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Points tool

The card that actually gets you the flight

Pick the airline you fly. We rank the transferable-points cards by what their points are worth on that airline today — transfer ratios, live bonuses and fees, each with the date we checked it. No affiliate links; nothing here pays to move up.

Illustrative cards and bonuses, written for this build · US-issued cards

Which airline do you actually fly?

Partner programs — Aeroplan, LifeMiles, Turkish — often price the same United seat below United's own rate.

  1. Citi Strata Premier

    Best today

    Citi ThankYou Points

    Transfer to Avianca LifeMiles at 1:1 +25% through Oct 15

    60,000-point offer ≈ 75,000 LifeMiles

    1,000 pts → 1,250 LifeMiles

    Annual fee
    $95
    Earns
    3x on air travel, hotels, gas and groceries
    Checked
    Aug 8

  2. Amex Platinum

    American Express Membership Rewards

    Transfer to Air Canada Aeroplan at 1:1

    80,000-point offer ≈ 80,000 Aeroplan points

    1,000 pts → 1,000 Aeroplan points

    Annual fee
    $695
    Earns
    5x on flights booked with the airline
    Checked
    Aug 8

  3. Capital One Venture X

    Capital One Capital One Miles

    Transfer to Air Canada Aeroplan at 1:1

    75,000-point offer ≈ 75,000 Aeroplan points

    1,000 pts → 1,000 Aeroplan points

    Annual fee
    $395
    Earns
    2x on everything
    Checked
    Aug 8

  4. Chase Sapphire Preferred

    Chase Ultimate Rewards

    Transfer to United MileagePlus at 1:1

    60,000-point offer ≈ 60,000 United miles

    1,000 pts → 1,000 United miles

    Annual fee
    $95
    Earns
    2x on travel, 3x on dining
    Checked
    Aug 8

  5. Amex Gold

    American Express Membership Rewards

    Transfer to Air Canada Aeroplan at 1:1

    60,000-point offer ≈ 60,000 Aeroplan points

    1,000 pts → 1,000 Aeroplan points

    Annual fee
    $325
    Earns
    4x at restaurants and U.S. supermarkets
    Checked
    Aug 8

  6. Chase Sapphire Reserve

    Chase Ultimate Rewards

    Transfer to United MileagePlus at 1:1

    60,000-point offer ≈ 60,000 United miles

    1,000 pts → 1,000 United miles

    Annual fee
    $550
    Earns
    3x on travel and dining
    Checked
    Aug 8

  7. Bilt Mastercard

    Bilt Bilt Points

    Transfer to Turkish Miles&Smiles at 1:1

    No welcome offer

    1,000 pts → 1,000 Turkish miles

    Annual fee
    $0
    Earns
    1x on rent with no fee — the only card that does
    Checked
    Aug 8

The deal in “card deals”

Transfer bonuses live right now

A transfer bonus moves a currency’s value by 25–40% for a few weeks, then vanishes. These are the ones running today — when one ends, it leaves this page the same day, unprompted.

  • +30%

    American Express Membership Rewards British Airways Executive Club

    On top of
    1:1 transfers
    Runs through
    Sep 30
    Checked
    Aug 8
  • +25%Ends in 2 days

    Capital One Capital One Miles Air France–KLM Flying Blue

    On top of
    1:1 transfers
    Runs through
    Aug 31
    Checked
    Aug 8
  • +25%

    Citi ThankYou Points Avianca LifeMiles

    On top of
    1:1 transfers
    Runs through
    Oct 15
    Checked
    Aug 8

How this board ranks

  • Ranked by arithmetic — transfer ratio × today’s bonus, then the welcome offer in the airline’s own miles, then the annual fee. Every rank is reproducible with a calculator.
  • Every number carries the date we checked it against the issuer’s own page. Board data as of Aug 8.
  • A bonus leaves this page the day it ends. The board re-renders itself every six hours, so nothing shown here has expired.
  • No affiliate links. No card pays to be here, and none can pay to move up.

This board answers the card question on its own. It gets better inside Blame the Fare: tell a Watch your point balances and the alert that wakes you already knows whether your points cover the fare — and which card’s.

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