Compare Travel Credit Cards

Interested in figuring out which credit cards offer the best rewards for travelers? Our visualization is here to help. We've built a model for each credit card to determine how it rewards you for spending money and what those rewards are worth. You can compare the travel rewards by card or take a look at how each card performs over time by changing the display options in our one of a kind infographic. The default spending assumption is $1,000 a month. You can change this by going to the model inputs section below.

Disclaimer: This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. To see an explanation of the valuation click on a card to see the assumptions ValuePenguin has made in assessing the value of the rewards.
Display
By Card
  • $ Value
    The total value of the card at the end of the period by card. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
  • $ Rewards
    The dollar value of rewards earned at the end of the period by card.
  • % Rewards
    The dollar value of rewards as a percentage of total spending by card.
  • APR
    The minimum APR for each card.
  • Annual Fee
    The annual fee for each card.
  • Bonus Value
    The dollar value of signing and continuing bonuses by card.
By Month
  • $ Value
    The dollar value of each card by month. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
  • % Value
    The value of each card as a percentage of total spending by month. The card value accounts for the dollar value of the rewards as well as any fees associated with the card.
  • $ Rewards
    The dollar value of rewards earned by month.
  • % Rewards
    The dollar value of rewards as a percentage of total spending by month.
  • Card Filters
  • Model Inputs

Filter and choose the travel cards you would like to compare by selecting by category or toggling each card individually.

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  • Hotels
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  • Cruises
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  • Cashback
  • Our Picks
VentureOne Rewards Credit Card
Venture Rewards Credit Card
Delta Reserve Credit Card
Gold Delta SkyMiles Credit Card
Platinum Delta SkyMiles Credit Card
The Starwood Preferred Guest® Credit Card from American Express
JetBlue Card
Hilton HHonors Credit Card
Hilton HHonors Surpass® Credit Card
American Express® Blue Sky
BankAmericard® Travel Rewards
Priceline Rewards™ Visa Card
Lufthansa Premier Miles & More® World Mastercard®
US Airways Premier World MasterCard®
Choice Privileges® Visa
Wyndham Rewards® Visa® Credit Card
Travelocity® Rewards American Express® Card
Carnival World™ MasterCard®
Aer Lingus Rewards MasterCard®
Best Western Rewards® MasterCard®
China Airlines MasterCard® (Fee)
China Airlines MasterCard® (No-Fee)
Frontier Airlines World MasterCard® (Fee)
Frontier Airlines World MasterCard® (No-Fee)
Holland American Line Rewards Visa Card
Icelandair World MasterCard® (Fee)
Icelandair World MasterCard® (No-Fee)
Lufthansa Miles & More® World MasterCard®
RCI® Elite Rewards® MasterCard®
Princess Cruises Rewards Visa Card
Barclaycard Arrival™ World MasterCard® (No-Fee)
Barclaycard Arrival™ World MasterCard® (Fee)
Chase Sapphire Preferred® Credit Card
Chase Sapphire® Credit Card
United MileagePlus® Club Card
United MIleagePlus® Explorer Credit Card
Marriott Rewards® Credit Card
Marriott Rewards® Premier Credit Card
British Airways Visa Signature® Credit Card
Southwest Airlines® Rapid Rewards® Premier Credit Card
Southwest Airlines® Rapid Rewards® Plus Credit Card
IHG Rewards Club Select Visa Credit Card
Hyatt Credit Card
Fairmont Visa Signature® Credit Card
Ritz-Carlton Rewards Credit Card
Disney Premier Visa® Credit Card
Disney Rewards Visa® Credit Card
Citi® Hilton HHonors™ Visa Card
Citi® Hilton HHonors™ Reserve Card
Citi® Platinum Select® / AAdvantage® World MasterCard®
Citi Executive / AAdvantage World Elite MasterCard
Citi Gold / AAdvantage World MasterCard
Navy Federal Credit Union Flagship Rewards Visa Signature
PenFed Premium Travel Rewards American Express Card
US Bank FlexPerks Rewards Visa Card
Club Carlson Premier Rewards Visa Signature Card
LANPASS Visa Signature Card

The Best Travel Credit Cards

If graphs aren't your thing, below are all the available travel credit cards ranked based on the estimated rewards value you would receive by using that card. You can see additional details about how the rewards break down as well as individual card features by clicking on the name of the card.

Note: The value listed is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

VentureOne Rewards Credit Card
Annual Fee $0
APR 11.99 - 19.9%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles are applied as statement credits towards ANY hotel, airlines, car rentals, taxis or train tickets

Card Features

  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates

Earning Rewards

  • 1.25 miles for every dollar spent
  • Miles are not capped and do not expire

Promotions

  • Receive 20,000 miles once you spend $2,000 within the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

Venture Rewards Credit Card
Annual Fee (Fee waived for the first year) $59
APR 13.99 - 20.9%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles are applied as statement credits towards ANY hotel, airlines, car rentals, taxis or train tickets

Card Features

  • Miles are not capped and do not expire
  • No foreign transaction fees
  • No blackout dates

Earning Rewards

  • 2 miles for every dollar spent
  • Miles are not capped and do not expire

Promotions

  • Receive 20,000 miles once you spend $2,000 within the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 miles to receive $1 in statement credit towards any travel purchase
    1 miles valued at 1 cents

Delta Reserve Credit Card
Annual Fee $450
APR 15.24 - 19.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

SkyMiles can be used toward upgrades or for award travel on Delta Airlines and on SkyMiles partner airlines such as Aeromexico, Air France, Alaska Airlines, Alitalia, Hawaiian, KLM, Korean Air, and Virgin Airlines

Card Features

  • Delta Sky Club Access for you and two companions with complimentary Wi-Fi and snacks
  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations

Earning Rewards

  • 2 miles on Delta flight and vacation purchases
  • 1 mile on other purchases

Promotions

  • Earn 10,000 Medallion Qualification Miles and 10,000 bonus miles after the first purchase
  • After $30,000 in eligible purchases, you can earn 15,000 bonus miles and 15,000 MQMs each calendar year
  • After $60,000 in eligible purchases, you can earn an extra bonus of 15,000 bonus miles and 15,000 MQMs each calendar year

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    LGA to DEN roundtrip, Presidents Day Wknd (booked 2 months in advance)
    $610 or 50,000 miles
    1 Skymiles valued at 1.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Pay for Delta flights through the Pay By Miles Program
    100 points for 1 dollar towards the ticket
    1 Skymiles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    JFK to CVG roundtrip, Dec 24 - Dec 25
    $920 dollars or 40,000 miles
    1 Skymiles valued at 2.3 cents

Gold Delta SkyMiles Credit Card
Annual Fee (Fee waived for the first year) $95
APR 15.24 - 19.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

SkyMiles can be used toward upgrades or for award travel on Delta Airlines and on SkyMiles partner airlines such as Aeromexico, Air France, Alaska Airlines, Alitalia, Hawaiian, KLM, Korean Air, and Virgin Airlines

Card Features

  • Check your first bag for free and save up to $50 on a round-trip Delta flight
  • Priority boarding on Delta flights
  • Discounted Admission to Delta Sky Clubs for you and two companions
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 miles on Delta flight and vacation purchases
  • 1 mile on other purchases

Promotions

  • Earn 30,000 bonuses miles after you make $1,000 in purchases within your first 3 months and a $50 Statement Credit after you make a Delta purchase with your new card within your first 3 months.

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    LGA to DEN roundtrip, Presidents Day Wknd (booked 2 months in advance)
    $610 or 50,000 miles
    1 Skymiles valued at 1.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Pay for Delta flights through the Pay By Miles Program
    100 points for 1 dollar towards the ticket
    1 Skymiles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    JFK to CVG roundtrip, Dec 24 - Dec 25
    $920 dollars or 40,000 miles
    1 Skymiles valued at 2.3 cents

Platinum Delta SkyMiles Credit Card
Annual Fee $150
APR 15.24 - 19.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

SkyMiles can be used toward upgrades or for award travel on Delta Airlines and on SkyMiles partner airlines such as Aeromexico, Air France, Alaska Airlines, Alitalia, Hawaiian, KLM, Korean Air, and Virgin Airlines

Card Features

  • Get a R/T domestic first class or economy class companion certificate upon each annual renewal
  • First checked bag free on Delta flights
  • No waiting - Priority Boarding
  • Save 20% on in-flight purchases
  • Discounted admission to Delta Sky Clubs for you and two companions
  • Redeem Delta SkyMiles for award travel, cabin upgrades, magazine and newspaper subscriptions, Broadway tickets, or charitable donations
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 miles on Delta flight and vacation purchases
  • 1 mile on other purchases

Promotions

  • Earn 5,000 MQMs and 35,000 Bonus Miles after spending $1,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    LGA to DEN roundtrip, Presidents Day Wknd (booked 2 months in advance)
    $610 or 50,000 miles
    1 Skymiles valued at 1.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Pay for Delta flights through the Pay By Miles Program
    100 points for 1 dollar towards the ticket
    1 Skymiles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    JFK to CVG roundtrip, Dec 24 - Dec 25
    $920 dollars or 40,000 miles
    1 Skymiles valued at 2.3 cents

The Starwood Preferred Guest® Credit Card from American Express
Annual Fee (Fee waived for the first year) $65
APR 15.24 - 19.24%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Starpoints can be used for free night awards at Starwood hotels. Hotels include Sheraton, Westin, W Hotels, Le Meridien, St. Regis and others.

Card Features

  • Redeem Starpoints for free nights at over 1,100 hotels in nearly 100 countries
  • Transfer Starpoints to nearly 30 airline frequent flyer programs and 350 airlines, with SPG Flights mostly on a one-to-one basis. You can receive a 5,000 Starpoint bonus when you transfer 20,000 Starpoints to a participating frequent flyer program
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 Starpoints for each $1 spent at participating Starwood properties
  • 1 Starpoint per $1 on everything else

Promotions

  • Earn up to 15,000 Bonus Starpoints if you spend $5,000 in the first 6 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Westin Hotel in Alabama (Category 3 Hotel)
    $159 or 7,000 Starpoints
    1 Starpoints valued at 2.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: W New York, late January weekday
    $339 or 25,000 points
    1 Starpoints valued at 1.35 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: Element Miami Intl Airport
    $279 or 7,000 points
    1 Starpoints valued at 3.98 cents

JetBlue Card
Annual Fee (Fee waived for the first year) $40
APR 15.24 - 19.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

TrueBlue points can be used for award travel primarily on JetBlue and other partner airlines.

Card Features

  • Get 50% off inflight purchases
  • Get a $50 credit each year you purchase a Getaways vacation package
  • No blackout dates on JetBlue
  • Redeem JetBlue TrueBlue points towards award travel starting at 5,000
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 2 TrueBlue points per $1 on JetBlue flights and Getaways vacation packages on jetblue.com
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 20,000 TrueBlue points after you spend $1,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 TrueBlue points valued at 1.1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 TrueBlue points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 TrueBlue points valued at 1.8 cents

Hilton HHonors Credit Card
Annual Fee $0
APR 15.24 - 19.24%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Hhonors points can be used to book hotel night awards at the Hilton, Waldorf Astoria, Conrad, Doubletree, Embassy Suites, Hampton Inn, etc.

Card Features

  • Redeem Hilton HHonors points towards free hotel nights without blackout days
  • Complimentary Silver status with credit card
  • Account upgraded to HHonors Gold status after spending more than $20,000 on the Card during the year (benefits: 25% bonus on HHonors Base Points, room upgrades when available, and free high-speed Internet and health club access)
  • +500 HHonors Bonus Points when booking Hilton hotel reservations online with HH credit card
  • 10% discount and +500 HHonors points when booking private car and driver at EmpireCLS Worldwide with this card
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 7 HHonors Bonus Points for every dollar spent with a participating hotel or resort
  • 5 HHonors Bonus Points for each dollar spent at US restaurants, supermarkets, and gas stations

Promotions

  • Earn 40,000 Hilton HHonors after spending $750 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Hilton Netherlands Hotel (Category 5)
    $109 a night or 30,000 Points
    1 HHonors points valued at 0.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: Hampton Inn & Suites Miami (Category 7)
    $228 per night or 60,000 points
    1 HHonors points valued at 0.38 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: DoubleTree Cincinnati (Category 4)
    $149 a night or 20,000 points
    1 HHonors points valued at 0.745 cents

Hilton HHonors Surpass® Credit Card
Annual Fee $75
APR 15.24 - 19.24%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Hhonors points can be used to book hotel night awards at the Hilton, Waldorf Astoria, Conrad, Doubletree, Embassy Suites, Hampton Inn, etc.

Card Features

  • Redeem Hilton HHonors points towards free hotel nights without blackout days
  • Complimentary Gold status with credit card
  • Upgrade to Diamond status after spending more than $40,000 on the card in the year
  • Airport lounge access with Priority Pass at $27 per person
  • +500 HHonors Bonus Points when booking Hilton hotel reservations online with HH credit card
  • 10% discount and +500 HHonors points when booking private car and driver at EmpireCLS Worldwide with this card
  • Access to Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events in your city
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 12 HHonors Bonus Points for every dollar spent with a participating hotel or resort
  • 6 HHonors Bonus Points for each dollar spent at US restaurants, supermarkets, and gas stations

Promotions

  • Earn 60,000 Hilton HHonors after spending $3,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Hilton Netherlands Hotel (Category 5)
    $109 a night or 30,000 Points
    1 HHonors points valued at 0.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: Hampton Inn & Suites Miami (Category 7)
    $228 per night or 60,000 points
    1 HHonors points valued at 0.38 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: DoubleTree Cincinnati (Category 4)
    $149 a night or 20,000 points
    1 HHonors points valued at 0.745 cents

American Express® Blue Sky
Annual Fee $0
APR 17.24 - 22.24%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Blue Sky points can be applied as statement credits towards purchase with any airline ticket, hotel stay or car rental.

Card Features

  • Points can be redeemed in the form of statement credit, gift cards, merchandise and used toward travel: flights, hotel stays, car rentals, cruises, and for any travel package
  • Global Assistance hotline, roadside assistance, travel accident protection, and car rental loss and damage protection
  • Exclusive access to ticket presales and American Express cardmember-only events
  • Extended warranty and protection for purchases made on the card

Earning Rewards

  • 1 point for every $1 spent

Promotions

  • Earn 7,500 bonus points after you spend $1,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 7500 points for $100 statement credit
    1 points valued at 1.33 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 7500 points for $100 statement credit
    1 points valued at 1.33 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 7500 points for $100 statement credit
    1 points valued at 1.33 cents

BankAmericard® Travel Rewards
Annual Fee $0
APR 14.99 - 22.99%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be applied as statement credits towards purchase with ANY airline ticket, hotel stay or car rental.

Card Features

  • Annual 10% customer points bonus on your total purchases
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned

Earning Rewards

  • 1.5 points for every $1 spent everywhere
  • 3 points per $1 on first $6,000 spent on air travel each year

Promotions

  • Earn 10,000 bonus points if you spend $500 in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 points for $1 statement credit or cashback
    1 points valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 points for $1 statement credit or cashback
    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 points for $1 statement credit or cashback
    1 points valued at 1 cents

Priceline Rewards™ Visa Card
Annual Fee $0
APR 14.99 - 21.99%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used as general statement credits towards any purchase > $25 within the past month, or any Name Your Own Price priceline purchase within the past ninety days

Card Features

  • Redeem points for statement credits against purchases made on the Priceline credit card: can be used to pay for flights, hotel stays, car rentals, gift cards, or any other purchase on the card
  • Reward redemptions begin at $25

Earning Rewards

  • 5 pointsfor everty $1 spent on priceline.com purchases
  • 1 point per $1 spent on everything else

Promotions

  • Earn 5,000 points after spending $1,000 in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 points valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 points valued at 1 cents

Lufthansa Premier Miles & More® World Mastercard®
Annual Fee $79
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used to book award flights on Lufthansa and Star Alliance partners

Card Features

  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, and Star Alliance airlines and other partners
  • Complimentary Companion ticket after first purchase, then every year after
  • $79 Annual Fee waived for Senator and HON Circle Members
  • No foreign transaction fee

Earning Rewards

  • 2 miles per $1 spent on Miles and More integrated airlines
  • 1 mile per $1 spent on all other purchases

Promotions

  • Earn 20,000 award miles with first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 miles valued at 1 cents

US Airways Premier World MasterCard®
Annual Fee $89
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used to book award flights and upgrades on US Airways, American Airlines and Star Alliance partners

Card Features

  • Annual companion certificate good for up to 2 companions tickets at $99 each
  • First class check in and Zone 2 boarding
  • One complimentary US Airways Club day pass each year
  • Book award flights for 5,000 fewer miles - award travel starts at just 20,000 miles for cardmembers
  • Redeem Dividend miles for flights, seat upgrades, magazines, newspapers, and charitable donations

Earning Rewards

  • 2 miles per $1 spent on US Airways
  • 1 mile per $1 spent on all other purchases

Promotions

  • Earn 30,000 points when you make your first purchase
  • Earn up to 10,000 for a balance transfer in the first 30 days
  • Annual companion ticket good for up to 2 companion tickets at $99 each

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day Wknd (booked 2 months in advance)
    $633 or 50,000 miles
    1 miles valued at 1.26 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Itinerary: LGA to ATL mid January
    $257 or 25,000 points
    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $696 or 40,000 miles
    1 miles valued at 1.74 cents

Choice Privileges® Visa
Annual Fee $0
APR 15.24 - 19.99%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Choice Privilege points can be used to reserve free hotel nights at Choice properties including Comfort Inn, Quality Inn, Sleep Inn, Clarion Hotel, etc.

Card Features

  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships

Earning Rewards

  • 15 points per $1 spent at Choice Privileges locations
  • 5 points per $1 spent on additional points or Choice Hotels gift card purchases
  • 2 points per eligible $1 spent on everything else

Promotions

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 points valued at 0.774 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 0.774 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 points valued at 0.774 cents

Wyndham Rewards® Visa® Credit Card
Annual Fee $69
APR 14.99 - 19.99%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Wyndham rewards can be used for free nights at Wyndham properties,

Card Features

  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more

Earning Rewards

  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else

Promotions

  • Earn 30,000 bonus points with first purchase
  • Earn 5,500 Bonus Points on your account anniversary every year

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 points valued at 0.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 0.5 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 points valued at 0.5 cents

Travelocity® Rewards American Express® Card
Annual Fee $0
APR 14.99 - 24.99%
Rewards Usage Hotels, Airlines, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used as general statement credits towards any purchase or be used to pay for award travel booked on Travelocity.com

Card Features

  • Points can be redeemed for statement credits towards Travelocity purchases for Flights, Hotels, and Vacation Packages
  • No blackout dates or restrictions
  • 5,000 points = $50 statement credit, 10,000 points = $100 statement credit, 20,000 = $400 statement credit

Earning Rewards

  • 3 points per $1 spent on Travelocity purchases
  • 1 point per $1 spent on all other purchases

Promotions

  • Earn 5,000 points after your first purchase
  • Earn an additional 5,000 points after your spend $1,000 in the first 90 days of opening your account

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 10,000 points for $100
    1 points valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 5000 points for $50
    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 20,000 points for $400 dollars
    1 points valued at 2 cents

Carnival World™ MasterCard®
Annual Fee $0
APR 13.99 - 20.99%
Rewards Usage Cruises

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

FunPoints can be used for discounts towards cruise vacations, onboard credits, spa services, etc.

Card Features

  • Redeem FunPoints towards cruise nights, Sail & Sign purchases onboard, spa or massage packages
  • FunPoints can be redeemed toward nights on Carnival, Princess Cruises, Holland America Line, Costa Cruises, and the Yachts of Seabourn

Earning Rewards

  • 2 FunPoints per $1 spent on all Carnival Cruise Line purchases
  • 1 "FunPoint" per $1 spent everywhere else

Promotions

  • Earn 5,000 Bonus FunPoints® when you use your card for the first time
  • Earn 5,000 Bonus FunPoints® when you transfer a balance of $5,000 or more within the first 30 days of account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem for onboard credits 100 points for $1
    1 Funpoints® valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem for onboard credits 100 points for $1
    1 Funpoints® valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    $1,800 Cruise Fare for 120,000
    1 Funpoints® valued at 1.5 cents

Aer Lingus Rewards MasterCard®
Annual Fee $0
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Gold Circle Club miles can be used for upgrades as well as award flights on Aer Lingus and select partner airlines

Card Features

  • Redeem miles for Aer Lingus flights and upgrades - beginning at 15,000 miles for roundtrip, shorthaul (inter-European) tickets
  • Auto Rental Collision Damage Waiver when you pay for your rental with the Aer Lingus MasterCard

Earning Rewards

  • 2 points per $1 spent on Aer Lingus purchases
  • 1 point per $1 spent on all other purchases

Promotions

  • Earn 5,000 bonus points after your first purchase or balance transfer

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 points valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 25,000 points for $200 off a transatlantic ticket or travel package
    1 points valued at 0.8 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 points valued at 1 cents

Best Western Rewards® MasterCard®
Annual Fee $0
APR 13.99 - 24.99%
Rewards Usage Hotels, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for Global Free Night Room Vouchers at Best Western's family of hotels, or converted to miles at American, Alaska Airlines, Delta, US Airways, Southwest, etc.

Card Features

  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
  • Additional upgrade to Diamond Elite Status after spending more than $10,000 in new transactions each year on the Best Western credit card

Earning Rewards

  • 15 points per $1 spent on Best Western purchases
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 16,000 bonus points after your first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 points valued at 0.45 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 0.45 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 points valued at 1 cents

China Airlines MasterCard® (Fee)
Annual Fee $59
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Dyansty Flyer miles can be used to upgrade cabin seats, or to book award flights on China Airlines or SkyTeam partner airlines

Card Features

  • Redeem Dynasty Flyer miles towards free flights, cabin upgrades, VIP lounge usage, and excess baggage fees

Earning Rewards

  • 2 miles for every $1 spent on China Airlines travel
  • 1 mile for every $1 spent anywhere else

Promotions

  • Earn 7,500 bonus miles with your first purchase or balance transfer
  • Earn up to 5,000 bonus miles when you complete a balance transfer within the first 30 days of account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 miles valued at 1 cents

China Airlines MasterCard® (No-Fee)
Annual Fee $0
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Dyansty Flyer miles can be used to upgrade cabin seats, or to book award flights on China Airlines or SkyTeam partner airlines

Card Features

  • Redeem Dynasty Flyer miles towards free flights, cabin upgrades, VIP lounge usage, and excess baggage fees

Earning Rewards

  • 1 mile for every $1 spent on China Airlines travel
  • 1 mile for every $2 spent anywhere else

Promotions

  • Earn 2,500 bonus miles with your first purchase or balance transfer
  • Earn up to 5,000 bonus miles when you complete a balance transfer within the first 30 days of account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 miles valued at 1 cents

Frontier Airlines World MasterCard® (Fee)
Annual Fee $69
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

EarlyReturns miles can be used to upgrade seats purchased, or to book award travel on Frontier Airlines

Card Features

  • Companion tickets can be redeemed for 5,000 fewer EarlyReturns miles
  • Redeem EarlyReturns miles for award flights, car rentals, Denver Zoo admissions, stays at Carlson Rezidor hotels, and magazines and newspapers

Earning Rewards

  • 2 miles for every $1 spent on Frontier purchases
  • 1 mile for every $1 spent on everything else

Promotions

  • Earn 40,000 bonus miles after spending $500 in the first 90 days
  • Earn up to 10,000 bonus miles (1 mile per $1) with balance transfers in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Itinerary: DEN to DFW roundtrip
    $127 or 20,000 miles
    1 miles valued at 0.6 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: LAX to LGA round trip
    $700 or 20,000 miles
    1 miles valued at 3.5 cents

Frontier Airlines World MasterCard® (No-Fee)
Annual Fee $0
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

EarlyReturns miles can be used to upgrade seats purchased, or to book award travel on Frontier Airlines

Card Features

  • Redeem EarlyReturns miles for award flights, car rentals, Denver Zoo admissions, stays at Carlson Rezidor hotels, and magazines and newspapers

Earning Rewards

  • 1 mile for every $1 spent on Frontier purchases
  • 1 mile for every $2 spent on everything else

Promotions

  • Earn 10,000 bonus miles after your first purchase or balance transfer
  • Earn up to 10,000 bonus miles (1 mile per $1) with balance transfers in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Itinerary: DEN to DFW roundtrip
    $127 or 20,000 miles
    1 miles valued at 0.6 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: LAX to LGA round trip
    $700 or 20,000 miles
    1 miles valued at 3.5 cents

Holland American Line Rewards Visa Card
Annual Fee $0
APR 13.99 - 20.99%
Rewards Usage Cruises

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for onboard credits, discounts, and special amenities onboard Holland American cruises

Card Features

  • Redeem rewards towards discounted, reduced, and free cruise redemptions
  • Visa Signature rewards include access to exclusive events and special offers, travel and emergency assistance, travel accident insurance, roadside dispatch, lost luggage reimbursements, and auto rental collision damage waiver

Earning Rewards

  • 2 points per $1 spent on all Holland America purchases
  • 1 point per $1 spent on all other purchases

Promotions

  • Earn 5,000 points upon first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Use 10,000 points for $100 off the price of any cruise
    1 valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Use 10,000 points for $100 off the price of any cruise
    1 valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Use 300,000 points for a free cruise up with a value up to $7,500
    1 valued at 2.5 cents

Icelandair World MasterCard® (Fee)
Annual Fee $39
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Saga points can be used for award flights on Iceland Air, Finnair, and Air Iceland, as well as upgrades in seats and service

Card Features

  • Redeem points for cruise discounts, onboard credits, special occasions, exclusive Holland America offers, and airfare discounts

Earning Rewards

  • 2 points per $1 spent on Icelandair travel
  • 1 point per $1 spent everywhere else

Promotions

  • Earn up to 10,000 Saga Points after your first purchase or balance transfer
  • Earn up to 10,000 Saga Points when you complete a balance transfer within 30 days of account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 Saga Points valued at 1.4 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 Saga Points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 Saga Points valued at 2.9 cents

Icelandair World MasterCard® (No-Fee)
Annual Fee $0
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Saga points can be used for award flights on Iceland Air, Finnair, and Air Iceland, as well as upgrades in seats and service

Card Features

  • Redeem points for cruise discounts, onboard credits, special occasions, exclusive Holland America offers, and airfare discounts

Earning Rewards

  • 1 point per $1 spent on Icelandair travel
  • 1 point per $2 spent everywhere else

Promotions

  • Earn up to 5,000 Saga Points after your first purchase or balance transfer
  • Earn up to 10,000 Saga Points when you complete a balance transfer within 30 days of account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 Saga Points valued at 1.4 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 Saga Points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 Saga Points valued at 2.9 cents

Lufthansa Miles & More® World MasterCard®
Annual Fee $59
APR 15.99 - 24.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used to book award flights on Lufthansa and Star Alliance partners

Card Features

  • Free Companion Ticket (economy class) upon the first use of the new Lufthansa World MasterCard, and on the anniversary of your account opening
  • Redeem miles for flight awards and upgrades on Lufthansa, Austrian Airlines, Brussels Airlines, SWISS, Star Alliance airlines and other partners

Earning Rewards

  • 1 award mile per $1 spent on all purchases

Promotions

  • Earn up to 15,000 award miles with first purchase
  • Earn up to 10,000 award miles with a balance transfer within 30 days of account opening
  • Annual Economy Class Companion Ticket

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 miles valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 miles valued at 1 cents

RCI® Elite Rewards® MasterCard®
Annual Fee $0
APR 13.99 - 24.99%
Rewards Usage Rewards

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for resort dollars and RCI member rewards

Card Features

  • Redeem rewards toward membership renewals, exchange fees, worldwide travel (flights, car rentals, hotels, etc.), merchandise, gift cards, and RCI Resort Dollars cards

Earning Rewards

  • 2 points per $1 spent on RCI purchases
  • 1 point per $1 spent everywhere else

Promotions

  • Earn up to 2,500 bonus rewards after your first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 rewards valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 rewards valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 rewards valued at 1 cents

Princess Cruises Rewards Visa Card
Annual Fee $0
APR 13.99 - 20.99%
Rewards Usage Cruises

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for Princess cruises, cruise discounts, or towards onboard credits

Card Features

  • Redeem rewards towards discounted, reduced, and even free cruise redemptions
  • Points can also be redeemed for special occasions, spa experiences, onboard credits, Princess merchandise, and airfare discounts

Earning Rewards

  • 2 points per $1 spent on Princess purchases
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 5,000 Bonus Princess Points after your make your first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    $100 off any cruise with Princess for 10,000 points (1x value)
    1 valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    $100 off any cruise with Princess for 10,000 points (1x value)
    1 valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Free cruise up to $7,500 for 375,000 points
    1 valued at 2 cents

Barclaycard Arrival™ World MasterCard® (No-Fee)
Annual Fee $0
APR 14.99 - 18.99%
Rewards Usage Hotels, Airlines, Cruises, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used towards ANY hotel stays, flights, cruises, rail travel, and car rentals

Card Features

  • Complimentary TripIt Pro subscription ($49 value)
  • Reimbursement for expenses if your baggage is delayed or lost
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage

Earning Rewards

  • 2 miles per $1 spent on travel and dining
  • 1 mile per $1 spent on everything else

Promotions

  • 20,000 bonus miles when you spend $1,000 in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 towards a travel purcahse and receive 10% miles back
    1 miles valued at 1.1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit
    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 miles to receive $1 towards a travel purcahse and receive 10% miles back
    1 miles valued at 1.1 cents

Barclaycard Arrival™ World MasterCard® (Fee)
Annual Fee (Fee waived for the first year) $89
APR 14.99 - 18.99%
Rewards Usage Hotels, Airlines, Cruises, Car Rentals

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used towards ANY hotel stays, flights, cruises, rail travel, and car rentals

Card Features

  • Complimentary TripIt Pro subscription ($49 value)
  • Reimbursement for expenses if your baggage is delayed or lost
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
  • No blackout dates

Earning Rewards

  • 2 miles per $1 spent on all purchases

Promotions

  • 40,000 bonus miles when you spend $3,000 in the first 90 days

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 towards a travel purcahse and receive 10% miles back
    1 miles valued at 1.1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit
    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 miles to receive $1 towards a travel purcahse and receive 10% miles back
    1 miles valued at 1.1 cents

Chase Sapphire Preferred® Credit Card
Annual Fee (Fee waived for the first year) $95
APR 15.99%
Rewards Usage Airlines, Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for rewards travel through Chase or can be transferred for a 1:1 valuation at select travel partners

Card Features

  • No blackout dates or restrictions
  • 20% off travel redeemed via Chase's Ultimate Rewards website
  • 1:1 point transfer to participating frequent travel programs at full value

Earning Rewards

  • 2 points per $1 spent on restaurants and all travel and transportation
  • 3 points per $1 spent on all travel and transportation booked via Chase's Ultimate Rewards website
  • 1 point per dollar on all other purchases

Promotions

  • 40,000 bonus points after spending $3,000 in the first three months
  • 5,000 bonus points after adding the first authorized user and make a purchase in the first 3 months from account opening
  • 7% Annual Points Dividend on all new and redeemed points

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 in statement credit and Get 20% miles discount when booked through Chase's Ultimate Rewards website
    1 points valued at 1.25 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit
    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Transfer points to partner airline or hotel loyalty program for better rewards value
    1 points valued at 1.3 cents

Chase Sapphire® Credit Card
Annual Fee $0
APR 15.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Redeem points for travel, gift cards, merchandise, cash back and more

Card Features

  • Points never expire, and there are no limits on how many points you can earn
  • No caps, expiration dates, or blackout dates
  • 24/7 direct access to customer service
  • No Annual Fee

Earning Rewards

  • 2 points per $1 spent on restaurants
  • 2 points per $1 spent on airfare and hotel purchased through Chase's Ultimate Rewards website
  • 1 point per $1 on all other purchases

Promotions

  • 10,000 bonus points after spending $500 in the first three months
  • 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem 100 miles to receive $1 in statement credit
    1 points valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem 100 miles to receive $1 in statement credit
    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem 100 miles to receive $1 in statement credit

    1 points valued at 1 cents

United MileagePlus® Club Card
Annual Fee $395
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel or upgrades on United or any Star Alliance airline partner

Card Features

  • United Club membership
  • First and second bags are checkable for free
  • No foreign transaction fee
  • Miles don't expire

Earning Rewards

  • 2 points per $1 spent on tickets purchased from United
  • 1.5 points per $1 spent on everything else

Promotions

  • Receive a $100 statement credit after your first purchase
  • United Club membership
  • 1st and 2nd checked bags are free
  • Priority check-in, screening, and boarding
  • No foreign transaction fees

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day weekend
    $610 or 50,000 miles
    1 miles valued at 1.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $920 or 40,000 miles
    1 miles valued at 2.3 cents

United MIleagePlus® Explorer Credit Card
Annual Fee (Fee waived for the first year) $95
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel or upgrades on United or any Star Alliance airline partner

Card Features

  • First checked bag free
  • Priority boarding
  • Two United Club Passes per year
  • No foreign transaction fee

Earning Rewards

  • 2 points per $1 spent on tickets purchased from United
  • 1 point per $1 spent on everything else

Promotions

  • Earn 30,000 Bonus Miles after your spend $1,000 in the first 3 months
  • Earn 5,000 bonus miles when you add an authorized user to your account and make a purchase with your Card during the first 3 months
  • Earn 10,000 bonus miles every calendar year you spend at least $25,000 on your Card

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day weekend
    $610 or 50,000 miles
    1 miles valued at 1.2 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $920 or 40,000 miles
    1 miles valued at 2.3 cents

Marriott Rewards® Credit Card
Annual Fee (Fee waived for the first year) $45
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all Marriott and Ritz Carlton locations

Card Features

  • One free Elite Night for every $3,000 spent on Marriott card
  • Unlimited points accumulation
  • Several types of purchase and travel protection features

Earning Rewards

  • 3 points for every $1 spent at over 3,700 Marriott locations
  • 1 point for every $1 spent on purchases anywhere else

Promotions

  • Earn 30,000 bonus points after you spend $1,000 in your first 3 months
  • 2 free nights (at category 1 - 4 hotels)
  • Earn 10 Nights Credit toward your next Elite membership level every year after account anniversary
  • 1 free Elite Night for every $3,000 spent on Marriott card

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: Category 5 Hotel
    $200 or 25,000 miles
    1 points valued at 0.8 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Itinerary: Category 5 Hotel
    $200 or 25,000 miles
    1 points valued at 0.8 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: Category 2 Hotel
    $125 a night or 10,000 points
    1 points valued at 1.25 cents

Marriott Rewards® Premier Credit Card
Annual Fee (Fee waived for the first year) $85
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all Marriott and Ritz Carlton locations

Card Features

  • Earn 1 Elite Night Credit for every $3,000 spent
  • No foreign transaction fees
  • Card has global acceptance with Chip and Signature Technology

Earning Rewards

  • 5 points for every $1 spent at over 3,700 Marriott locations
  • 2 points for every $1 spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants
  • 1 point for every $1 spent on purchases anywhere else

Promotions

  • Earn 50,000 bonus points after your spend $1,000 in your first 3 months
  • 1 free night stay at a category 1-4 hotel after account approval
  • Earn 15 nights credit toward Elite status every year upon account anniversary
  • 1 free night stay every year at Category 1-5 hotel after account anniversary
  • 1 Elite Night Credit for every $3,000 spent

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: Category 5 Hotel
    $200 or 25,000 miles
    1 points valued at 0.8 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Itinerary: Category 5 Hotel
    $200 or 25,000 miles
    1 points valued at 0.8 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: Category 2 Hotel
    $125 a night or 10,000 points
    1 points valued at 1.25 cents

British Airways Visa Signature® Credit Card
Annual Fee $95
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel or upgrades on British Airways or any OneWorld alliance airline partner

Card Features

  • Each year you make $30,000 in purchases on your British Airways Visa SIgnature card you earn a Travel Together Ticket good for two years
  • No foreign transaction fees
  • Card has global acceptance with Chip and Signature Technology

Earning Rewards

  • 2.5 points for every $1 spent on British Airways purchase
  • 1.25 points for every $1 spent on all other purchases

Promotions

  • Earn 50,000 Bonus Avios after you make $2,000 in purchases in the first 3 months
  • Every calendar year you make $30,000 in purchases on your British Airways Visa Card, you'll earn a Travel Ticket good for two years

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 Avios valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 Avios valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 Avios valued at 1 cents

Southwest Airlines® Rapid Rewards® Premier Credit Card
Annual Fee $99
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel on Southwest Airlines

Card Features

  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward seats
  • Points don't expire
  • No blackout dates
  • No Foreign Transaction fees

Earning Rewards

  • 2 points per $1 spent on Southwest Airlines and AirTran purchases made with the airline
  • 2 points per $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point per $1 spent on everything else

Promotions

  • Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account
  • Earn 6,000 bonus points after your Cardmember Anniversary

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: Wanna Get Away® DEN to IND roundtrip
    $540 or 31,000 points
    1 points valued at 1.7 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: Wanna Get Away® Ft. Laud to LAX roundtrip
    $400 or $17,000 points
    1 points valued at 2.4 cents

Southwest Airlines® Rapid Rewards® Plus Credit Card
Annual Fee $69
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel on Southwest Airlines

Card Features

  • Flight change fees waived
  • Free bags - up to two per flight
  • Unlimited Reward Seats
  • No blackout dates on flights or expiration of points accumulated

Earning Rewards

  • 2 points per $1 spent on Southwest Airlines and AirTran purchases made with the airline
  • 2 points per $1 spent on Rapid Rewards Hotel and Car Rental purchases
  • 1 point per $1 spent on everything else

Promotions

  • Earn 25,000 bonus points after spending $1,000 in first 3 months of opening your account
  • Earn 3,000 bonus points after your Cardmember Anniversary

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: Wanna Get Away® DEN to IND roundtrip
    $540 or 31,000 points
    1 points valued at 1.7 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 points valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: Wanna Get Away® Ft. Laud to LAX roundtrip
    $400 or $17,000 points
    1 points valued at 2.4 cents

IHG Rewards Club Select Visa Credit Card
Annual Fee (Fee waived for the first year) $49
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all IHG Hotels Worldwide

Card Features

  • Free night rewarded at each renewal anniversary date
  • No foreign transaction fees
  • You qualify for IHG Rewards Club Platinum Elite status

Earning Rewards

  • 5 points per $1 spent when you stay at IHG hotels
  • 2 points per $1 spent at gas stations, grocery stores, and restaurants
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 60,000 Bonus Points after you spend $1,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Cincinnati
    $121 or 20,000 points
    1 points valued at 0.6 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: Chicago July 4th
    $162 or 45,000 points
    1 points valued at 0.36 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: Miami, March
    $299 or 35,000 points
    1 points valued at 0.85 cents

Hyatt Credit Card
Annual Fee (Fee waived for the first year) $75
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all Hyatt locations

Card Features

  • No foreign transaction fees
  • One free night every year on your cardmember anniversary. Receive 2 stay credit and 5 night credits toward DIamond status upon spending $20,000 in each calendar year
  • Receive an additional 3 stay credits and 5 night credits toward Diamond status upon spending $40,000 in each calendar year

Earning Rewards

  • 3 points per $1 spent at all Hyatt properties
  • 2 points per $1 spent at restaurants and airline tickets purchased directly from the airline and at car rental agencies
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 2 free nights after spending $1,000 within the first 3 months
  • Earn 1 Free night at any Category 1-4 property on your cardmember anniversary

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Hyatt Place Chicago River North (Category 4)
    $263 or 15,000 points
    1 points valued at 1.75 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample booking: Hyatt Place New York Midtown South (Category 5)
    $329 or 20,000 points
    1 points valued at 1.6 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: Hotel in Cincinnati (Category 1)
    $134 or 5,000 points
    1 points valued at 2.7 cents

Fairmont Visa Signature® Credit Card
Annual Fee (Fee waived for the first year) $95
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all Fairmont Hotels & Resorts

Card Features

  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year

Earning Rewards

  • 5 points per $1 spent on Fairmont stays
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent on all other purchases

Promotions

  • Enjoy 2 complimentary nights after you spend $1,000 within the first 3 months of account opening
  • Earn 1 complimentary night stay each anniversary year when you make $12,000 in purchases that year

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 Fairmont Rewards valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 Fairmont Rewards valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 Fairmont Rewards valued at 1 cents

Ritz-Carlton Rewards Credit Card
Annual Fee $395
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for hotel stays or room upgrades at all Ritz Carlton and Marriott locations

Card Features

  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $200 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year

Earning Rewards

  • 5 points per $1 spent at any Ritz-Carlton or partner hotel
  • 2 points per $1 on airline tickets purchased directly with the airline
  • 1 point per $1 spent everywhere else

Promotions

  • Earn 70,000 rewards points after you spend $2,000 in the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Tier 5, NYC, 70,000 points, $745, Mid March
    1 points valued at 1.06 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Tier 1, St Louis, 30,000 points, $320, Late January
    1 points valued at 1.06 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Tier 3, Hawaii, 50,000 points, $559, Mid March
    1 points valued at 1.18 cents

Disney Premier Visa® Credit Card
Annual Fee $49
APR 15.24%
Rewards Usage Disney Theme Parks, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used towards purchases at Disney Theme Parks, airline travel, and Disney movie tickets

Card Features

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations
  • Character Meet 'N' Greet for cardmembers only when visiting Disneyland and Walt Disney World

Earning Rewards

  • 2% in Disney Dream Reward Dollars dollars at gas stations, grocery stores, restaurants, and Disney locations
  • 1% on all other purchases

Promotions

  • Earn $100 Disney gift card after spending $500 in the first three months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

Disney Rewards Visa® Credit Card
Annual Fee $0
APR 15.24%
Rewards Usage Disney Theme Parks, Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used towards purchases at Disney Theme Parks, airline travel, and Disney movie tickets

Card Features

  • Save 10% on merchandise purchases of $50 or more at DisneyStore.com and physical locations

Earning Rewards

  • 1% in Disney Dream Reward Dollars®cash back on everyday card purchases

Promotions

  • Earn $50 Disney gift card after first purchase

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Redeem for a Disney Rewards® Redemption Card
    1 rewards valued at 100 cents

Citi® Hilton HHonors™ Visa Card
Annual Fee $0
APR 14.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for free nights at Hilton's 3,900 hotels and resorts

Card Features

  • HHonors silver status with fast-track to HHonors Gold status after 4 stays within your first 90 days of cardmembership
  • Receive HHonors Silver Status for free

Earning Rewards

  • 6 HHonors Bonus Points per $1 spent on hotel stays at Hilton properties
  • 3 HHonors Bonus Points per $1 spent at supermarkets, drugstores, and gas stations
  • 2 HHonors Bonus Points per $1 spent on all other purchases

Promotions

  • Earn 40,000 HHonors Bonus Points after spending $1,000 within the first 4 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Hilton Netherlands Hotel (Category 5)
    $109 a night or 30,000 Points
    1 HHonors points valued at 0.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: Hampton Inn & Suites Miami (Category 7)
    $228 per night or 60,000 points
    1 HHonors points valued at 0.38 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: DoubleTree Cincinnati (Category 4)
    $149 a night or 20,000 points
    1 HHonors points valued at 0.745 cents

Citi® Hilton HHonors™ Reserve Card
Annual Fee $95
APR 15.24%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for free nights at Hilton's 3,900 hotels and resorts

Card Features

  • Get Hilton Honors Gold Status as a cardmember
  • No foreign transaction fees
  • No caps and expiration on points if you use your card at least once a year
  • Earn an anniversary bonus for one weekend night at select hotels
  • No points cap

Earning Rewards

  • 10 points per dollar at a Hilton hotel
  • 5 points per dollar for airfare and car rentals
  • 3 points per dollar on all other purchases
  • Get Hilton Honors Gold Status as a cardmember

Promotions

  • Earn 2 weekend nights after spending $2,500 in the first four months
  • Earn an anniversary bonus of one weekend night after spending more than $10,000 each year

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Booking: Hilton Netherlands Hotel (Category 5)
    $109 a night or 30,000 Points
    1 HHonors points valued at 0.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Sample Booking: Hampton Inn & Suites Miami (Category 7)
    $228 per night or 60,000 points
    1 HHonors points valued at 0.38 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Booking: DoubleTree Cincinnati (Category 4)
    $149 a night or 20,000 points
    1 HHonors points valued at 0.745 cents

Citi® Platinum Select® / AAdvantage® World MasterCard®
Annual Fee (Fee waived for the first year) $95
APR 13.99 - 21.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel on American Airlines, American Eagle, and the American Connection carrier or any SkyTeam partner airlines

Card Features

  • First checked bag free for you and up to four traveling companions
  • Priority boarding
  • 25% discount on in-flight purchases

Earning Rewards

  • 2 miles for every $1 you spend on American Airlines
  • 1 mile for every $1 spent on other purchases

Promotions

  • Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases the first 3 months
  • Earn a $100 American Airlines Flight Discount each year of card membership in which you spend $30,000 or more in purchases
  • Earn 10% of redeemed miles back (up to 10,000 miles each year)

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day Weekend
    $508 or 37,500 miles
    1 AAdvantage miles valued at 1.35 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 AAdvantage miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $932 or 37,500 miles

    1 AAdvantage miles valued at 2.48 cents

Citi Executive / AAdvantage World Elite MasterCard
Annual Fee $450
APR 15.24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel on American Airlines, American Eagle, and the American Connection carrier or any SkyTeam partner airlines

Card Features

  • Admirals Club membership for you and your immediate family
  • No foreign transaction fees
  • First checked bag is free for you and your companions
  • Priority check-in, screening, and boarding
  • Receive a 25% savings on eligible in-flight purchases
  • No annual mileage cap

Earning Rewards

  • 2 AAdvantage miles per $1 spent on AA purchases
  • 1 AAdvantage mile per $1 spent on everything else

Promotions

  • Earn 30,000 American Airlines AAdvantage bonus miles after $1,000 in purchases the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day Weekend
    $508 or 37,500 miles
    1 AAdvantage miles valued at 1.35 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 AAdvantage miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $932 or 37,500 miles

    1 AAdvantage miles valued at 2.48 cents

Citi Gold / AAdvantage World MasterCard
Annual Fee $50
APR 13.99 - 21.99%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel on American Airlines, American Eagle, and the American Connection carrier or any SkyTeam partner airlines

Card Features

  • Save 25% on eligible in-flight food and beverage purchases
  • No blackout dates on award travel
  • No spending limit

Earning Rewards

  • 1 AAdvantage mile for every $1 spent everywhere

Promotions

  • Earn 25,000 American Airlines AAdvantage bonus miles after $700 in purchases the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Sample Itinerary: LGA to DEN roundtrip, Presidents Day Weekend
    $508 or 37,500 miles
    1 AAdvantage miles valued at 1.35 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 AAdvantage miles valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    Sample Itinerary: JFK to CVG roundtrip, Dec 24 - Dec 25
    $932 or 37,500 miles

    1 AAdvantage miles valued at 2.48 cents

Navy Federal Credit Union Flagship Rewards Visa Signature
Annual Fee $49
APR 10%
Rewards Usage

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Card Features

  • Rewards can be redeemed for cash back, account deposits, gift cards, merchandise, or annual fee credit
  • No limit to the points you can earn, and points never expire
  • No foreign transaction fee
  • Collision damange waiver for rental cars, extended warranty services, travel accident insurance, and travel and emergency assistance

Earning Rewards

  • 2 points with every $1 of net purchases

Promotions

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 valued at 1 cents

PenFed Premium Travel Rewards American Express Card
Annual Fee $0
APR 10%
Rewards Usage

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Earning Rewards

  • 5 points on airfare purchases and 1 point on all other purchases

Promotions

  • Earn 20,000 bonus points after spending $2,500 within the first 3 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 valued at 1 cents

US Bank FlexPerks Rewards Visa Card
Annual Fee (Fee waived for the first year) $49
APR 14 - 24%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used to book flights on over 150 airlines through US Bank

Earning Rewards

  • 2 FlexPoint for every $1 spent on your highest spending category out of: airlines gas or groceries
  • 1 FlexPoint for every $1 spent on everything else
  • 3 FlexPoints for every $1 in charitable donations

Promotions

  • Earn 20,000 bonus FlexPoints if you spend $3,500 in the first 4 months

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    1 valued at 1 cents

  • Conservative Value

    (The floor value for the value of a reward)

    1 valued at 1 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    1 valued at 1 cents

Club Carlson Premier Rewards Visa Signature Card
Annual Fee $75
APR 14 - 23%
Rewards Usage Hotels

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Points can be used for free Award Nights at one of 1,000+ Carlson Rezidor hotels worldwide

Card Features

  • When redeeming Gold Points for 2 or more consecutive Award Nights, the last night is free
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else

Promotions

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • Earn 40,000 renewal bonus points each year when you renew your card

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    Los Angeles 1 night, Feb 23: 38,000 points for $142. Value 0.37
    1 valued at 0.37 cents

  • Conservative Value

    (The floor value for the value of a reward)

    NYC 1 night, Feb 23: 50,000 points for $175. Value 0.35
    1 valued at 0.35 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    London, UK, 1 night Feb 23: 50,000 points for $276
    1 valued at 0.552 cents

LANPASS Visa Signature Card
Annual Fee (Fee waived for the first year) $75
APR 13 - 20%
Rewards Usage Airlines

Rewards Breakdown (Through 24 Months)

Value Estimate: (See Below)
Category Spending Rewards $ Value*

*This value is not provided by the issuer but based on ValuePenguin's estimate for how much the rewards are worth. The actual dollar value of rewards will vary based on how you choose to spend them. Please refer to our valuation explanation below to see the assumptions ValuePenguin has made in assessing a reward value.

Where You Can Redeem The Points

Miles can be used for rewards travel or upgrades on LAN Airlines or any oneworld alliance airline partner

Card Features

  • Get 3 one-way upgrade coupons for free each year
  • 20% discount on their first LAN purchase (up to $1,000) each year
  • Receive flight mileage bonus of 25% on top of actual miles accrued on every LAN or Affiliate carriers' flight
  • Redeem LANPASS miles or kilometers for flights on LAN or OneWorld partners
  • Free Annual Account Summary
  • Access to Visa Signature concierge privileges for shopping, entertainment, travel, and sports
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases

Earning Rewards

  • 2 miles per $1 spent on LAN ticket purchases
  • 1 LANPASS mile for every $1 you spend

Promotions

  • Earn 20,000 Bonus Miles with your first card use
  • Earn 4,000 Bonus Miles upon your annual renewal

How We Value The Rewards

In order to calculate how much you earn through using the card we have to make some assumptions about the value of the rewards earned. Below is our explanation for how we determine the value of rewards for this card.

  • Baseline Value

    (The value for an average rewards. Illustrative for a cardholder that redeems points at typical rates and looks for some deals)

    BUE (Buenos Aires) to SCL (Santiago de Chile) R/T: Feb 23 - Mar 1: 20,000 miles for $300.
    1 mile valued at 1.5 cents

  • Conservative Value

    (The floor value for the value of a reward)

    Scenario 1: MIA to BOG (Bogota) R/T: Feb 23 - Mar 1, 48,000 miles for $299.
    1 mile valued at 0.62 cents

  • Aggressive Value

    (Value of a reward for aggressive deal seekers optimizing their rewards to dollars conversion)

    LAX to SCL (Santiago de chile) R/T: Feb 23 - Mar 1: 70,000 miles for $1,199.
    1 mile valued at 1.71 cents

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

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