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Travel 9 no annual fee credit cards that will earn you transferable points

19:40  15 september  2021
19:40  15 september  2021 Source:   thepointsguy.com

‘One of the most valuable hotel cards’: A review of the World of Hyatt Credit Card

  ‘One of the most valuable hotel cards’: A review of the World of Hyatt Credit Card Editor’s note: This review has been updated with the latest information. With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you …With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you keep the card and another when you spend $15,000 in a calendar year.

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Transferable points are some of the most valuable rewards currencies in the travel world. The best ways to redeem these points is typically to book travel or to transfer them to airline and hotel partners. While there are many attractive rewards credit cards with annual fees, today we’ll focus solely on no-fee credit cards that earn transferable points to help you start accruing travel rewards at minimal cost.

Earn 60k American Airlines miles with one purchase: Review of the AAdvantage Aviator Red World Elite Mastercard

  Earn 60k American Airlines miles with one purchase: Review of the AAdvantage Aviator Red World Elite Mastercard Editor’s note: This post has been updated with the latest credit card information. AAdvantage Aviator Red World Elite Mastercard overview The AAdvantage Aviator Red World Elite Mastercard is a solid choice for American Airlines flyers looking for elite-like perks and a strong welcome bonus. The modest $99 annual fee can easily be offset by perks like a first …The AAdvantage Aviator Red World Elite Mastercard is a solid choice for American Airlines flyers looking for elite-like perks and a strong welcome bonus. The modest $99 annual fee can easily be offset by perks like a first checked bag free and in-flight discounts.

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Personal no-fee credit cards that earn transferable points

Six personal cards made our list for the best no-fee credit cards that earn transferable points. These cards earn a variety of rewards while providing numerous other benefits for cardholders.

The Amex EveryDay® Credit Card from American Express

a bunch of items that are on a table: (Photo by Eric Helgas for The Points Guy) © The Points Guy (Photo by Eric Helgas for The Points Guy)

American Express designed this card to be used for everyday expenses. It earns 2 Membership Rewards points per dollar on the first $6,000 you spend at U.S. supermarkets per calendar year and 1 point per dollar after, as well as on other eligible purchases. You can also earn 2 points per dollar when booking prepaid hotel stays, vacation packages, and cruises through Amex Travel. To encourage regular use of the card, you’ll receive a 20% bonus on the points earned when you use the card for 20 or more transactions in a billing period.

Pandemic-era devaluations: What’s happened to frequent flyer miles and what may come next

  Pandemic-era devaluations: What’s happened to frequent flyer miles and what may come next In regards to points and miles, one major concern I had in the height of the COVID-19 pandemic was devaluations. Airlines were — and to an extent, still are — giving away miles like crazy. We saw great mileage sales, higher-than-ever credit card sign-up bonuses and more transfer bonuses than ever before. Plus, those who were …Many of these things are still ongoing. On the transferable points side, many credit cards are offering super high sign-up bonuses. Cards like the Chase Sapphire Preferred Card and Citi Premier® Card are still offering their best-ever bonuses, which offer enough miles to fly almost anywhere in the world in business class.

New cardholders can earn a welcome bonus of 10,000 points after making $1,000 in purchases within three months of opening their account. The best way to redeem your Amex points is through transfer partners. The Membership Rewards program’s partners include 18 different airlines, such as ANA, JetBlue and Virgin Atlantic. You also have the option to transfer your points to three hotel chains: Hilton, Marriott and Choice Hotels.

American Express recently announced a record number of transfer bonus promotions where you can get additional miles or points when transferring to eligible partner loyalty programs.

The information for the Amex EveryDay card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to redeem American Express Membership Rewards for maximum value

Capital One VentureOne Rewards Credit Card

(Photo by Eric Heglas/The Points Guy) © The Points Guy (Photo by Eric Heglas/The Points Guy)

Capital One made its name offering fixed value cash-back cards. But now, four cards let you earn transferable miles.

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  Consult with Cards: TPG’s recommendations for a scuba diver and frequent leisure traveler Editor’s note: Consult with Cards is a weekly series where the TPG cards team helps our readers decide what their next card should be. If you would like to be a part of this series and receive a personalized consultation, email us. This week, we’re helping out TPG reader Steven Woods figure out what his next …This week, we’re helping out TPG reader Steven Woods figure out what his next card should be. He discovered the points and miles hobby within the last year but traveled quite a bit in the last five years. He even wrote in this email while on a scuba trip from St.

The Capital One VentureOne credit card earns an unlimited 1.25 miles per dollar spent on every purchase that you make with no bonus categories to worry about. Plus, you can earn 20,000 bonus miles after spending just $500 on purchases within the first three months of opening your account. There are no caps to the number of miles you can earn and the miles never expire as long as your account stays open.

Miles can be used to offset travel purchases, book travel through the Capital One travel portal, or you can transfer them to 15+ hotel and airline loyalty programs. Participating programs include British Airways, Etihad Guest, Qantas and Aeroplan.

Related: Tips and tricks to get maximum value from your Capital One miles

Chase Freedom cards

a close up of a logo: (Photo by John Gribben for The Points Guy) © Provided by The Points Guy (Photo by John Gribben for The Points Guy)

Chase has two Freedom cards to choose from – the Chase Freedom Flex and the Chase Freedom Unlimited. The Chase Freedom Flex earns 5% cash back on up to $1,500 in select categories each quarter (activation required), 5% cash back on travel booked through Chase Ultimate Rewards, 3% on restaurant and drug store purchases, and 1% on all other purchases.

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The Chase Freedom Unlimited earns 5% cash back on travel booked through Chase Ultimate Rewards, 3% on restaurant and drug store purchases, and an unlimited 1.5% cash back on other purchases. Neither carries an annual fee and each is a valuable asset when combined with other premium Chase cards (such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card and Ink Business Preferred Credit Card) to form the so-called Chase Trifecta.

Both cards are currently offering introductory terms where you can earn $200 cash back after you spend $500 on purchases within the first three months of account opening. Plus, earn 5% cash back on the first $12,000 you spend on grocery store purchases (excluding Target and Walmart purchases).

If you also carry one of the following other Chase cards: Chase Sapphire Reserve, Chase Sapphire Preferred Card or Ink Business Preferred,  you can transfer Ultimate Rewards points on a 1:1 transfer ratio to 11 airline programs (Air Canada Aeroplan, British Airways, Flying Blue, JetBlue, Emirates, Singapore Airlines, Southwest, United, Virgin Atlantic, Aer Lingus and Iberia) and three hotel programs (Hyatt, IHG, and Marriott). By doing so, you’ll get a lot more value from your points this way than you would from redeeming for cash back or gift cards.

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  Platinum card showdown: Amex Platinum vs. Amex Business Platinum Editor’s note: This post has been updated with new information. Over the past several years, we have seen premium cards evolve to attract and retain customers. Two of the top cards for premium travel and lifestyle benefits are The Platinum Card® from American Express and The Business Platinum Card® from American Express. Both have revamped …Over the past several years, we have seen premium cards evolve to attract and retain customers.

Related: How to redeem Chase Ultimate Rewards points for maximum value

Marriott Bonvoy Bold Credit Card

diagram, shape: (Photo by Eric Helgas/The Points Guy) © Provided by The Points Guy (Photo by Eric Helgas/The Points Guy)

While the other cards on this list earn flexible points, the Marriott Bonvoy Bold Credit Card earns hotel points. However, Marriott Bonvoy has one of the best airline transfer programs of any credit card,  including the others on this list.

Flexible points programs generally have a handful of partner airlines to choose from. Marriott Bonvoy has 43 current transfer partners and nearly half of them are unique to Marriott, meaning they’re not found among the airlines that partner with Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards or Capital One Miles. The transfer ratio is 3:1 in most cases, with a 5,000-mile bonus for every 60,000 points transferred.

The Bonvoy Bold card earns up to 14 points per dollar when staying at hotels participating in the Marriott Bonvoy program (including up to 10 for being a member plus an extra 3 per dollar spent at Marriott Bonvoy properties with the card, and another 1 for the complimentary Silver elite status the card confers). You’ll also earn 2 points per dollar on other travel purchases, like flights and taxis, and 1 point per dollar on other eligible purchases.

Related: Here’s what you should know before transferring Marriott points to airline miles

Citi Rewards+® Card

(Photo by John Gribben for The Points Guy) © Provided by The Points Guy (Photo by John Gribben for The Points Guy)

The  Citi Rewards+ Card is the perfect card for small-dollar purchases. It earns 2 ThankYou Points per dollar spent at gas stations and grocery stores on up to $6,000 per year (and 1 per dollar thereafter) and 1 point per dollar on other purchases. The points earned are rounded up to the nearest 10 points on every purchase. This means that a $1 purchase will earn 10 points. Best of all, there is no cap on purchases that are rounded up. You can earn a welcome bonus of 20,000 points when you spend $1,500 in purchases within the first three months of account opening.

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If you also have the Citi Prestige® Card or the Citi Premier® Card, you can move points from your Citi Rewards+ account to your Prestige or Premier account and transfer them to partners such as Avianca LifeMiles and Etihad Guest. This increases the value of the points you earn with the Citi Rewards+ from 1 cent each to approximately 1.7 cents each. Plus, Citi Rewards+ cardholders get 10% of their redeemed points back (up to 10,000 max) per year, stretching their value even further.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: How to redeem Citi ThankYou Points for maximum value

Citi® Double Cash Card

(Photo by John Gribben for The Points Guy) © The Points Guy (Photo by John Gribben for The Points Guy)

With the Citi Double Cash Card, cardholders earn 1% cash back when making purchases and another 1% cash back when they pay it off. This is a total of 2% cash back, with no caps on how much you can earn. This card does not have a welcome bonus. However, you can convert your cash back into ThankYou Points if you have another Citi card that earns transferable points, like the Citi Premier or Citi Prestige, much as you would with the Citi Rewards+.

ThankYou Points can be used to book travel through the Citi travel portal or transferred to 17 airline partners, like Cathay Pacific, JetBlue, and Singapore Airlines.

Related: The ultimate guide to Citi ThankYou Rewards transfer partners

No-Annual-fee business credit cards that earn transferable points

Small business owners also have the opportunity to earn transferable points on their business expenses without paying an annual fee. Business owners can add complimentary employee cards for each of these cards. Here are three small business credit cards that earn transferable points.

‘One of the most valuable hotel cards’: A review of the World of Hyatt Credit Card

  ‘One of the most valuable hotel cards’: A review of the World of Hyatt Credit Card Editor’s note: This review has been updated with the latest information. With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you …With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you keep the card and another when you spend $15,000 in a calendar year.

  • The Blue Business® Plus Credit Card from American Express (see rates and fees): Earn 2 American Express Membership Rewards points per dollar on the first $50,000 you spend per calendar year with the Amex Blue Business Plus. After that, you’ll earn 1 point per dollar. New cardholders can earn a welcome offer of 15,000 bonus points after spending $3,000 on purchases within the first three months of card membership. Membership Rewards points transfer to 21 airline and hotel loyalty programs.
  • Capital One Spark Miles Select for Business: The Spark Miles Select earns an unlimited 1.5 miles on every dollar you spend, with no caps. It includes a welcome bonus of 20,000 miles after spending $3,000 on purchases during the first three months of account opening. These points transfer to 15+ airline and hotel partners.
  • Ink Business Unlimited Credit Card: Business owners earn an unlimited 1.5% cash back on all purchases with the Ink Business Unlimited. Plus, there is a welcome bonus of $750 when you spend $7,500 on purchases in the first three months of account opening. Your cash back rewards become transferable when you have the Chase Sapphire Preferred, Chase Sapphire Reserve, or Ink Business Preferred. Chase has 14 hotel and airline partners to choose from.

The information for the Capital One Spark Miles Select card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: 5 ways you might be eligible for a business credit card without realizing it

Bottom line

You don’t have to pay an annual fee to earn transferable points. Whether you’re a consumer or small business owner, multiple credit cards earn rewards and provide valuable benefits without paying a fee. Many travelers pair these no-annual-fee cards with their other cards to maximize the points they earn on everyday purchases and applicable category bonuses. The Chase Trifecta and Amex Trifecta are perfect examples of how to do this.

For rates and fees of the Amex Blue Business Plus card, click here.

Additional reporting by Juan Ruiz.

Featured photo by Stokkete/Shutterstock.

Editorial Disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

‘One of the most valuable hotel cards’: A review of the World of Hyatt Credit Card .
Editor’s note: This review has been updated with the latest information. With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you …With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4x points on all Hyatt spending and you’ll get a Category 1-4 free-night award each year you keep the card and another when you spend $15,000 in a calendar year.

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