Why Your Card Choice Matters More Than Ever
Airlines are charging more for award flights, but the right credit card can still get you to Europe for 30,000 miles or to Asia for 45,000. In, the best strategy is to earn flexible points that transfer to multiple airlines. That way, you're never locked into one program.
We tested cards across four categories: big sign-up bonuses, everyday spending, premium perks, and no annual fee. Here’s what stood out.
Best for a Huge Sign-Up Bonus: Chase Sapphire Preferred
The Chase Sapphire Preferred is still the gold standard. Right now, you can earn 60,000 Ultimate Rewards points after spending $4,000 in the first 3 months. That’s worth $750 toward travel when booked through Chase Travel.
Points transfer 1:1 to United, Southwest, British Airways, and more. The $95 annual fee is offset by a $50 hotel credit each year. If you only get one card, this is it.
Best for Everyday Spending: Amex Gold Card
If you buy groceries and dine out, the Amex Gold Card is hard to beat. You earn 4x points at restaurants and U.S. supermarkets, plus 3x on flights booked directly with airlines.
That’s 4 points per dollar on a $800 monthly grocery bill — that’s 38,400 points a year. The $250 annual fee looks scary, but the $120 dining credit and $120 Uber Cash cut it down to $10 effectively. Just remember: Amex points transfer to Delta, Air France, and Virgin Atlantic.
Best No-Annual-Fee Option: Capital One VentureOne
Not everyone wants to pay a fee. The Capital One VentureOne earns 1.25x miles on every purchase, with no annual fee and no foreign transaction fees.
It’s not flashy, but it’s solid for a starter card. Plus, miles transfer to over 15 airlines, including Air Canada and Avianca. You can also redeem for statement credits at 1 cent per mile, so you’re never stuck with useless points.
Best for Premium Perks: Platinum Card from Amex
If you fly business or first class more than twice a year, the Amex Platinum is worth the $695 annual fee. You get 5x points on flights (direct or through Amex Travel), plus $200 in airline fee credits and $200 in Uber Cash.
But the real value is lounge access: Centurion, Delta Sky Clubs (when flying Delta), and Priority Pass. That’s free drinks and meals on every trip. We calculated the perks at over $1,200 in value if you use them all.
How to Choose the Right Card for You
Start by looking at your biggest spending category. If it’s groceries and dining, get the Amex Gold. If it’s everything else and you want flexibility, get the Chase Sapphire Preferred. If you fly one airline often, consider their co-branded card (like the Delta SkyMiles Gold) — but only if you already have a transferable points card.
A good rule: never pay an annual fee unless the perks cover it. Add up the credits and free checked bags. If it’s positive, you’re good.
Our Top Pick for Most Travelers
The Chase Sapphire Preferred wins again. The 60,000-point bonus is worth $750, the transfer partners are top-tier, and the $95 fee is easily covered by the $50 hotel credit and travel protections. Plus, you can downgrade to the no-fee Chase Freedom Unlimited after year one if you change your mind.
Apply when you have a trip in mind — you’ll use those points within months, not years. That’s how you make miles work for you.