8 verified picks · Editorial ranking
Best Cards for Transferable Points
Chase UR, Amex MR, Citi TY, Capital One, and Bilt — the most flexible currencies.
All best-of guides
8 cards ranked by sign-up bonus value
Each card is verified against the issuer's own page monthly. Ratings are editorial, not affiliate-driven.
1
The Platinum Card from Amex
American Express
175,000 points · $895 annual fee
$3,500
bonus value
2
Capital One Venture Business
Capital One
Up to 150,000 miles · $95 annual fee
$2,775
bonus value
3
Chase Sapphire Reserve
Chase
125,000 points · $795 annual fee
$2,500
bonus value
4
American Express Gold Card
American Express
100,000 points · $325 annual fee
$2,000
bonus value
5
Chase Ink Business Preferred
Chase
100,000 points · $95 annual fee
$2,000
bonus value
6
Chase Ink Business Premier
Chase
100,000 points · $195 annual fee
$2,000
bonus value
7
Chase Sapphire Preferred
Chase
75,000 points · $95 annual fee
$1,500
bonus value
8
Citi Strata Elite Card
Citi
75,000 points · $595 annual fee
$1,350
bonus value
Editorial standards: we rank cards by realized travel value (not chart-floor pricing). Sign-up bonus dollar value uses our conservative cents-per-point methodology, read the full CPP framework for why our numbers run lower than competitor rankings.