Point Programs

Tier 1 - Chase

Transfer Partners


Chase Super Powers


Flagship Card: Chase Saphire Reserve

Tier 1 - BILT

Transfer Partners


BILT Superpowers


Flagship Card: BILT Mastercard

Tier 2 - American Express

Transfer Partners


AMEX Super Powers


Flagship Card: American Express Platinum

 Tier 3 - Capital One

Transfer Partners


Capital One Super Powers


Flagship Card: Captial One Venture X

Tier 3 - Citi Bank 

Transfer Partners


Citi Superpowers


Flagship Card: Citi Premier

Tier 4 - Marriot Bonvoy

Transfer Partners


Marriot Super Power


Flagship Card: Amex Marriot Brilliant

Connor's Recomendaiton

I would advice getting involved with muliple of these programs. Priotizing: Chase, BILT, and Amex. Capital One and Citi can be good supplemental programs.


In general bank point earning programs are stronger than specfic company reward programs due the flexibility, no point expiration and higher earning rates.


3 programs I particarlly like however are Hyatt for hotels, American for interational travel and Southwest for its companion pass

Point Expiration

Chase - never expire

BILT - never expire

Amex - never expire

Captial One - never expire

Citi Bank - never expire


America - 24 months of no activity (CC)

Delta - never expire

Southwest - never expire

United - never expire

Alaska - never expire

Jet Blue - never expire


Hyatt -24 months of no activity (CC)

Hilton - 24 months of no activity (CC)

Marriot - 24 months of no activity (CC)

IHG - 12 months of no activity (CC)

Wyndham - 18 months of no activity (CC)