Below you’ll find links to all the major credit card programs and quick blurbs about each. Make yourself familiar with them and the pros and cons of each.
- Points Program: Membership Rewards (MR)
- Known For: Robust membership perks and concierge services; exclusivity
- Pros: Great customer service and concierge services, strong card selection too
- Cons: Strictest sign-up bonus policy – one per person per card for a lifetime
- Transfer Partners:
Chase (J.P. Morgan Chase Bank)
- Points Program: Ultimate Rewards (UR)
- Known For: Best variety of cards (Sapphire Preferred, United, Hilton, etc.)
- Pros: Largest bank in US with a amazing selection of co-branded cards (United, etc.)
- Cons: Tough rules on churning limiting time between same card to 24 months
- Transfer Partners:
- Points Program: Bank AmeriCard Travel Rewards
- Known For: The Alaska Airlines Visa Card (AS miles transfer to numerous airlines)
- Pros: Alaska Airlines Visa card that can be churned approximately once a month
- Cons: Weak selection of useful cards that transfer to airline and hotel programs
- Transfer Partners:
- Points Program: ThankYou Points (TYP)
- Known For: American Airlines AAdvantage Credit Cards
- Pros: Limited use of churning lock-out periods; generous targeted offers
- Cons: Insanely slow to send new cards with no expediting process
- Transfer Partners: