Which card earns the most travel points?
100% View from the Wing
The Bilt Palladium Card stands out as the top choice for earning the most travel points, especially for high spenders. View from the Wing +1
Bilt Palladium Card
- Earns 3.3 points per dollar on 75% of rent or mortgage payments when using Bilt Cash, with potential for 4 points per dollar by forgoing Bilt Cash.
- Offers a 3-point accelerator on all spending when redeeming Bilt Cash for points. đź”—
- Ideal for those spending $25,000+ annually, justifying its $495 annual fee.đź”—
Chase Sapphire Reserve®
- Offers 150,000 bonus points after spending $6,000 in the first 3 months.
- Earns 3x points on travel and dining, with points transferable to 15+ airline and hotel partners. đź”—
- Includes $300 annual travel credit and access to Priority Pass lounges.
Citi Strata EliteSM Card
- 75,000 bonus points after spending $6,000 in the first 3 months.
- Earns 12 points per $1 on hotels, car rentals, and attractions booked via CitiTravel. đź”—
- 6 points per $1 on air travel and 6 points on select restaurant deliveries.đź”—
UnitedSM Business Card
- 110,000 bonus miles after spending $5,000 in the first 3 months.
- 10,000 bonus miles for adding an employee card.
- Includes $125 annual travel credit and 5,000-mile “better together” bonus with a personal Chase United card.🔗
Capital One Venture X Rewards
- $395 annual fee, but includes $300 annual travel credit and 10,000 bonus miles.
- Earns 2x points on all purchases, with points transferable to 15+ partners.đź”—
For maximum point earnings, the Bilt Palladium Card leads for high-volume users, while the Chase Sapphire Reserve and Citi Strata Elite offer strong value for mid-to-high spenders. View from the Wing +3
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Best Travel Rewards Cards For Earning Transferable Points That Avoid Premium Annual Fees
There’s no card that earns more for ongoing spending than the Bilt Palladium Card (See rates and fees). It’s a $495 annual fee card, and that I think that easily makes sense if you’re spending $25,000 or more a year on the card (that’s just a little over $2,000 a month). But not everyone is going to invest in an expensive card. I talk most about products like this, and the $795 annual fee Chase Sapphire Reserve® (See rates and fees) which even has an offer right now to earn 150,000 bonus points after you spend $6,000 on purchases
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The Best Travel Credit Card Strategy If You Mostly Fly Inside The U.S. — Since Most Advice Is Built For Trips You Won’t Take
Nick Reyes addresses the best rewards credit cards for domestic travelers, someone for whom redeeming points for long haul business class isn’t relevant. Most advice is predicated on business class travel because that’s where points transfers can deliver outsized value. His take, in essence (which is largely correct) centers around: Bilt Palladium Card (See rates and fees): earn 2 Bilt Points per dollar on all of your spending, and these are the best points. You can transfer to Alaska Atmos, United, Southwest and Hyatt, and the card gives you a Priority Pass. They have the biggest transfer bonuses. And
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Best Credit Card Offers Right Now Up To 200000 Points In Bonuses For Premium Travel [December 2025]
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Best Rewards Card Offers Right Now — Up To 175,000 Points In Bonuses For Premium Travel [July 2026]
The best credit card offers are the quickest, easiest way to earn a large amount of miles and jump start your travel. These are the most lucrative. There are several new best-ever and limited-time offers that have come out over the last several weeks. Many of the offers on this list are new. Every month I post what I find are the best credit card offers out there. Some of last month’s best credit card offers are gone or changed. What excites me is that card rewards really seem to be on the upswing in a big way. Now
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Best Rewards Card Offers Right Now — Up To 200,000 Points In Bonuses For Premium Travel [June 2026]
The best credit card offers are the quickest, easiest way to earn a large amount of miles and jump start your travel. These are the most lucrative. There are several new best-ever and limited-time offers that have come out over the last several weeks. Many of the offers on this list are new. Every month I post what I find are the best credit card offers out there. Some of last month’s best credit card offers are gone or changed. What excites me is that card rewards really seem to be on the upswing in a big way. Now