Банки-эмитенты и программы лояльности

The premium-perks issuer — Centurion Lounges, FHR hotel credits, 21+ transfer partners. Best for travelers willing to pay for credits.

Перейти к American Express

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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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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The only major card that earns transferable points on rent without a 3% fee. Best for renters and mortgage-payers.

Перейти к Bilt Rewards

The transferable-points sweet spot — Chase UR + Bilt both transfer 1:1, peak award nights run 3–5 cpp at Park Hyatt / Andaz properties.

Перейти к World of Hyatt

The footprint play — 7,000+ properties, easy Diamond status via Hilton Aspire ($550 AF), aggressive dynamic pricing on rewards.

Перейти к Hilton Honors

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.

Перейти к United MileagePlus

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.

Перейти к Southwest Rapid Rewards

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.

Перейти к Delta SkyMiles

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.

Перейти к Marriott Bonvoy