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.

What is Traveling on Point(s)?

Traveling on point(s) involves earning credit card points and using those points to travel the world for free or nearly free. Follow along to learn…

How to Use Credit Karma

One of the first things we recommend to “newbies” is to figure out your 5/24 status.  As a reminder, your 5/24 status is a rule…

Setting Up a Plan

Creating and sticking to a plan of which credit cards to open is essential to earning the most points you can so you can travel…

Is Buying Points Ever Worth It?

Airline and hotel companies often sell points with big bonus offers, but it's important to understand the risks associated with buying points. [...]Read More... from…

List of Airline Codes

IATA airline codes can be confusing, but this list spells out the codes for most of the major airlines in the U.S. and the rest…

What Is Saver Availability?

Identifying Saver Availability The biggest challenge to booking award flights is finding award availability. There are two types of award seats we can book with…

ToP Guide to Chase Offers

The ToP Guide to Chase Offers walks you through the basics of how to use and maximize this great Chase program that can help you…

Featured Cards

#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

The New Sapphire Reserve for Business℠

Earn 150,000 Ultimate Rewards after spending $20,000 on purchases in your first 3 months.

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

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
#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

Bilt Obsidian

Earn $200 of Bilt Cash on approval. Up to $100 of Bilt Cash earned rolls over to the next year.

  • Earn 3X points on your annual choice of grocery (up to $25K/year) or dining, 2X on travel, and 1X on everyday spend.
  • $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • Earn up to 1X points on rent and mortgage payments
Annual Fee: $95
#8

Bilt Palladium Card

50,000 Bilt Rewards after $4,000 of non-housing spend in the first 3 months.

  • Earn 2X Bilt Points on everyday purchases.
  • Earn up to 1X Bilt Points on rent and mortgage payments.
  • $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • $200 Bilt Cash (awarded annually). Up to $100 of Bilt Cash earned rolls over to the next year.
Annual Fee: $495
Terms & Conditions
#9

Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

  • 5x on flights booked directly with airlines
  • Amex Centurion lounge access
  • $200 airline incidental fees credit
Annual Fee: $895
#10

American Express® Gold Card

As high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

  • 4x points at restaurants worldwide, on up to $50,000 in purchases per calendar year
  • 4x points at U.S. supermarkets, on up to $25,000 in purchases annually
  • 3x points on flights booked directly with airlines or through amextravel.com
Annual Fee: $325
#11

American Express® Business Gold Card

AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.

  • 4x points on the top two select categories where you spend the most each month
  • 3x on flights and hotels booked at amextravel.com
  • No foreign transaction fees
Annual Fee: $375
#12

Business Platinum Card®

You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer

  • 35% rebate on business and first class flights booked with points through amextravel.com on your selected airline
  • Amex Centurion lounge access
  • $209 CLEAR credit
Annual Fee: $895
#13

Citi Strata Elite℠ Card

Earn 75,000 Citi ThankYou points after spending $6,000 within 3 months of card membership

  • $300 hotel credit each calendar year
  • $200 Splurge Bonus on select brands
  • $200 Blacklane credit
Annual Fee: $595
#14

Citi Strata Premier® Card

Earn 60,000 bonus Citi ThankYou Points after spending $4,000 in the first 3 months of account opening.

  • 3x points on air travel and hotels
  • 3x points on restaurants, supermarkets, and gas stations
  • No foreign transaction fees
Annual Fee: $95
#15

Capital One Venture Business

Earn up to 150,000 miles: Earn 75,000 miles once you spend $7,500 on purchases in the first 3 months, and earn an additional 75,000 miles once you spend $30,000 in the first 6 months.

  • Unlimited 2x per dollar on every purchase
  • Up to $120 statement credit towards application for Global Entry or TSA PreCheck
  • No foreign transaction fees
Annual Fee: $95
#16

Capital One Venture Rewards

Enjoy a one-time bonus of 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening.

  • 2 Miles per dollar on every purchase, every day
  • Up to $120 Global Entry/TSA Precheck credit every 4 years
  • No foreign transaction fees
Annual Fee: $95
#17

Capital One Venture X Business

Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.

  • $300 annual travel credit for bookings booked through Capital One Business Travel
  • Capital One Lounge access (including guest access)
  • 10,000 bonus miles each year on your account anniversary
Annual Fee: $395
#18

Capital One Venture X Rewards Credit Card

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.

  • $300 annual travel credit for bookings made through Capital One Travel
  • 10,000 bonus miles each year on their account anniversary
  • Capital One Lounge access
Annual Fee: $395
#19

Capital One Spark Cash Plus

Earn $2,000 cash back once you spend $30,000 in the first 3 months. Earn an additional $2,000 cash bonus for every $500K spent during the first year.

  • Unlimited 2% cash back
  • No foreign transaction fees
  • Extended warranty protection
Annual Fee: $150