What are the best cards for warmongering points
36% One Mile at a Time
33% FrequentMiler
18% Monkey Miles
13% Other
The top credit cards for racking up valuable points focus on transferable rewards, high‑earning everyday categories, and rotating‑bonus opportunities.
Transferable Points Powerhouses
- Chase Sapphire Reserve – 4x points on direct airfare and hotel spending, plus strong travel protections.
- American Express Gold – high bonuses on dining and groceries that feed into Amex Membership Rewards, a premier transferable currency.
- Chase Sapphire Preferred – solid 2x points on travel and dining, and a flexible points pool that can be moved to airlines and hotels.
High‑Return Everyday Cards
- Citi Double Cash – 2% cash back (1% on purchase, 1% on payment) that can be a reliable base for non‑bonus spend.
- Chase Freedom Unlimited – 3% cash back on dining, 3% at drugstores, and 1.5% on all other purchases.
- The Blue Business Plus Credit Card from American Express – 2x points on purchases up to $50 k, then 1x, plus access to Amex Offers.
Rotating‑Category Boosters
- Chase Freedom Flex – 5x points on quarterly rotating categories plus a 1x base rate, ideal when paired with a Sapphire card for broader coverage.
Gas & International Travel Specialists
- Wells Fargo Autograph℠ Card – 3x points at gas stations worldwide.
- U.S. Bank Altitude® Connect Visa Signature – 4x points (effectively 4% cash back) on fuel purchases.
- Scotiabank Passport – 3x points abroad with no foreign‑exchange fees, plus Scene+ points redeemable at 1 cent each.
FrequentMiler Best credit card combinations for earning tons of transferable points
In our opinion, transferable points programs like Chase Ultimate Rewards and Amex Membership Rewards are the most valuable points (or “miles”) to accumulate. These points can often be used to book discounted travel and, even better, can be strategically transferred to airline and hotel programs when valuable awards are available. In some cases, it’s possible to supercharge your points-earning in these programs by combining the benefits of multiple cards. For example, you can use one card to earn more points at gas stations, another card to earn more at grocery stores and yet another card to get the most
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Often buying points strategically can be a good value, especially for luxury travel experiences where you can get the most outsized value. Virgin Atlantic Flying Club doesn’t sell points often, but when the program does, it’s typically a pretty good deal. The latest such promotion has just been launched, and could be worth considering, as it’s in line with the best offers we typically see from the program. In this post: Between December 1 and December 31, 2025, the Virgin Atlantic Flying Club program is offering a bonus on purchased points. The program is offering a tiered bonus
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