Emisores de tarjetas y programas de lealtad
Seis ecosistemas cubren casi todas las tarjetas de crédito relevantes de EE. UU. Elige el ecosistema que coincida con tu gasto y patrón de viaje — las reglas, los socios de transferencia y las gamas de tarjetas difieren lo suficiente como para que la elección correcta desde el inicio ahorre entre $500 y $2,000 de valor anual frente a elegir mal. Cada hub a continuación cubre toda la gama de tarjetas del emisor, las reglas del ecosistema y las estrategias de combinación.
American Express
22 tarjetas en nuestro catálogo
The premium-perks issuer — Centurion Lounges, FHR hotel credits, 21+ transfer partners. Best for travelers willing to pay for credits.
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Chase
33 tarjetas en nuestro catálogo
The transferable-points programme with the best hotel redemption — Ultimate Rewards transfers 1:1 to World of Hyatt. Best for travellers under 5/24.
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Capital One
8 tarjetas en nuestro catálogo
The 2× flat-earn challenger — Venture / Venture X earn 2× everywhere with 15+ transfer partners and no 5/24 friction. Best for newer points players.
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Bilt Rewards
3 tarjetas en nuestro catálogo
The only major card that earns transferable points on rent without a 3% fee. Best for renters and mortgage-payers.
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World of Hyatt
15 tarjetas en nuestro catálogo
The transferable-points sweet spot — Chase UR + Bilt both transfer 1:1, peak award nights run 3–5 cpp at Park Hyatt / Andaz properties.
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Hilton Honors
4 tarjetas en nuestro catálogo
The footprint play — 7,000+ properties, easy Diamond status via Hilton Aspire ($550 AF), aggressive dynamic pricing on rewards.
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United MileagePlus
19 tarjetas en nuestro catálogo
The Star Alliance transfer magnet — Chase UR and Bilt both move in at 1:1, and United Club Infinite's unlimited lounge access is the richest single perk on any US airline co-brand card.
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Southwest Rapid Rewards
18 tarjetas en nuestro catálogo
No award chart, no blackout dates — points are worth a fixed share of the cash fare, and the Companion Pass (135,000 points through 2026, Platinum status from 2027/year) is the single best perk in US airline loyalty.
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Delta SkyMiles
14 tarjetas en nuestro catálogo
Amex Membership Rewards' best airline transfer at 1:1 — no published award chart, dynamic pricing, and Sky Club access that got meaningfully more restrictive in 2025-2026.
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Marriott Bonvoy
25 tarjetas en nuestro catálogo
The biggest footprint in hotel loyalty (9,900+ properties, 146 countries) and the most universal transfer-in of any hotel program — Amex MR, Chase UR, Capital One Miles, and Bilt all land at 1:1.
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¿No sabes qué ecosistema te conviene?
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