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Top Flight and Hotel Reward Credit Cards

Features

• Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.
• Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
• 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
• No foreign transaction fees, plus Chip and Signature enabled for international travel.
• 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
• 24/7 direct access to dedicated customer service specialists.
• Introductory Annual Fee of $0 the first year, then $95.

1. Points can be redeemed for travel, merchandise, entertainment, dining, or cash.
2. Transfer points at a 1:1 value to participating frequent travel programs.
3. No travel restrictions or blackout dates.
4. Redemption opportunities start at 2,500 points for a $25.00 statement credit.

• Introductory Annual Fee of $0 the first year, then $95.
• Purchase APR: 15.99% variable.
• Balance Transfers: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.
• Pay NO foreign transaction fees on purchases made outside of the United States.

Features

• Earn 40,000 bonus miles when you spend $3,000 on purchases in the first 90 days 鈥?that's enough to redeem for a $400 travel statement credit.
• Earn 2X miles on all purchases.
• Miles don't expire as long as your account is open, active and in good standing.
• Chip card for increased confidence and convenience to pay abroad as easily as you do at home.
• Book the travel you want 鈥?airfare, hotels, cruises and more and earn miles on your purchase.
• Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.
• No foreign transaction fees on anything you buy while in another country.
• Complimentary online FICO庐 Score access for Barclaycard Arrival cardmembers.

1. Redeem miles for travel, statement credits, gift cards or merchandise.
2. Redeem your miles by booking your flight and redeeming miles for a statement credit. Or redeem your miles for a statement credits toward cruises, car rentals, hotels and more.
3. Minimum redemption amount is 2,500 miles.

• Annual Fee: $89 - Waived first year.
• Purchase APR: 14.99% or 18.99% Variable APR, depending on credit history.
• Balance Transfer APR: 14.99% or 18.99% Variable APR, depending on credit history. Balance transfer fee is either $10 or 3% of the amount of each transfer, whichever is greater.

Features

• Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
• Earn unlimited 2X miles on every purchase, every day.
• Fly any airline, stay at any hotel, anytime.
• Travel when you want - no blackout dates.
• Miles don't expire.
• No limit to the miles you can earn.
• No foreign transaction fees.
• No annual fee for the first year; $59 after that.
• 
  Redeem Rewards

1. Redeem rewards for travel, cash, gift cards, brand-name merchandise, and more.
2. Redeem your miles for any travel expense in two ways: either by contacting the Capital One Rewards Center or by using your card to book your own travel online, over the phone, or in-person.
3. Redemption rates for cash, gift cards, brand-name merchandise, and more vary and are subject to change without notice.

Fees and APR

• $0 for first year, $59 annual fee thereafter.
• Purchase APR: 13.9% - 20.9% variable APR, depending on credit history.
• Balance Transfer APR: 13.9% - 20.9% variable APR, depending on credit history.
• Balance Transfer Fee: No balance transfer fee.

Features

• Earn up to 25,000 bonus Starpoints庐.
• Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
• Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
• Earn 1 Starpoint for every eligible dollar spent everywhere else.
• Some hotels may have mandatory service and resort charges.
• No blackout dates. Starpoints stay active as long as you continue to spend on your Card.
• $0 introductory annual fee for the first year, then $65.
• Terms and Restrictions Apply.

1. Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
2. Hotel Redemption: Hotels in the Starwood quiver include Sheraton, The Westin, W, Le Meridien and the St. Regis. Each of these hotels fits into a category ranging from 1 to 7 based on decor, amenities, prestige and destination. Starwood lets customers know upfront the number of points required to receive a free night based on the category the hotel falls into. Category 1 hotels cost between 2,000 to 3,000 points a night while Category 7 hotels are 30,000 to 35,000 points. We found their published point costs to match the actual point costs when booking a room.
3. Flight Point Redemption: Members can use Starpoints to purchase flights on a large variety of partner airlines, including Alaska Airlines, Hawaiian Airlines, US Airways, United and Virgin Atlantic. Basically when users book flights on the Starwood site, their Starpoints are being exchanged for miles on the airline of their choice. Almost all airlines offer a 1 to 1 transfer ratio of Starpoints, except United and Continential who require 2 Starwood points for every mile.

• $0 annual fee first year; $65 per year thereafter.
• Purchase APR: 15.24%-19.24% (Variable), depending on creditworthiness.
• Balance Transfer APR: Purchase APR on balance transfers requested within 30 days of account opening, based on your creditworthiness. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Get 25,000 points for 1 ROUNDTRIP FLIGHT after you spend $1,000 on purchases in the first 3 months of opening your account. Government fees as low as $12 not included.
• Get 6,000 points after your Cardmember Anniversary.
• Earn 2 points per $1 spent on Southwest Airlines庐 and AirTran庐 Airways purchases made directly with the airlines and on Rapid Rewards Hotel and Car Rental Partner purchases.
• Earn 1 point per $1 spent on all other purchases.
• No blackout dates, unlimited reward seats, and points don't expire.
• Redeem points for gift cards, car rentals, cruises, hotel stays, and international flights to over 800 Destinations on 50+ global carriers.
• No foreign transaction fees.

Redeem Rewards

• Points can be redeemed for Southwest Airlines flights, international flights with 50+ global carriers to over 800 destinations, hotel stays, rental cars and popular gift cards.

• $99 annual fee.
• Purchase APR: 15.99% Variable APR.
• Balance Transfer: Purchase APR applies. Balance transfers fee is $5, or 3% of the amount of each transfer, whichever is greater.
• No foreign transaction fees.

Features

• For a limited time, earn 70,000 Points after spending $2,000 in your first 3 months from account opening.
• Receive 1 Free Night Stay after account approval in Category 1-4 locations.
• Earn 70,000 Points after spending $2,000 in your first 3 months from account opening.
• Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
• Earn 2 points for every dollar spent on airline tickets purchased directly with the airline, and at car rental agencies and restaurants.
• Introductory Annual Fee of $0 the first year, thereafter $85.
• For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else.
• Receive 15 credits toward your next Elite membership level after account opening and every year after your account anniversary.
• Unlimited Point Accumulation.
• No Foreign Transaction Fees and global Chip and Signature technology.

1. Points can be redeemed for Marriott hotel stays, vacations, airline miles or merchandise
2. Hotel Redemption: It's easy to book free hotel stays with your Marriot Rewards points through the Marriot Rewards website. Members are able to choose from free nights at any Mariott brand hotel or resort, including the Ritz Carlton. The point cost depends upon the "category" or "tier" the hotel falls into, with pricier hotels tending to cost more points. The hotel rewards chart they publish matched up pretty well with our real-life findings.
3. Flight Redemption: Marriot Rewards users have to exchange their Marriot points for airline miles in order to books flights. There is a vast array of Airlines to choose from, including Alaska Airlines, Continental, Delta, Hawaiian, Southwest, United and Virgin. However, the exchange rate for airline miles is rather poor and it takes 6 weeks for the exchanged miles to be posted to your airlines frequent mileage account so that you can use them to book flights.

• Introductory Annual Fee of $0 the first year, then $85.
• No foreign transaction fees.
• Purchase APR: 15.99% Variable.
• Balance Transfer: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
• Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward airline tickets, hotel stays and other type of travel.
• Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
• Flexible Bill Payments: pay your bill all at once or over time.
• No annual fee, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 17.24%- 22.24%.
• Terms and Restrictions Apply.

1. No blackout dates or restrictions.
2. Points can be redeemed for discounts in the form of a statement credit on eligible travel purchases, including airline tickets, hotel stays and other type of travel.
3. Points are redeemed in 7,500 increments, which translate to credits of up to $100.

• 0% Intro APR: 0% introductory APR for 15 months on purchases and balance transfers, then Purchase APR.
• Purchase APR: 17.24%-22.24% Variable, based on your creditworthiness.
• Balance Transfer Fee: Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Features

• No limit to the number of points you can earn.
• Earn 2 free nights Hyatt properties worldwide after spending $1,000 in the first 3 months from account opening with the Hyatt Credit Card.
• Earn 3 points for every $1 spent at Hyatt locations.
• Earn 2 points for every $1 spent at restaurants, on airline tickets purchased directly with the airline and at car rental agencies.
• Earn 1 point for every $1 spent on all other purchases.
• Receive 1 free night each year on your anniversary in category 1-4 properties.
• No foreign transaction fees and Smart Chip protection on international purchases.

• Points can be redeemed for Hyatt hotel stays, Hyatt room upgrades, Hyatt dining & spa treatments or car rentals with participating companies.

Features

• Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
• Earn unlimited 1.25 miles on every purchase, every day.
• No annual fee. No foreign transaction fees.
• Fly any airline, stay at any hotel, anytime.
• Enjoy a low intro APR on purchases.
• Travel when you want - no blackout dates.
• Miles don't expire.
• No limit to the miles you can earn.

1. Redeem miles for airline tickets, hotel rooms, car rentals, brand-name merchandise, gift cards, and more.
2. Redeem for travel two ways: either by contacting the Capital One Rewards Center or by using your card to book your own travel online, over the phone or in person.
3. To determine the number of miles you'll need for your travel, multiply the cost of your travel purchases by 100 (e.g., if your ticket costs $200.00, you'd multiply that by 100 to determine that you need 20,000 miles to redeem).
4. Redemption rates for cash, gift cards, brand-name merchandise, and more vary and are subject to change without notice.

• No annual fee.
• Purchase APR: 0% intro APR until August 2015; 11.9%-19.9% variable APR after that.
• Balance Transfer APR: 11.9% - 19.9% variable APR.
• Balance Transfer Fee: No balance transfer fee.

Features

• Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days 鈥?that's enough to redeem for a $200 travel statement credit.
• 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
• Earn 2X miles on travel and dining and 1X miles on all other purchases.
• Miles don't expire as long as your account is open, active and in good standing.
• Book the travel you want 鈥?airfare, hotels, cruises and more and earn miles on your purchase.
• Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.
• No foreign transaction fees on anything you buy while in another country.
• Complimentary online FICO庐 Score access for Barclaycard Arrival cardmembers.

Redeem Rewards

1. Redeem rewards for travel, statement credits, gift cards or merchandise.
2. Redeem your miles by booking your flight and redeeming miles for a statement credit. Or redeem your miles for a statement credits toward cruises, car rentals, hotels and more.
3. Minimum redemption amount is 2,500 miles.

• No annual fee.
• 0% Intro APR: 0% introductory APR for 12 months on purchases and balance transfers, then Purchase APR.
• Purchase APR: 14.99% or 18.99% Variable APR, depending on credit history.
• Balance Transfer Fee: During the first twelve billing cycles after account opening, balance transfer fee is either $10 or 3% of each transfer, whichever is greater. After the 12 month period it's either $10 or 4% of the amount of each transfer, whichever is greater.

Features

• Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in purchases within 4 months of account opening.*
• Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio.*
• Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*.
• Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases.*
• Enjoy the benefits of HHonors Gold status as long as you are a cardmember.*
• No foreign transaction fees on purchases.*
• Travel with ease and enjoy global acceptance with your Citi chip credit card.
• *Additional details can be found on the Citi landing page.

• Redeem points for free nights at more than 3,600 hotels within the Hilton HHonors portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton HHonors participating airline partners.

• $95 annual fee.
• Purchase APR: 15.24% variable.
• Balance Transfers: 15.24% for transfers completed within 2 months from date of account opening. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

Features

• 10,000 bonus points when you spend $500 on purchases in the first 3 months from account opening - that's $100 in travel rewards when you redeem through Chase Ultimate RewardsSM!
• 2,500 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
• 2X points on dining at restaurants and 1 point per dollar spent on all other purchases.
• Points never expire, and there are no limits on how many points you can earn.
• Redeem points for travel, gift cards, merchandise, cash back and more.
• Earn an additional point per dollar spent when you book airfare and hotel accommodations online through Chase Ultimate RewardsSM.
• 24/7 direct access to dedicated customer service specialists.
• No Annual Fee!

Redeem Rewards

1. Points can be redeemed for travel, merchandise, entertainment, dining, or cash.
2. No travel restrictions or blackout dates.
3. Redemption opportunities start at 2,500 points for a $25.00 statement credit.

Fees and APR

• No annual fee.
• Purchase APR: 15.99% Variable.
• Balance Transfers: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
• Check your first bag for free - save up to $100 per roundtrip.
• Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year.
• No foreign transaction fees!
• Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases.
• Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn.
• Priority boarding privileges on United flights.
• 2 annual complimentary passes to the United Club.
• Check your first bag for free on United flights (save up to $100 per roundtrip).
• Use your miles for any seat, any time, on any United flight.
• $0 intro annual fee for the first year, then $95.

1. Miles can be redeemed for flights, hotel stays, shopping, dining and more.
2. Flight Redemption: The United MileagePlus庐 program lets users book travel on both United and their Star Alliance partner airlines. You can also use their award points to travel on a myriad of other airlines, including Air China, Air New Zealand and US Airways. The point cost for United flights varies by whether it is a "Saver" or a "Standard." Saver awards are available for a limited number of seats per flight, while Standard awards enable you to fly whenever seats are available for the flight and class of service you want.
3. Hotel Redemption: The MileagePlus庐 program lets users book free hotel stays at a vast array of hotels. There doesn't seem to be any particular sort of affiliation, and during our research we noticed hotel options ranging from the Hyatt Regency, Four Points by Sheraton and the Westin to the Holiday Inn and Best Western.

• None for the first year; $95 per year thereafter
• Purchase APR: 15.99% Variable.
• Balance Transfer: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.*
• Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
• Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
• Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
• No annual fee.*
• Hilton HHonors Silver status for as long as you remain a cardmember.

1. Redeem points for free nights at more than 3,600 hotels within the Hilton HHonors portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton HHonors participating airline partners.

• No annual fee.
• Purchase APR: 14.24% variable.
• Balance Transfers: Balance Transfers: 14.24% for transfers completed within 4 months from date of account opening. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater.

Best Flight Reward Credit Cards

Features

• Earn 40,000 bonus points when you spend $3,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM.
• Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
• 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases.
• No foreign transaction fees, plus Chip and Signature enabled for international travel.
• Points can be redeemed for travel, merchandise, entertainment, dining, or cash.
• 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
• 24/7 direct access to dedicated customer service specialists.
• No travel restrictions or blackout dates.
• Redemption opportunities start at 2,500 points for a $25.00 statement credit.

• Introductory Annual Fee of $0 the first year, then $95.
• Purchase APR: 15.99% variable.
• Balance Transfers: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.
• Pay NO foreign transaction fees on purchases made outside of the United States.

Features

• Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
• Earn unlimited 2X miles on every purchase, every day.
• Fly any airline, stay at any hotel, anytime.
• Travel when you want - no blackout dates.
• Miles don't expire.
• No limit to the miles you can earn.
• No foreign transaction fees.
• No annual fee for the first year; $59 after that.

1. Redeem rewards for travel, cash, gift cards, brand-name merchandise, and more.
2. Redeem your miles for any travel expense in two ways: either by contacting the Capital One Rewards Center or by using your card to book your own travel online, over the phone, or in-person.
3. Redemption rates for cash, gift cards, brand-name merchandise, and more vary and are subject to change without notice.

• $0 for first year, $59 annual fee thereafter.
• Purchase APR: 13.9% - 20.9% variable APR, depending on credit history.
• Balance Transfer APR: 13.9% - 20.9% variable APR, depending on credit history.
• Balance Transfer Fee: No balance transfer fee.

Features

• Earn 30,000 American Airlines AAdvantage庐 bonus miles after $1,000 in purchases in the first 3 months of cardmembership.*
• Your first eligible checked bag is free.*
• Group 1 boarding and 25% savings on eligible in-flight purchases.*
• Earn 2 miles per $1 spent for items billed by American Airlines as merchant of record.
• Earn 1 mile per $1 spent on all other purchases.
• Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal.*
• Double AAdvantage庐 miles on eligible American Airlines purchases.*
• Earn 10% of your redeemed AAdvantage庐 miles back - up to 10,000 AAdvantage miles each calendar year.*
• *Additional details can be found on the Citi landing page.

1. Redeem miles for free flights and upgrades on American Airlines (and other participating airlines), car rentals, hotel stays and more.
2. Redeem as few as 12,500 miles for flights on American Airlines to over 250 destinations worldwide.
3. Reduced Mileage Awards let you travel to select destinations for fewer AAdvantage miles round trip.
4. Flight Redemption: American Airlines AAdvantage members can redeem their AAdvantage points for travel on American Airlines and their partner airlines including British Airways, Japan Airlines, Quantas, Alaska Airlines and JetBlue. AAdvantage offers 2 different redemptions options: Miles SAAver and AAnytime. Miles Saver tickets are subject to special limitations on seating availability and may be subject to travel embargo dates on some participant airlines. AAnytime tickets are more flexible and are available on any unsold seat on any day.
5. Hotel Redemption: With the AAdvantage program you are able to book free hotel stays at a multitude of hotels at different price points. The AAdvantage terms and conditions don't indicate an affiliation with any particular hotels, but when we conducting research we saw hotels ranging from The Westin, Fairmont and Hyatt to Holiday Inn and Best Western.

• Annual Fee: $95, waived for first 12 months.
• Purchase APR: 13.99%-21.99% variable.
• Balance Transfers: Purchase APR. Balance transfer fee is 3% of each balance transfer, $5 minimum.
  

Features

• For a limited time, earn 70,000 Points after spending $2,000 in your first 3 months from account opening.
• Receive 1 Free Night Stay after account approval in Category 1-4 locations.
• Receive 1 additional free night stay at a Category 1-5 location every year after your account anniversary date!
• Receive 15 credits toward your next Elite membership level after account opening and every year after your account anniversary.
• Introductory Annual Fee of $0 the first year, thereafter $85.
• For every $1 spent, earn 5 points at 3,800 Marriott locations, 2 points on airline ticket purchases directly with airlines, at car rental agencies & restaurants and 1 point everywhere else.
• Unlimited Point Accumulation.
• No Foreign Transaction Fees and global Chip and Signature technology.

• Points can be redeemed for Marriott hotel stays, vacations, airline miles or merchandise
• Hotel Redemption: It's easy to book free hotel stays with your Marriot Rewards points through the Marriot Rewards website. Members are able to choose from free nights at any Mariott brand hotel or resort, including the Ritz Carlton. The point cost depends upon the "category" or "tier" the hotel falls into, with pricier hotels tending to cost more points. The hotel rewards chart they publish matched up pretty well with our real-life findings.
• Flight Redemption: Marriot Rewards users have to exchange their Marriot points for airline miles in order to books flights. There is a vast array of Airlines to choose from, including Alaska Airlines, Continental, Delta, Hawaiian, Southwest, United and Virgin. However, the exchange rate for airline miles is rather poor and it takes 6 weeks for the exchanged miles to be posted to your airlines frequent mileage account so that you can use them to book flights.

• Introductory Annual Fee of $0 the first year, then $85.
• No foreign transaction fees.
• Purchase APR: 15.99% Variable.
• Balance Transfer: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

• Earn 1.5 points per $1 on every purchase, every time with no annual fee.
• Online-exclusive 10,000 bonus points if you make at least $500 in purchases in the first 90 days - that can be $100 towards travel purchases.
• Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no blackout dates
• No limit to the total number of points you can earn and points don't expire
• 0% Introductory APR for 12 billing cycles for purchases, then 14.99% - 22.99% Variable APR
• No foreign transaction fee

• Simply pay for your travel with your card. Then, call or go online and you can redeem your points for a statement credit towards all or part of your travel purchases.

• No annual fee.
• 0% Intro APR: 0% Introductory APR for 12 billing cycles for purchases, then the regular APR.
• Purchase APR: 14.99% - 22.99% Variable, depending on credit history.
• Balance Transfers: Balance transfer fee is 3% of the amount of each transfer, or $10, whichever is greater.

Features

• Earn up to 25,000 bonus Starpoints庐.
• Earn 10,000 Starpoints after your first purchase on the Card and an additional 15,000 Starpoints after you use your new Card to make $5,000 in purchases within the first 6 months.
• Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
• Some hotels may have mandatory service and resort charges.
• Starpoints stay active as long as you continue to spend on your Card.
• $0 introductory annual fee for the first year, then $65.
• Terms and Restrictions Apply.

1. Redeem Starpoints for free nights at over 1,100 hotels & resorts in nearly 100 countries and for free flights on over 150 airlines with SPG Flights - all with no blackout dates.
2. Hotel Redemption: Hotels in the Starwood quiver include Sheraton, The Westin, W, Le Meridien and the St. Regis. Each of these hotels fits into a category ranging from 1 to 7 based on decor, amenities, prestige and destination. Starwood lets customers know upfront the number of points required to receive a free night based on the category the hotel falls into. Category 1 hotels cost between 2,000 to 3,000 points a night while Category 7 hotels are 30,000 to 35,000 points. We found their published point costs to match the actual point costs when booking a room.
3. Flight Point Redemption: Members can use Starpoints to purchase flights on a large variety of partner airlines, including Alaska Airlines, Hawaiian Airlines, US Airways, United and Virgin Atlantic. Basically when users book flights on the Starwood site, their Starpoints are being exchanged for miles on the airline of their choice. Almost all airlines offer a 1 to 1 transfer ratio of Starpoints, except United and Continential who require 2 Starwood points for every mile.

• $0 annual fee first year; $65 per year thereafter.
• Purchase APR: 15.24%-19.24% (Variable), depending on creditworthiness.
• Balance Transfer APR: Purchase APR on balance transfers requested within 30 days of account opening, based on your creditworthiness. Balance transfer fee is $5, or 3% of the amount of each t
• ransfer, whichever is greater.

Features

• Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
• Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward airline tickets, hotel stays and other type of travel.
• Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
• Earn 1 point per $1 spent on eligible purchases.
• Flexible Bill Payments: pay your bill all at once or over time.
• There is no limit to how many points you can earn, and points do not expire.
• No annual fee, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 17.24%- 22.24%.
• Terms and Restrictions Apply.

1. No blackout dates or restrictions.
2. Points can be redeemed for discounts in the form of a statement credit on eligible travel purchases, including airline tickets, hotel stays and other type of travel.
3. Points are redeemed in 7,500 increments, which translate to credits of up to $100.

• 0% Intro APR: 0% introductory APR for 15 months on purchases and balance transfers, then Purchase APR.
• Purchase APR: 17.24%-22.24% Variable, based on your creditworthiness.
• Balance Transfer Fee: Balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater.

Features

• Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel.
• Earn unlimited 1.25 miles on every purchase, every day.
• No annual fee.
• Fly any airline, stay at any hotel, anytime.
• Enjoy a low intro APR on purchases.
• Travel when you want - no blackout dates.
• Miles don't expire.
• No limit to the miles you can earn.
• No foreign transaction fees.

• Redeem miles for airline tickets, hotel rooms, car rentals, brand-name merchandise, gift cards, and more.
• Redeem for travel two ways: either by contacting the Capital One Rewards Center or by using your card to book your own travel online, over the phone or in person.
• To determine the number of miles you'll need for your travel, multiply the cost of your travel purchases by 100 (e.g., if your ticket costs $200.00, you'd multiply that by 100 to determine that you need 20,000 miles to redeem).
• Redemption rates for cash, gift cards, brand-name merchandise, and more vary and are subject to change without notice.

• No annual fee.
• Purchase APR: 0% intro APR until August 2015; 11.9%-19.9% variable APR after that.
• Balance Transfer APR: 11.9% - 19.9% variable APR.
• Balance Transfer Fee: No balance transfer fee.

Features

• Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days 鈥?that's enough to redeem for a $200 travel statement credit.
• 0% intro APR on balance transfers and purchases for the first 12 months after account opening. After that, variable APR, currently 14.99% or 18.99%, based upon your creditworthiness.
• Earn 2X miles on travel and dining and 1X miles on all other purchases.
• Miles don't expire as long as your account is open, active and in good standing.
• Book the travel you want 鈥?airfare, hotels, cruises and more and earn miles on your purchase.
• Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits.
• No foreign transaction fees on anything you buy while in another country.
• Complimentary online FICO庐 Score access for Barclaycard Arrival cardmembers.

1. Redeem rewards for travel, statement credits, gift cards or merchandise.
2. Redeem your miles by booking your flight and redeeming miles for a statement credit. Or redeem your miles for a statement credits toward cruises, car rentals, hotels and more.
3. Minimum redemption amount is 2,500 miles.

• No annual fee.
• 0% Intro APR: 0% introductory APR for 12 months on purchases and balance transfers, then Purchase APR.
• Purchase APR: 14.99% or 18.99% Variable APR, depending on credit history.
• Balance Transfer Fee: During the first twelve billing cycles after account opening, balance transfer fee is either $10 or 3% of each transfer, whichever is greater. After the 12 month period it's either $10 or 4% of the amount of each transfer, whichever is greater

Features

• Earn 40,000 bonus miles after your first purchase and payment of the $89 annual fee.*
• First checked bag FREE on eligible bags for you and up to four companions on domestic US Airways operated flights.
• One companion certificate good for up to 2 guests to travel with you on a US Airways operated flight at $99 each, plus taxes and fees.
• Priority boarding Zone 2 on US Airways operated flights.
• Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations.
• Earn miles on every purchase with 2 miles for every $1 you spend on US Airways purchases and 1 mile for every $1 on purchases everywhere else.
• Please see terms and conditions for complete details.

• Redeem miles for award travel on US Airways and American Airlines booked through usairways.com or US Airways Reservations.

• $89 annual fee.
• Purchase APR: 15.99%, 19.99% or 24.99%* Variable, depending upon creditworthiness.
• Balance Transfer Fees: 0% intro APR for the first 15 months on balance transfers. Balance transfers fee is $10, or 3% of the amount of each transfer, whichever is greater.

Features

• Start with 30,000 bonus miles after you spend $1,000 in the first 3 months
• Check your first bag for free - save up to $100 per roundtrip.
• Enjoy priority boarding privileges and visit the United Club with two one-time-use passes every year.
• No foreign transaction fees!
• Earn double miles on United ticket purchases, and 1 mile per $1 on all other purchases.
• Your miles don't expire as long as you're a Cardmember, with no limit to the number of miles you can earn.
• Priority boarding privileges on United flights.
• 2 annual complimentary passes to the United Club.
• Use your miles for any seat, any time, on any United flight.
• $0 intro annual fee for the first year, then $95.

1. Miles can be redeemed for flights, hotel stays, shopping, dining and more.
2. Flight Redemption: The United MileagePlus庐 program lets users book travel on both United and their Star Alliance partner airlines. You can also use their award points to travel on a myriad of other airlines, including Air China, Air New Zealand and US Airways. The point cost for United flights varies by whether it is a "Saver" or a "Standard." Saver awards are available for a limited number of seats per flight, while Standard awards enable you to fly whenever seats are available for the flight and class of service you want.
3. Hotel Redemption: The MileagePlus庐 program lets users book free hotel stays at a vast array of hotels. There doesn't seem to be any particular sort of affiliation, and during our research we noticed hotel options ranging from the Hyatt Regency, Four Points by Sheraton and the Westin to the Holiday Inn and Best Western.

• None for the first year; $95 per year thereafter
• Purchase APR: 15.99% Variable.
• Balance Transfer: Purchase APR. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in purchases within 4 months of account opening.*
• Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio.*
• Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*.
• Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases.*
• Enjoy the benefits of HHonors Gold status as long as you are a cardmember.*
• No foreign transaction fees on purchases.*
• Travel with ease and enjoy global acceptance with your Citi chip credit card.
• *Additional details can be found on the Citi landing page.

1. Earn 2 weekend night certificates good at select hotels and resorts within the Hilton Worldwide portfolio after $2,500 in purchases within 4 months of account opening.
2. Earn 10 points per $1 spent on hotel stays within the Hilton HHonors portfolio.
3. Earn 5 points per $1 spent on airline and car rental purchases.
4. Earn 3 points per $1 spent on all other eligible purchases.
5. Enjoy the benefits of HHonors Gold status as long as you are a cardmember.

• Redeem points for free nights at more than 3,600 hotels within the Hilton HHonors portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton HHonors participating airline partners.

• $95 annual fee.
• Purchase APR: 15.24% variable.
• Balance Transfers: 15.24% for transfers completed within 2 months from date of account opening. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater

Features

• No limit to the number of points you can earn.
• Earn 2 free nights Hyatt properties worldwide after spending $1,000 in the first 3 months from account opening with the Hyatt Credit Card.
• Earn 3 points for every $1 spent at Hyatt locations.
• Earn 2 points for every $1 spent at restaurants, on airline tickets purchased directly with the airline and at car rental agencies.
• Earn 1 point for every $1 spent on all other purchases.
• Receive 1 free night each year on your anniversary in category 1-4 properties.
• No foreign transaction fees and Smart Chip protection on international purchases.

• Points can be redeemed for Hyatt hotel stays, Hyatt room upgrades, Hyatt dining & spa treatments or car rentals with participating companies.

Features

• Earn 30K bonus miles after you make $1K in purchases on your new Card 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.
• Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
• Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
• Premium Travel Perks: Settle in sooner with Priority Boarding.
• Check your first bag free. Up to 9 people in your reservation can each save up to $50 on round-trip Delta flights.
• Priority boarding and 20% in-flight savings.

• Redeem miles for any Delta seat, anytime using Pay with Miles.
• Flight Redemption: Delta Skymiles members can book free flights with their points on Delta, Delta Connection, Hawaiian, Alaska, KLM, and Air France Airlines by using the Delta.com website. Or they can book with their airline partners by calling in.

• $0 intro annual fee for the first year, then $95.
• Purchase APR: 15.24 -19.24% Variable APR.
• Balance Transfer APR: Purchase APR on balance transfers requested within 30 days of account opening, based on your creditworthiness. Balance transfer fee is $5, or 3% of the amount of each transfer, whichever is greater.

Features

• Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.*
• Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
• Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
• Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
• Hilton HHonors Silver status for as long as you remain a cardmember.
• No annual fee.*

• Redeem points for free nights at more than 3,600 hotels within the Hilton HHonors portfolio, Experience Rewards, car rentals or exchange Hilton points for airline miles with Hilton HHonors participating airline partners.

• No annual fee.
• Purchase APR: 14.24% variable.
• Balance Transfers: Balance Transfers: 14.24% for transfers completed within 4 months from date of account opening. Balance transfer fee is $5 or 3% of the amount of each transfer, whichever is greater