Travel

Earn Points Booking an Airbnb: ToP Tips and Tricks

Earn Points Booking an Airbnb A common question we get in the ToP Facebook group is: How do I book an Airbnb with my points? The long answer is: There really isn't any good valued way to use points to cash in for an Airbnb booking. Sure, you could potentially cash out points at a…
Airline Shopping Portal Bonuses
Deals

Earn Up To 3,700 Bonus Miles: New Airline Shopping Portal Bonuses

Airline Shopping Portal Bonuses Just in time for last-min Mother's Day gifting, there are two new airline shopping portal bonuses. United MileagePlus Shopping Portal is awarding up to 2,500 extra…

ToP Roundup
Top Roundup

World’s Best Lounges, JetBlue Filling Former Spirit Routes, Hotels Slow In U.S. World Cup Markets & More

ToP Roundup This article series features interesting articles from all over the web. Topics range from miles and points to travel and finance and everything in-between. Hopefully this ToP Roundup…

Citi

MAJOR CHANGES: Citi ThankYou Points Sharing Ending Soon

Citi Ending Points Sharing The news has been spreading of Citi ending ThankYou points sharing with other people on May 17, 2026. For now, and historically, you could share ThankYou…

ToP Cards Under 5/24

#1

Chase Sapphire Reserve®

Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months.

  • 4x on hotels and airlines booked direct
  • $300 annual travel credit
  • Priority Pass Select membership
Annual Fee: $795
#2

Chase Sapphire Preferred® Card

Earn 75,000 Ultimate Rewards after you spend $5,000 on purchases in the first 3 months from account opening.

  • 3x points on dining & online grocery
  • 2x points on travel
  • Annual 10% Points Bonus per Dollar Spent
Annual Fee: $95
#3

Ink Business Preferred® Credit Card

100,000 Ultimate Rewards after $8,000 spend in 3 months.

  • 3x points on travel
  • 3x on shipping purchases and internet, cable, and phone services
  • Cell phone protection
Annual Fee: $95
#4

The New Sapphire Reserve for Business℠

Earn 150,000 Ultimate Rewards after spending $30,000 within 6 months.

  • 4x on flights and hotels booked direct
  • 3x on online advertising
  • up to $2,500+ in annual credits
Annual Fee: $795
#5

Ink Business Cash® Credit Card

$750/75,000 Ultimate Rewards after spending $6,000 within 3 months, with no annual fee.

  • 5% cash back at office supply stores, internet, cable TV, mobile phones, and landlines, on the first $25,000 spent in combined purchases
  • 2% cash back on the first $25,000 in combined purchases at gas stations and restaurants each year
Annual Fee: No Annual Fee
#6

Ink Business Unlimited® Credit Card

$750/75,000 Ultimate Rewards after spending $6,000 within 3 months, with no annual fee.

  • Unlimited 1.5% cash back on every purchase made for your business
  • Employee cards at no additional cost
Annual Fee: No Annual Fee
#7

United℠ Business Card

Earn up to 110,000 bonus miles: Earn 100,000 bonus miles and 2,000 PQP after you spend $5,000 on purchases in the first 3 months your account is open, plus another 10,000 bonus miles for adding an authorized user in the first 3 months.

  • Two United Club passes per year
  • Complimentary first checked bag
  • 25% back on in-flight purchases
Annual Fee: $150
#8

United Quest℠ Card

Earn up to 100,000 bonus miles: Earn 80,000 bonus miles and 3,000 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open, plus another 10,000 bonus miles for adding an authorized user in the first 3 months.

  • Up to $125 in statement credits each account anniversary year as reimbursement for United purchases
  • Complimentary first and second checked bags
  • 25% back on in-flight purchases
Annual Fee: $350
#9

United Club℠ Card

Earn up to 110,000 bonus miles: Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening, plus another 10,000 bonus miles for adding an authorized user in the first 3 months.

  • United Club membership
  • Complimentary first and second checked bags
  • Earn PQPs towards elite status
Annual Fee: $695
#10

World of Hyatt Business Credit Card

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

  • 4x points at Hyatt properties and $100 in Hyatt statement credits
  • 2x points per $1 spent in 3 top spending categories each quarter
  • 5 elite night credits for every $10,000 spent on the card
Annual Fee: $199
#11

United℠ Explorer Card

Earn up to 80,000 bonus miles: Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open, plus another 10,000 bonus miles for adding an authorized user in the first 3 months

  • Complimentary first checked bag
  • Priority boarding
  • 25% back on in-flight purchases
Annual Fee: $0 for the first year, then $150
#12

British Airways Visa Signature® Credit Card

Earn 75,000 Avios after you spend $5,000 on purchases within the first 3 months of account opening.

  • 5x Avios points on British Airways
  • 10% discount on British Airways flights
  • Reward flight statement credit
Annual Fee: $95
#13

Iberia Visa Signature® Credit Card

Earn 75,000 Avios After $5,000 Spend In The First 3 Months.

  • 5x Avios points on Iberia
  • 10% discount on Iberia flights
  • Iberia $1,000 flight discount voucher
Annual Fee: $95
#14

Aer Lingus Visa Signature® Credit Card

Earn 75,000 Avios after $5,000 spend in the first 3 months.

  • 5x Avios points on Aer Lingus
  • Annual companion certificate
  • Priority boarding on Aer Lingus flights
Annual Fee: $95
#15

Aeroplan® Card

Earn 75,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening.

  • 3x points on Air Canada purchases
  • 3x points on groceries and dining
  • Automatic Aeroplan 25K Status
Annual Fee: $95
#16

IHG One Rewards Premier Credit Card

Earn up to 185,000 Bonus Points: Earn 150,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening, plus earn 35,000 Bonus Points after spending a total of $6,000 in the first 6 months.

  • 10x points at IHG hotels
  • IHG Rewards Club Platinum status
  • Anniversary free night
Annual Fee: $99
#17

Southwest Rapid Rewards® Performance Business Credit Card

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.

  • 4x points on Southwest purchases
  • – Standard or Preferred Seat Selection at booking (when available)- Extra Legroom seats within 48 hours prior to departure (when available)
  • Anniversary bonus points
Annual Fee: $299
#18

World of Hyatt Credit Card

Earn 30,000 bonus points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, earn an additional bonus point per dollar on purchases that normally earn 1x, on up to $15,000 in spend (an additional 15,000 points).

  • 4x points at Hyatt properties
  • Annual free night certificate (Category 1-4)
  • Complimentary Discoverist status
Annual Fee: $95
#19

Marriott Bonvoy Boundless® Credit Card

Earn 3 Free Night Awards (each worth up to 50,000 points) after spending $3,000 on eligible purchases within the first 3 months of account opening and an additional 1 Free Night Award after spending $4,000 total on eligible purchases within 4 months of account opening. Plus, earn up to $100 in airline credits.

  • 6x points at Marriott properties
  • Annual free night award (up to 35,000 points)
  • 15 elite nights towards status annually
Annual Fee: $95
#20

Chase Freedom Flex® Credit Card

$200 / 20,000 Ultimate Rewards for $500 spend in 3 months.

  • 5% back in rotating quarterly categories, up to $1,500 each quarter
  • No Annual Fee
Annual Fee: No Annual Fee.
#21

Chase Freedom Unlimited® Credit Card

Earn $200 / 20,000 Ultimate Rewards after $500 spend in 3 months.

  • 3% back on dining at restaurants, including takeout and eligible delivery services, and on drugstore purchases
  • Earn 1.5% on all other purchases
  • No annual fee
Annual Fee: No Annual Fee.
#22

Southwest Rapid Rewards® Premier Business Credit Card

Earn 60,000 points after you spend $3,000 on purchases in the first 3 months your account is open.

  • 3x points on Southwest purchases
  • Standard or Preferred Seat Selection within 48 hours prior to departure (when available)
  • Anniversary bonus points
Annual Fee: $149
#23

IHG One Rewards Premier Business Credit Card

Earn 140,000 Bonus Points after spending $4,000 on purchases in the first 3 months from account opening.

  • Earn up to 26 points total per $1 spent when you stay at an IHG hotel
  • Earn 5 points per $1 spent on purchases on travel, gas stations, select advertising, and restaurants. Earn 3 points per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
Annual Fee: $99
#24

Southwest Rapid Rewards® Plus Credit Card

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening

  • Two EarlyBird check-ins per year
  • 25% back on in-flight purchases
  • Anniversary bonus points
Annual Fee: $99
#25

Southwest Rapid Rewards® Premier Credit Card

Earn 55,000 bonus points after spending $1,500 on purchases in the first 3 months from account opening.

  • 3x points on Southwest purchases
  • Two EarlyBird check-ins per year
  • Anniversary bonus points
Annual Fee: $149
#26

Southwest Rapid Rewards® Priority Credit Card

Earn 60,000 bonus points after spending $2,000 on purchases in the first 3 months from account opening.

  • 3x on Southwest purchases
  • $75 Southwest annual travel credit
  • Anniversary bonus points
Annual Fee: $229

Getting Started

A Beginner’s Guide to Traveling on Point(s)

Welcome to ToP and the exciting world of award travel!

Points and miles can help you travel better and more often than you ever thought possible. Whether your goal is to visit far-flung destinations or see family across the country more often, award travel can make that happen. Take a look at our beginner articles and join our Facebook group, where you can ask all your questions and learn from fellow award travelers.

Start Here

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