Travel Rewards Credit Cards for Miles & Points

Chase Sapphire Preferred® Credit Card

JPMorgan Chase Bank, N.A. (Chase)

Chase Ultimate Rewards® points

$95 annual membership fee.

Selected earning categories

• 5x points on travel purchased through Chase Travel.
• 3x points on dining.
• 2x points on all other travel (distinct from travel purchased through Chase Travel).

Selected travel benefits

• Up to $100 in hotel statement credits each account anniversary year for hotel stays purchased through Chase Travel. Qualifying hotel-credit purchases do not earn rewards points; the credit resets on the account anniversary and unused value is forfeited.
• Trip Cancellation and Interruption Insurance is for covered reasons, up to $10,000 per covered traveler and $20,000 per trip, subject to the guide’s terms; the covered traveler must charge all or part of trip cost to the covered card and/or use redeemable rewards.

Foreign transaction fee: None.

Transferable points: Yes

Explore the transfer guide

Current welcome offer: See issuer for current offer

Facts checked: 2026-10-14

Read full details for Chase Sapphire Preferred® Credit Card

Rates and fees (new tab)

• Chase Sapphire Preferred® Credit Card (new tab)
• Pricing Information (new tab)
• Chase Sapphire Preferred® with Ultimate Rewards® Program Agreement (new tab)
• Guide to Benefits — Chase Sapphire Preferred®, Visa Signature® (new tab)
• How to use the $100 annual Chase Travel℠ hotel credit with Chase Sapphire Preferred® (new tab)

Chase Sapphire Reserve® Credit Card

JPMorgan Chase Bank, N.A.

Chase Ultimate Rewards® points

$795 annual membership fee.

Selected earning categories

• 8 points per $1 spent on purchases made using the card through Chase Travel. This is the portal rate; if part of a Chase Travel purchase is paid with points, only the card-paid portion earns points.
• 4 points per $1 spent on flights and hotels booked direct; bookings through a Reserve Travel Designer or FROSCH earn this rate only when booked directly with the airline or hotel.
• 3 points per $1 spent on dining at restaurants, including takeout and eligible delivery services.

Selected travel benefits

• Up to $300 in statement credits for qualifying travel purchases each account-anniversary year. Purchases qualifying for this credit do not earn points.
• For The Edit by Chase Travel, up to $250 per qualifying prepaid “Pay Now” stay, up to $500 per calendar year; qualifying stays must be at least two nights, and the credited portion does not earn points.

Foreign transaction fee: None.

Lounge access: Primary Sapphire Reserve cardmembers and authorized users have access to all Chase Sapphire Lounge by The Club locations, 1,300+ Priority Pass airport lounges, and select Air Canada Maple Leaf Lounges and Air Canada Cafés. Priority Pass Select is automatically activated; the terms allow up to two accompanying guests at Priority Pass lounges, subject to terms and capacity.

Transferable points: Yes

Explore the transfer guide

Current welcome offer: See issuer for current offer

Facts checked: 2026-10-14

Read full details for Chase Sapphire Reserve® Credit Card

Rates and fees (new tab)

• Chase Sapphire Reserve® Credit Card (new tab)
• Pricing Information — Chase Sapphire Reserve (new tab)
• Chase Sapphire Airport Lounge Network (new tab)
• Chase Sapphire Reserve® Terms and Conditions (new tab)
• Chase Sapphire Reserve® with Ultimate Rewards® Program Agreement (new tab)

The Platinum Card®

American Express National Bank

American Express Membership Rewards® points

$895 annual fee for a Basic Card.

Selected earning categories

• 5X Membership Rewards® points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 of those purchases per calendar year.
• 5X Membership Rewards® points on prepaid hotels booked through AmexTravel.com.
• 1X Membership Rewards® points on other purchases (terms and limitations apply).

Selected travel benefits

• Trip Delay Insurance may reimburse certain additional expenses when a round trip is paid entirely with the eligible Card and a covered reason delays the trip more than six hours, subject to terms, conditions, and limitations.

Foreign transaction fee: None.

Lounge access: Global Lounge Collection® access includes Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and select partner lounges; American Express states over 1,550 lounges as of 01/2026.

Transferable points: Yes

Explore the transfer guide

Current welcome offer: See issuer for current offer

Facts checked: 2026-10-14

Read full details for The Platinum Card®

Rates and fees (new tab)

• Platinum Card® (new tab)
• Consumer and Small Business Card Agreements (new tab)
• Card Member Agreement: Part 1 of 3 — Rates and Fees Table (new tab)
• Membership Rewards® Program Terms and Conditions (new tab)
• How do I transfer Membership Rewards® points? (new tab)

Venture X

Capital One

Capital One rewards miles

$395 annual fee.

Selected earning categories

• Unlimited 10X miles on hotels and rental cars booked through Capital One Travel.
• Unlimited 5X miles on flights and vacation rentals booked through Capital One Travel.
• Unlimited 2X miles on all other purchases, every day.

Selected travel benefits

• Eligible Premier Collection or Lifestyle Collection hotel/vacation-rental booking benefits require booking through Capital One Travel in the eligible cardholder’s name, with the cardholder part of the traveling party; participating properties and benefits are subject to change, and a hotel may require a minimum stay.

Foreign transaction fee: No foreign transaction fees; Capital One states that no transaction fee is charged for purchases outside the United States.

Lounge access: Primary cardholders can access Capital One Lounge and Landing locations and 1,300+ participating Priority Pass lounges worldwide. Priority Pass enrollment is required; access is not guaranteed and is subject to space availability.

Transferable points: Yes

Explore the transfer guide

Current welcome offer: See issuer for current offer

Facts checked: 2026-10-14

Read full details for Venture X

• Venture X (new tab)
• All about the Capital One Venture X credit card (new tab)
• Capital One miles transfer partners: A how-to guide (new tab)
• Capital One Lounge and Landing and Priority Pass TM Terms & Conditions (new tab)

Citi Strata Premier® Card

Citibank, N.A. (Citi)

Citi® ThankYou® Rewards points

$95 annual fee.

Selected earning categories

• 10 total ThankYou Points per $1 spent on hotel, car-rental, and attraction bookings through Citi Travel (cititravel.com or the specified booking line). For points-and-card bookings, only the card-paid portion earns; cancelled bookings do not earn points.
• 3 ThankYou Points per $1 spent on air travel and other hotel purchases; Citi defines this as airlines, hotels not booked through Citi Travel, and travel agencies.
• 3 ThankYou Points per $1 spent at restaurants, supermarkets, and gas/EV charging stations. Qualification depends on merchant-category coding and stated category exclusions; Citi determines qualifying purchases.

Selected travel benefits

• Once per calendar year, receive $100 off one hotel stay of $500 or more, excluding taxes and fees, when booked through Citi Travel. The complete stay must be prepaid with the card, ThankYou Points, or both; package rates and non-Citi Travel channels do not qualify.
• Travel protection benefits listed by Citi include Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, and MasterRental Coverage (car rental).

Foreign transaction fee: None — Citi’s current product pricing details state: “Fee for foreign purchases - None.”

Transferable points: Yes

Explore the transfer guide

Current welcome offer: See issuer for current offer

Facts checked: 2026-10-14

Read full details for Citi Strata Premier® Card

• Citi Strata Premier® Credit Card (new tab)
• CITI STRATA PREMIER® CARD TERMS AND CONDITIONS — direct access restricted; review terms through the issuer product page.
• Strata Credit Cards (new tab)
• What Citi Credit Cards Offer Airport Lounge Access? (new tab)