Transferable points are the most flexible kind: you can move them to an airline or hotel program when an award seat or room is worth more than the cash price. Transfers are usually one-way and final, so only transfer once you've found the award you want.
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The picks
Chase Sapphire Preferred® Card
Annual fee$95Foreign transaction fee$0 (none)
A strong partner list that includes United, Southwest, Hyatt and Marriott, for a $95 annual fee.
Earning
- 5x points on travel purchased through Chase Travel
- 3x on dining, gas stations, EV charging and vacation homes at select top brands
- 3x on select streaming services and online grocery (excludes Target, Walmart and wholesale clubs)
- 2x on other travel, 1x on everything else
Worth knowing
- Points transfer to 10 airline and 4 hotel programs, including United, Southwest, Air Canada Aeroplan, Flying Blue, British Airways, Singapore KrisFlyer, World of Hyatt, Marriott Bonvoy and IHG
- Up to $100 a year in statement credits for hotels booked through Chase Travel
- Up to $120 every four years toward Global Entry, TSA PreCheck or NEXUS
- Trip cancellation/interruption cover up to $10,000 per covered traveler and $20,000 per trip; primary rental-car coverage (secondary inside the US for New York residents)
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Chase page on October 22, 2026. Terms apply.
Citi Strata Premier® Card
Annual fee$95Foreign transaction fee$0 (none)
One of the few cards that transfers to American Airlines, plus JetBlue and several international airlines.
Earning
- 10 points per $1 on hotels, car rentals and attractions booked on cititravel.com
- 3 points per $1 on air travel and other hotels, restaurants, supermarkets, and gas and EV charging
- 1 point per $1 on other purchases
Worth knowing
- Transfer ThankYou points to American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA Air, Choice Hotels, The Leading Hotels of the World and others (minimum 1,000 points)
- $100 off one $500+ hotel stay a year booked through cititravel.com
- No fee for authorized users
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Citi page on October 22, 2026. Terms apply.
American Express® Gold Card
Annual fee$325Foreign transaction fee$0 (none)
Lists 20 airline and hotel partners, and earns 4X at restaurants and U.S. supermarkets (annual caps apply).
Earning
- 4X points at restaurants worldwide (on up to $50,000 a year, then 1X)
- 4X at U.S. supermarkets (on up to $25,000 a year, then 1X)
- 3X on flights booked directly with airlines or on AmexTravel.com; 5X on prepaid hotels via AmexTravel.com
- 1X on other eligible purchases
Worth knowing
- Transfer points to 20 airline and hotel partners
- Up to 5 additional cards with no annual fee
- Monthly dining, Uber Cash and Dunkin' credits (enrollment required for some)
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official American Express page on October 22, 2026. Terms apply.
Capital One Venture X Rewards Credit Card
Annual fee$395Foreign transaction fee$0 (none)
Transfers to 15+ programs and includes lounge access for primary cardholders; the $395 fee is offset only if you use its travel benefits.
Earning
- 10X miles on hotels and rental cars booked through Capital One Travel
- 5X miles on flights and vacation rentals booked through Capital One Travel
- 2X miles on all other purchases
Worth knowing
- Primary cardholders can use Capital One Lounges and 1,300+ Priority Pass lounges (enrollment required; access subject to space)
- Transfer miles to 15+ travel loyalty programs
- You can add cardholders to the account; check the issuer's terms for which benefits they get
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Capital One page on October 22, 2026. Terms apply.
Bilt Obsidian Card
Annual fee$95Foreign transaction fee$0 (none)
Bilt Points transfer 1:1 to 28 partners, and you can earn on rent or mortgage with no transaction fee.
Earning
- Up to 1.25X on rent and mortgage with no transaction fee
- 3X on dining or grocery (your choice; grocery up to $25k a year)
- 4X hotels and 3X flights on the Bilt Travel Portal; 2X other travel
Worth knowing
- $100 a year in Bilt Travel hotel credit (two $50 credits)
- Trip cancellation/interruption and trip delay protection
- Points transfer 1:1 to 28 partners
Welcome offers vary by where you apply and change often, so we don't list amounts. Details checked on the official Bilt page on October 22, 2026. Terms apply.
Points or cash? A quick check
- Find the cash fare on Fareroo.
- Find the award price (points + taxes) in the partner program.
- Divide (cash fare − award taxes) by the points needed. That's what each point is worth on this trip.
- If that's low, pay cash and save points for an expensive trip.
Questions people ask
Are point transfers reversible?
Generally no. Once points move to an airline or hotel program, that program's rules apply. Capital One, for example, says that once transfers are final, the receiving loyalty program's terms apply.
Which card has the most transfer partners?
Partner lists change. On the pages we checked: Bilt lists 28 partners, Amex lists 20 for the Gold Card, Capital One says 15+ for Venture X, and Chase lists 14 for Sapphire Preferred.
More card guides
Not financial advice. Fareroo is a travel-deals site, not a financial adviser, bank or lender. This page is general information to help you compare options; it doesn't consider your finances. A credit card only pays off if you pay the balance in full every month: interest and fees can quickly cost more than any rewards. Approval and terms are decided by the issuer. Never open a card just to chase a bonus you can't earn with normal spending.