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HomePoints and MilesWhat Are Points and Miles Worth in ?

What Are Points and Miles Worth in June?

Here's what points and miles are worth from your credit card, airline and hotel rewards programs.

Advertiser Disclosure: Most products in our articles are from partners who may provide us with compensation. However, opinions expressed here are author's alone, not those of any bank, credit card issuer, airline or hotel chain.

What’s an airline miles or hotel point worth? If you collect frequent flyer miles or hotel rewards, then it’s important to know the value of each company’s rewards.

Just like foreign currencies, airline and hotel rewards have different values, and knowing those values will help you to choose the best credit cards for your needs. Knowing the value of your rewards can also help you to determine when it’s a good idea to redeem them, or when you’d be better off paying cash and saving your points and miles for later. You’ll also be able to decide whether or not it’s worth it to transfer credit card rewards to a specific airline program.

What Are Points and Miles Worth in June 2022?


American AAdvantage

May Value (Cents): 1.4
June Value (Cents): 1.4

Action: Hold

Notes:
American is the only remaining major domestic frequent flyer program with a published award chart.

American seems to be offering fewer awards at the lowest mileage levels, with some awards being priced at exorbitant high mileage levels

Extremely high fuel surcharges are imposed on British Airways award seats, which are often the only ones available to much of Europe, Africa and the Middle East.

You can now earn Loyalty Points towards elite status through credit cards spending on American Airlines cards from Citi or Barclays.
American Express Membership Rewards

May Value (Cents): 1.9
June Value (Cents): 1.9

Action: Hold

Notes:
Top transfer partners are Air Canada, Avianca, JetBlue, Virgin Atlantic, Singapore and British Airways.

Regular bonus offers for transfer to airline miles.

No major devaluations recently.
Capital One Miles

May Value (Cents): 1.7
June Value (Cents): 1.7

Action: Buy

Notes:
Most valuable partners include Air Canada, Avianca, Singapore, Turkish and Wyndham.

Virgin Red recently added.
Chase Ultimate Rewards

May Value (Cents): 2.2
June Value (Cents): 2.2

Action: Buy

Notes:
For Sapphire Reserve cardholders, points are worth 1.5 cents each towards travel booked through Chase.

Most valuable partners include Hyatt, United, and Southwest  and these partners continue to offer outstanding value. 
Citi ThankYou Points

May Value (Cents): 1.8
June Value (Cents): 1.8

Action: Hold

Notes:
Most valuable partners include Avianca, Singapore, Turkish and Virgin Atlantic.

Only one permanent domestic transfer partner (JetBlue).

Wyndham Rewards is a valuable transfer partner for hotels and vacation rentals. 
Delta Skymiles

May Value (Cents): 1.1
June Value (Cents): 1.1

Action: Hold

Notes:
Delta usually requires far more miles for award travel than American or United.

Prices for business and first class are especially high, and partner awards are being raised frequently.

Award tickets now count towards elite status.
Hilton Honors

May Value (Cents): 0.5
June Value (Cents): 0.5

Action: Hold

Notes:
Lowest value points of any major hotel program

Higher credit card earnings largely make up for the lower value

Fifth night free on award bookings can add 20% more value

No resort fees on award stays

Free breakfast benefit has been replaced by a less valuable credit at some hotels
IHG Rewards

May Value (Cents): 0.5
June Value (Cents): 0.5

Action: Buy

Notes:
New credit card revisions mean it’s easier to earn points.

Their elite status program is being revised for the better.

Extremely high dynamic pricing of awards.

Resort fees imposed on award stays.
Marriott Bonvoy

May Value (Cents): 0.4
June Value (Cents): 0.4

Action: Sell

Notes:
Marriott announced dynamic pricing earlier this year.

Marriott recently announced more cost-cutting service downgrades.

Resort fees imposed on award stays.

Large number of properties worldwide.
Southwest Rapid Rewards

May Value (Cents): 1.4
June Value (Cents): 1.4

Action: Hold

Notes:
Points have a fixed value, and Southwest sometimes lowers their value.

Award tickets can be canceled at any time for a full refund with no fees.

These fully refundable award tickets are actually more valuable than tickets bought with cash (that if canceled, only returns a credit that eventually expires).
United MileagePlus

May Value (Cents): 1.4
June Value (Cents): 1.4

Action: Hold

Notes:
Award prices have risen steadily, and cost more near departure.

No fuel surcharges ever added.

Numerous Star Alliance partners serve most of the world.
World of Hyatt

May Value (Cents): 1.8
June Value (Cents): 1.8

Action: Buy

Notes:
Over 100 all-inclusive resorts added in May.

Reasonable prices for award stays.

New seasonal award chart charges more points at peak times.

No resort fees on award stays.

Reading the Points Valuation Chart

The value of each point or mile is based on an average or typical redemption value, and I’ve evaluated the top four airline, hotel and credit card rewards programs. These valuations take into account any taxes or fees you might pay.

For example, a hotel may initially quote you a price of $200 a night, or 10,000 points, making it appear as if you’re getting 2.0 cents in value per point redeemed. But if paying in cash requires another $100 in taxes and resort fees which aren’t imposed on award bookings, then you’re actually receiving 3.0 cents in value per point redeemed. Point valuations are also shown for the previous month, so you can learn if there’s been a recent change.

But the current value of a point or mile doesn’t tell the whole story. Because people choose to participate in a program, and possibly apply for a credit card based on the future of a program, I’ve also included my evaluation of its prospects. And just like a stock recommendation, I’ve used the simple labels of Buy, Sell and Hold.

  • A Buy recommendation means that this program has been trending upward, and is becoming increasingly more valuable compared to its competitors.
  • A Hold recommendation indicates there’s been few significant changes to it recently.
  • A Sell recommendation means that I’ve seen devaluation and other negative changes to their terms and conditions.

Finally, I’ve included notes on each program that shine some light on the factors that lead me to arrive at each value.

Complexity of Determining Rewards Points Value

When you exchange currencies, you can easily look up the value of each, down to the smallest fraction of a penny. But when it comes to airline miles and hotel points, there’s rarely a fixed value. Instead, the value of your points and miles will reflect the ever-changing value of whatever you can redeem them for.

Sometimes, these programs can offer fantastic deals, such as luxury hotel stays or business class flight that offers you several cents in value per point or mile redeemed. But at the same time, other options could require redeeming several points or miles for every penny you receive in value.

Methodology: What Are Points and Miles Worth?

One way to come up with values is to shop for flights and hotels, and simply divide the number of points or miles by the cost. This sounds objective, but it would really just be based on which awards were chosen.

So while I certainly looked at the value of multiple redemptions, it was also necessary to incorporate my judgement and experience into the mix. I’ve been collecting credit card rewards and airline miles since I was a teenager in the 1980s (yes, I’m that old), and I’ve been studying the field and writing about it professionally since 2008. Over this time, I estimate that I’ve earned and spent over 10 million points and miles. I’ve also booked hundreds of award flights and hotel stays on behalf of myself, my family and friends. So the values listed in our table represent a combination of my latest research into points and miles, as well as my judgement based on my personal experience.

Travel Credit Card Offers

A popular way rewards travel aficionados earn large sums of points and miles in a short amount of time is through credit card sign-up bonuses. Essentially, card issuers offer new customers a welcome bonus as an incentive for opening an account. If you’re interested in earning rewards that you can put towards travel, here are some options you may want to look into.

Chase Sapphire Preferred® Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-5X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 5x points per dollar on travel booked through Chase Ultimate Rewards, 3x points on dining (including eligible takeout and delivery services), as well as 3x points on select streaming services and online grocery purchases (excluding Target, Walmart and wholesale clubs). This card earns 2x points on all other travel spending and 1x point per dollar everywhere else. Chase broadly defines travel to include not just airfare, hotels and rental cars, but expenses like parking, tolls and public transit too.

Sign-Up Bonus: New applicants can earn 60,000 bonus points after using their card to spend $4,000 on purchases in the first three months of account opening. That’s $750 when redeeming points to book travel through Chase Ultimate Rewards.

Who Should Use This Credit Card? People who are beginning with travel rewards cards.

Why We Like It

Why We Like the Chase Sapphire Preferred® Card

The Chase Sapphire Preferred actually works like having over a dozen different rewards credit cards. That’s because this credit card allows you to transfer your rewards points into miles with 11 airlines and points with three hotel programs.

Although the Chase Sapphire Preferred might not be ideal for the most frequent travelers and highest spenders, it’s part of a family of Chase cards that has a built-in upgrade path. So when it comes time to take your travel rewards game to the next level, you won’t have to start from scratch with an entirely different credit card and rewards program.

The card has a $95 annual fee, but the $50 annual Ultimate Rewards Hotel Credit effectively reduces that fee to $45. Plus, the credit card allows you to continue earning points through bonus categories and a 10% anniversary points boost. But when it comes time to redeem your rewards for travel, this card really shines. You can take advantage of some really strong transfer partners such as United, Southwest, Singapore Airlines, Virgin Atlantic and Hyatt. Similarly, you can just book any reservation you want through the Chase Ultimate Rewards travel center.

The Chase Sapphire Preferred Card is one of the gold standards for earning travel rewards. This travel credit card helps users earn points quickly with accelerated rewards in everyday spending categories like travel and dining.

Cardholders enjoy perks like a $50 annual hotel credit, 10% anniversary point boost and access to the Ultimate Rewards Travel portal, powered by Expedia.

New cardmembers can earn 60,000 bonus points after using their credit card to spend $4,000 within three months of account opening. This bonus is worth $750 in travel reservations booked through Chase Ultimate Rewards, but potentially more when transferred to airline and hotel partners. Read our full review of the Chase Sapphire Preferred Card.


Chase Sapphire Reserve®

Offer Details

Secure application on issuer’s website.

Annual Fee: $550
Bonus: 60,000 Points
APR: Variable Rate
Rewards Rate: 1X-10X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $550

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card offers 10x points per dollar spent on hotels and rental cars as well as 5x points on air travel booked directly through Chase Ultimate Rewards immediately after you spend $300 on travel purchases annually. Additionally, earn 3x points per dollar spent on all other travel and dining purchases and 1x everywhere else.

Sign-Up Bonus: Earn 60,000 bonus points after using your card to spend $4,000 within three months of account opening.

Who Should Use This Credit Card? Frequent travelers who are serious about earning travel awards.

Why We Like It

Why We Like the Chase Sapphire Reserve® Card

Right off the bat, Chase Sapphire Reserve features a $300 annual credit for travel purchases. That means the annual fee is effectively just $250 per year for frequent travelers. You also get free access to more than 1,300+ Priority Pass lounges and restaurant options around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal. Plus, the Sapphire Reserve will get you access to the upcoming Chase Sapphire Lounge network.

If you’re looking to elevate your travel experience, look no further than the Chase Sapphire Reserve. When you first get approved, you’ll earn 60,000 bonus points after you spend $4,000 in the first three months — that’s worth $900 in travel booked through Chase Ultimate Rewards and potentially more if you transfer your rewards to one of Chase’s airline or hotel partners.

The Chase Sapphire Reserve is among the top premium travel cards available. While this credit card comes with a hefty $550 annual fee, the Sapphire Reserve is packed with travel perks that more than make up for the expense.

Right off the bat, the Chase Sapphire Reserve features a $300 annual travel credit. You also get free access to more than 1,300 Priority Pass lounges and restaurant options in airports around the world. Those lounges usually give you free food and drinks, cleaner bathrooms, fast internet and a comfortable place to sit outside of the ruckus of an airport terminal.

New cardholders can also earn a sign-up bonus of 60,000 points after they spend $4,000 during the first three months of account opening. This Chase Sapphire Reserve bonus is worth $900 in travel redemptions when booking through the Chase Ultimate Rewards travel portal — where each point is worth at least 1.5 cents. Read our full Chase Sapphire Reserve review.


Capital One Venture Rewards Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 75,000 Miles
APR: Variable APR
Rewards Rate: 2X-5X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR based on creditworthiness.

Rewards Rate: The card offers a flat 2X miles on every purchase you make, giving cardholders predictability and simplicity. You’ll also earn 5X miles on all hotel and rental car purchases that you make with the card through Capital One’s proprietary travel booking platform.

Sign-Up Bonus: You can earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening.

Who Should Use This Credit Card? Travel rewards enthusiasts who want simplicity in credit card rewards and benefits.

Why We Like It

Why We Like the Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card offers a lot of value to beginner and expert travelers alike. The card’s big upfront bonus and high ongoing rewards rate aren’t easy to beat, making it a solid option for a large audience. Where it really shines, though, is with the redemption process. When it comes to travel credit cards, it can be really challenging to find a way to use your rewards in the way you want.

With hotel and airline credit cards, for instance, you’re basically stuck redeeming your points or miles with the co-branded hotel or airline partner. And with some general rewards programs, you might get less value if you use your points or miles to book a flight versus a rental car or hotel.

With the Capital One Venture Rewards Credit Card, though, you’ll get a lot of flexibility. Here are some of the top redemption options that are available: redeem miles to cover past travel expenses, book travel through Capital One or transfer miles to any of Capital One’s multiple airline and hotel loyalty programs.

The Capital One Venture Rewards Credit Card offers a lot of value to beginner and expert travelers alike. This travel rewards credit card’s big upfront sign-up bonus and high ongoing rewards rate aren’t easy to beat, making it a solid option for a large audience.

You’ll also get a lot of flexibility when it comes time to redeem your travel rewards including access to booking travel through Capital One and a long list of transfer partners (both hotels and airlines). Similarly, with no foreign transaction fees, the Capital One Venture Rewards Credit Card is ideal for people who regularly make international purchases. Read our full review of the Capital One Venture Rewards Credit Card.


Capital One VentureOne Rewards Credit Card

Offer Details
capital one ventureone card art

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 20,000 Miles
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1.25X-5X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: The card offers an introductory 0% APR for the first 15 months from account opening on purchases. The VentureOne Rewards Card charges a 3% balance transfer fee for transferred balances during the 15-month promotion.

APR: After the intro 0% APR offer concludes, a variable APR will apply.

Rewards Rate: The card offers unlimited 1.25x miles per dollar on every purchase you make. You’ll also earn 5X miles on all hotel and rental car purchases that you make with the card through Capital One’s proprietary travel booking platform.

Sign-Up Bonus: New cardholders can earn 20,000 bonus miles after spending $500 with the card during the first three months of account opening.

Who Should Use This Credit Card? Travel rewards enthusiasts who want simplicity in credit card rewards and benefits without paying an annual fee.

Why We Like It

Why We Like the Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card features several standout benefits. The introductory, 15-month APR of 0% is notable, and so is the 20,000 bonus mile opportunity with a low $500 spending requirement.

But perhaps the most appealing feature of this travel credit card is the ability to transfer miles to Capital One travel partners—an uncommon feature on a card with no annual fee.Plus, the ability to transfer miles to travel partners—both airlines and hotels—is arguably the most attractive feature of this travel card.

The Capital One VentureOne Rewards Credit Card may work well for travel credit card users who want to earn rewards without the cost of an annual fee.

The ability to transfer rewards miles to travel partners—both airlines and hotels—is arguably the most attractive feature of this travel card. The 0% introductory APR for 15 months, no foreign transaction fees, sign-up bonus of 20,000 miles once you spend $500 on purchases within the first three months, give the Capital One VentureOne Rewards Credit Card added value as well. Read our full review of the Capital One VentureOne Rewards Credit Card.


Airline Cards

Co-branded airline credit cards offer large sign-up bonuses to new cardholders, in addition to perks like upgraded boardings, free checked bags, discounts on in-flight purchases and more.

Southwest Rapid Rewards® Plus Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $69
Bonus: 75,000 Points
APR: Variable APR
Rewards Rate: 1X-2X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $69

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 2X points on Southwest purchases. Earn 2X points on local transit and commuting, including ride-sharing. Earn 2X points on internet, cable, phone services, and select streaming. Earn 1X points on all other purchases.

Sign-Up Bonus: New cardholders can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months your account is open.

Who Should Use This Credit Card? People who fly Southwest several times a year.

Why We Like It

Why We Like the Southwest Rapid Rewards® Plus Credit Card

This is the entry-level card for aspiring Rapid Rewards point earners, and new cardholders can earn a 75,000-point sign-up bonus, which can help get you closer to booking flights for your next travel destination.

Above all, for a modest $69 annual fee, the Rapid Rewards Plus credit card helps you rack up points as cheaply as possible, and all points earned with this card get you closer to a Southwest Companion Pass®.

Our favorite Rapid Rewards Plus perks include the 3,000 bonus points and 2 EarlyBird Check-Ins awarded to cardholders on the anniversary of your account opening. It’s all added incentive to retain the card after you’ve earned the introductory sign-up bonus.

The Southwest Rapid Rewards® Plus Credit Card is the entry level card for aspiring Rapid Rewards point earners. This airline credit card earns 2X points per dollar spent with Southwest and on Rapid Rewards hotel and car partners. It also earns 2X points per dollar spent on local transit and commuting, including ride-sharing services, as well as on internet, cable, phone services, and select streaming. Finally, the credit card earns 1X points on all other purchases.

Above all, for a modest $69 annual fee, the Rapid Rewards Plus credit card helps you rack up points as cheaply as possible. Our favorite Rapid Rewards Plus perks include the 3,000 bonus points and 2 EarlyBird Check-Ins awarded to cardholders on the anniversary of your account opening. It’s all added incentive to retain the card after you’ve earned the introductory sign-up bonus.


Southwest Rapid Rewards® Premier Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99
Bonus: 75,000 Points
APR: Variable APR
Rewards Rate: 1X-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 3X points on Southwest purchases. Earn 2X points on Rapid Rewards hotel and car partners. Earn 2X points on local transit and commuting, including ride-sharing. Earn 2X points on internet, cable, phone services, and select streaming. Earn 1X points on all other purchases.

Sign-Up Bonus: New cardholders can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months your account is open.

Who Should Use This Credit Card? People who fly Southwest a couple times a year.

Why We Like It

Why We Like the Southwest Rapid Rewards® Premier Credit Card

In addition to perks like no foreign transaction fees and being able to earn A-list flight status, the Southwest Rapid Rewards Premier also offers a generous 6,000 bonus points every cardholder anniversary. It’s these types of benefits that help round out the value of the $99 annual fee.

The Southwest Rapid Rewards Premier Credit Card also offers two EarlyBird Check-Ins each year, and all points earned with this card get you closer to a Southwest Companion Pass®.

In addition to perks like no foreign transaction fees, two complimentary EarlyBird Check-In vouchers each year and being able to earn A-list flight status, the Southwest Rapid Rewards® Premier Credit Card also offers a generous 6,000 bonus points every cardholder anniversary, which can often be enough to cover the cost of a one-way domestic flight. It’s these types of benefits that help round out the value of the $99 annual fee.

This airline credit card also earns 3X points per dollar on Southwest purchases and 2X points on Rapid Rewards hotel and car-rental partners. It also earns 2X points per dollar on local transit and commuting, including ride-sharing services. Additionally, this Southwest card rewards 2X points per dollar spent on internet, cable, phone services, and select streaming. It earns 1X points on all other purchases.


Southwest Rapid Rewards® Priority Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $149
Bonus: 75,000 Points
APR: Variable APR
Rewards Rate: 1X-3X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $149

APR: Variable APR depending on credit worthiness.

Rewards Rate: Earn 3X points on Southwest purchases. Earn 2X points on Rapid Rewards hotel and car partners. Earn 2X points on local transit and commuting, including ride-sharing. Earn 2X points on internet, cable, phone services, and select streaming. Earn 1X points on all other purchases.

Sign-Up Bonus: New cardholders can earn 75,000 bonus points after spending $5,000 on purchases in the first 3 months your account is open.

Who Should Use This Credit Card? Southwest loyalists and frequent flyers.

Why We Like It

Why We Like the Southwest Rapid Rewards® Priority Credit Card

When you look at benefits like a $75 annual travel credit, four upgraded boardings each year, free checked bags and discounts on in-flight purchases, the Southwest Rapid Rewards Priority is probably the most affordable of all the Southwest credit cards. Similarly, the 7,500 bonus points each cardmember anniversary really pack on the value and offset this card’s $149 annual fee.

The Southwest Rapid Rewards Priority Credit Card is as close to a premium credit card that Southwest Airlines offers non-business account holders. While its rewards-points earnings are the same as the Premier, the $149 annual fee does reward cardholders with a generous 7,500 bonus points on their account anniversary, as well as a $75 annual travel credit.

When you look at benefits like a $75 annual travel credit, four upgraded boardings each year, free checked bags and 25% back on in-flight purchases, the Southwest Rapid Rewards® Priority is probably the most affordable of all the Southwest credit cards. Similarly, the 7,500 bonus points each cardmember anniversary really pack on the value and offset this card’s $149 annual fee.

This airline credit card also earns 3X points per dollar on Southwest purchases and 2X points on Rapid Rewards hotel and car-rental partners. It also earns 2X points per dollar on local transit and commuting, including ride-sharing services. Additionally, this Southwest card rewards 2X points per dollar spent on internet, cable, phone services, and select streaming. It earns 1X points on all other purchases. Read our full review of the Southwest Rapid Rewards Priority Card here.


United Quest℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $250
Bonus: 80,000 Miles
APR: Variable Rate
Rewards Rate: 1X-3X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $250

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card features 3X miles per dollar on United purchases, 2X miles per dollar on restaurants, select streaming services and all other travel and 1X mile per dollar on all other purchases.

Sign-Up Bonus: New cardholders earn 80,000 miles after spending $5,000 with their new cards during the first three months of account opening.

Who Should Use This Credit Card? United loyalists who travel frequently with the airline.

Why We Like It

Why We Like the United℠ Quest Card

The United Quest Card comes with a lot of flair, and it can be an excellent choice for United enthusiasts who don’t travel quite enough to justify paying for the airline’s premium credit card.

Between the annual United purchase credit and award flight bonuses alone, you should be able to recoup the cost of the card’s annual fee. And if you regularly check bags, this card can be a lifesaver — most airline cards only offer the first checked bag free, so this would be a solid card to use for international flights.

Airline credit cards can be incredibly competitive. But in most cases, you have to shell out $450 or more to get the best airline benefits. With the new United Quest Card Card, though, you can take advantage of some of the best perks United Airlines has to offer with an annual fee that’s easier to stomach.

New United Quest cardholders can earn a sign-up bonus of 80,000 bonus miles after spending $5,000 in the first three months of account opening. You’ll also get a laundry list of travel perks including an annual $125 United purchase credit, two free checked bags for you and a companion, priority boarding and an application fee credit for Global Entry or TSA Pre✓® every four years — worth up to $100. Read our full review of the United Quest Card.


United℠ Explorer Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $95 (fee waived first year)
Bonus: Up to 70,000 Bonus Miles
APR: Variable APR
Rewards Rate: 1X-2X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95, waived for the first year

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card features 2X miles for every dollar spent on United purchases, at restaurants and eligible meal-delivery services like GrubHub, DoorDash, Seamless and Caviar. You also earn 2X miles for every dollar spent on hotel accommodations booked directly through the hotel. Additionally, you get 1X miles per dollar everywhere else.

Sign-Up Bonus: This card’s bonus is worth up to 70,000 bonus miles. New cardholders earn 60,000 bonus miles after spending $3,000 on purchases with their new cards in the first three months of account opening. Then, earn an additional 10,000 bonus miles by spending $6,000 total on purchases in the first six months the account is open.

Who Should Use This Credit Card? United loyalists who want to earn free and discounted airfare.

Why We Like It

Why We Like the United℠ Explorer Card

The United Explorer Card’s benefits are what makes it really stand out from the crowd. Here’s what you’ll get: One free checked bag for each flight, priority boarding, 25% back on inflight purchases, two United Club airport lounge passes every year and Global Entry or TSA Pre✓ application fee credit every four years.

The United Explorer Card also offers several trip protections including primary rental car insurance, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement and trip delay reimbursement. The card’s annual fee is $0 for the first year, then $95 after that, which will give you some time to confirm that it’s a good fit before the fee hits.

The best airline credit card for you is likely the card offered by the airline you fly with most. For total value, the United Explorer Card is tough to beat. Perks like free checked bags and complimentary airport lounge passes can more than compensate for its $95 annual fee, which is waived the first year. The cardholder and a companion can get one free checked bag each way. Use that once per calendar year for a roundtrip flight and you’ve already saved $140 with the card, more than the annual cost.

Additionally, new cardholders can earn a sign-up bonus of up to 70,000 MileagePlus Miles. First, earn 60,000 bonus miles after spending $3,000 on purchases in the first three months your account is open. After that, earn an additional 10,000 bonus miles after spending $6,000 total on purchases in the first six months of account opening.

United MileagePlus Miles can be used for United flights, as well as with partner airlines, upgrades, hotel accommodations, car rentals, gift cards and more. Read our full review of the United Explorer Card.


United Gateway℠ Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 30,000 Miles
Intro APR: 0% APR on Purchases for 12 Months
APR: Variable APR After Intro 0% APR Period
Rewards Rate: 1X-2X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

Intro APR: New cardholders receive 0% APR on purchases for 12 months.

APR: Variable APR depending on creditworthiness at the conclusion of the Intro APR period.

Rewards Rate: The card earns 2X miles per dollar spent on United Airlines purchases, at gas stations and on local transit and commuting and 1 mile per dollar spent on all other purchases.

Sign-Up Bonus: New cardholders earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open.

Who Should Use This Credit Card? People who fly United 2-3 times a year.

Why We Like It

Why We Like the United Gateway℠ Card

The United Gateway Card is the airline’s basic no-annual-fee credit card. It doesn’t offer a lot of perks. But if you’re just looking to dip your toe into airline rewards or want to try out United, it could be a good way to do that.

The United Gateway Card does offer some travel insurance and purchase protections such as rental car insurance, trip cancelation and interruption insurance, extended warranty protection and purchase protection that covers purchases against theft or damage up to 120 days after the transaction date, with up to $500 per claim and $50,000 total coverage.

The United Gateway℠ Card is a strong option for people interested in earning free flights with United Airlines, but who also don’t want to pay an annual fee. The Gateway Card gets new cardholders started off with a sign-up bonus of 30,000 MileagePlus Miles after spending $1,000 in the first three months of account opening. Additionally, enjoy 0% Intro APR on purchases for 12 months (variable APR applies after).

The United Gateway Card doesn’t offer a lot of the perks that other premium United credit cards provide, but for a no-annual-fee airline credit card, you’ll get 25% back on United inflight purchases, such as food, beverages and Wi-Fi, when you use your card to pay. You’ll also have the ability to use your miles to access exclusive experiences that aren’t available to non-cardholders. Read our full review of the United Gateway Card.


United Club℠ Infinite Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $525
Bonus: 100,000 Miles
APR: Variable APR
Rewards Rate: 1X-4X Miles
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $525

APR: Variable APR depending on credit worthiness.

Rewards Rate: The card earns 4X miles per dollar spent on United purchases, 2X miles per dollar spent on all other travel and dining purchases and 1X mile per dollar spent on all other purchases.

Sign-Up Bonus: New cardholders earn 100,000 bonus miles after spending $5,000 during the first three months of account opening.

Who Should Use This Credit Card? United loyalists who can look past the card’s big annual fee.

Why We Like It

Why We Like the United Club℠ Infinite Card

If you love United Airlines, can fly with the airline often and enjoy benefits like airport lounge access free checked bags and quick trips through airport security on busy travel days, then the United Club Infinite Card is made for you. It’s loaded with travel perks such as statement credits and valuable insurance benefits. Though, the card’s $525 annual fee is one of the highest on the market.

In addition to United Club membership, the card also offers up to a $100 statement credit for your application to TSA Pre✓® or Global Entry every four years, and priority check-in, security screening, boarding and baggage handling. Plus, the first and second checked bags free for you and one companion on every United flight — that’s worth up to $320 per round-trip itinerary.

The United Club Infinite Card is the airline’s premium rewards card. Although it carries a $525 annual fee, the United Club Infinite offers a host of luxury perks including complimentary access to the airline’s United Club lounges for you and a companion, two free checked bags for you and a companion, priority boarding, and a $100 statement credit for your application to TSA Pre✓ or Global Entry every four years.

New cardholders can earn a valuable sign-up bonus of 100,000 MileagePlus Miles after spending $5,000 in the first three months of account opening. Read our full review of the United Club Infinite Card.


Hotel Cards

In addition to generous welcome bonuses to new cardholders, hotel credit cards offer continuing value to members in the form of late check outs, access to status programs and perks like outsized points earning on purchases made directly with the brand.

IHG® Rewards Premier Credit Card

Offer Details

Secure application on issuer’s website.

Annual Fee: $99
Bonus: 140,000 Points
APR: Variable APR
Rewards Rate: 1X-26X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $99

APR: Variable APR depending on credit worthiness.

Rewards Rate: This hotel credit card awards up to 26X points per dollar at IHG Hotels, 5X points at gas stations, travel and restaurants and 3X points on all other purchases.

Sign-Up Bonus: New cardholders earn 140,000 bonus points after spending $3,000 on purchases within the first three months of account opening.

Who Should Use This Credit Card? Frequent customers of IHG hotels and other people who enjoy earning rewards nights for hotel stays and premium hotel status.

Why We Like It

Why We Like the IHG® Rewards Premier Credit Card

Aside from its astounding sign-up bonus, the IHG Rewards Premier offers tons of value, especially for loyal IHG customers. You get a free Reward Night every year on your account anniversary for use at eligible IHG hotels. Plus, when you redeem points for stays of three nights or longer at any IHG hotel, you earn a Reward Night.

Cardholders also enjoy Platinum Elite status as long as you remain a Premier card member. Plus, it offers a Global Entry, NEXUS or TSA Pre✓® fee credit of up to $100 every four years as reimbursement for the application fee charged to your card. IHG Rewards Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels and Holiday Inn®.

This IHG card is a traveler’s dream, especially if you’re already a loyal IHG customer. The perks accompanying this Chase co-branded credit card are worth way more than the $99 annual fee that comes with it.

The IHG® Rewards Premier Credit Card is a traveler’s dream, especially if you’re already a loyal IHG customer. The perks accompanying this co-branded Chase credit card are worth way more than the $99 annual fee. The IHG Rewards Premier Card comes with Platinum Elite Status, a free anniversary night every year and a free rewards night for reward stays three nights or longer. It’s great for international travel because there are no foreign transaction fees.

This hotel credit card comes with an attractive offer — new cardholders can earn a sign-up bonus of 140,000 points after spending $3,000 in the first three months of account opening.  A sign-up bonus like this can go a long way towards free reward nights at participating IHG hotels around the world, including InterContinental, Crowne Plaza, Kimpton, EVEN Hotels, Indigo Hotels and Holiday Inn. Read our full review of the IHG Rewards Premier card.


Marriott Bonvoy Bold®

Offer Details

Secure application on issuer’s website.

Annual Fee: $0
Bonus: 60,000 Points
APR: Variable APR
Rewards Rate: 1X-14X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $0

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers up to 14X total Bonvoy points per dollar spent at over 7,000 hotels participating in Marriott Bonvoy, 2X points on other travel purchases (from airfare to taxis and trains) and 1X point on all other purchases.

Sign-Up Bonus: This card offers 60,000 bonus points after spending $2,000 on purchases in your first three months from account opening.

Who Should Use This Credit Card? Marriott loyalists who want to earn rewards without an annual fee or for people who are dipping their toes into the Marriott rewards program.

Why We Like It

Why We Like the Marriott Bonvoy Bold® Credit Card

The Marriott Bonvoy Bold Credit Card is a solid choice if you’re interested in getting into the travel rewards game, but don’t want to commit to an annual fee. This credit card offers a solid welcome bonus and can be a great place to start, especially if you’re loyal to Marriott. Every cardmember year, you’ll receive 15 Elite Night Credits, which is enough to qualify you for Silver Elite Status with Marriott. This status level comes with 10% bonus points when you book Marriott stays with cash, late checkout when available and ultimate reservation guarantee.

As with other hotel cards, this one offers outsized rewards on purchases made with the hotel brand. You’ll earn up to 14 points per dollar at participating Marriott Bonvoy hotels — that includes 3X points per dollar from the card, 10x points per dollar as a Marriott Bonvoy member and 1X point per dollar as a Marriott Bonvoy Silver member, which you get automatically as a cardholder. The card also offers 2X points per dollar on other travel purchases and 1X point per dollar on all other purchases you make with the card.

The Marriott Bonvoy Bold® Credit Card is the hotel chain’s entry-level credit card. While this hotel credit card doesn’t offer the numerous perks that other Marriott credit cards do, the Bonvoy Bold has no annual fee. So it’s a nice addition to your wallet if you’re fee-averse and just want to dip your toe into Marriott Bonvoy Rewards.

New cardholders can earn a sign-up bonus of 60,000 points after spending $2,000 within the first three months of account opening. Plus, every cardmember year, you’ll receive 15 elite night credits, which is enough to qualify you for Silver elite status with Marriott. This status level comes with 10% bonus points on eligible hotel purchases, late checkout when available, and ultimate reservation guarantee. Read our full review of the Marriott Bonvoy Bold.


Marriott Bonvoy Boundless®

Offer Details

Secure application on issuer’s website.

Annual Fee: $95
Bonus: 5 Free Nights
APR: Variable APR
Rewards Rate: 2X-17X Points
Details: Full Review

Terms and restrictions apply

Offer Terms

Annual Fee: $95

APR: Variable APR depending on credit worthiness.

Rewards Rate: This card offers up to 17X total points for every dollar spent at over 7,000 hotels participating in Marriott Bonvoy, 3X points on groceries, gas stations and dining (valid for first $6,000 spent in combined purchases annually) and 2X points on all other purchases.

Sign-Up Bonus: This card offers new cardholders 5 Free Nights (valued at up to 50,000 points each) after spending $5,000 on purchases in the first 3 months from account opening

Who Should Use This Credit Card? Marriott loyalists and anyone who will stay in a hotel several times a year.

Why We Like It

Why We Like the Marriott Bonvoy Boundless® Credit Card

The Marriott Bonvoy Boundless Credit Card is a solid choice if you’re interested in getting into the travel rewards game and find yourself staying at Marriott properties several times a year. This hotel credit card offers some solid benefits, including the free elite night credits, a free anniversary night every card membership year, a welcome bonus, Silver Elite Status and more.

A lot of the ongoing value this card provides comes through its rewards program. In addition to the annually-awarded Elite Night Credits, cardholders can earn 1 Elite Night Credit towards Elite Status for every $5,000 spent. This helps make Elite Status more achievable, as all purchases made with the card count toward additional Elite Night Credits.

Cardholders earn up to 17X points per dollar on eligible purchases at Marriott properties — that’s 6X points per dollar from the credit card, 10X points per dollar as a Marriott Bonvoy member and 1X point per dollar for having Silver Elite Status, which is automatic with the card. You’ll also earn 3X points on the first $6,000 spent in combined annual purchases on gas stations, groceries and dining. Plus, earn 2X points per dollar on other purchases you make with the card. That base rewards rate is high compared with most travel credit cards, which settle on a 1X point per dollar base rate.

The Marriott Bonvoy Boundless® Credit Card is one of two Bonvoy cards offered by Chase, a card issuer that’s known for its top-of-class credit cards. For a limited time, new cardmembers can earn a sign-up bonus of 5 Free Nights (valued at up to 50,000 points each) after spending $5,000 within the first three months of account opening.

On the whole, the Bonvoy Boundless offers a lot of long-term value through rewards and various perks, including complimentary Marriott Silver Elite Status and a Free Night worth up to 35,000 points every cardmember anniversary when you renew your account. It’s these types of benefits that make up for the cost of this hotel credit card’s $95 annual fee. Read our full review of the Marriott Bonvoy Boundless.


Bottom Line

While it can be a complicated endeavor, understanding how much your rewards points and miles are worth will help you maximize the value you get from your travel redemptions. Plus, if you’re interested in applying for a new travel credit card, knowing the value of the rewards program’s points or miles will help you decide on the most valuable option.

Read More About Rewards Travel, Points & Miles:

While we work hard on our research, we do not always provide a complete listing of all available offers from credit-card companies and banks. And because offers can change, we cannot guarantee that our information will always be up to date, so we encourage you to verify all the terms and conditions of any financial product before you apply.

Jason Steele
Jason Steele
Jason Steele is a journalist who specializes in covering credit cards, award travel and other areas of personal finance. As one of the nation’s leading experts in the credit card industry, Jason’s work has been featured at mainstream outlets such as Yahoo! Finance, MSN Money and Business Insider.