AwardWallet's Roundup of Airline, Hotel, and Transferable Rewards Program Sweet Spots AwardWallet's Roundup of Airline, Hotel, and Transferable Rewards Program Sweet Spots

AwardWallet's Roundup of Airline, Hotel, and Transferable Rewards Program Sweet Spots

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With almost all loyalty programs, the value you get from redeeming points and miles will vary. Some redemptions can provide incredible value. Other redemptions will downright suck. One of the biggest challenges in the points and miles world is how to get more great redemptions and avoid fewer bad redemptions. Put another way, how do you minimize the number of points, miles, and cash you'll pay for the experience?

AwardWallet is here to help you solve that challenge. We've written a series of “sweet spot” posts covering the best redemptions for dozens of the most popular loyalty programs — plus the best ways to get to popular destinations like Hawaii, Europe, and more.

If you're looking to get the most from each point or mile, this is a handy place to start your search.

Best Uses of Airline Miles

Best redemptions for domestic U.S. flights

American Airlines A319 at Jackson Hole (JAC).
Credit: Tyler Glatt/AwardWallet

Best redemptions for international flights

U.S. mileage programs

Aer Lingus business class seat
Aer Lingus business class. Credit: Aer Lingus

International mileage programs

Other sweet spot roundups

Rothenburg ob der Tauber, Germany
Credit: Roman Kraft/Unsplash

Best Uses of Hotel Points

Bedroom at the Holiday Inn Resort Kandooma Maldives
Holiday Inn Resort Kandooma Maldives. Credit: IHG

Best Uses of Transferable Points

Business class on Iberia's A321neo XLR.
Business class on Iberia's A321XLR. Credit: Tyler Glatt

How Much Are Airline Miles Worth?

It's nice to have a measuring stick when figuring out whether or not you're getting a good redemption. The trouble is that travelers assign different values to the same airline miles. To avoid any subjectivity, AwardWallet uses actual award bookings made by AwardWallet users to determine valuations.

Here's what we've found from tracking tens of thousands of actual reward flight bookings made by AwardWallet users:

Airline Mileage Programs MileValue

Program NameAverage ValueEconomy
(regional)
Economy
(long-haul)
First/business
(regional)
First/business
(long-haul)
Alaska Airlines Atmos Rewards2.12¢1.32¢1.73¢3.52¢4.17¢
American Airlines AAdvantage2.56¢1.62¢1.69¢3.69¢3.86¢
Delta Air Lines SkyMiles1.34¢1.21¢1.21¢1.94¢2.39¢
JetBlue TrueBlue1.24¢1.23¢1.18¢1.39¢n/a
Southwest Airlines Rapid Rewards1.52¢1.52¢n/an/an/a
United Airlines MileagePlus1.97¢1.31¢1.76¢1.88¢3.2¢
Air Canada Aeroplan1.86¢1.21¢1.28¢2.56¢2.63¢
Air France/KLM Flying Blue2.16¢1.38¢1.46¢2.57¢2.59¢
Avianca LifeMiles2.85¢1.72¢1.8¢2.99¢3.91¢
British Airways Club2.55¢1.56¢1.66¢2.71¢3.26¢
Cathay Pacific Asia Miles2.84¢1.75¢1.78¢3.46¢3.22¢
Emirates Skywards1.55¢1.03¢0.98¢1.7¢1.68¢
Iberia Plus2.96¢1.85¢1.89¢3.64¢4.49¢
Lufthansa Miles & More3.2¢1.61¢3.09¢
Singapore Airlines KrisFlyer2.45¢1.58¢1.55¢2.7¢2.57¢
Virgin Atlantic Flying Club3.63¢1.82¢2.03¢5.5¢5.86¢
Korean Air SkyPass2.87¢1.45¢1.97¢3.1¢3.69¢

A couple of caveats about this data. First, AwardWallet users are much more savvy than average travelers. We generally know how to avoid terrible redemptions and focus on the highest-value uses of miles.

Also, assigning value based on cash prices has inherent issues, particularly in premium cabins. Would you have paid $10,000 for that one-way international first-class flight? Probably not, but using actual cash prices is the best way to assign value without subjectivity.

For much more detail on AwardWallet valuations, check out our dedicated post: How much do AwardWallet members actually save when redeeming points?

Best Way to Earn Points and Miles to Book These Sweet Spots

We recommend travelers earn flexible rewards points that can be transferred to multiple loyalty programs. That gives you the flexibility to maximize your rewards — choosing the right program for each trip and taking advantage of relevant sweet spots.

Plus, earning transferrable points insulates you from the devaluation of any one airline mileage program. If one transfer partner changes its program, you should still be able to find value from the other transfer partners.

If you're looking to build up a balance in any of these programs, here are your options:

American Express Membership Rewards

Amex Membership Rewards can be transferred to 20 Membership Rewards transfer partners: 17 airline mileage programs and three hotel point programs. Here are some of the best cards that earn Amex Membership Rewards and their current welcome bonuses:

  • American Express Platinum Card®: As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • American Express® Gold Card: As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • The Business Platinum Card® from American Express: Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
  • American Express® Business Gold Card: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
American Express® Gold Card
American Express® Gold Card
Welcome Offer As High As 100,000 points. Find Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee$325Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
  • 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
  • 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
  • 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
  • 1X on other eligible purchases
American Express Platinum Card®
American Express Platinum Card®
Welcome Offer As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual Fee$895Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • Earn 5X points for flights booked directly with airlines or with American Express Travel® (up to $500,000 in purchases per calendar year).
  • Earn 5X points on prepaid hotels booked with American Express Travel®.
  • Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
Welcome Offer Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Annual Fee$895Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • Earn 5X points on flights and prepaid hotels on AmexTravel.com.
  • Earn 2X points on each eligible purchase of $5,000 or more.
  • Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.
  • Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.
  • Earn 2X points on each eligible purchase with U.S. shipping providers.
  • 2X earning rates are subject to a cap of $2 million in purchases per calendar year.

Capital One Miles

Capital One miles can be transferred to 22 Capital One transfer partners: four hotel programs and 18 airline loyalty programs. Even its no-annual-fee cards have access to all transfer partners, plus you can combine cash-back earnings with your miles to access transfer partners with additional cards. These cards earn Capital One miles:

Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card
Welcome Offer 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.
Annual Fee$95
Credit ScoreExcellent, Good
  • 5X miles per dollar on purchases through Capital One Entertainment
  • 5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel
  • 2X miles per dollar on all other purchases
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Welcome Bonus Earn 100,000 Miles when you spend $10,000 on purchases in the first 6 months from account opening
Annual Fee$395
Credit ScoreExcellent
  • 10X miles per $1 on hotels and rental cars booked via Capital One Travel
  • 5X miles per $1 on purchases through Capital One Entertainment
  • 5X miles per $1 on flights when booking via Capital One Travel
  • 5X miles per $1 on vacation rentals booked via Capital One Travel
  • 2X miles per $1 on all other eligible purchases
Capital One Venture X Business
Capital One Venture X Business
Welcome Bonus LIMITED-TIME OFFER: Earn up to 400,000 — 200,000 miles when you spend $30,000 in the first 3 months, and an additional 200,000 miles when you spend $150,000 in the first 6 months
Annual Fee$395
Credit ScoreExcellent
  • 10X miles per $1 on hotels and rental cars booked via Capital One Travel
  • 5X miles per $1 on purchases through Capital One Entertainment
  • 5X miles per $1 on flights booked via Capital One Travel
  • 5X miles per $1 on vacation rentals booked via Capital One Travel
  • 2X miles per $1 on other eligible purchases

Chase Ultimate Rewards

Chase Ultimate Rewards can be transferred to 13 Chase transfer partners: 10 airline mileage programs and three hotel point programs. Fourv cards earn Chase Ultimate Rewards points that are fully transferrable to partner programs:

Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
Welcome Bonus Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee$95Rates & Fees
Credit ScoreExcellent, Good
  • 5X points on Lyft rides through September 2027
  • 5X points on travel purchased through Chase Travel℠
  • 3X points on dining at restaurants worldwide
  • 3X points on eligible streaming services
  • 3X points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 2X points on all other travel
  • 1X point per dollar spent on all other purchases
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Welcome Bonus Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee$795Rates & Fees
Credit ScoreExcellent
  • 8x points on all purchases through Chase Travel℠
  • 4x points on flights and hotels booked directly
  • 3x points on dining worldwide
  • 1x points on all other purchases
Sapphire Reserve for Business℠
Sapphire Reserve for Business℠
Welcome Bonus Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $6,500 in total business and travel value in your first year.
Annual Fee$795Rates & Fees
Credit ScoreExcellent, Good
  • 8X points on all Chase Travel℠ purchases
  • 5X total points on eligible Lyft rides through 9/30/2027
  • 4x points on flights and hotels booked directly
  • 3x points on advertising purchases made with social media platforms and search engines
  • 1 point per dollar on all other eligible purchases

In addition, you can use Chase's cash-back cards to boost your earnings by combining Chase points across accounts.

Related: Accumulate Chase Ultimate Rewards Points Quickly by Building a Credit Card Combo

Citi ThankYou® Rewards

Citi ThankYou Points are a bit harder to earn than the others. These cards earn Citi ThankYou points that can be transferred to all 21 Citi transfer partners (15 airlines and five hotels):

Citi Strata Premier® Card
Citi Strata Premier® Card
Welcome Offer Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Annual Fee$95Rates & Fees
Credit ScoreExcellent, Good
  • 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
  • 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
  • 3X – Earn 3 Points per $1 spent on Restaurants
  • 3X – Earn 3 Points per $1 spent on Supermarkets
  • 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
  • 1X – Earn 1 Point per $1 spent on All Other Purchases
Citi Strata Elite℠ Card
Citi Strata Elite℠ Card
Welcome Bonus For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Annual Fee$595
  • 12X – Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
  • 6X – Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.
  • 1.5X – Earn 1.5 Points per $1 spent on All Other Purchases.

However, other Citi cards earn ThankYou Points that can't be transferred to the Citi ThankYou partners at full transfer ratios (e.g, 1:0.7 instead of 1:1). However, you can combine points earned on these cards with the above cards to make earnings fully transferrable to partners at full ratios:

  • Citi Strata℠ Card (Rates & Fees): For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • Citi Double Cash® Card (Rates & Fees): Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Citi Custom Cash® Card: Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Citi Strata℠ Card
Citi Strata℠ Card
Welcome Bonus For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Annual Fee$0Rates & Fees
Credit ScoreExcellent, Good Credit
  • 5X – Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel℠ via cititravel.com
  • 3X – Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
  • 3X – Earn 3 ThankYou® Points per $1 spent at Supermarkets
  • 3X – Earn 3 ThankYou® Points per $1 spent on Select Transit purchases
  • 3X – Earn 3 ThankYou® Points per $1 spent at Gas and EV Charging Stations
  • 2X – Earn 2 ThankYou® Points per $1 spent at Restaurants
  • 1X – Earn 1 ThankYou® Point per $1 spent on All Other Purchases
Citi Double Cash® Card
Citi Double Cash® Card
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Annual Fee$0Rates & Fees
Credit ScoreExcellent, Good
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

    Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Citi Custom Cash<sup>®</sup> Card
Citi Custom Cash® Card
Welcome Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Annual Fee$0
Credit ScoreFair, Good, or Excellent
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent
  • 1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • Eligible spending categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.
  • Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel portal.

Related: Build a Winning Combo of Citi ThankYou Rewards Cards

Wells Fargo Rewards

Wells Fargo doesn't have the deepest bench of transfer partners, but points do transfer to eight quality airline and hotel programs. And a couple of Wells Fargo-issued cards earn transferable points outright:

Wells Fargo Autograph® Card
Wells Fargo Autograph® Card
Welcome Bonus Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
Annual Fee$0On Wells Fargo's website
Rates & Fees
Credit ScoreExcellent, Good
  • 3x on travel – including airfare, hotels, car rentals, timeshares, cruises, and more
  • 3x on transit – including parking, tolls, subways, ride shares, railways, ferries, and more
  • 3x on dining – including dining in, take-out, catering, delivery and more
  • 3x at gas stations – including gas stations and electric vehicle charging stations
  • 3x on phone plans – including landline providers and cell phones
  • 3x on streaming services
  • 1x on other purchases
Wells Fargo Autograph Journey℠ Card
Wells Fargo Autograph Journey℠ Card
Welcome Bonus Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
Annual Fee$95On Wells Fargo's website
Rates & Fees
Credit ScoreExcellent/Good
  • 5X points per $1 spent on hotels
  • 4X points per $1 spent on airlines
  • 3X points per $1 spent on other travel and restaurants
  • 1X points per $1 spent on other purchases

Keep in mind that you can also combine your cash back rewards earned a card like the Wells Fargo Active Cash® Card (Rates & Fees) with the points earned on one of your Autograph-branded cards.

Related: How to Maximize the Value of Wells Fargo Rewards Points

Marriott Bonvoy®

Marriott Bonvoy points transfer to 37 airline programs at a 3:1 transfer rate (with only the rare exception). Plus you'll get 5,000 bonus miles when transferring points to most Marriott airline transfer partners. Earn Bonvoy points through the following Marriott credit cards:

  • Marriott Bonvoy Business® American Express® Card: Earn up to 125,000 Marriott Bonvoy® Bonus Points. Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
  • Marriott Bonvoy Brilliant® American Express® Card: Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
  • Marriott Bonvoy Bevy® American Express® Card: Earn 85,000 Marriott Bonvoy® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
  • Marriott Bonvoy Boundless® Credit Card: Earn three bonus Free Night Awards after you use your new card to make $3,000 in purchases within the first 3 months of account opening. Plus earn 50,000 bonus points after spending $6,000 total on eligible purchases within 6 months of account opening.
  • Marriott Bonvoy Bold® Credit Card: Earn 30,000 Bonus Points after you spend $1,000 on purchases in your first 3 months from your account opening.
Marriott Bonvoy Boundless® Credit Card
Marriott Bonvoy Boundless® Credit Card
Welcome Bonus Earn three bonus Free Night Awards after you use your new card to make $3,000 in purchases within the first 3 months of account opening, plus 50,000 bonus points after spending $6,000 total on eligible purchases within 6 months of account opening.
Annual Fee$95
Credit ScoreExcellent, Good
  • Earn 6X Bonvoy points per $1 spent participating Marriott Bonvoy hotels, 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining, and 2X points per $1 on all other purchases
  • Earn 3 Marriott Bonvoy® points for every $1 on the first $6,000 spent in combined purchases each year on gas stations, grocery stores, and dining
  • Earn 2X Bonvoy points for every $1 spent on all other purchases
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Welcome Offer Earn 100,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Annual Fee$650Rates & Fees
(Terms Apply)
Credit ScoreExcellent, Good
  • 6X points on purchases at Marriott Properties
  • 3X points at restaurants worldwide, including takeout and delivery
  • 3X points on flights booked directly with airlines
  • 2X points on all other eligible purchases
AmexBonvoyBiz
Marriott Bonvoy Business® American Express® Card
Welcome Bonus Earn up to 125,000 Marriott Bonvoy® Bonus Points. Earn 75,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in eligible purchases and an extra 50,000 bonus points after you make an additional $3,000 in eligible purchases within the first 6 months of Card Membership.
Annual Fee$125Rates & Fees
(Terms apply)
Credit ScoreExcellent, Good
  • 6x Marriott Bonvoy® points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
  • 4x Marriott Bonvoy® points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x Marriott Bonvoy® points per dollar on all other eligible purchases

Bottom Line

Wherever you want to go, points and miles can probably get you there. Some redemptions provide better value than others; our goal is to help you find more of those good redemptions. By referencing the sweet spots above, you should be able to find a place you want to go and a way to get there. Now it's time to build a credit card strategy that helps you earn the points and miles you need for that trip.

Did your favorite sweet spot make this list? If not, let us know what it is in the comments below.

For rates and fees of the cards mentioned in this post, please visit the following links: American Express® Gold Card (Rates & Fees), American Express Platinum Card® (Rates & Fees), The Business Platinum Card® from American Express (Rates & Fees), Chase Sapphire Preferred® Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), Sapphire Reserve for Business℠ (Rates & Fees), Citi Strata Premier® Card (Rates & Fees), Citi Strata℠ Card (Rates & Fees), Citi Double Cash® Card (Rates & Fees), Marriott Bonvoy Brilliant® American Express® Card (Rates & Fees), and Marriott Bonvoy Business® American Express® Card (Rates & Fees)

AwardWallet Tip of The Day
Did you know that you can view your account balances across all airlines within one of the global alliances? Click the alliance icon in the list of accounts next to any airline in an alliance to see the details.
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