards-to-earn&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675222%26cr%3D28038%26last_updated%3D1598306940" rel="nofollow noindex" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=ea34e2b1888b51784f8fad80a8e58b8c3d94e4eeea657c6035ea39ed047d4f33&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675222%26cr%3D28038%26last_updated%3D1598306940"> Apply now <svg xmlns="http://www.w3.org/2000/svg" width="17" height="16" fill="none"> <title>lock icon</title> <desc>An icon in the shape of lock.</desc> <g clip-path="url(#a)"> <path d="M12.501 5.334h-.666V4a3.335 3.335 0 0 0-6.667 0v1.334h-.667c-.733 0-1.333.6-1.333 1.333v6.667c0 .733.6 1.333 1.333 1.333h8c.734 0 1.334-.6 1.334-1.333V6.667c0-.733-.6-1.333-1.334-1.333ZM6.501 4c0-1.106.894-2 2-2 1.107 0 2 .894 2 2v1.334h-4V4Zm6 9.334h-8V6.667h8v6.667Z" fill="#fff"></path> </g> <defs> <clipPath id="a"> <path fill="#fff" transform="translate(.5)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg> </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.</span> <div class="financial-product-card__footer headline-regular"> <a rel="nofollow noopener noindex" target="_blank" class="not-content-link financial-product-card__footer__link" href="https://affiliate.insider.com/?amazonTrackingID=&h=367c2e93d63ab91f5c7263853bfa227e21b0a47e9dd7b972065906dbb1ab60cd&platform=browser&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675223%26cr%3D28377%26last_updated%3D1598926898" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="rates_fees" data-am-orig-url="https://affiliate.insider.com/?h=367c2e93d63ab91f5c7263853bfa227e21b0a47e9dd7b972065906dbb1ab60cd&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675223%26cr%3D28377%26last_updated%3D1598926898">Rates & Fees</a> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70969-20&h=ea34e2b1888b51784f8fad80a8e58b8c3d94e4eeea657c6035ea39ed047d4f33&platform=browser&postID=669957a7c79d31931d7ba0fe&postSlug=personal-finance%2Fcredit-cards%2Ftransferable-credit-card-points-best-rewards-to-earn&site=bi&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675222%26cr%3D28038%26last_updated%3D1598306940" rel="nofollow noindex" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=ea34e2b1888b51784f8fad80a8e58b8c3d94e4eeea657c6035ea39ed047d4f33&u=https%3A%2F%2Foc.brcclx.com%2Ft%2F%3Flid%3D26675222%26cr%3D28038%26last_updated%3D1598306940"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/66be29945da406397bf63738?width=400" alt="American Express The Platinum Card® from American Express"> <noscript> <img class="no-script" src="https://i.insider.com/66be29945da406397bf63738?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5e78df992d654f251532f27d-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.08661234961801711"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.08661234961801711)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16071842423191973"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16071842423191973)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.8345191379411996"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.8345191379411996)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04813896903482329"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04813896903482329)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.025361403618542777"> <stop stop-color="#faa809" offset="40%"></stop> <stop stop-color="white" offset="40%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.025361403618542777)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.4<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn 5 Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1 Point on other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">See Rates and Fees</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">$695</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">See Pay Over Time APR</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 80,000 Membership Rewards® points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Statement credits with Saks and Uber (enrollment required)</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Bonus categories leave something to be desired</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>One of the highest annual fees among premium travel cards</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, and more.</p> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-platinum-credit-card-review" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Amex Platinum Card <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.</li> <li class="financial-product-card__product-details__list-item">Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.</li> <li class="financial-product-card__product-details__list-item">$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using your Platinum Card®. The Hotel Collection requires a minimum two-night stay.</li> <li class="financial-product-card__product-details__list-item">$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.</li> <li class="financial-product-card__product-details__list-item">With American Express Global Lounge Collection® you can enjoy access to over 1,400 airport lounges globally, including The Centurion® Lounge, Unlimited Delta Sky Club® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express® App or visit http://www.americanexpress.com/findalounge#/loungefinder.</li> <li class="financial-product-card__product-details__list-item">$155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.</li> <li class="financial-product-card__product-details__list-item">$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.</li> <li class="financial-product-card__product-details__list-item">$200 Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.</li> <li class="financial-product-card__product-details__list-item">$199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.</li> <li class="financial-product-card__product-details__list-item">Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.</li> <li class="financial-product-card__product-details__list-item">Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.</li> <li class="financial-product-card__product-details__list-item">Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.</li> <li class="financial-product-card__product-details__list-item">$695 annual fee.</li> <li class="financial-product-card__product-details__list-item">Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.</li> <li class="financial-product-card__product-details__list-item">Terms Apply.</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e78df992d654f251532f27d" data-analytics-product-brand="American Express" data-analytics-product-name="The Platinum Card® from American Express" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-american-express-cards" data-analytics-product-module="body_link" rel="">American Express issues personal and small-business cards</a> that earn Membership Rewards points. Here are the personal options:</p><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Card</strong></td><td class="headline-regular headline-semibold">Welcome bonus offer</td><td class="headline-regular headline-semibold">Review</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">The Platinum Card® from American Express</td><td colspan="1" rowspan="1" class="headline-regular">80,000 Membership Rewards® points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/american-express-platinum-credit-card-review" data-analytics-product-module="tables" rel="">Amex Platinum card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">American Express® Gold Card</td><td colspan="1" rowspan="1" class="headline-regular">60,000 Membership Rewards® points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-gold-card-review" data-analytics-product-module="tables" rel="">Amex Gold card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">American Express® Green Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about the American Express® Green Card has been collected independently by Business Insider." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </strong></td><td colspan="1" rowspan="1" class="headline-regular">60,000 points after you spend $3,000 on purchases in the first six months of card membership and earn 20% back on eligible travel and transit purchases, up to a total of $200 back, made during your first six months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-green-card-review" data-analytics-product-module="tables" rel="">Amex Green card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Amex EveryDay® Credit Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about Amex EveryDay® Credit Card from American Express has been collected independently by Business Insider. This card is no longer accepting applications." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </strong></td><td colspan="1" rowspan="1" class="headline-regular">10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-everyday-credit-card-review" data-analytics-product-module="tables" rel="">Amex EveryDay card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold"><strong class="headline-regular">Amex EveryDay® Preferred Credit Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about Amex EveryDay Preferred Card has been collected independently by Business Insider. This card is no longer accepting applications." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </strong></td><td colspan="1" rowspan="1" class="headline-regular">15,000 points after you spend $2,000 on purchases in the first six months of account opening <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-everyday-preferred-card-review" data-analytics-product-module="tables" rel="">Amex EveryDay Preferred card review</a></td></tr></tbody></table></div><p>And these small-business cards earn Membership Rewards points:</p><div class="horizontal-scroll"><table style="min-width: 75px" class="table-content"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody class="table-content-body"><tr><td class="headline-regular headline-semibold"><strong class="headline-regular headline-semibold">Card </strong></td><td class="headline-regular headline-semibold">Welcome bonus offer</td><td class="headline-regular headline-semibold">Review</td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">The Blue Business® Plus Credit Card from American Express</td><td colspan="1" rowspan="1" class="headline-regular">15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first three months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-blue-business-plus-credit-card-review" data-analytics-product-module="tables" rel="">Amex Blue Business Plus card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">The Business Platinum Card® from American Express</td><td colspan="1" rowspan="1" class="headline-regular">150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the card within the first three months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-platinum-card-review" data-analytics-product-module="tables" rel="">Amex Business Platinum card review</a></td></tr><tr><td colspan="1" rowspan="1" class="headline-regular headline-semibold">American Express® Business Gold Card</td><td colspan="1" rowspan="1" class="headline-regular">100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the card within the first three months of card membership <span>(Terms Apply)</span></td><td colspan="1" rowspan="1" class="headline-regular"><a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/amex-business-gold-card-review" data-analytics-product-module="tables" rel="">Amex Business Gold card review</a></td></tr></tbody></table></div><h3 id="d704fc76-0747-4680-87d9-a736882a7e74" data-toc-id="d704fc76-0747-4680-87d9-a736882a7e74">Chase Ultimate Rewards</h3><p>Similarly, Chase issues a number of personal and small-business cards that earn transferable points.</p><p>If you have the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or the Ink Business Preferred® Credit Card, you can augment your stash of rewards by <a target="_blank" href="https://www.businessinsider.com/personal-finance/how-to-transfer-chase-ultimate-rewards-points" data-analytics-product-module="body_link" rel="">combining points</a> from your no-annual-fee Chase cards (including the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-flex-credit-card-review" data-analytics-product-module="body_link" rel="">Chase Freedom Flex®</a>, <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-freedom-unlimited-review" data-analytics-product-module="body_link" rel="">Chase Freedom Unlimited®</a>, <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-unlimited-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Unlimited® Credit Card</a>, and <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/chase-ink-business-cash-credit-card-review" data-analytics-product-module="body_link" rel="">Ink Business Cash® Credit Card</a>). From there, you can transfer all of your rewards to airline and hotel partners, or redeem them at a higher rate through the Chase Travel Portal.</p><h3 id="0c7d3d3a-f977-456a-91b8-db0c0854cf8f" data-toc-id="0c7d3d3a-f977-456a-91b8-db0c0854cf8f">Citi ThankYou Rewards</h3> <div id="citi-strata-premier℠-card" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Citi Strata Premier℠ Card</div> <div class="financial-product-card__cta-container"> </div> <div> <div class="financial-product-card__card-image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/664506ad9fc063e829b165ca?width=400" alt="Citi Citi Strata Premier℠ Card"> <noscript> <img class="no-script" src="https://i.insider.com/664506ad9fc063e829b165ca?width=400" /> </noscript> </div> </div> <div class="financial-product-card__star-container" id="5e8216c32d654f76756d3cd2-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Business Insider's Ratings are decided by our editorial team. The rating system considers various factors and evaluates cards against others of the same type so you can pick a card that is a good fit for your goals.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.6196978783850708"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.6196978783850708)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.707097790143056"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.707097790143056)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.16825318368939102"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.16825318368939102)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.12385350541883855"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.12385350541883855)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9806127323227882"> <stop stop-color="#faa809" offset="60%"></stop> <stop stop-color="white" offset="60%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9806127323227882)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">4.6<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Annual Fee </strong> </div> <p class="financial-product-card__specs__text headline-regular">$95</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">N/A</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">20.24% - 28.24% Variable</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Intro Offer </strong> <div class="component rich-tooltip financial-product-card-rich-tooltip" role="tooltip" data-tooltip-position="middle"> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title></title> <desc>Info icon</desc> <path d="M8 2.218c-3.673 0-6.666 2.992-6.666 6.666 0 3.674 2.993 6.667 6.667 6.667s6.666-2.993 6.666-6.667-2.992-6.666-6.666-6.666ZM8 3.55a5.323 5.323 0 0 1 5.334 5.333 5.323 5.323 0 0 1-5.333 5.334 5.323 5.323 0 0 1-5.334-5.334 5.323 5.323 0 0 1 5.334-5.333Zm-.166 2a.5.5 0 0 0-.5.5v.333a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-.333a.5.5 0 0 0-.5-.5h-.333Zm0 2.667a.5.5 0 0 0-.5.5v3a.5.5 0 0 0 .5.5h.333a.5.5 0 0 0 .5-.5v-3a.5.5 0 0 0-.5-.5h-.333Z" fill="#76767a"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">75,000 bonus points after spending $4,000 in the first three months of account opening</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </div> <p class="financial-product-card__specs__text headline-regular">Earn 75,000 bonus points</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Recommended Credit </strong> </div> <p class="financial-product-card__specs__text headline-regular">Good to Excellent</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 6" data-analytics-product-id="5e8216c32d654f76756d3cd2" data-analytics-product-brand="Citi" data-analytics-product-name="Citi Strata Premier℠ Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>$100 annual hotel credit on a single stay of $500 or more</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No foreign transaction fees</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Trip delay/interruption benefits and lost/damaged baggage coverage</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 3"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Has an annual fee</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Citi Travel rates often are higher than retail cost of travel</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <a class="not-content-link financial-product-card__editorial-opinion__link headline-semibold" target="_blank" href="https://www.businessinsider.com/personal-finance/citi-premier-card-review" data-analytics-product-id="5e8216c32d654f76756d3cd2" data-analytics-product-brand="Citi" data-analytics-product-name="Citi Strata Premier℠ Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="read_our_review" rel=""> Citi Strata Premier℠ <span class="not-content-link financial-product-card__editorial-opinion__link-icon"> review<svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>External link Arrow</title> <desc>An arrow icon, indicating this redirects the user."</desc> <g clip-path="url(#a)"> <path d="M6.0003 4.2178V5.551h4.3934L2.667 13.2778l.94.94 7.7267-7.7267v4.3933h1.3333V4.2178H6.0003Z"></path> </g> <defs> <clipPath id="a"> <path transform="translate(0 .8848)" d="M0 0h16v16H0z"></path> </clipPath> </defs> </svg></span> </a></div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5e8216c32d654f76756d3cd2" data-analytics-product-brand="Citi" data-analytics-product-name="Citi Strata Premier℠ Card" data-analytics-product-index="2" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><p>The <a target="_blank" href="https://www.businessinsider.com/personal-finance/citi-premier-card-review" data-analytics-product-module="body_link" rel="">Citi Strata Premier℠ Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="All information about the Citi Strata Premier℠ Card has been collected independently by Business Insider and has not been reviewed by the issuer of this product." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a> allows you to transfer points to <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-thankyou-rewards-points-transfer-partners" data-analytics-product-module="body_link" rel="">Citi's airline and hotel partners</a>, and offers an excellent welcome bonus of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth around $1,200 in travel, based on our valuation of Citi points).</p><p>You can also transfer points to partners with the Citi Prestige® Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi Prestige® Credit Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> , but it's no longer taking applications.</p><p>As with other issuers, if you have either of the cards listed above and also have no-annual-fee Citi ThankYou cards such as the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-double-cash-card-review" data-analytics-product-module="body_link" rel="">Citi® Double Cash Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi® Double Cash Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a>, <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-custom-cash-card-review" data-analytics-product-module="body_link" rel="">Citi Custom Cash℠ Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi Custom Cash℠ Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a>, or <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-rewards-plus-card-review" data-analytics-product-module="body_link" rel="">Citi Rewards+® Card<span class="inline-tooltip tooltip-multiline headline-regular tooltip-product-link" data-tooltip="The information related to the Citi Rewards+® Card has been collected by Business Insider and has not been reviewed by the issuer." data-tooltip-position="top" data-component-type="inline-tooltip"><svg width="8px" height="8px" viewBox="0 0 60 60" xmlns="http://www.w3.org/2000/svg"> <title></title> <desc></desc> <g id="asterisk" stroke="none" stroke-width="1" fill="none" fill-rule="evenodd"> <path d="M29.37 0a5 5 0 014.975 4.805l.004.216-.074 17.076 16.857-9.732a5 5 0 015.196 8.542l-.196.119-16.316 9.42 16.316 9.42a5 5 0 01-4.799 8.77l-.2-.11-16.929-9.774-.07 16.27a5 5 0 01-9.996.175l-.003-.217.065-15.519-15.7 9.065a5 5 0 01-5.195-8.542l.196-.119 16.315-9.42-16.315-9.42a5 5 0 014.8-8.77l.2.11 15.776 9.11.072-16.496A5 5 0 0129.37 0z" fill="#0a0a0a"></path> </g> </svg></span> </a>, you can pool your points in your <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/citi-premier-card-review" data-analytics-product-module="body_link" rel="">Citi Strata Premier℠ Card</a> or Citi Prestige® Card account, then transfer them to partners.</p><h3 id="bbfa982e-e13e-42c9-8f44-bc387e031d04" data-toc-id="bbfa982e-e13e-42c9-8f44-bc387e031d04">Capital One Rewards</h3><p>There are multiple personal and small-business <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/best-capital-one-credit-cards" data-analytics-product-module="body_link" rel="">Capital One credit cards</a> that earn flexible miles:</p><p><strong>Note:</strong> If you have one of the cards mentioned in the tables above, you can convert cash back earned from Capital One <a target="_blank" href="https://www.businessinsider.com/personal-finance/best-cash-back-credit-cards" data-analytics-product-module="body_link" rel="">cash-back cards</a>, like the <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-savor-card-review" data-analytics-product-module="body_link" rel="">Capital One Savor Cash Rewards Credit Card</a> or <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-cards/capital-one-quicksilver-cash-rewards-credit-card-review" data-analytics-product-module="body_link" rel="">Capital One Quicksilver Cash Rewards Credit Card</a>, into Capital One miles through the "Share My Rewards" feature in your online account. You'll get 1 Capital One mile for every 1 cent you transfer.</p><h2 id="faqs" data-toc-id="0a0b483b-0f97-48df-9cfb-4de599ab9b7c" data-toc-label="FAQs" class="toc-anchor">Transferable credit card rewards frequently asked questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What makes transferable credit card rewards valuable? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Flexible rewards that transfer to airline and hotel partners can help you score first- and business-class flights worth thousands of dollars, usually for far less points or miles than it would cost you if purchased through your credit card's rewards portal.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can transferable rewards be reversed once transferred? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">No, the transfer is typically irreversible once points or miles have been converted to a loyalty program. It's usually a good idea to keep your rewards in your credit card account until you have a specific redemption in mind. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How do I choose the best transfer partner? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">If you have multiple options for redeeming the flight you want, consider additional factors such as the transfer ratio, the aircraft and route you'd fly, and any ongoing promotions that might increase the value of your transferred points.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Are there fees associated with transferring rewards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Some credit card programs may charge a nominal fee for transfers to certain travel partners, while the transaction is free on many others. </p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How often can I transfer my credit card rewards? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">You can usually transfer points as frequently as you need, as long as you meet the minimum transfer amounts set by the credit card issuer and the partner programs.</p> </div> </div> </div><iframe data-src="https://products.gobankingrates.com/pub/bcf1f183-92e6-4401-ac5f-d7b47ca8c33c?targeting[subcategory]=creditcards&resize=1&ident=99&pub_inventory=credit-cards/transferable-credit-card-points-best-rewards-to-earn-pfi-credit-cards" data-indent="99" scrolling="no" frameborder="0" width="100%" style="min-width:300px;max-height:475px;"></iframe> <script async="" type="text/javascript" id="go-banking-resize"> window.addEventListener('message', onGoBankingResize, false); function onGoBankingResize(e) { { if (e.origin === 'https://products.gobankingrates.com' && e.data) { if (e.data.source && e.data.id && undefined !== e.data.height) { var id = 'iframe[data-indent="' + e.data.id + '"]'; var chosenFrame = document.querySelector(id); if (chosenFrame) { var height = e.data.height + 'px'; chosenFrame.style.height = height; } } } } } </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/dave-slotnick-2" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="dave-slotnick-2"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5d6563e02e22af02497a8972?crop=1:1&width=256&format=jpeg&auto=webp" alt="David Slotnick"> <noscript> <img class="no-script" src="https://i.insider.com/5d6563e02e22af02497a8972?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/dave-slotnick-2" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">David E. Slotnick</div> </a> <div class="post-author_title headline-regular">Senior Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span><span>David is a Senior Transportation Reporter for Business Insider. He primarily covers airlines and air travel.</span></span> <span><span>A native New Yorker and avid photographer, David previously covered travel, credit-card rewards, and frequent-flyer programs. </span></span> <span><span>Before joining Business Insider, David was a freelance writer and editor — before that, he worked in public affairs.</span></span> <span><span>He earned his bachelor's degree from Muhlenberg College and his master's from the University of Edinburgh in Scotland, UK.</span></span> <span><span>You can follow him on <a href="https://twitter.com/david_slotnick" rel=" nofollow">Twitter</a> or <a href="https://www.instagram.com/david_slotnick/" rel=" nofollow">Instagram</a>, or send him an e-mail at <a href="mailto:dslotnick@businessinsider.com" rel=" nofollow">dslotnick@businessinsider.com</a>.</span></span> <span></span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="tessa-campbell"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" alt="Tessa Campbell"> <noscript> <img class="no-script" src="https://i.insider.com/6494561e65b9ce0018a46b81?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/tessa-campbell" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Tessa Campbell</div> </a> <div class="post-author_title headline-regular">Investing and Retirement Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Tessa Campbell is an investing and retirement reporter on Business Insider’s personal finance desk. Over two years of personal finance reporting, Tessa has built expertise on a range of financial topics, from the best credit cards to the best retirement savings accounts.</span>Experience<span>Tessa currently reports on all things investing — deep-diving into complex financial topics,  shedding light on lesser-known investment avenues, and uncovering ways readers can work the system to their advantage.</span><span></span><span>As a personal finance expert in her 20s, Tessa is acutely aware of the impacts time and uncertainty have on your investment decisions. While she curates Business Insider’s guide on the best investment apps, she believes that your financial portfolio does not have to be perfect, it just has to exist. A small investment is better than nothing, and the mistakes you make along the way are a necessary part of the learning process.</span>Expertise: <span>Tessa’s expertise includes:</span><ul><li><span>Credit cards</span></li><li><span>Investing apps</span></li><li><span>Retirement savings</span></li><li><span>Cryptocurrency</span></li><li><span>The stock market</span></li><li><span>Retail investing</span></li></ul>Education: <span>Tessa graduated from Susquehanna University with a creative writing degree and a psychology minor.</span><span>When she’s not digging into a financial topic, you’ll find Tessa waist-deep in her second cup of coffee. She currently drinks Kitty Town coffee, which blends her love of coffee with her love for her two cats: Keekee and Dumpling. It was a targeted advertisement, and it worked.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/654be4c936d588dc55cd46e3":{"contentType":"image/png","aspectRatioW":1150,"aspectRatioH":304}}" alt="Sofi logo"> <noscript> <img class="no-script" src="https://i.insider.com/654be4c936d588dc55cd46e3?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> SoFi® Checking and Savings (Member FDIC) </a> <span class="headline-semibold featured-product-sub-heading"> Earn up to a $300 bonus with qualifying direct deposits for eligible customers through 1/31/2026. Earn up to 3.80% APY on savings balances (including Vaults) with direct deposit or qualifying deposit. <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://secure.money.com/pr/u8327de6ed05" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="SoFi® Checking and Savings (Member FDIC)" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> Start Saving </a> </div> </div> </div> </div> </div> </div> </section> <aside class="headline-regular financial-disclaimer non-affiliate-disclosure">The information for the following product(s) has been collected independently by Business Insider: Chase Freedom Flex®, American Express® Green Card, Amex EveryDay® Credit Card, Amex EveryDay® Preferred Credit Card, Citi Strata Premier℠ Card, Citi Prestige® Card, Citi® Double Cash Card, Citi Custom Cash℠ Card, Citi Rewards+® Card. The details for these products have not been reviewed or provided by the issuer.</aside> <section class="category-tagline body-italic"> <div> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the American Express® Gold Card, please click <a href="https://oc.brcclx.com/t/?lid=26673862&cr=28353&last_updated=1598923399" target="_blank" rel="nofollow" >here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of The Platinum Card® from American Express, please click <a href="https://oc.brcclx.com/t/?lid=26675223&cr=28377&last_updated=1598926898" target="_blank" rel="nofollow" >here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of The Business Platinum Card® from American Express, please click <a href="https://oc.brcclx.com/t/?lid=26675964&cr=28352&last_updated=1598922554" target="_blank" rel="nofollow">here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>For rates and fees of the American Express® Business Gold Card, please click <a href="https://oc.brcclx.com/t/?lid=26675959&cr=28366&last_updated=1598925109" target="_blank" rel="nofollow">here.</a></em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. <a href="https://www.businessinsider.com/personal-finance/personal-finance-editorial-standards">Read our editorial standards</a>.</em></p><p style="font-size:14px;"><em>Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.</em></p><p style="font-size:14px;"><em>**Enrollment required.</em></p></p> <p class="body-italic"><p style="font-size:14px;"><em>***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.</em></p><p style="font-size:14px;"><em>For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.</em></p></p> </div> </section></div> </div> <section class="post-content-more"> <div class="inline-newsletter-signup headline-regular loading insider-today" id="formContainer" data-component-type="inline-newsletter-module" data-event-label="insider_today" data-newsletter-id="1" data-newsletter-title="Business Insider Today" data-acq-source="personalfinanceverticalinline" data-track-view={"subscription_experience":"bi_value_unassigned","product_field":"bi_value_unassigned","element_name":"inline_newsletter"} > <section class="inline-newsletter-content"> <div class="inline-newsletter-insider-today-header"> <div> <div class="inline-newsletter-logo-tag"> <div class="inline-newsletter-logo"> <div class="lazy-holder lazy-holder has-transparency" style="padding-top: calc(100% * 24 / 318)" > <img class="lazy-image has-transparency" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src='/public/assets/BI/US/logos/newsletters/business-insider-today.svg' alt="Business Insider Today" /> <noscript> <img class="no-script" src="/public/assets/BI/US/logos/newsletters/business-insider-today.svg" /> </noscript> </div> </div> </div> <div class="newsletter-signup-header" id="signUpHeader" > Get the inside scoop on today's big stories<span class="homepage-newsletter-description-desktop"> - delivered daily</span>. </div> </div> </div> <div class="js-loader hidden"><svg class="svg-icon " version="1.1" xmlns="http://www.w3.org/2000/svg" role="img" width="50" height="50" viewBox="0 0 50 50" style="enable-background:new 0 0 50 50;" xml:space="preserve"> <path fill="#0a0a0a" d="M43.935,25.145c0-10.318-8.364-18.683-18.683-18.683c-10.318,0-18.683,8.365-18.683,18.683h4.068c0-8.071,6.543-14.615,14.615-14.615c8.072,0,14.615,6.543,14.615,14.615H43.935z"> <animateTransform attributeType="xml" attributeName="transform" type="rotate" from="0 25 25" to="360 25 25" dur="0.6s" repeatCount="indefinite"/> </path> </svg></div> <div class="error-request-message headline-regular hidden"></div> <div class="success-container__desktop d-none"> <div class="success-message-container"> <div class="success-message headline-semibold"> Thanks for signing up! </div> <div class="success-sub-message headline-semibold">Look out for your first newsletter with today's big story in your inbox soon.</div> </div> </div> <div class="success-container__mobile d-none"> <div class="success-message headline-semibold">Thanks for signing up!</div> <div class="success-sub-message headline-regular"> Access your favorite topics in a personalized feed while you're on the go. <button class="rounded-button headline-semibold blue-button download" type="blue" > Download the app </button> </div> </div> <div id="account-creation-component" data-element-name="inline_newsletter" data-load-markup="inline-newsletter-module/account-creation/template"> </div> <form id="emailCapture" action="javascript:void(0);" method="POST" novalidate > <div class="flex-parent"> <div class="user-input-container"> <label id="focusedLabel" class="headline-regular" for="newsletter-module-email" >Email address</label> <input class="headline-regular" type="email" autocapitalize="off" name="newsletter-module-email" id="newsletter-module-input" placeholder="Enter your email" autocomplete="email" required="required" /> </div> <div class="submit-container headline-semibold"> <button class="rounded-button headline-semibold blue-button inline-newsletter-submit" type="blue" > Sign up </button> </div> </div> <div class="mobile-error-msg error-msg hidden headline-regular"></div> <div class="desktop-error-msg error-msg hidden headline-regular"></div> <div class="sign-up-tos headline-regular" id="nlTos" > By clicking “Sign Up”, you agree to receive emails from Business Insider. 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<div class="featured-product-image-placeholder"></div> <div class="featured-product-hgroup"> <div class="featured-product-placeholder-block"> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> </div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> <div class="featured-product-text-placeholder"></div> </div> <div class="featured-product-cta"> <div class="featured-product-link featured-product-link-placeholder">Loading...</div> <div class="featured-product-text-placeholder"></div> </div> </div> </div> </aside> </section> </section> <div class="pw-modal-entry"></div> <div class="pw-modal-backdrop"></div> </section> <div data-notify-wrapper class="notify-wrapper"> <span data-notify-close class="notify-close icon-close"></span> <span class="icon-check"></span> <span data-notify-message class="notify-message"></span> </div> 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