* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

Chase has long offered “cash-back” credit cards that actually earn Chase Ultimate Rewards points.

That means if you have another Chase card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card (see rates and fees) or the Chase Sapphire Reserve® (see rates and fees), you could transfer your cash back to an Ultimate Rewards-earning card and then use the converted points with Chase’s various airline and hotel partners.

The Chase Ink Business Premier, however, is a different story since it earns cash back that can’t be transferred to partners, regardless of what other Chase cards you have.

We recommend you have a credit score of at least 670 to increase your chances of approval for this card. You can also apply for the card using an employer identification number, which is tied to your business credit score.

The Ink Business Premier might be worth considering for some businesses looking to save money on large expenses. Here’s what you need to know.

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

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That easily offsets the $195 annual fee for your first year, and it’s a decent welcome offer compared to similar card options. This is the standard welcome offer we typically see on this card. Note that you’ll receive the welcome bonus as 100,000 points, which can be redeemed as $1,000 cash back.

However, plenty of travel rewards credit cards offer welcome bonuses of higher value, both for business and personal use. And while this is a large bonus for a business-focused cash-back card, most cash-back business cards come with lower annual fees.

Plus, the spending requirement for this card’s welcome bonus is quite high, so that’s something else to keep in mind.

Before applying, make sure you meet all of Chase’s application requirements, including being under the 5/24 rule.

Related: 15 cards currently offering welcome bonuses of 100,000 points or more

• Employee cards: Similar to other Ink cards, employee cards don’t cost the primary cardholder any additional fees.
• Cellphone protection: Coverage extends up to $1,000 per claim for up to three claims per year with a $100 deductible per claim.
• Purchase protection: This benefit covers new purchases for 120 days against damage or theft (up to $10,000 per item and up to $50,000 per account).
• Trip cancellation/interruption insurance: If your trip gets canceled or cut short because you get sick or due to severe weather or other covered situations, you can get reimbursed up to $5,000 per covered traveler (up to $10,000 total per trip) for prepaid, non-refundable travel expenses (this includes things like tours and hotel reservations).
• Extended warranty protection: Purchases with a three-year or less U.S. manufacturer’s warranty will include an additional year of coverage.
• Auto rental collision damage waiver: Enjoy primary coverage that protects against theft and damage in the U.S. and most countries around the world. You’ll get up to $60,000 in reimbursement for most vehicles with a manufacturer’s suggested retail price of $125,000 or less.

Considering you can get cellphone protection and similar benefits with the Ink Business Preferred® Credit Card for a much lower $95 annual fee, the benefits on this card aren’t especially exciting compared to the competition.

If you’re a business owner just looking for cash back on purchases, benefits may not matter as much to you. But for that higher $195 annual fee, it’s fair to expect more valuable perks like access to transfer partners or some statement credits, like one for TSA PreCheck or Global Entry.

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

Earning rewards on the Chase Ink Business Premier

To be clear, the Chase Ink Business Premier does not earn transferable Chase Ultimate Rewards points. Instead, you’ll earn:

• 5% cash back on travel booked through Chase Travel℠
• 5% cash back on Lyft purchases (through Sept. 2027)
• 2.5% cash back on purchases of $5,000 or more
• 2% cash back on all other purchases

Unlimited 2% cash back on purchases isn’t incredibly lucrative, but it is a solid return, considering you don’t have to worry about bonus categories or spending caps. Regardless of your business spending habits, you know you’re earning a decent return on your purchases.

Plus, 2.5% cash back on purchases of $5,000 or more is a nice perk for businesses that tend to have larger expenses, while that 5% category is great for businesses that anticipate booking lots of trips via Chase Travel.

Related: The top 7 credit cards to maximize large purchases

Redeeming rewards on the Chase Ink Business Premier

Cash back earned on the Ink Business Premier gets tracked as points; each dollar equates to 100 points, so when it comes to redeeming your rewards, you’ll notice that you redeem points.

Cardholders can redeem their points for cash, gift cards, travel and more. Your points are worth 1 cent each toward any of these redemption options.

Unlike some other Chase cards that earn cash back, you won’t be able to transfer the rewards you earn with the Chase Ink Business Premier into your other Chase accounts to take advantage of Chase’s airline and hotel transfer partners.

That’s a major downside to the Ink Business Premier. Based on this reason alone, we find it hard to recommend this card, as your options for maximizing your hard-earned rewards are extremely limited.

For instance, some of Chase’s “cash-back” credit cards, like the Ink Business Unlimited® Credit Card (see rates and fees) and the Chase Freedom Flex® (see rates and fees), allow you to combine your rewards from them with your higher-tier cards, including the Chase Sapphire Reserve and Ink Business Preferred.

Then, you can transfer those points to Chase’s transfer partners to get more than 1 cent per point (if not more) in value.

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

• If you want to earn transferable Ultimate Rewards points: The Chase Sapphire Reserve for Business℠ (see rates and fees) earns 4 points per dollar spent on flights and hotels booked directly, 3 points per dollar spent on social media and search engine advertising and 1 point per dollar spent on all other purchases. Plus, this card earns Ultimate Rewards, so you don’t have to worry about converting cash back from another Chase card to points. To learn more, read our full review of the Sapphire Reserve for Business.
• If you prefer American Express: The Blue Business® Plus Credit Card from American Express earns 2 Membership Rewards points per dollar spent on every purchase (on the first $50,000 spent each calendar year, then 1 point per dollar spent after that). Additionally, you can transfer points to Amex’s airline and hotel partners. Plus, this card doesn’t have an annual fee (see rates and fees), which is nice. To learn more, read our full review of the Blue Business Plus.
• If you prefer Capital One: The Capital One Spark Cash Plus earns an unlimited 2% cash back on all purchases without any spending limits. You can also get your $150 annual fee refunded every year you spend $150,000 or more in a year. To learn more, read our full review of the Capital One Spark Cash Plus.

For additional options, check out our picks for the best business cards and the best Chase cards.

Related: Chase Ink Business Preferred vs. Ink Business Premier: Which card should take a spot in your wallet?

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

Chase issues some of the most sought-after rewards cards on the market, but the bank also has some of the strictest policies regarding credit card “churning.” It limits cardholders to earning only one welcome bonus per consumer Sapphire card and has its infamous 5/24 rule.

Chase has never officially commented on the 5/24 rule’s existence, but crowdsourced data confirms that applicants will almost certainly be denied new Chase cards if they have opened five or more accounts across issuers in the past 24 months.

All personal credit card accounts count toward this rule, including cards with no preset spending limits and certain store cards. However, many business credit cards, including those issued by Chase, aren’t considered when Chase determines your 5/24 standing.

If you’re trying to stay under 5/24, you can still rack up points and miles with business cards without affecting your ability to apply for Chase cards in the future. This isn’t an exhaustive list, but it covers some of my favorite business cards available right now.

Related: The best no-annual-fee business credit cards

Comparing the best business cards to stay under 5/24

Card	Best for	Welcome offer	Earning rates	Annual fee
Ink Business Preferred® Credit Card	Earning Chase Ultimate Rewards points in a variety of business-centered categories	Earn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening.	Earn 5 points per dollar spent on Lyft rides through Sept. 30, 2027. Earn 3 points per dollar spent on advertising purchases with social media and search engines; cable, internet and phone services; and shipping and travel purchases (on the first $150,000 spent in combined purchases each account anniversary year, then 1 point per dollar). Earn 1 point per dollar spent on all other eligible purchases.	$95
Citi® / AAdvantage Business World Elite Mastercard® (see rates and fees)	American Airlines loyalists	Earn 75,000 bonus miles after spending $5,000 on purchases within the first five months of account opening.	Earn 2 miles per dollar spent on the following categories: cable and satellite providers, car rental merchants, eligible American Airlines purchases, gas stations and telecommunications merchants. Earn 1 mile per dollar spent on all other purchases.	$0 introductory annual fee for the first year, then $99 thereafter
Marriott Bonvoy Business® American Express® Card	Marriott loyalists	Earn 125,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Oct. 22.	Earn 6 points per dollar spent on eligible purchases at Marriott hotels. Earn 4 points per dollar spent on restaurants worldwide, at U.S. gas stations, on U.S. shipping purchases and on U.S. wireless telephone service purchases. Earn 2 points per dollar spent on all other purchases.	$125 (see rates and fees)
Ink Business Unlimited® Credit Card (see rates and fees)	Earning simple cash back	Earn $900 bonus cash back after spending $6,000 on purchases in the first three months from account opening.	Earn 5% cash back on Lyft rides through Sept. 30, 2027. Earn 1.5% cash back on all other eligible purchases.	$0
The Hilton Honors American Express Business Card	Hilton loyalists	Earn 175,000 bonus points after spending $8,000 on purchases in the first six months of card membership. Offer ends Jan. 14.	Earn 12 points per dollar spent on eligible Hilton purchases. Earn 5 points per dollar spent on all other eligible purchases (up to $100,000 each calendar year, then 3 points per dollar thereafter).	$195 (see rates and fees)
The Blue Business® Plus Credit Card from American Express	Earning a lot of American Express Membership Rewards points	Earn 15,000 bonus points after spending $3,000 on purchases in the first three months of card membership.	Earn 2 points per dollar spent on the first $50,000 spent each calendar year, then 1 point per dollar thereafter.	$0 (see rates and fees)

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

Related: The best business and personal credit card combinations

Based on TPG’s October 2025 valuations, this offer is worth $1,845.

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Annual fee: $95.

Why I like it: Although you need to be under 5/24 to be approved for this card, the Ink Business Preferred Credit Card won’t count toward this rule. Plus, it earns valuable Ultimate Rewards points in a variety of bonus categories that appeal to business owners, and these points can be transferred to one of Chase’s 14 hotel and airline partners (13 partners after Oct. 16).

You’ll also enjoy perks like primary car rental insurance when renting for business and cellphone protection. If your business spends heavily in this card’s bonus categories, this card can be a powerful addition to your wallet despite its annual fee.

To learn more, check out our full review of the Ink Business Preferred.

Related: 5 reasons to get the Chase Ink Business Preferred Credit Card

Based on TPG’s October 2025 valuations, this offer is worth $1,163.

Annual fee: $0 introductory annual fee for the first year, then $99 thereafter.

Why I like it: Regardless of whether you fly American frequently, you can find great value in this card’s welcome bonus because the carrier is a member of the Oneworld alliance. Many great redemption options exist for anyone who can find the sweet spots in the AAdvantage program.

For example, TPG credit cards writer Danyal Ahmed recently booked three Japan Airlines business-class seats for his family to travel from Kansai International Airport (KIX) in Japan to Los Angeles International Airport (LAX) for 60,000 AAdvantage miles each.

For those who prefer American for their travels, you’ll enjoy perks like a free checked bag on domestic itineraries, 25% off inflight purchases and the ability to earn a companion certificate after renewing your card and spending $30,000 or more in a cardholder year.

To learn more, check out our full review of the AAdvantage Business Mastercard.

Apply here: Citi / AAdvantage Business  World Elite Mastercard

Related: What credit score do you need to get the Citi / AAdvantage Business  World Elite Mastercard?

Based on TPG’s October 2025 valuations, this offer is worth $875.

Annual fee: $125.

Why I like it: Another solid option is the Marriott Bonvoy Business Amex Card, as it has a generous welcome bonus. With the Bonvoy Business Amex, you’ll get complimentary Gold Elite status, which includes perks like 25% bonus earnings on Marriott stays and 2 p.m. late checkout (subject to availability).

As a cardmember, you’ll also receive a free night award certificate every year after your card renewal month and other Marriott perks. Chase Ultimate Rewards points also transfer to Marriott, so this is a great card to pair with your existing Chase accounts.

Marriott has over 9,300 properties worldwide, including many great hotels where you can use free night certificates. That includes the Sheraton Denarau Villas, where I previously redeemed a certificate.

To learn more, check out our full review of the Bonvoy Business Amex.

Apply here: Marriott Bonvoy Business American Express Card

Related: Here’s why you need both a personal and business Marriott Bonvoy credit card

Ink Business Unlimited Credit Card

Welcome offer: Earn $900 bonus cash back after spending $6,000 on purchases in the first three months from account opening.

Annual fee: $0.

Why I like it: The Ink Business Unlimited Credit Card offers unlimited 1.5% cash back on every business purchase, perfect for those who like simplicity with earnings.

Plus, if you pair this card with a Chase card that earns Ultimate Rewards points, like the Chase Sapphire Preferred® Card (see rates and fees), you can pool your Ink Business Unlimited rewards and have access to Chase’s transfer partners for maximum redemption value.

If you prefer a simple, no-frills approach to earning cash back, this card is a great option to stay under 5/24 without paying an annual fee.

To learn more, check out our full review of the Ink Business Unlimited.

Apply here: Ink Business Unlimited Credit Card

Related: Your guide to the Chase Ink Business credit cards

Based on TPG’s October 2025 valuations, this offer is worth $875.

Annual fee: $195.

Why I like it: If you stay at Hilton hotels frequently and are in the market for a cobranded hotel card for your business, the Hilton Honors Amex Business is a solid option.

It has a simple earnings structure. You’ll earn 12 points per dollar spent at Hilton properties. Plus, you’ll earn 5 points per dollar spent on all other purchases for the first $100,000 in spending per calendar year (then 3 points per dollar thereafter).

Plus, cardmembers receive automatic Hilton Gold status and National Emerald Club Executive status (enrollment in the Emerald Club program is required).

To learn more, check out our full review of the Hilton Honors Amex Business.

Apply here: Hilton Honors American Express Business Card

Based on TPG’s October 2025 valuations, this offer is worth $300.

Annual fee: $0.

Why I like it: Reaching minimum spending requirements for welcome bonuses can be difficult for small businesses without high annual spending. However, The Blue Business Plus has a welcome offer that’s attainable for most businesses, regardless of their annual spending.

Additionally, if you value simplicity with earnings, this card is a great fit. You’ll earn 2 points per dollar spent on all purchases for the first $50,000 in spending per calendar year, then 1 point per dollar after.

If your business spends less than $50,000 each year, this card is an excellent choice. Plus, you’ll earn Membership Rewards points and have access to Amex’s roster of 20 hotel and airline partners.

To learn more, check out our full review of the Blue Business Plus.

Apply here: The Blue Business Plus Credit Card from American Express

Related: Amex Blue Business Cash vs. Blue Business Plus: The battle of the blues

Pretty much any business credit card can help you continue to earn welcome bonuses while staying under 5/24. Keep in mind, though, that other issuers have their own restrictions in place that might affect your approval.

Fortunately, you don’t need a traditional business to apply for a business credit card. Whether you walk dogs on the side, drive for Uber or run your own reselling business, you’re eligible to apply for a business card.

Additionally, you may be wondering why no Capital One business cards are on this list. That’s because all Capital One business cards count toward your 5/24 status except the ones with no preset spending limits, the Capital One Venture X Business and the Capital One Spark Cash Plus.

Remember to keep business and personal expenses separate whenever possible. Business cards do not have the same consumer protections as personal cards, and mixed expenses can get messy during tax season.

Plus, some issuers frown on using your business card for personal expenses and may close your account for doing so.

Related: Reasons to get a business credit card

Apply here: Citi / AAdvantage Business World Elite Mastercard
Apply here: Marriott Bonvoy Business American Express Card
Apply here: Ink Business Unlimited Credit Card
Apply here: Hilton Honors American Express Business
Apply here: The Blue Business Plus Card from American Express

For rates and fees of the Marriott Bonvoy Business, click here.
For rates and fees of the Hilton Honors American Express Business, click here.
For rates and fees of the American Express Blue Business Plus, click here.

The Ink Business Unlimited® Credit Card (see rates and fees) is one of the best business cards with no annual fee because it earns 1.5% back on every purchase. That cash back can be turned into valuable Chase Ultimate Rewards points when paired with an eligible Chase card. Card Rating*:

*Card Rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.

The Ink Business Unlimited is a small-business card that closely mirrors the popular Chase Freedom Unlimited® (see rates and fees). The Ink Business Unlimited does not charge an annual fee, and its simple reward structure is more valuable than it looks at first glance.

Although there are other cards that earn 1.5% cash back (or more), when paired with an Ultimate Rewards earning card, the Ink Business Unlimited card allows you to convert cash back to Chase Ultimate Rewards points. This means you can combine Chase points from your separate card accounts and transfer them to the Ultimate Rewards program’s various airline and hotel partners.

While not everyone is eligible for a business credit card, it may be easier to be approved than you think, provided you have a “good to excellent” credit score of 670 or above, because freelancing and other sole-proprietor enterprises can count as a business in the eyes of Chase and many other issuers.

Let’s dive into the details.

New Ink Business Unlimited cardholders earn a $900 cash back bonus after spending $6,000 on purchases within the first three months from account opening.

This limited-time offer matches the best offer we saw on the card from September to November 2024.

You can redeem the welcome bonus as cash back, gift cards or travel booked through Chase Travel℠.

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However, you can more than double your return (potentially) if you pair the Ink Business Unlimited with a card that earns transferable Ultimate Rewards points, such as the Chase Sapphire Preferred® Card (see rates and fees).

According to TPG’s September 2025 valuations, those 90,000 Ultimate Rewards points are worth $1,845.

That’s a solid haul on a card that charges no annual fee.

Related: The best welcome offers this month

You get what you pay for when it comes to benefits, so it’s no surprise that the Ink Business Unlimited doesn’t offer as many perks as other cards with higher annual fees.

Its benefits are identical to those offered by the Ink Business Cash® Credit Card (see rates and fees), but they’re not quite as good as the perks offered on the Ink Business Preferred® Credit Card. Most notably, you will not get cellphone protection or trip cancellation/interruption insurance.

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

Here’s a quick rundown of what’s included:

• Purchase protection: This covers new purchases for up to 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
• Auto rental collision damage waiver: When renting a car for business purposes using the Ink Business Unlimited, you can decline the rental car company’s collision insurance and be covered by the card up to the vehicle’s cash value in the case of theft or collision damage. This is valid on most rentals in the U.S. and abroad, and coverage is primary, which means it applies before your own car insurance policy.
• Extended warranty: This extends a U.S. manufacturer’s warranty period by an additional year on eligible warranties of three years or less.
• Employee cards at no additional cost: If employees are allowed to use the account, they will be authorized users and will have equal charging privileges unless you establish individual spending limits.

The Ink Business Unlimited earns 1.5% cash back on all purchases using a straightforward rewards structure that does not require thinking about rotating or bonus categories. This represents both the beauty of this card and its potential downside.

For example, if you buy airfare with this card, you could be forgoing rewards of up to 8 points per dollar spent that a card like the Chase Sapphire Reserve® (see rates and fees) offers when booking via Chase Travel.

The same goes for paying for office supplies or internet service. The Ink Business Cash earns 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable, cellphone and landline services each account anniversary year (then 1% thereafter).

It also earns 2% back on the first $25,000 spent in combined purchases at gas stations and restaurants each year. All other purchases earn 1% cash back.

Be careful about only evaluating this card based on its cash-back value. The unlimited cash back offered by this card won’t give you the highest return among cash-back business credit cards — if you redeem for cash, anyway.

Related: How to pick a strategy for your small-business credit cards

Redeeming rewards on the Ink Business Unlimited

There are a few key ways to redeem your rewards: cash back, gift cards, travel or goods and services offered through Chase’s rewards program.

If you redeem for cash, you can receive your money as a statement credit or through an electronic deposit into an eligible U.S. checking or savings account. Points redeemed for cash, gift cards or travel are worth 1 cent apiece.

You can boost your redemption rate to an effective return of over 3% (based on TPG’s September 2025 valuations) on all spending if you move your points to a full-fledged Ultimate Rewards personal or business card, such as:

The other card must be registered to you, the owner of the company or a member of your household to qualify for a transfer.

The Ink Business Unlimited can represent an incredible value proposition when partnered with any of these other cards. Once you move points to an account that earns Ultimate Rewards points, you can transfer them to valuable airline and hotel partners or book travel directly through Chase Travel and receive a flat value for your points, dependent on the specific redemption. See your rewards program agreement for full details.

TPG credit card writer Danyal Ahmed holds both the Ink Business Unlimited and the Sapphire Reserve and always combines his points to transfer them to an airline. He recently transferred 75,000 points to Air Canada Aeroplan to book multicity business-class tickets for his entire family from London to Istanbul and then onward to Zurich.

Related: The power of the Chase Trifecta: Maximize your earnings with 3 cards

The Ink Business Unlimited‘s competitors are cards that offer a similar return on all spending. Business credit cards that offer fixed-rate rewards include:

Related: How to choose the best credit card for your business expenses

The Ink Business Unlimited is a valuable option for everyday spending if you pair it with the right card. Holding a premium Chase card like the Chase Sapphire Reserve can also maximize your business credit card rewards. However, watch out for Chase’s 5/24 restrictions.

The Ink Business Unlimited can be valuable in maximizing your rewards from business spending.

One advantage to opening Chase business credit cards is that they won’t add to your Chase 5/24 count once they’re open, even though applying for them in the first place is subject to the rule. So, if you qualify for business credit cards, it’s a good strategy to apply for a Chase business card first, before you apply for personal credit cards with Chase or other banks, which will count toward that 5/24 limit.

This card offers a great return on everyday spending, which can be supercharged if you have another card earning Chase Ultimate Rewards points.

Apply here: Ink Business Unlimited

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

Transfer bonuses can offer lucrative opportunities to maximize your points and miles and work your way toward fantastic award redemptions. You can sometimes get significantly more value from your rewards by transferring them to an airline or hotel partner during one of these bonus periods.

Remember, though, that these are limited-time offers, so you’ll need to act fast if you find one that suits your travel plans.

We’ve compiled transfer bonus updates for most major programs with transferable rewards to make tracking these offers easier. Just note that transfer bonuses are sometimes targeted, so some may not be available.

Chase Sapphire Reserve®: Earn 100,000 bonus points plus a $500 Chase Travel℠ promo credit after spending $5,000 on purchases in the first three months from account opening (see rates and fees).

American Express Membership Rewards is offering a targeted (up to) 30% transfer bonus to Hilton Honors. This targeted offer does not have a set expiration date, but check your accounts to see if you have access to this bonus.

Membership Rewards points typically transfer to Hilton at a 1:2 ratio. Several TPG staff members were targeted for the 30% transfer bonus, which means 1,000 American Express Membership Rewards points will turn into 2,600 Hilton points. Another TPG staffer was only targeted for a 25% transfer bonus, which means 1,000 American Express Membership Rewards points equate to 2,500 Hilton Honors points. Hilton uses dynamic pricing, so the number of points needed to book an award stay can vary depending on timing, seasonality and other factors.

How to earn American Express Membership Rewards points

If you’re looking to earn more of these valuable points, the following American Express cards could prove useful additions to your wallet:

• The Platinum Card® from American Express: Find out your offer and see if you are eligible for as high as 175,000 Membership Rewards points after spending $8,000 on purchases in the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.
• American Express® Gold Card: Find out your offer and see if you are eligible for as high as 100,000 Membership Rewards points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

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Based on TPG’s August 2025 valuations, Membership Rewards points are worth 2 cents each, and our tests indicate that they transfer instantly to most of American Express’ transfer partners.

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

Capital One is offering a 15% transfer bonus to Avianca LifeMiles until Aug. 31.

LifeMiles can be a rewarding way to book premium cabin travel on Star Alliance partners like Lufthansa and United Airlines. With no fuel surcharges, frequent award sales and the ability to buy miles at a discount, LifeMiles can deliver surprisingly good value, especially for business- and first-class redemptions on long-haul routes.

How to earn Capital One miles

If you’re looking to earn more transferable miles, the following Capital One cards are solid options to consider:

TPG’s August 2025 valuations peg Capital One miles at 1.85 cents apiece, and most transfers from Capital One will process instantly. For more details, check out our guides to the Capital One transfer partners and how to transfer Capital One miles.

Chase is currently offering a 50% bonus when you transfer Chase Ultimate Rewards points to Marriott Bonvoy by Aug. 15.

Since TPG values Marriott points at 0.7 cents apiece and Chase points at 2.05 cents per point, per our August 2025 valuations, we typically wouldn’t recommend transferring your Chase Ultimate Rewards points to Marriott Bonvoy, as you’ll most likely lose value. However, if you need to top off your account or find a really good redemption rate, transferring your points may make sense. As always, it’s best to crunch the numbers and find availability before transferring your points.

Remember, transfers are irreversible.

Related: When to transfer Chase points instead of booking a hotel through Chase Travel?

How to earn Chase Ultimate Rewards points

If you want to earn more Chase Ultimate Rewards points, the following Chase cards could make good additions to your wallet:

According to TPG’s August 2025 valuations, Chase Ultimate Rewards points are worth 2.05 cents each when maximized with travel partners. Most Ultimate Rewards points transfers will process instantly.

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

Citi ThankYou Rewards is currently offering a 25% bonus to The Leading Hotels of the World’s Leaders Club program. Citi ThankYou Rewards points usually transfer to this partner at a 5:1 rate, but with the transfer bonus, the rate increases to 4:1.

While this might seem like a poor transfer rate, Leaders Club redemptions start from just 4,000 points and include luxury properties worldwide, so it could be worth a look.

How to earn Citi ThankYou Rewards points

To earn more ThankYou Rewards points, consider these Citi credit cards:

TPG values Citi ThankYou Rewards points at 1.9 cents each, per our August 2025 valuations, and most transfers happen instantly.

Related: Citi ThankYou Rewards transfer partners: Redeem your points with airlines and hotels

Though you can transfer Marriott Bonvoy points to various airlines, the program is not currently offering any transfer bonuses.

How to earn Marriott Bonvoy points

If you’re looking to earn Marriott Bonvoy points, the following Marriott cards may be of interest:

According to TPG’s August 2025 valuations, Marriott Bonvoy points are worth 0.7 cents each. Some airlines take a few days (or even weeks) to receive the points.

Related: Marriott Bonvoy program: How to redeem points for hotel stays, airfare and more

If you don’t have a specific redemption in mind but still want to earn points or miles, you’re likely better off earning rewards through card welcome bonuses and everyday spending.

And we always recommend you ensure award availability before transferring your rewards.