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.

$ 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.

$ 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
 Airlines
 Cruises
 American Express
 Mastercard
 Visa
 Cashback
 Our Picks
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.
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
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
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 WiFi 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 inflight 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
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 roundtrip 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 cardmemberonly 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
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 inflight 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 cardmemberonly 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
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 onetoone 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 cardmemberonly 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
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 cardmemberonly 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
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 highspeed 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 cardmemberonly 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
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 cardmemberonly 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
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 cardmemberonly 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
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
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
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
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
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
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
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
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
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 (interEuropean) 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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
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 checkin, 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
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
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
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 14 hotel after account approval
 Earn 15 nights credit toward Elite status every year upon account anniversary
 1 free night stay every year at Category 15 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
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
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
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
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
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 14 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
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
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 RitzCarlton 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 RitzCarlton 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
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
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
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 fasttrack 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
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
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 inflight 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
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 checkin, screening, and boarding
 Receive a 25% savings on eligible inflight 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
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 inflight 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
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
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
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
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
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 oneway 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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