You don't need 10 credit cards. You need the right 3. This stack covers every spending category and unlocks the best transfer partners in the game.
United, Hyatt, Southwest, Air France, British Airways — all at 1:1 ratio
Chase → Hyatt is one of the best hotel redemptions in existence. 15K points for $400/night rooms
Select bookings through Chase Travel earn up to 1.75x — beats cash back on premium hotels
10% of total points earned the prior year deposited back every anniversary
Annual credit on hotel stays booked through Chase Travel
Up to $10,000 per person if your trip is cancelled for a covered reason
$20/month at Uber Eats, Grubhub, and select restaurants — effectively cuts the fee in half
On qualifying bookings of 2+ nights through Amex Travel
Delta, Air France, British Airways, Hilton, Marriott and more at 1:1
Up to $10,000 per claim on eligible purchases against theft and damage
Targeted deals with bonus points at specific merchants — free money most people ignore
Use it abroad without paying extra — essential for international travel
Applied automatically to travel purchases — wipes out most of the annual fee
Deposited every year — worth ~$100+ in travel. Effectively reduces the fee further
Priority Pass + Capital One Lounges for you and 2 guests — every visit, every time
Turkish Airlines, Air Canada, Singapore Airlines, Avianca and more at 1:1
Add family members at no cost — they earn miles on their spending too
$100 credit every 4 years — skip the security lines at over 200 airports
*Effective annual fee after $300 travel credit and anniversary bonus is ~$0 for most cardholders.
57,500 Virgin Atlantic miles transferred from Chase Ultimate Rewards. Taxes paid: $56. Value per point: ~7.4 cents. This redemption is only possible through a transfer — the portal would have cost 340,000+ points for the same seat.
The complete breakdown of how to earn, transfer, and redeem points — sent straight to your inbox.