{"id":191709,"date":"2025-01-14T23:59:24","date_gmt":"2025-01-14T23:59:24","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=191709\/"},"modified":"2026-04-08T14:07:58","modified_gmt":"2026-04-08T14:07:58","slug":"amex-business-gold-vs-chase-ink-preferred","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/amex-business-gold-vs-chase-ink-preferred\/","title":{"rendered":"Amex Business Gold vs. Ink Business Preferred: Which Card Maximizes Your Business Expenses?"},"content":{"rendered":"<p>As a small business owner, I prioritize business credit cards that maximize my business's returns. Sometimes, that means building points for a specific award redemption. Other times, it's about leveraging valuable perks. Two strong contenders that are versatile enough to achieve both outcomes are the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a> and the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/a> (<a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6c3d772e3a7f797870831a91df63e42&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<p>Which of these cards is better for your business? Let\u2019s break it down.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Annual_Fees\">Annual Fees<\/a><\/li><li><a href=\"#Welcome_Bonus\">Welcome Bonus<\/a><\/li><li><a href=\"#Headline_Benefits\">Headline Benefits<\/a><\/li><li><a href=\"#Earning_Points\">Earning Points<\/a><ul><li><a href=\"#Amex_Business_Gold\">Amex Business Gold<\/a><\/li><li><a href=\"#Ink_Preferred\">Ink Preferred<\/a><\/li><\/ul><\/li><li><a href=\"#Redeeming_Points\">Redeeming Points<\/a><ul><li><a href=\"#Amex_Business_Gold_Membership_Rewards\">Amex Business Gold: Membership Rewards<\/a><\/li><li><a href=\"#Ink_Preferred_Chase_Ultimate_Rewards\">Ink Preferred: Chase Ultimate Rewards<\/a><\/li><\/ul><\/li><li><a href=\"#Travel_and_Purchase_Protections\">Travel and Purchase Protections<\/a><ul><li><a href=\"#Amex_Business_Gold-2\">Amex Business Gold<\/a><\/li><li><a href=\"#Ink_Preferred-2\">Ink Preferred<\/a><\/li><\/ul><\/li><li><a href=\"#Whats_the_Best_Card_for_Your_Business\">What\u2019s the Best Card for Your Business?<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Annual_Fees\">Annual Fees<\/span><\/h2>\n<p>The first consideration is cost. The <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> charges a $375 annual fee  (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>), while the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> costs just $95.<\/p>\n<p>On cost alone, the Ink Preferred wins because it's more affordable. But do the points it earns, redemption opportunities, and long-term perks make it the better overall value? Let\u2019s take a closer look.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-chase\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$375<span class=\"compare-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<span class=\"compare-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6c3d772e3a7f797870831a91df63e42&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h2><span id=\"Welcome_Bonus\">Welcome Bonus<\/span><\/h2>\n<p>Both the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> and <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> offer new applicants a welcome bonus. Here's a look at the current offer on each card:<\/p>\n<ul>\n<li><strong><a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a>:<\/strong> Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li>\n<li><strong><a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>:<\/strong> Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li>\n<\/ul>\n<p>After <a target=\"_blank\" href=\"\/credit-cards\/how-to-meet-minimum-spend-requirements\/\" rel=\"noopener\">meeting the minimum spending requirement<\/a>, you'll earn a lot of Membership Rewards points with the Amex Business Gold or a lot of Ultimate Rewards points with the Ink Preferred.<\/p>\n<p>But one thing about the minimum spending requirements is pretty apparent: you have to spend nearly twice as much to unlock the Amex Business Gold&#8216;s new applicant bonus compared to the Ink Preferred.<\/p>\n<p>Winner: <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a><\/p>\n<p>However, it comes with a significantly higher spending requirement to unlock the full offer, the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> is currently offering roughly double the bonus compared to the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>, making it more rewarding in terms of total points.<\/p>\n<figure id=\"attachment_187429\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-187429 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash.png\" alt=\"Overhead view of people working in a co-working space.\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/11\/Business-Office-Work-Featured-Annie-Spratt-Unsplash-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>You might be surprised what qualifies as a small business. Credit: Annie Spratt\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Headline_Benefits\">Headline Benefits<\/span><\/h2>\n<p>On each card's application page, you'll find its attention-grabbing benefits. On the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a>, these benefits are minimal. What stands out is 5X points on Lyft rides through September 2027, and Ultimate Rewards points being worth more towards Chase Travel\u2120 redemptions. But again, the card has a $95, so a modest set of benefits isn't unreasonable.<\/p>\n<p>On the other hand, the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> has a much higher annual fee, with more benefits to justify it. Here's a look at the two primary annual fee-justifying perks Card Members have access to:<\/p>\n<ul>\n<li><strong>$240 Flexible Business Credit:<\/strong> Earn up to $20 in statement credits monthly after you use your Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores.<\/li>\n<li><strong>$155 Walmart+ Credit:<\/strong> Receive a statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Card.<\/li>\n<\/ul>\n<p><strong>Winner: Amex Business Gold<\/strong><\/p>\n<p>The Amex Business Gold has more lucrative benefits than the Ink Preferred, and it's not particularly close. If you combine the two headline perks, you can unlock up to $395 in value, which exceeds the card's $375 annual fee  (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/p>\n<h2><span id=\"Earning_Points\">Earning Points<\/span><\/h2>\n<p>How many points you earn is a key factor in any business card decision. While welcome bonuses are attractive, they're a one-time event. In this section, we\u2019ll focus on each card's ongoing earning structure.<\/p>\n<h3><span id=\"Amex_Business_Gold\">Amex Business Gold<\/span><\/h3>\n<p>The <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> earns 4X Membership Rewards points per dollar in your two highest spending categories each billing cycle (from the following list):<\/p>\n<ul>\n<li>U.S. purchases for advertising in select media (online, TV, radio)<\/li>\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\n<li>U.S. purchases at gas stations<\/li>\n<li>U.S. purchases at restaurants, including takeout and delivery<\/li>\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\n<\/ul>\n<p><em>*4X points apply to the first $150,000 in combined purchases from these two categories each calendar year.<\/em><\/p>\n<p>You\u2019ll also earn 3X points per dollar on flights and hotels booked via <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-travel\/\" rel=\"noopener\">Amex Travel<\/a> and 1X points per dollar on all other purchases.<\/p>\n<figure id=\"attachment_48532\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-48532 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop.png\" alt=\"photo of SWISS business class seat\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop.png 2000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop-1024x819.png 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop-1536x1229.png 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/SWISS-A340-business-class-photo-from-SWISS-media-room-featured-crop-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>SWISS business class throne seat. Credit: SWISS<\/em><\/enter><\/figure>\n<h3><span id=\"Ink_Preferred\">Ink Preferred<\/span><\/h3>\n<p>The <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> earns 3X Ultimate Rewards points per dollar on the first $150,000 in combined spending annually (then 1X) across these categories:<\/p>\n<ul>\n<li>Shipping purchases<\/li>\n<li>Advertising purchases made with social media sites and search engines<\/li>\n<li>Internet, cable, and phone services<\/li>\n<li>Travel<\/li>\n<\/ul>\n<p>Additionally, you can earn <a target=\"_blank\" href=\"\/credit-cards\/cardholder-lyft-benefits\/\" rel=\"noopener\">5X points per dollar on Lyft rides<\/a> (through <strong>September 2027<\/strong>) and 1X points per dollar on all other purchases.<\/p>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<p>For businesses with predictable spending, the Ink Preferred takes the cake. The card earns points across several relevant business categories at a lucrative rate.<\/p>\n<p>In contrast, the Amex Business Gold can potentially be more rewarding, but its categories can be difficult to navigate if your business expenses vary from month to month. You'll inevitably earn 1X on many purchases if your business spending falls in more than two of its six possible categories.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-ink-preferred-benefits\/\" rel=\"noopener\">Why The Ink Preferred Is My Primary Travel Card<\/a><\/strong><\/p>\n<h2><span id=\"Redeeming_Points\">Redeeming Points<\/span><\/h2>\n<p><a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/\" rel=\"noopener\">Chase Ultimate Rewards<\/a> and <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/\" rel=\"noopener\">Amex Membership Rewards<\/a> are both incredibly valuable programs. However, the differences between these programs could encourage you to pick one card over the other.<\/p>\n<h3><span id=\"Amex_Business_Gold_Membership_Rewards\">Amex Business Gold: Membership Rewards<\/span><\/h3>\n<p>Amex Membership Rewards points shine brightest when transferred to one (or more) of its 20 transfer partners. Some of our favorite <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/\" rel=\"noopener\">Amex transfer partners<\/a> include Air Canada Aeroplan, Avianca LifeMiles, and ANA Mileage Club. Whether you\u2019re booking domestic flights or long-haul international trips, there\u2019s something for everyone.<\/p>\n<p>However, Amex\u2019s hotel transfer partners (there are three) generally offer poor value for your points. Transferring to airlines and booking flights is almost always the <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/best-way-to-use-amex-points\/\" rel=\"noopener\">best way to maximize the points you earn<\/a>.<\/p>\n<p>You can view the full list of Amex transfer partners below:<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aer Lingus (AerClub)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aeromexico (Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,600<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,250<div class=\"tt-bonus\"><a href=\"https:\/\/blog.rewardscanada.ca\/credit-cards\/american-express-air-france-klm-flying-blue-transfer-bonus\/\" target=\"_blank\" rel=\"noopener\">25% transfer bonus through April 17, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">5:4<\/div><div class=\"tt-body tt-mintransfer\">625<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>All Nippon Airways (ANA Mileage Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">2 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/avianca-lifemiles\/avianca-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Avianca (LifeMiles)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">8 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">500:400<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Cathay Pacific (Cathay)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:750<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Cathay Pacific (Cathay)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">300:200<\/div><div class=\"tt-body tt-mintransfer\">900<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Cathay Pacific (Cathay)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:800<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/amex-membership-rewards\/cathay-pacific-transfer-devaluation\/\">Amex-Cathay Pacific transfer rate dropped to 5:4 on March 1, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">8 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Choice Hotels (Choice Privileges)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Delta Air Lines (SkyMiles)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Delta Air Lines (SkyMiles)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:750<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Delta Air Lines (SkyMiles)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">3:2<\/div><div class=\"tt-body tt-mintransfer\">3,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">2:1<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:800<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/amex-membership-rewards\/emirates-transfer-devaluation\/\">Amex-Emirates transfer rate dropped to 5:4 on September 16, 2025<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Etihad Airways (Etihad Guest)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/amex-membership-rewards\/etihad-transfer-partner-ending\/\">Amex to drop Etihad as a transfer partner effective June 30, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Etihad Airways (Etihad Guest)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:750<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Etihad Airways (Etihad Guest)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">300:200<\/div><div class=\"tt-body tt-mintransfer\">900<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hawaiian Airlines (Atmos Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/amex-membership-rewards\/hawaiian-airlines-transfers-ending\/\">No longer a transfer partner as of June 30, 2025<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hilton (Honors)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:2,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hilton (Honors)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hilton (Honors)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">25:25<\/div><div class=\"tt-body tt-mintransfer\">2,500<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">500:400<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">250:200<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">KLM (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">51 minutes<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Canada<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">5:6<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">3:2<\/div><div class=\"tt-body tt-mintransfer\">900<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>PAYBACK<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">3:1<\/div><div class=\"tt-body tt-mintransfer\">900<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Qantas (Frequent Flyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">500:500<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Qatar Airways (Privilege Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">15 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Qatar Airways (Privilege Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">3:2<\/div><div class=\"tt-body tt-mintransfer\">900<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Radisson Hotels (Radisson Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">2:4<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>SAS (EuroBonus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">500:400<\/div><div class=\"tt-body tt-mintransfer\">1,000<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">Germany<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">3:2<\/div><div class=\"tt-body tt-mintransfer\">1,500<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">16 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Amex (Membership Rewards)<\/a><div class=\"tt-from-region\">United States<\/div><\/div><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><\/div>\n<p>For non-travel redemptions, you can use points at a rate of one cent per point for statement credits, cash back, gift cards, or flights booked through the Amex Travel portal.<\/p>\n<figure id=\"attachment_142218\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-142218 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Turkish_Airlines_business_class_seats_featured.png\" alt=\"Turkish Airlines passenger in business class\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Turkish_Airlines_business_class_seats_featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Turkish_Airlines_business_class_seats_featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Turkish_Airlines_business_class_seats_featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/12\/Turkish_Airlines_business_class_seats_featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Turkish Airlines business class. Credit: Turkish Airlines<\/em><\/enter><\/figure>\n<h3><span id=\"Ink_Preferred_Chase_Ultimate_Rewards\">Ink Preferred: Chase Ultimate Rewards<\/span><\/h3>\n<p>Chase Ultimate Rewards program debuted in 2009 and has since become a powerhouse program, offering 10 airline partners and four hotel partners.<\/p>\n<p>Personally, I find <a target=\"_blank\" href=\"\/hotels\/world-of-hyatt\/\" rel=\"noopener\">World of Hyatt<\/a> to be the crown jewel among <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/\" rel=\"noopener\">Chase\u2019s transfer partners<\/a>. As my favorite hotel loyalty program, it\u2019s a central part of my points-earning strategy. However, the lineup of airline partners, including Southwest and United, and international programs like Air Canada Aeroplan and Air France\/KLM Flying Blue, are also valuable.<\/p>\n<p>Here\u2019s the full list of Chase transfer partners:<\/p>\n<div class=\"transfer-times\"><div class=\"tt-row\"><div class=\"tt-head tt-from\">From<\/div><div class=\"tt-head tt-to\">To<\/div><div class=\"tt-head tt-ratio\">Transfer Ratio<\/div><div class=\"tt-head tt-mintransfer\">Min.Transfer<\/div><div class=\"tt-head tt-avg\">Average Time<\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Aer Lingus (AerClub)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Air Canada (Aeroplan)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,200<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/aeroplan-transfer-bonus\/\">20% transfer bonus through April 30, 2026<\/a> (up to 30% for Aeroplan cardholders).<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">47 minutes<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Air France (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow tt-arrow--region\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/airlines\/british-airways-club\/british-airways-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">British Airways (Club)<\/a><div class=\"tt-to-region\">United States<\/div><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1:1<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Emirates (Skywards & Business Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\"><div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/emirates-partnership\/\">Emirates dropped as a Chase transfer partner on October 16, 2025<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Hyatt (World of Hyatt)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Iberia Plus<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>IHG Hotels & Resorts (One Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,700<div class=\"tt-bonus\"><a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/chase-ultimate-rewards\/ihg-transfer-bonus\/\">70% transfer bonus through April 30, 2026<\/a>.<\/div><\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">5 hours<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>JetBlue Airways (TrueBlue)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/flying-blue-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">KLM (Flying Blue)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div><a href=\"https:\/\/awardwallet.com\/hotels\/marriott-bonvoy\/marriott-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Marriott (Bonvoy)<\/a><\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">2 days<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Singapore Airlines (KrisFlyer)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-days\">1 day<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Southwest Airlines (Rapid Rewards)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>United Airlines (Mileage Plus)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Virgin Atlantic (Flying Club)<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-immediate\">Immediate<\/div><\/div><\/div><div class=\"tt-row\"><div class=\"tt-body tt-from\"><div class=\"tt-body-wrap\"><div><a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-transfer-partners\/?cid=transfer-times-transfer&mid=web\" target=\"_blank\" rel=\"noopener\">Chase (Ultimate Rewards)<\/a><\/div><span class=\"tt-arrow\">\u2794<\/span><\/div><\/div><div class=\"tt-body tt-to\"><div class=\"tt-body-wrap\"><span class=\"tt-arrow\">\u2794<\/span><div>Wyndham Rewards<\/div><\/div><\/div><div class=\"tt-body tt-ratio\">1,000:1,000<\/div><div class=\"tt-body tt-mintransfer\">-<\/div><div class=\"tt-body tt-avg\"><div class=\"tt-avg-unknown\">Unknown<\/div><\/div><\/div><\/div>\n<p>In addition to transfers, the Ink Preferred lets you redeem points through the <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/chase-travel-portal\/\" rel=\"noopener\">Chase Travel\u2120 portal<\/a> at a rate of up to 1.75 cents per point, depending on the specific redemption. While this is a fair rate, it's still less than the 2.01\u00a2 apiece rate\u00a0<span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">for which\u00a0<a target=\"_blank\" href=\"\/point-mile-values\/Chase\" rel=\"noopener\">AwardWallet users typically redeem Chase points <\/a><\/span>by leveraging transfer partners.<\/p>\n<p>Finally, you can redeem points for cash back, gift cards, statement credits, or deposit into a bank account at a flat rate of one cent per point.<\/p>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<p>There are too many good options for airlines and hotels in the Ultimate Rewards program for Membership Rewards to overcome. There\u2019s definitely an argument to be made by airline lovers that Membership Rewards has a more compelling portfolio of airline partners, but for me, I prefer the value that I can unlock from Ultimate Rewards' roster of partners<\/p>\n<h2><span id=\"Travel_and_Purchase_Protections\">Travel and Purchase Protections<\/span><\/h2>\n<p>Insurance benefits and travel and purchase protections aren't the flashiest perks, but they can be invaluable when you need them. Here's a comparison of what each card offers:<\/p>\n<h3><span id=\"Amex_Business_Gold-2\">Amex Business Gold<\/span><\/h3>\n<ul>\n<li><strong>Trip Delay Insurance:<\/strong> $300 per trip (12+ hour delays)<\/li>\n<li><strong>Lost\/Damaged Luggage Insurance:<\/strong> Up to $1,250 for carry-ons and $500 for checked bags<\/li>\n<li><strong>Secondary Rental Car Insurance:<\/strong> Up to $50,000 per claim<\/li>\n<li><strong>Purchase Protection:<\/strong> Covers damage or theft for up to 90 days, with a maximum of $1,000 per purchase and $50,000 per year<\/li>\n<li><strong>Extended Warranty:<\/strong> Adds one year to warranties of 5 years or less<\/li>\n<li><strong>Cell Phone Protection:<\/strong> Covers damage or theft for up to $800 per claim (twice per year), with a $50 deductible per claim. Monthly cell phone bills must be paid with the card to qualify.<\/li>\n<li><strong>No Foreign Transaction Fees <\/strong> (<a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/li>\n<\/ul>\n<figure id=\"attachment_156410\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-156410 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Ketut-Subiyanto-Pexels-business-owner-at-cash-register-featured.png\" alt=\"a small business owner uses a touch screen cash register\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Ketut-Subiyanto-Pexels-business-owner-at-cash-register-featured.png 1000w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Ketut-Subiyanto-Pexels-business-owner-at-cash-register-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Ketut-Subiyanto-Pexels-business-owner-at-cash-register-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/03\/Ketut-Subiyanto-Pexels-business-owner-at-cash-register-featured-325x260.png 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Ketut Subiyanto\/Pexels<\/em><\/enter><\/figure>\n<h3><span id=\"Ink_Preferred-2\">Ink Preferred<\/span><\/h3>\n<ul>\n<li><strong>Trip Delay Insurance:<\/strong> $500 per trip (12+ hour delays)<\/li>\n<li><strong>Trip Cancellation\/Interruption Insurance:<\/strong> Up to $5,000 per person and $10,000 per trip<\/li>\n<li><strong>Lost\/Damaged Luggage Insurance:<\/strong> Up to $3,000 per person (higher limits for valuables)<\/li>\n<li><strong>Luggage Delay Insurance:<\/strong> $100 per day (up to 5 days)<\/li>\n<li><strong>Primary Rental Car Insurance:<\/strong> Covers theft\/damage<\/li>\n<li><strong>Purchase Protection:<\/strong> Covers damage or theft for up to 120 days, with a maximum of $10,000 per purchase and $50,000 per year<\/li>\n<li><strong>Extended Warranty:<\/strong> Adds one year to warranties of 3 years or less, up to $10,000 per item<\/li>\n<li><strong>Cell Phone Protection:<\/strong> Covers damage or theft for up to $1,000 per claim (three times per year), with a $100 deductible per claim. Monthly cell phone bills must be paid with the card to qualify.<\/li>\n<li><strong>No Foreign Transaction Fees<\/strong><\/li>\n<\/ul>\n<p><strong>Winner: Ink Preferred<\/strong><\/p>\n<p>The Ink Preferred&#8216;s protections are better in almost every category for insurance. Plus, the card offers primary rental car insurance which can mean real savings when you're on the road and run into an unfortunate situation.<\/p>\n<h2><span id=\"Whats_the_Best_Card_for_Your_Business\">What\u2019s the Best Card for Your Business?<\/span><\/h2>\n<p>For most small businesses, the <a data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" rel=\"noopener nofollow sponsored\">Ink Preferred<\/a> takes the crown. Its affordable annual fee, lucrative earning categories, and versatile redemption options make it a practical choice. That said, the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> shines if your spending aligns with its 4X categories, and you can justify its high annual fee by leveraging its statement credits.<\/p>\n<p>Ultimately, the best card for you depends on your business needs. Hopefully, this guide helps you make an informed decision!<\/p>\n<div class=\"qs-card\" data-id=\"3006145\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/61a11a52-f743-4f5b-b43d-c09fba53aecd.png\" width=\"150\" alt=\"Ink Business Preferred\u00ae Credit Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Ink Business Preferred\u00ae Credit Card' data-ccid=\"3006145\" href=\"\/blog\/link\/InkBusinessPreferredCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3006145\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005142&type=3&u1=e6c3d772e3a7f797870831a91df63e42&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Ink Business Preferred<sup>\u00ae<\/sup> Credit Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$95<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The most valuable Ultimate Rewards signup bonus on offer and our top pick for small business rewards cards. Business owners earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. Plus, earn up to 450,000 points per year on a wide range of 3X bonus categories.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.<\/li><li>Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases<\/li><li>Earn 5x total points on Lyft rides through 9\/30\/27.<\/li><li>With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.<\/li><li>Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open<\/li><li>Go further when you book with Chase Travel&#x2120;. Enjoy competitive rates, seamless booking and premium benefits.<\/li><li>Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.<\/li><li>Receive complimentary access to DashPass by DoorDash.<\/li><li>Member FDIC<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul>\r\n<li>3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year<\/li>\r\n<li>1X point per $1 on all other purchases<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/InkPreferred\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-16b6f972c9#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n","protected":false},"excerpt":{"rendered":"<p>The American Express\u00ae Business Gold Card and Ink Business Preferred\u00ae Credit Card are top choices for small business owners. This guide compares their features, benefits, and value to help you decide which card best suits your business needs.<\/p>\n","protected":false},"author":97,"featured_media":194323,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12710,12709],"coauthors":[36469],"class_list":["post-191709","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-amex-membership-rewards","tag-chase-ultimate-rewards"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/191709","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/97"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=191709"}],"version-history":[{"count":28,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/191709\/revisions"}],"predecessor-version":[{"id":254127,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/191709\/revisions\/254127"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/194323"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=191709"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=191709"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=191709"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=191709"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}