BonusCeilingBest transferable points credit card bonuses (October 2026)
Cards that earn a flexible bank currency (Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles, Citi ThankYou points or Bilt points), which the programs let you redeem for travel or move to airline and hotel partners under each program's own rules, sorted by how close today's offer is to that card's all-time high. As of 2026-10-19, 15 cards qualify, led by American Express Business Gold Card, American Express Gold Card, Chase Sapphire Reserve for Business. 5 of them are at their all-time high. Amex offers are listed as 'as high as' and may vary by applicant.
By Tyler Kelly · Updated
| Card | Current public offer | All-time high | Annual fee | vs. record |
|---|---|---|---|---|
| American ExpressAmerican Express Business Gold Card | As high as 200,000 points after $15,000 spend in 3 months (offer varies) | As high as 200,000 points (current; also 200,000 via referral links from Jul 2024) per Amex's offer terms and Doctor of Credit | $375 | Business AT RECORD |
| American ExpressAmerican Express Gold Card | As high as 100,000 points after $8,000 spend in 6 months (offer varies) | 100,000 points (current 'as high as'; also 100,000 + up to $100 back on restaurants via a YMMV link, Jul 2024-Jan 2025) per Doctor of Credit | $325 | AT RECORD |
| ChaseChase Sapphire Reserve for Business | 200,000 points after $30,000 spend in 6 months | 200,000 points (at launch from Jun 2025, and again since Jun 16, 2026; Chase's page calls it 'our best offer returns') | $795 | Business AT RECORD |
| American ExpressThe Business Platinum Card from American Express | As high as 300,000 points after $20,000 spend in 3 months (offer varies) | As high as 300,000 points (current; 250,000-300,000 via YMMV links since Sep 2025) per Amex's offer terms and Doctor of Credit | $895 | Business AT RECORD |
| American ExpressThe Platinum Card from American Express | As high as 175,000 points after $12,000 spend in 6 months (offer varies) | As high as 175,000 points (since Jun 2025) | $895 | AT RECORD |
| ChaseChase Ink Business Preferred | 100,000 points after $8,000 spend in 3 months | 120,000 points after $8,000 (Jul-Sep 2024); a 160,000 offer (May-Nov 2021) was in-branch only | $95 | Business 83% of record |
| Capital OneCapital One Venture | 75,000 miles after $4,000 spend in 3 months + $300 Capital One Travel stays credit | 100,000 miles (2021 after $20,000 in 12 months; 2023 after $5,000 in 3 months; a 100k-or-75k+$250 choice Mar-May 2025) per Doctor of Credit; today's offer adds a $300 travel credit | $95 | 75% of record |
| Capital OneCapital One Venture X | 75,000 miles after $4,000 spend in 3 months | 100,000 miles: + $200 vacation rental credit at launch (Nov 2021-Mar 2022), and after $10,000 in 6 months (Nov 2025-Jan 2026) per Doctor of Credit | $395 | 75% of record |
| ChaseChase Sapphire Preferred | 75,000 points after $5,000 spend in 3 months | 100,000 points (Jun-Nov 2021; Apr-May 2025; Jun-Aug 2026) | $95 | 75% of record |
| CitiCiti Strata Elite | 75,000 points after $6,000 spend in 3 months | 100,000 points after $6,000 in 3 months (Nov 2025-Feb 2026; Feb-Apr 2026) per Doctor of Credit | $595 | 75% of record |
| CitiCiti Strata Premier | 60,000 points after $4,000 spend in 3 months | 80,000 points after $4,000 in 3 months (Jul 2021-Jan 2022; Jun 2022-Jan 2023) per AwardWallet and BonusEagle; TPG lists 75,000 as the highest it has seen | $95 | 75% of record |
| American ExpressBlue Business Plus Card from American Express | As high as 50,000 points after $5,000 spend in 3 months (offer varies) | 75,000 points after $15,000 via a YMMV/targeted link (Jul 2022; Jan 2025; Dec 2025) per Doctor of Credit | $0 | Business 67% of record |
| ChaseChase Sapphire Reserve | 100,000 points after $6,000 spend in 3 months | 150,000 points after $6,000 in 3 months (Apr-Jun 15, 2026) per Doctor of Credit; a 175,000 offer in Sep 2026 was targeted in the Chase app only | $795 | 67% of record |
| Capital OneCapital One Venture X Business | 150,000 miles after $30,000 spend in 3 months | 400,000 miles (200,000 after $30,000 in 3 months + 200,000 after $150,000 total in 6 months; Nov 2025-Jan 2026) per Doctor of Credit | $395 | Business 38% of record |
| BiltBilt Palladium Card | 50,000 points + Gold status + $300 Bilt Cash after $4,000 spend (not rent/mortgage) in 90 days | Unknown (not verified) | $495 | History unknown |
Frequently asked questions
What is the best transferable points credit card bonus right now?
Measured against each card's own record, 5 of the 15 transferable points cards we track are at their all-time high as of October 19, 2026: American Express Business Gold Card (As high as 200,000 points after $15,000 spend in 3 months (offer varies)); American Express Gold Card (As high as 100,000 points after $8,000 spend in 6 months (offer varies)); Chase Sapphire Reserve for Business (200,000 points after $30,000 spend in 6 months); The Business Platinum Card from American Express (As high as 300,000 points after $20,000 spend in 3 months (offer varies)); The Platinum Card from American Express (As high as 175,000 points after $12,000 spend in 6 months (offer varies)). The best one for you depends on which rewards you'll use and whether your normal spending covers the minimum spend.
Which transferable points card bonuses have been higher before?
Capital One Venture X Business: today's offer is 38% of the record (400,000 miles (200,000 after $30,000 in 3 months + 200,000 after $150,000 total in 6 months; Nov 2025-Jan 2026) per Doctor of Credit); Blue Business Plus Card from American Express: today's offer is 67% of the record (75,000 points after $15,000 via a YMMV/targeted link (Jul 2022; Jan 2025; Dec 2025) per Doctor of Credit); Chase Sapphire Reserve: today's offer is 67% of the record (150,000 points after $6,000 in 3 months (Apr-Jun 15, 2026) per Doctor of Credit; a 175,000 offer in Sep 2026 was targeted in the Chase app only); Capital One Venture: today's offer is 75% of the record (100,000 miles (2021 after $20,000 in 12 months; 2023 after $5,000 in 3 months; a 100k-or-75k+$250 choice Mar-May 2025) per Doctor of Credit; today's offer adds a $300 travel credit); Capital One Venture X: today's offer is 75% of the record (100,000 miles: + $200 vacation rental credit at launch (Nov 2021-Mar 2022), and after $10,000 in 6 months (Nov 2025-Jan 2026) per Doctor of Credit); Chase Sapphire Preferred: today's offer is 75% of the record (100,000 points (Jun-Nov 2021; Apr-May 2025; Jun-Aug 2026)); and 3 more in the table.
Will I get the full Amex 'as high as' offer?
Not necessarily. Amex shows the maximum possible offer; after you apply it shows your actual offer before you accept the card, and it can be lower.
How is this list ranked?
By today's public offer as a share of the highest public offer we've tracked for the same card, using cited offer histories. Cards whose history we couldn't verify are listed last; we don't guess.
Which points are transferable?
On this list: Chase Ultimate Rewards (Sapphire and Ink Business Preferred cards), Amex Membership Rewards, Capital One Venture miles, Citi ThankYou points (Strata cards) and Bilt points. Each program sets its own partners and transfer rules, so check them before you rely on a specific transfer.
See also: best travel credit card sign-up bonuses · issuer rules · how long to wait between bonuses · eligibility checker · all bonuses
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