Transferable Points Credit Cards in the US
🇺🇸 16 personal cards in United States earn bank or issuer points rather than miles from one airline, so the value depends on the airline partners and conversion ratios you can actually use.
Catalog checked 2026-10-20. Figures are in USD and come from issuer and program sources linked on each card profile.
At a glance
- 16 cards from 7 issuers: Chase, Capital One, American Express, Citi, Wells Fargo, U.S. Bank, Bilt.
- Recorded annual cost runs from $0 (Capital One VentureOne Rewards) to $895 (American Express Platinum Card).
- 1 card has no verified annual fee yet and is listed last.
- Most recorded airline partners: Capital One Venture Rewards (22). Recorded partners are not an exhaustive list.
Cards compared
| Card | Annual fee | Earning | Reward / route | Recorded partners | Checked |
|---|---|---|---|---|---|
| Wells Fargo Autograph | $0 | 1 Wells Fargo Rewards point per USD 1 other purchases; 3 on eligible restaurants, travel, gas/EV charging, transit, popular streaming and phone plans. | Wells Fargo Rewards points · Bank points | Not verified | 2026-10-14 |
| Bilt Blue Card | $0 | 1 Bilt Point per USD 1 on other purchases; up to 4 at Bilt partner restaurants; up to 3 on hotels and 2 on flights booked via the Bilt travel portal; up to 1.25 on… | Bilt Points · Bank points | Southwest Airlines Rapid Rewards, Qatar Airways Privilege Club, Japan Airlines Mileage Bank, JetBlue TrueBlue, Wyndham Rewards, I Prefer Hotel Rewards | 2026-10-20 |
| Citi Strata Card | $0 | 5 points per USD 1 on hotels, car rentals and attractions booked on cititravel.com; 3 at supermarkets, gas and EV charging stations/select transit, and one self-select… | ThankYou points · Bank points | American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, EVA Air, Choice Privileges, The Leading Hotels of the World | 2026-10-20 |
| Capital One VentureOne Rewards | $0 | 1.25 miles per USD 1 on every purchase; 5 on hotels, vacation rentals and rental cars booked through Capital One Travel. | Capital One miles · Bank points | Not verified | 2026-10-20 |
| Wells Fargo Autograph Journey | $95 | 5 points per USD 1 with hotels; 4 with airlines; 3 on restaurants and other travel; 1 on other purchases. | Wells Fargo Rewards points · Bank points | Not verified | 2026-10-20 |
| Bilt Obsidian Card | $95 | 1 Bilt Point per USD 1 on other purchases; up to 6 at Bilt partner restaurants; 3 on dining or groceries (choice; groceries up to USD 25,000 a year); up to 4 on hotels… | Bilt Points · Bank points | Southwest Airlines Rapid Rewards, Qatar Airways Privilege Club, Japan Airlines Mileage Bank, JetBlue TrueBlue, Wyndham Rewards, I Prefer Hotel Rewards | 2026-10-20 |
| Chase Sapphire Preferred | $95 | 5 points per USD 1 on Chase Travel (flights, hotels, rental cars, cruises, activities, tours); 3 on dining, gas and EV charging, vacation homes, online groceries (excl.… | Ultimate Rewards points · Bank points | Aer Lingus AerClub, Air Canada Aeroplan, Air France KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards and 6 more | 2026-10-20 |
| Citi Strata Premier | $95 | 10 points per USD 1 on hotels, car rentals and attractions booked on cititravel.com; 3 on air travel and other hotel purchases, restaurants, supermarkets, and gas and… | ThankYou points · Bank points | American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, EVA Air, Choice Privileges, The Leading Hotels of the World | 2026-10-20 |
| Capital One Venture Rewards | $95 | 2 miles per USD 1 on every purchase; 5 on hotels, vacation rentals and rental cars booked through Capital One Travel. | Capital One miles · Bank points | Aeromexico Rewards, Air Canada Aeroplan, Avianca LifeMiles, British Airways Executive Club, Cathay Pacific Asia Miles, Etihad Guest, Finnair Plus, Air France KLM Flying Blue and 14 more | 2026-10-20 |
| American Express Gold Card | $325 | 4 points per USD 1 at restaurants worldwide (up to USD 50,000 per calendar year) and at U.S. supermarkets (up to USD 25,000); 3 on flights booked with airlines or Amex… | Membership Rewards points · Bank points | Not verified | 2026-10-20 |
| Capital One Venture X Rewards | $395 | 2 miles per USD 1 on every purchase; 10 on hotels and rental cars and 5 on flights/vacation rentals booked through Capital One Travel (5 on Capital One Entertainment). | Capital One miles · Bank points | Aeromexico Rewards, Air Canada Aeroplan, Avianca LifeMiles, British Airways Executive Club, Cathay Pacific Asia Miles, Etihad Guest, Finnair Plus, Air France KLM Flying Blue and 14 more | 2026-10-20 |
| Bilt Palladium Card | $495 | 2 Bilt Points per USD 1 on other purchases; up to 5 at Bilt partner restaurants; up to 4 on hotels and 3 on flights via the Bilt travel portal; up to 1.25 on… | Bilt Points · Bank points | Southwest Airlines Rapid Rewards, Qatar Airways Privilege Club, Japan Airlines Mileage Bank, JetBlue TrueBlue, Wyndham Rewards, I Prefer Hotel Rewards | 2026-10-20 |
| Citi Strata Elite | $595 | 12 points per USD 1 on hotels, car rentals and attractions booked on cititravel.com; 6 on air travel booked on cititravel.com and at restaurants on Citi Nights; 3 at… | ThankYou points · Bank points | American Airlines AAdvantage, JetBlue TrueBlue, Virgin Atlantic Flying Club, Cathay Pacific Asia Miles, EVA Air, Choice Privileges, The Leading Hotels of the World | 2026-10-20 |
| Chase Sapphire Reserve | $795 | 8 points per USD 1 on Chase Travel; 4 on flights and hotels booked directly with the airline or hotel; 3 on dining worldwide; 1 on all other purchases. | Ultimate Rewards points · Bank points | Aer Lingus AerClub, Air Canada Aeroplan, Air France KLM Flying Blue, British Airways Executive Club, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards and 6 more | 2026-10-20 |
| American Express Platinum Card | $895 | 5 points per USD 1 on flights and prepaid hotels booked via Amex Travel; 1 on all other eligible purchases. | Membership Rewards points · Bank points | Not verified | 2026-10-20 |
| U.S. Bank Altitude Reserve Visa Infinite | Not verified | 1 point per USD 1 other eligible purchases; 3 eligible travel and mobile-wallet spend (mobile-wallet bonus capped at USD 5,000 per billing cycle); 10 prepaid… | Altitude Rewards points · Bank points | Not verified | 2026-10-14 |
What to check before applying
- Residency, income and credit requirements are set by the issuer and can exclude you even when the card is listed.
- Welcome offers, limited-time transfer bonuses and award availability are deliberately not modelled.
- Confirm the current fee, earning caps, exclusions and expiry on the issuer’s own page before you apply: open a card profile for its sources.
Bank points and airline miles are different currencies. The partner and ratio columns show only what the issuer’s terms state for that card; a missing partner is not proof that no conversion exists.
Related guides for United States
- All United States mileage cards
- Airline Co-Branded Credit Cards in the US
- No-Annual-Fee Miles Credit Cards in the US
- Business Credit Cards That Earn Miles in the US
- Hotel Credit Cards That Convert to Airline Miles in the US
- Singapore Airlines KrisFlyer credit cards in the US
- Cathay Pacific Asia Miles credit cards in the US
- Air France–KLM Flying Blue credit cards in the US
- Qatar Airways Privilege Club credit cards in the US
- British Airways Club credit cards in the US
- Virgin Atlantic Flying Club credit cards in the US
- British Airways Club program guide
- Virgin Atlantic Flying Club program guide
- Singapore Airlines KrisFlyer program guide
- Air France–KLM Flying Blue program guide
- Iberia Club program guide
- Cathay Pacific Asia Miles program guide
- Before you transfer points
- Award booking checklist
- US, UK, Canada and Australia overview