Credit card points from banks like Amex, Chase, Capital One, Citi, Wells Fargo, and newcomers like Bilt and Rove are more valuable than any single airline mileage program for one simple reason: You can transfer them to a dozen or more different airlines and hotel chains. Welcome to the world of credit card transfer partners.
Leveraging these transfer partners can require a bit more legwork, but it’s by far the best way to squeeze even more value out of your points – especially if you’re aiming to fly business class. But with nine transferable-points programs and a dizzying array of 50-plus partner airlines among them, even we struggle to keep track of which points can move where.
Consider this story your one-stop guide on where you can send your points, no matter what you’ve got. Before we dive in, we need to cover a few ground rules.
The cardinal rule of transferring points is that it’s a one-way street: Once you’ve sent your credit card points out the door, you can’t get them back. That makes it critical to scope out award availability and ensure the seat (or hotel room) you want is available before initiating a transfer. Until you’ve got a plan, you’re much better off saving those points in your credit card account until you’ve got a solid way to use them.
Read next: Get More From Your Points with These Current Transfer Bonuses
Chase Transfer Partners
Chase is a titan in the travel rewards industry, and that’s due in large part to some excellent transfer partners.
With more than a dozen travel partners in total, Chase Ultimate Rewards points are practically a must for any frequent or aspiring traveler. The *chase sapphire preferred* is easily the best place to begin for travelers just getting started with points and miles, while the *chase sapphire reserve* packs a huge punch with premium travel benefits on top of the same great array of transfer partners.
With only one exception (Hyatt – depending on which Chase card you have), these points transfer to partners at a 1:1 ratio. That means 1,000 Chase Ultimate Reward points get you 1,000 hotel points or airline miles. Some of our favorites on this list include Hyatt, Air Canada Aeroplan, British Airways Avios, and Singapore Airlines.
| Program | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aer Lingus | Airline | 1:1 | Instant |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Iberia Plus | Airline | 1:1 | Instant |
| JetBlue | Airline | 1:1 | Instant |
| Singapore Air | Airline | 1:1 | 24-48 hours |
| Southwest Airlines | Airline | 1:1 | Instant |
| United Airlines | Airline | 1:1 | Instant |
| Virgin Atlantic | Airline | 1:1 | Instant |
| World of Hyatt (Sapphire Preferred & Ink Preferred cardholders) | Hotel | 4:3 | Instant |
| World of Hyatt (Sapphire Reserve cardholders) | Hotel | 1:1 | Instant |
| IHG | Hotel | 1:1 | Instant |
| Marriott Rewards | Hotel | 1:1 | Instant |
| Wyndham Rewards | Hotel | 1:1 | Instant – next business day |
Read up on Chase transfer partners, including how to transfer your points and which options here are best!
How to Earn Chase Points
The best place to start is the *chase sapphire preferred*: bonus_miles_full
Read up on the best ways to use Chase points, including utilizing some of these transfer partners!
The recently revamped *chase sapphire reserve* also has a big welcome bonus offer: bonus_miles_full
With one of the Sapphire Cards in your wallet, you can earn even more Ultimate Rewards points by pairing them with the Chase Freedom Flex and *freedom unlimited* cards. These two Chase credit cards have no annual fee, and while they typically earn cashback, you can transfer that cashback to points on your Sapphire card to earn those points even faster.
Read more on why you should pair a Preferred Card with a Chase Freedom Card!
American Express Transfer Partners
American Express currently has 20 airline and hotel transfer partners on its roster. While that flexibility and easy earning opportunities make Membership Rewards points a must for any frequent traveler, there are a few downsides to keep in mind – and one tremendous perk.
First, American Express charges a very small fee (.06 cents per point) on transfers to U.S.-based airlines. So if you transfer 100,000 points to Delta or JetBlue, you’ll get charged $60 (fees are capped at $99). And note that, unlike Chase, there are a few partners to which your Amex points don’t transfer on a 1:1 basis. For example, transferring 1,000 points to JetBlue would get you 800 TrueBlue points.
The upside? More so than any other bank on this list, American Express frequently offers transfer bonuses, giving you 20% to 50% or more miles when you transfer to a specific airline or hotel chain. Some examples include a 30% bonus on transfers to British Airways, Iberia, and Aer Lingus, and a whopping 40% transfer bonus to Virgin Atlantic.
It’s not all good news, though. Over the past year, we’ve seen American Express cut not one, but two different partners from its list: Hawaiian Airlines and Etihad. In addition to losing partners outright, Amex has also reduced transfer ratios to both Emirates and Cathay Pacific.
But just recently, Amex added a new hotel transfer partner in Leading Hotels of the World (LHW). Even with a 4:1 transfer ratio, you shouldn’t let it scare you off. It doesn’t take a big balance to get real value from the program.
Here’s the full list:
American Express Membership Rewards Transfer Partners
| Program | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aer Lingus | Airline | 1:1 | N/A |
| AeroMexico | Airline | 1:1.6 | 4-7 Days |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| ANA | Airline | 1:1 | 1-2 days |
| Avianca | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Cathay Pacific | Airline | 5:4 | Instant |
| Delta | Airline | 1:1 | Instant |
| Emirates | Airline | 5:4 | Instant |
| Iberia | Airline | 1:1 | 4-24 Hours |
| JetBlue | Airline | 1.25:1 | Instant |
| Qantas | Airline | 1:1 | Instant |
| Qatar Airways | Airline | 1:1 | Instant |
| Singapore | Airline | 1:1 | Instant |
| Virgin Atlantic | Airline | 1:1 | Instant |
| Choice Privileges | Hotel | 1:1 | Instant |
| Hilton Honors | Hotel | 1:2 | Instant |
| Marriott Bonvoy | Hotel | 1:1 | Instant |
| Leading Hotels of the World | Hotel | 4:1 | Unknown |
Read our full guide to Amex transfer partners, how they work, and how to get the most out of them!
How to Earn Amex Points
Now you just need some American Express points. You’re in luck: American Express has a handful of credit cards to earn Membership Rewards points.
We love the *amex platinum card*. It starts with a big welcome bonus offer: bonus_miles_full
There’s also the *amex gold* which comes with a big welcome offer of its own: bonus_miles_full
Capital One Transfer Partners
Capital One has steadily added more partners and improved its program, becoming one of the best in the travel world.
You can transfer miles from great credit cards like the *venture x* or the *capital one venture card* to more than 20 airline & hotel partners. And all but a few of them, transfer on a 1:1 basis. That means 1,000 Capital One miles will almost always get you 1,000 airline miles or 1,000 hotel points.
Here’s the list of options:
| Program | Type | Ratio | Transfer Time |
|---|---|---|---|
| Aeromexico | Airline | 1:1 | Instant |
| Air Canada Aeroplan | Airline | 1:1 | Instant |
| Air France/KLM | Airline | 1:1 | Instant |
| Avianca LifeMiles | Airline | 1:1 | Instant |
| British Airways | Airline | 1:1 | Instant |
| Cathay Pacific AsiaMiles | Airline | 1:1 | 1-5 Days (sometimes instant) |
| Emirates | Airline | 2:1.5 | Instant |
| Etihad | Airline | 1:1 | Instant (sometimes 12-24 hours) |
| EVA Air | Airline | 2:1.5 | 24-48 Hours |
| Finnair | Airline | 1:1 | Instant |
| Japan Airlines | Airline | 2:1.5 | Instant |
| JetBlue | Airline | 2:1.2 | Instant |
| Qantas | Airline | 1:1 | Instant |
| Qatar Airways | Airline | 1:1 | TBD |
| Singapore | Airline | 1:1 | Up to 24 Hours |
| TAP Air Portugal | Airline | 1:1 | Same day |
| Turkish Airlines | Airline | 1:1 | Same day |
| Virgin Red | Other | 1:1 | Same day |
| Accor | Hotel | 2:1 | 1 Hour (Same Day) |
| Choice Hotels | Hotel | 1:1 | Same day |
| Preferred Hotels & Resorts | Hotel | 1:2 | TBD |
| Wyndham Rewards | Hotel | 1:1 | Same day |
Read our guide on how to transfer Capital One miles!
How to Earn Capital One Miles
The *venture x* might just be the all-around best travel card we’ve ever seen. Think of it as a souped-up version of the ever-popular *capital one venture card* that’s chock full of extra benefits: Access to Capital One Lounge and Landing locations and participating Priority Pass™ lounges, a $300 annual travel credit, a credit for Global Entry or TSA PreCheck, great travel and rental car insurance protection, and more. The annual fee clocks in at annual_fees a year, but the benefits can easily outweigh that.
Then there’s the *capital one venture card*, which has been a fan-favorite among travelers for years – and for good reason. It’s truly one of the best travel credit cards for beginners.
Citi Transfer Partners
Citi is a bit of a mixed bag. On one hand, there aren’t as many lucrative transfer partners as other travel programs on this list. But on the other hand, there are some real gems you won’t find everywhere else, like American Airlines, Turkish Airlines, and Qatar Airways.
Unfortunately, Citi’s list of hotel transfer partners is fairly lackluster and has just taken a big hit with reduced transfer ratios to both Choice and Preferred Hotels & Resorts.
Here’s the full list:
| Program | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Air France/KLM | Airline | 1:1 | Instant |
| American Airlines | Airline | 1:1 | Instant |
| Avianca LifeMiles | Airline | 1:1 | Instant |
| Cathay Pacific | Airline | 1:1 | Instant |
| Emirates | Airline | 1,000:800 | Instant |
| Etihad | Airline | 1:1 | Instant |
| EVA Air | Airline | 1:1 | 1-2 days |
| JetBlue | Airline | 1:1 | Instant |
| Qantas | Airline | 1:1 | 1-2 days |
| Qatar Airways | Airline | 1:1 | 1-2 days |
| Singapore | Airline | 1:1 | Up to 24 hours |
| Thai Airways | Airline | 1:1 | 3-7 days |
| Turkish Airlines | Airline | 1:1 | Instant |
| Virgin Atlantic | Airline | 1:1 | Instant |
| Accor | Hotel | 2:1 | Within 24 hours (sometimes up to 5 days) |
| Choice Hotels | Hotel | 1:1.5 | Instant |
| Wyndham Rewards | Hotel | 1:1 | Instant |
| The Leading Hotels of the World (LHW) | Hotel | 5:1 | Instant |
| Preferred Hotels and Resorts | Hotel | 1:2 | Instant |
Check out our full walkthrough on Citi transfer partners and how they work!
How to Earn Citi Points
Citi ThankYou points can be earned from both the Citi Strata Premier℠ Card and the new Citi Strata Elite℠ Card.
You can also earn ThankYou points with the Citi Double Cash® Card, one of the best no-annual-fee cards on the market. You’ll earn 2% cash back or 2x points on every dollar you spend (1x point after making the purchase, and another 1x point after paying your bill).
Bilt Rewards Transfer Partners
Bilt Rewards might still be considered the new kid on the block, but you could argues its the best loyalty program of all.
One of our favorite ways to use these points is to transfer them to Bilt’s stable of airline and hotel partners on a 1:1 basis (1 Bilt Rewards point gets you 1 airline mile or hotel point). Bilt’s growing list of transfer partners is arguably the best in the business, boasting some of the most valuable airline and hotel programs, including Alaska Airlines, Japan Airlines, World of Hyatt, and many more.
Here are the airline and hotel programs where you can currently move your Bilt points.
| Program | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aer Lingus Avios | Airline | 1:1 | Within 10 Minutes |
| Air France/KLM Flying Blue | Airline | 1:1 | Within 10 Minutes |
| Air Canada Aeroplan | Airline | 1:1 | Within 10 Minutes |
| Alaska Airlines Mileage Plan | Airline | 1:1 | Within 10 Minutes |
| Avianca LifeMiles | Airline | 1:1 | Within 10 Minutes |
| British Airways Avios | Airline | 1:1 | Within 10 Minutes |
| Cathay Pacific Asia Miles | Airline | 1:1 | Within 10 Minutes |
| Emirates Skywards | Airline | 1:1 | Within 10 Minutes |
| Etihad Guest | Airline | 1:1 | Within 10 Minutes |
| Iberia Avios | Airline | 1:1 | Within 10 Minutes |
| Japan Airlines (JAL) | Airline | 1:1 | Within 10 Minutes (new accounts may have to wait up to 7 days to redeem) |
| Qatar Airways | Airline | 1:1 | Within 10 Minutes |
| Southwest Rapid Rewards | Airline | 1:1 | Twice per day |
| Spirit | Airline | 1:1 | Within 10 Minutes |
| TAP Air Portugal Miles&Go | Airline | 1:1 | Within 10 Minutes |
| Turkish Miles & Smiles | Airline | 1:1 | Within 10 Minutes |
| United MileagePlus | Airline | 1:1 | Within 10 Minutes |
| Virgin Red | Airline | 1:1 | Within 10 Minutes |
| Accor | Hotel | 3:2 | Within 10 Minutes |
| World of Hyatt | Hotel | 1:1 | Within 10 Minutes |
| IHG Hotels | Hotel | 1:1 | Within 10 Minutes |
| Marriott Bonvoy | Hotel | 1:1 | Within 10 Minutes |
| Hilton Honors | Hotel | 1:1 | Within 10 Minutes |
| Wyndham Rewards | Hotel | 1:1 | Unknown |
| Preferred Hotels and Resorts | Hotel | 1:1 | Unknown |
Check out our guide to Bilt transfer partners for full details on how and where to transfer your points!
How to Earn Bilt Points
Like most of the programs on this list, the quickest way to earn points is with a credit card.
Earlier this year, Bilt rolled out a trio of new credit cards, ranging from the no-annual-fee Bilt Blue Card (see rates & fees) to the top-tier Bilt Palladium.
All three cards let you pay rent and mortgages with no transaction fee. Each card earns 4% back in Bilt Cash on non-housing spending, in addition to Bilt points, allowing cardholders to unlock up to 1.25X points per dollar spent on housing payments.
The real difference isn’t whether you can earn points on housing – it’s how much everyday spending it takes to make that worthwhile, and how much friction you’re willing to tolerate.
But paying for housing and swiping a Bilt card are really just the tip of the iceberg when it comes to earning Bilt points. From dining out to buying a new house, and shopping at Walgreens, Bilt wants to reward you for all your spending.
Don’t have a Bilt account? You can sign up and create one for free.
Wells Fargo Transfer Partners
Gone are the days of only redeeming your Wells Fargo points for cash back, gift cards, or through the bank’s travel portal.
Travelers with the no-annual-fee Wells Fargo Autograph Visa® Card or the new Wells Fargo Autograph Journey Visa® Card can now transfer their points to a handful of airline and hotel programs to book flights or hotels – often for far greater value.
The lineup of Wells Fargo Rewards transfer partners is easily the smallest of all, but the bank has alluded that more will be added in the future.
Here’s a look at the airline and hotel partners you can currently transfer your Wells Fargo points to.
| Program | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Aer Lingus AerClub | Airline | 1:1 | Instant |
| Air France/KLM Flying Blue | Airline | 1:1 | Instant |
| Avianca LifeMiles | Airline | 1:1 | Instant |
| British Airways Executive Club | Airline | 1:1 | Instant |
| Cathay Pacific Asia Miles | Airline | 1:1 | Instant |
| Iberia Plus | Airline | 1:1 | Instant |
| JetBlue TrueBlue | Airline | 1:1 | Instant |
| Virgin Atlantic Flying Club | Airline | 1:1 | Instant |
| Choice Privileges | Hotel | 1:2 | Instant |
| Wyndham Rewards | Hotel | 1:2 | Instant |
How to Earn Wells Fargo Points
None of the above will mean a thing if you don’t have any Wells Fargo points to your name. Luckily, it’s easy to pile up points, especially with the welcome offer on the Wells Fargo Autograph Journey card.
The $95-a-year Wells Fargo Autograph Journey Visa® Card is currently offering a 60,000-point bonus for new cardmembers who spend $4,000 in the first three months of opening the card.
On top of the card’s big welcome bonus, you’ll earn an unlimited 5x points on hotels, 4x on flights, and 3x on travel and dining.
Then there’s the no-annual-fee Wells Fargo Autograph Card, which debuted in 2022 but hasn’t generated much buzz as it gets largely overshadowed. With this card, you can earn 3x points at restaurants, on travel (including transit), at gas stations, and even select streaming services and phone plans. All other purchases earn a standard 1x point per dollar spent. Not bad for a no-annual-fee card!
Finally, like Chase and Capital One, you could pool any cash back earned from Wells Fargo’s cash rewards credit cards into points to boost your points balance to transfer to airline frequent flyer programs to book your flights!
Rove Transfer Partners
Never heard of Rove? You’re not alone. This fast-growing rewards platform debuted earlier last year – but unlike traditional bank-backed programs, Rove isn’t tied to a credit card. Instead, Rove allows you to earn transferable points when booking flights and hotels through its travel portal or shopping online.
This small – but mighty – lineup opens up some great sweet spots in the world of points and miles, including a few standouts you won’t find anywhere else. From short domestic United flights (under 600 miles in distance) booked via Air India for just 3,500 miles to standbys like Flying Blue and Avios awards on European and Middle Eastern carriers, there’s a lot to love here.
Recent additions include more unique options like Japan Airlines Mileage Bank and SAS EuroBonus.
| Partner | Type | Transfer Ratio | Transfer Time |
|---|---|---|---|
| Air France/KLM Flying Blue | Airline | 1:1 | Instant |
| Air India Maharaja Club | Airline | 1:1 | Instant |
| Accor Live Limitless (ALL) | Hotel | 1.5:1 | Instant |
| Aeromexico Rewards | Airline | 1:1 | Instant |
| Cathay Pacific Asia Miles | Airline | 1:1 | Instant |
| Etihad Guest | Airline | 1:1 | Instant |
| Finnair Plus | Airline | 1:1 | Instant |
| Hainan Airlines Fortune Wings Club | Airline | 1:1 | Instant |
| Japan Airlines (JAL) Mileage Bank | Airline | 1:1 | Instant |
| Lufthansa Miles & More | Airline | 1:1 | Instant |
| Vietnam Airlines Lotusmiles | Airline | 1:1 | Instant |
| Virgin Atlantic Flying Club | Airline | 1:1 | Instant |
| Virgin Red | Cruise & Hotel | 1:1 | Instant |
| Qatar Airways Privilege Club | Airline | 1:1 | Instant |
| SAS EuroBonus | Airline | 1:1 | Instant |
| Thai Airways Royal Orchid Plus | Airline | 1:1 | Instant |
| Turkish Airlines Miles&Smiles | Airline | 1:1 | Instant |
How to Earn Rove Miles
Rove allows you to earn transferable points when booking flights or hotels through the Rove travel portal. Much like Rakuten, you can also earn Rove Miles for shopping online through Rove’s shopping portal at thousands of popular merchants.
Exactly how many points you can earn varies, and you’ll earn additional points when you make those purchases with a credit card.
- Hotels: Earn up to 25x Rove Miles (and sometimes even higher) per dollar spent
- Flights: Earn up to 10x Rove Miles per dollar spent (including taxes and fees)
- Shopping: Earning rates vary by merchant
Rove’s biggest advantage might be the ability to book “loyalty eligible” hotel rates through the portal. This creates a triple-dip opportunity to earn miles and hotel points (and get elite credit and benefits), on top of traditional credit card rewards.
And here’s another thing unique to Rove: Miles credit instantly after a nonrefundable hotel booking. That means you can book a hotel now, get your miles immediately, and transfer them to an airline to book a flight the same day. No other program does that so quickly.
This setup makes Rove easier, faster, and (in some cases) more valuable than traditional transferable currencies, as you don’t even need a credit card to earn miles.
Marriott Transfer Partners
Marriott Bonvoy isn’t a bank, but Bonvoy points are equally versatile. With nearly 40 airline partners, Marriott Bonvoy points can be moved more places than any other type of points.
The downside is that Marriott points transfer to nearly all these airlines at a poor 3:1 ratio – meaning 30,000 Bonvoy points would equal 10,000 airline miles.
Marriott sweetens the deal when you transfer to select airlines in 60,000-point increments, though, by kicking in an extra 5,000 miles. That means a transfer of 60,000 Bonvoy points nets you 25,000 airline miles. That excludes American Airlines, Avianca LifeMiles, and Delta SkyMiles.
But the bonus is even bigger with United. For every 60,000 points you transfer to your MileagePlus account, Marriott will throw in an extra 10,000 miles. That means a 60,000-point transfer to United would yield 30,000 miles, a much better 2:1 ratio.
It’s also important to know that Marriott transfers often take longer than credit card points, so expect a wait between one day … or as long as two weeks. Plan accordingly if you’re looking to book an award ticket immediately.
| Frequent Flyer Program | Marriott Rewards Points to Partner Airline Miles | Transfer Time |
|---|---|---|
| Aegean Airlines | 3:1 | 3 days |
| Aer Lingus AerClub | 3:1 | 3 days |
| AeroMexico ClubPremier | 3:1 | 4 days |
| Air Canada Aeroplan | 3:1 | 4 days |
| Air China Phoenix Miles | 3:1 | No data |
| Air France/KLM Flying Blue | 3:1 | 3 days |
| Air New Zealand Airpoints™ | 200:1 | 24 hours |
| Alaska Airlines Mileage Plan® | 3:1 | 4 days |
| American Airlines | 3:1 | 48 hours |
| ANA Mileage Club | 3:1 | 4 days |
| Asiana Airlines Asiana Club | 3:1 | 4 days |
| Avianca LifeMiles | 3:1 | 24 hours |
| British Airways Executive Club | 3:1 | 3 days |
| Cathay Pacific Asia Miles™ | 3:1 | 5 days |
| China Southern Airlines Sky Pearl Club | 3:1 | No data |
| Copa Airlines ConnectMiles | 3:1 | 3 days |
| Delta SkyMiles® | 3:1 | 24 hours |
| Emirates Skywards® | 3:1 | 3 days |
| Etihad Guest | 3:1 | 3 days |
| Frontier Airlines Miles | 3:1 | 6 weeks |
| Hainan Airlines | 3:1 | 8 days |
| Hawaiian Airlines HawaiianMiles® | 3:1 | 24 hours |
| Iberia Plus | 3:1 | 24 hours |
| InterMiles | 3:1 | 7 days |
| Japan Airlines JAL Mileage Bank | 3:1 | 48 hours |
| LATAM Airlines LATAM Pass | 3:1 | No data |
| Lufthansa Miles & More | 3:1 | No data |
| Qantas Frequent Flyer | 3:1 | 48 hours |
| Qatar Airways Privilege Club | 3:1 | 3 days |
| Saudia Airlines | 3:1 | 5 days |
| Singapore Airlines KrisFlyer® | 3:1 | 48 hours |
| Southwest Airlines Rapid Rewards® | 3:1 | 24 hours |
| TAP Air Portugal Miles&Go | 3:1 | No data |
| THAI Airways | 3:1 | 4 days |
| Turkish Airlines Miles&Smiles | 3:1 | 3 days |
| United MileagePlus® | 3:1.1 | 3 days |
| Virgin Atlantic® Flying Club | 3:1 | 48 hours |
| Vueling Club | 3:1 | No data |
Read the master guide to transferring Marriott Bonvoy points to airlines
How to Earn Marriott Points
Let’s start with the obvious: You’ll earn Bonvoy points by staying in Marriott-branded hotels. Exactly how many points you’ll earn depends on the hotel chain you’re staying with and whether or not you have any level of elite status.
But that’s not the only way: You can earn Bonvoy points far quicker with a Marriott co-branded credit card. Marriott has a half-dozen cards to choose from, ranging from the ultra-premium *bonvoy brilliant* all the way down to the no-frills *bonvoy bold*. Scoring a big welcome offer bonus and swiping one of these cards for your everyday purchases makes racking up Bonvoy points relatively easy.
Additionally, you can get Bonvoy points by transferring from many of the programs listed above – but in most cases, transferring credit card points to Marriott, just to transfer them to a different airline partner, won’t make sense.
Bottom Line
Mastering the ins and outs of credit card transfer partners and piling up the right points to do so is key in the world of miles and points. But keeping track of all the different options at your disposal can feel like a full-time job.
Bookmark this page and reference it any time you need a refresher on the different options for using your credit card points (or hotel points)!
