Best Cards for Earning Transferable Points

Why is earning transferable/flexible points so important if you want to get the most from your credit card points?

Because these points give you choices. These points can be transferred to the bank’s transfer partners. Meaning YOU can chase the best deal. If you are only earning ONE type of hotel points or ONE type or airline points – you don’t have flexibility – you need to use those points to book with that airline or that hotel.

The 2 cards below have excellent earning potential, fantastic transfer partners AND great travel protections. They are 2 cards I would recommend to anyone wanting to get more from their credit card points…

FAVORITE PERSONAL CARD – BEST TRANSFER PARTNERS

If you’ve been thinking about jumping in… this is the card I recommend starting with:

Learn how to apply »

Chase Sapphire Preferred® Card

Earn 75,000 points

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

Annual Fee $95 Chase Ultimate Rewards® Terms Apply

Chase Sapphire Preferred® Card
Key points:

THIS card will allow you to transfer Chase Ultimate Reward points (incredibly necessary to get the BEST redemptions)
Personal card with $95 annual fee
3x back on dining, streaming, online grocery (doesn’t include Target, Sam’s club, etc, must code as grocery) **Dining & grocery are 2 of our highest spends so we LOVE using this card for those!
Fantastic travel protections and PRIMARY car rental insurance
Chase points are the MOST valuable in my opinion because they can have HUGE redemptions when transferred to Hyatt for hotel stays or when transferred to an airline transfer partner for International flights

WHERE CAN YOU TRANSFER THESE POINTS

AIR:

Aer Lingus (AerClub)
Air Canada (Aeroplan)
British Airways
Emirates
Air France/KLM (Flying Blue)
Iberia
JetBlue
Singapore Airlines (KrisFlyer)
Southwest
United
Virgin Atlantic

Hotels:

IHG
Marriott Bonvoy
Hyatt

FAVORITE PERSONAL CARD – 2x on Everything

Once you see the mega value your credit card points can earn, you never want to settle for earning 1x per dollar again. This is one reason this card is always in my wallet! 2x on everything, unlimited!

Learn how to apply »

Capital One Venture X Rewards Credit Card

75,000 miles

Earn 75,000 miles after spending $4,000 on purchases in the first 3 months from account opening

Annual Fee $395 Venture Miles Terms Apply

Capital One Venture X Rewards Credit Card
Key points:

Personal card with $395 annual fee – easily offset by fantastic card benefits
$300 travel credit for travel booked in Capital One travel portal
10K bonus Capital One miles every anniversary
LOUNGE access – Primary cardholder has access to Capital One lounges and participating Priority Pass™ lounges, after enrollment
PRIMARY car rental insurance
Receive up to a $100 credit for Global Entry or TSA PreCheck®

WHERE CAN YOU TRANSFER THESE POINTS

Aeromexico – Club Premier
Air Canada – Aeroplan®
ALL – Accor Live Limitless
Air France-KLM – Flying Blue
Cathay
Avianca LifeMiles
British Airways Executive Club
Choice Privileges® (US accounts)
Emirates Skywards
Etihad Airways – Etihad Guest
Eva Air
Finnair
JetBlue
Qantas
Qatar
Singapore Airlines – KrisFlyer
TAP Miles&Go
Turkish Airlines – Miles & Smiles
Virgin Red
Wyndham Rewards

MORE RESOURCES

Not sure how to transfer points? I’ve got you covered with step by steps here.
Want to learn more about credit card points and using the for travel? Check out my FREE guide.

Thank you for supporting my small business! When you use my affiliate links to apply for a credit card, I earn a commission from the bank. But you still get the same great offer! And this helps me keep my guides and personal help free.

Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.