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The best rewards credit cards come with flexible rewards points. You can transfer your points to a partner frequent flyer program to book award tickets or to a hotel partner for a free stay. You can redeem them as cash back for things like statement credits, gift cards, and free travel via a travel portal. Flexible points really are the gold standard in the industry, as they give you many more options when it’s time to redeem your points. The best cards are issued by American Express, Capital One, Chase, and Citi, all of which have a number of different transfer partners which you can read about here.
Here are the best flexible points credit card offers available today:
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
2 Miles per dollar on every purchase.
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel.
10 Miles per dollar on hotels and rental cars booked through Capital One Travel.
Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
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Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Select business categories include:
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Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
Earn 1x points per dollar spent on all other purchases
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
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Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Plus, receive 20% back in statement credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back. Limited time offer. Offer ends 11/6/24.
Earn unlimited 2X miles on every purchase, every day
Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
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Earn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
Earn 3x points on other travel and dining
Ear 1 point per $1 spent on all other purchases
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Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
2 Miles per $1 on every purchase, everywhere.
5 Miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel.
Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
Earn unlimited 1.5% cash back on every purchase made for your business
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Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
1x Points on Rent Payments (up to 100,000 each calendar year)
2x Points on Travel
3x Points on Dining
1x Points on everything else
Earn points when you make 5 transactions that post each statement period.
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year.
Earn 1% cash back on all other purchases
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Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
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INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
Earn 5X miles on hotels and rental cars booked through Capital One Travel
Earn unlimited 1.25X miles on every purchase, every day
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Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
Earn 5x on travel purchased through Chase Travel℠
Earn 3x on dining, select streaming services and online groceries
Earn 2x on all other travel purchases
Earn 1x on all other purchases
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Get up to $1,050 in Chase Travel℠ value. Earn 60,000 bonus points after $4,000 in purchases in your first 3 months from account opening. That’s worth $750 when redeemed through Chase Travel. Plus, get up to $300 in statement credits on Chase Travel purchases within your first year.
Earn 2X Membership Rewards® points on everyday business purchases. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
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Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earn 3 ThankYou® Points per $1 spent at Gas & EV charging Stations
Earn 2 ThankYou® Points per $1 spent at Grocery Stores
Earn 1 ThankYou® Point per $1 spent on all other purchases
Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening