The Best Ways To Fly to Southeast Asia With Points and Miles [Step by Step]

Nonstop flights between the U.S. and Southeast Asia are operated by a small number of carriers, with service limited to gateway cities including Hong Kong, Singapore, Manila, and Ho Chi Minh City. Connecting itineraries via hubs in Tokyo, Hong Kong, Taipei, Singapore, and the Middle East expand the range of accessible Southeast Asian destinations significantly.

This guide covers the key frequent flyer programs for booking award flights on these routes, both nonstop and connecting.

Quick Overview: Best Ways To Fly to Southeast Asia With Points and Miles

Nonstop U.S.-Southeast Asia service operates on Cathay Pacific, Singapore Airlines, Philippine Airlines, and United Airlines, reaching destinations including Hong Kong, Singapore, and Manila; Delta, China Airlines, Starlux, and Vietnam Airlines serve additional regional gateways including Taipei and Ho Chi Minh City. Connecting itineraries via Tokyo, Hong Kong, Taipei, Singapore, and Middle Eastern hubs expand access to a broader range of destinations across the region.

Programs covered in this guide include ANA Mileage Club, American Airlines AAdvantage, Air Canada Aeroplan, Singapore Airlines KrisFlyer, and Air France-KLM Flying Blue. ANA Mileage Club and Aeroplan allow stopovers on award tickets; American Airlines AAdvantage does not. Fuel surcharges vary by program. Aeroplan doesn’t pass them on, while ANA and Flying Blue both impose carrier surcharges on award redemptions.

Nonstop Flights Between the U.S. and Southeast Asia

Since the Southeast Asia is quite far from the continental U.S., nonstop flight options are limited.

That being said, check out all of the following foreign airlines with nonstop flights between the U.S. and Southeast Asia:

• Cathay Pacific
  • Boston (BOS) – Hong Kong (HKG)
  • Chicago (ORD) – Hong Kong (HKG)
  • Dallas (DFW) – Hong Kong (HKG)
  • Los Angeles (LAX) – Hong Kong (HKG)
  • New York (JFK) – Hong Kong (HKG)
  • Seattle (SEA) – Hong Kong (HKG)
  • San Francisco (SFO) – Hong Kong (HKG)
• China Airlines
  • Los Angeles (LAX) – Taipei (TPE)
  • New York (JFK) – Taipei (TPE)
  • Ontario (ONT) – Taipei (TPE)
  • Phoenix (PHX) – Taipei (TPE)
  • San Francisco (SFO) – Taipei (TPE)
  • Seattle (SEA) – Taipei (TPE)
• Philippine Airlines
  • Chicago (ORD) – Manila (MNL)
  • Honolulu (HNL) – Manila (MNL)
  • Los Angeles (LAX) – Manila (MNL)
  • New York (JFK) – Manila (MNL)
  • Seattle (SEA) – Manila (MNL)
  • San Francisco (SFO) – Manila (MNL)
• Singapore Airlines
  • Los Angeles (LAX) – Singapore (SIN)
  • Newark (EWR) – Singapore (SIN)
  • New York (JFK) – Singapore (SIN)
  • San Francisco (SFO) – Singapore (SIN)
  • Seattle (SEA) – Singapore (SIN)
• Starlux Airlines
  • Los Angeles (LAX) – Taipei (TPE)
  • Phoenix (PHX) – Taipei (TPE)
  • San Francisco (SFO) – Taipei (TPE)
  • Seattle (SEA) – Taipei (TPE)
• Vietnam Airlines
  • San Francisco (SFO) – Ho Chi Minh City (SGN)

Here are the U.S. airlines offering nonstop flights between the U.S. and Southeast Asia:

• Delta Air Lines
  • Los Angeles (LAX) – Hong Kong (HKG)
  • Seattle (SEA) – Taipei (TPE)
• United Airlines
  • San Francisco (SFO) – Hong Kong (HKG)
  • Los Angeles (LAX) – Hong Kong (HKG)
  • San Francisco (SFO) – Singapore (SIN)
  • San Francisco (SFO) – Manila (MNL)

Best Programs To Use To Book Flights

The diversity of connecting routes from the U.S. to Southeast Asia means a wide range of award programs can be useful here. The programs below represent the strongest options based on award rates, partner airline access, and routing flexibility.

All Nippon Airways (ANA) Mileage Club

ANA Mileage Club offers competitive award rates for flights to Asia, particularly in business class, with access to Southeast Asian routes from major U.S. hubs through its Star Alliance membership. Partners bookable with ANA miles include United Airlines and EVA Air.

ANA passes along fuel surcharges on award tickets, which vary by operating airline. Surcharges on ANA-operated long-haul awards increased substantially in May 2026. ANA Mileage Club supports one-way bookings for both ANA-operated and partner flights; a former restriction was lifted for ANA flights in 2025 and for partner flights in May 2026.

ANA uses separate award charts for its own flights and for partner airline flights. ANA-operated flight pricing is subject to seasonal variation (low, regular, and high). Partner airline pricing is fixed year-round.

ANA divides Asia into 2 regions. Zone 3 (Asia 1) includes Hong Kong, Taiwan, and the Philippines. Zone 4 (Asia 2) covers most of the rest of Southeast Asia.

Here is the ANA award chart for ANA-operated flights between the U.S. (Zone 6) and Asia:

Here is the award pricing for partner airline flights between the U.S. (Zone 6) and Asia, understanding that premium economy is not available on partner awards (Source: ANA Mileage Club):

For example, a round-trip between Indonesia (Zone 4) and the U.S. in business class costs 137,000 to 204,000 ANA miles on ANA-operated flights through Tokyo. It’d be 136,000 miles on a partner airline.

Southeast Asian routes can be reached via the following ANA partner airlines:

Example routes:

• Los Angeles (LAX) – Beijing (PEK) – Singapore (SIN) round-trip in Air China and Singapore Airlines first class for 240,000 ANA miles plus taxes and fees
• New York (JFK) – Manila (MNL) round-trip in Philippines Airlines business class for 130,000 ANA miles plus taxes and fees
• Seattle (SEA) – Taipei (TPE) – Kuala Lumpur (KUL) round-trip in EVA Air business class for 136,000 ANA miles plus taxes and fees
• Washington, D.C. (IAD) – Tokyo (NRT) – Manila (MNL) round-trip in ANA business class during low season for 108,000 ANA miles plus taxes and fees

Hot Tip:

ANA Mileage Club allows for open-jaws and stopovers for itineraries booked using ANA miles.

How to book:

1. Log in to your account on ANA’s website
2. Near the reservation search area, click on the tab that says “Flight Awards,” then click where it says “Award Reservation” on the next menu.
3. Fill in your flight details as you normally would, including one-way or round-trip booking, travel dates, number of passengers, and whether your dates are flexible.
4. Once you’ve found award availability, transfer your points. Be sure to incorporate any transfer times into your booking.
5. Confirm your reservation and pay for any taxes and fees.

How To Earn ANA Mileage Club Miles

ANA Mileage Club has 2 transfer partners:

• American Express Membership Rewards: 1:1 transfer ratio; typically takes 2 or 3 business days
• Marriott Bonvoy: 3:1 transfer ratio; can take up to 7 business days; 5,000-mile bonus for every 60,000 Bonvoy points transferred

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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express Green Card^® has been collected independently by Upgraded Points.

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This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

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Why We Like This Card

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American Airlines AAdvantage

American Airlines AAdvantage provides access to Southeast Asia via its Oneworld alliance partners: Cathay Pacific, Japan Airlines, Malaysia Airlines, and Fiji Airways (which serves Singapore and Hong Kong). Partner awards use a fixed mileage chart, unlike American’s own flights, which are dynamically priced.

AAdvantage places all of Southeast Asia in Asia Region 2. Here is the award pricing for partner-operated flights between the continental U.S. and Asia Region 2 (Source: American Airlines AAdvantage):

For American Airlines-operated flights to Asia, pricing starts at:

AAdvantage does not allow stopovers or open-jaws on award tickets. To include a connection at an intermediate city, each segment must be booked separately at its applicable mileage rate. Only transpacific routings are permitted for U.S.–Southeast Asia travel; transatlantic connections are not allowed.

Neither Cathay Pacific nor Japan Airlines operates first class on routes from their hub airports to Southeast Asian destinations, so the connecting segment would be in business class at most.

Example routes:

• Dallas (DFW) – Tokyo (NRT) – Kuala Lumpur (KUL) one-way on Japan Airlines business class and Malaysia Airlines business class for 80,000 AAdvantage miles plus taxes and fees
• Los Angeles (LAX) – Tokyo (NRT) – Hanoi (HAN) one-way on Japan Airlines first class and business class for 110,000 AAdvantage miles plus taxes and fees
• New York (JFK) – Hong Kong (HKG) – Bali (DPS) one-way on Cathay Pacific first class and Cathay Pacific business class for 110,000 AAdvantage miles plus taxes and fees

How To Book

1. Visit the American Airlines website.
2. Log in using your AA username and password.
3. Input your flight details, such as route, date, and number of passengers.
4. Click the box for “Redeem miles.”
5. Click the search button.
6. After you find a flight, redeem the necessary miles and pay the taxes and fees with a credit card.

How To Earn AAdvantage Miles

AAdvantage miles can be earned through Citi co-branded credit cards and 2 transfer partners:

• Citi ThankYou Rewards: 1:1 transfer ratio with an annual-fee card; 1:0.7 with a no-annual-fee card; transfers are instant
• Marriott Bonvoy: 3:1 transfer ratio; transfers take around 2 business days

Recommended Citi and AAdvantage Credit Cards

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U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.

All information about Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® has been collected independently by Upgraded Points.

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Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.

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Cons

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Card Highlights

• For a limited time, earn 80,000 American Airlines AAdvantage^® bonus miles after $3,500 in purchases within the first 4 months of account opening.
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Financial Snapshot

• APR: 19.49% to 29.49% Variable
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Citi^® / AAdvantage^® Globe™ Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The AAdvantage Globe card gives you more value on every American Airlines flight and helps you qualify for elite status.

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Citi^® / AAdvantage^® Globe™ Mastercard^®

The AAdvantage Globe card gives you more value on every American Airlines flight and helps you qualify for elite status.

Welcome Offer

For a limited time, earn 90,000 American Airlines AAdvantage^® bonus miles after $5,000 in purchases in the first 4 months of account opening.

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UP's Offer Valuation*:

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Annual Fee

$350

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Why We Like This Card

The AAdvantage Globe card is an excellent option for American Airlines frequent flyers who want a card that offers benefits on every American Airlines flight and makes it easier to qualify for American Airlines elite status.

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Pros

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• 3x miles on American Airlines purchases
• 2x miles at restaurants, including takeout and delivery

Cons

• $350 annual fee
• Doesn’t earn transferable rewards

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Card Highlights

• For a limited time, earn 90,000 American Airlines AAdvantage^® bonus miles after $5,000 in purchases in the first 4 months of account opening.
• American Airlines AAdvantage^® bonus miles are not available if you have received AAdvantage^®bonus miles for a new AAdvantage^® Globe™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage^® Globe™ account.
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• Earn 6 AAdvantage^® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
• Earn 3 AAdvantage^® miles for every $1 spent on eligible American Airlines purchases.
• Earn 2 AAdvantage^® miles for every $1 spent at restaurants, including takeout and delivery.
• Earn 1 AAdvantage^® miles for every $1 spent on all other purchases.

Financial Snapshot

• APR: 19.49% to 29.49% Variable
• Foreign Transaction Fees: $0

Citi^® / AAdvantage^® Business™ World Elite Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

All information about Citi^® / AAdvantage^® Business™ World Elite Mastercard^® has been collected independently by Upgraded Points.

Citi^® / AAdvantage^® Business™ World Elite Mastercard^®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

Welcome Offer

Earn 65,000 American Airlines AAdvantage^® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

65,000 miles

UP's Offer Valuation*:

$910

Annual Fee

$0 intro annual fee for the first year, then $99

APR

19.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent (740-850)

Why We Like This Card

With the Citi^® / AAdvantage Business™ World Elite Mastercard®, you get a card that helps you earn more miles on all of your business expenses, and gives you perks like preferred boarding, free checked bags, and discounts on inflight purchases, while also helping you qualify for higher levels of elite status.

Pros & Cons

Pros

• 2x miles per $1 spent on American Airlines purchases
• 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
• 1 Loyalty Point per $1 spent

Cons

• $0 intro annual fee for the first year, then $99 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Designed for businesses.
• Earn 65,000 American Airlines AAdvantage^® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
• First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
• 25% savings on American Airlines inflight Wi-Fi when you use your card.
• Enjoy preferred boarding on American Airlines flights.
• Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
• Earn 1 AAdvantage^® mile per $1 spent on other purchases.
• Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases.
• No Foreign Transaction Fees.

Financial Snapshot

• APR: 19.49% to 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

Citi Strata Elite℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome Offer

Earn 75,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening.

75,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$595

APR

20.49% to 28.49% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

• 12x points on hotels, rental cars, and attractions booked through Citi Travel
• 6x points on airfare through Citi Travel
• 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

• $595 annual fee
• Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

• Earn 75,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening
• 12x points on hotels, car rentals, and attractions booked on cititravel.com
• 6x points on air travel booked on cititravel.com
• 6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
• 1.5x points on all other purchases
• Global Entry or TSA PreCheck credit
• Up to $300 annual hotel benefit
• Up to $200 annual Splurge credit
• Up to $200 annual Blacklane credit
• 4 American Airlines Admirals Club passes every calendar year
• Transfer Citi ThankYou Points to partners like American Airlines
• Complimentary Priority Pass membership
• No foreign transaction fees

Financial Snapshot

• APR: 20.49% to 28.49% Variable
• Foreign Transaction Fees: None

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

60,000 points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

Air Canada Aeroplan

Aeroplan prices Star Alliance partner awards based on total distance flown, grouped into mileage bands. Pricing tends to favor travelers on the West Coast, who are closer to Southeast Asian destinations. The program does not pass along fuel surcharges. Stopovers are permitted on award tickets — including one-way tickets — for 5,000 points each.

Aeroplan divides the world into 4 travel zones: North America, the Atlantic, the Pacific, and South America. The U.S. is in North America; Southeast Asia and Taiwan are in the Pacific zone.

Award pricing depends on total distance flown and which airline operates the flight. United Airlines is a Select Partner and qualifies for lower rates within each band. Pricing changed on June 1, 2026, and is currently as follows (Source: Air Canada Aeroplan):

For example, a United-operated SFO-HKG flight covers 6,927 miles, placing it in the 5,001-to-7,500 band and making it bookable at 75,000 Aeroplan points one-way in business class. The EWR-HKG route covers 8,065 miles, placing it in the 7,501-to-11,000 band and starting at 85,000 points in business.

Stopovers can be added for 5,000 points each, though the additional distance may push the itinerary into a higher pricing band.

Example routes:

• Chicago (ORD) – New Delhi (DEL) – Singapore (SIN) one-way in Air India business class with a stopover in India for 92,500 Aeroplan points plus taxes and fees
• Houston (IAH) – Taipei (TPE) – Hanoi (HAN) one-way in EVA Air business class with a stopover in Taipei for 92,500 Aeroplan points plus taxes and fees
• San Francisco (SFO) – Hong Kong (HKG) – Singapore (SIN) one-way in United economy class with a stopover in Hong Kong starting at 55,000 Aeroplan points plus taxes and fees
• Washington, D.C. (IAD) – Tokyo (NRT) – Da Nang (DAD) one-way in ANA first class and business class with a stopover in Tokyo for 135,000 Aeroplan points plus taxes and fees

Aeroplan’s partner network for these routes includes United, EVA Air, and Singapore Airlines, among other Star Alliance carriers.

How To Book

1. Visit Air Canada Aeroplan.
2. Log in on the top right corner of the homepage. Type your Aeroplan number followed by your password. Click the button that says “Enter” to log in.
3. On the homepage, click the box next to “Book with Aeroplan points.”
4. Fill in the search details, including travel dates, trip type (one-way, round-trip, or multicity), destination and origin cities, and the number of travelers.
5. Search for the flights you want to book. Complete the booking by redeeming your Aeroplan points and paying taxes and fees.

How To Earn Aeroplan Points

Aeroplan is a transfer partner of 5 major rewards programs, all at a 1:1 ratio:

• American Express Membership Rewards
• Bilt Rewards
• Capital One miles
• Chase Ultimate Rewards
• Rove Miles

Marriott Bonvoy transfers to Aeroplan at 3:1, with a 5,000-point bonus for every 60,000 Bonvoy points transferred.

Recommended Chase and Aeroplan Credit Cards

Aeroplan^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.

Aeroplan^® Credit Card

The Aeroplan card is a great option for Air Canada flyers looking to earn more points and receive automatic elite status.

Welcome Offer

Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.

60,000 points

UP's Offer Valuation*:

$900

Annual Fee

$95

APR

19.74% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

Flyers based in the U.S. may think they wouldn’t have a need for a card like the Aeroplan^® Credit Card, it might be much better suited for you than you think.

Not only does Air Canada offer fantastic award redemptions, but adding the card to your wallet makes the program even more rewarding by offering elite status, more points, travel coverage, and more. Let’s take a closer look and see why the Aeroplan card might make a lot of sense for you.

Pros & Cons

Pros

• 3x points per $1 on Air Canada purchases, at grocery stores, and dining at restaurants (including takeout and eligible delivery services)
• 500 bonus points for every $2,000 you spend in a calendar month (up to a maximum of 1,500 bonus points)
• Receive Aeroplan 25K status for the remainder of the calendar year, plus the following calendar year, and continue to extend it beyond that by spending $15,000 on the card per calendar year

Cons

• $95 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Earn 60,000 bonus points
• Earn 60,000 bonus points after you spend $3,000 on purchases in the first 3 months your account is open.
• $95 Annual Fee
• Redeem points for both international and domestic flights with the Aeroplan^® Credit Card.
• Fly to another continent and travel the world with the Aeroplan^® Credit Card.
• Earn 3X points for each dollar spent at grocery stores, on dining at restaurants, and Air Canada directly. Earn 1X point for each dollar spent on all other purchases.
• 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 28.24% Variable
• Foreign Transaction Fees: None

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $288 annually.
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.

200,000 points

UP's Offer Valuation*:

$4,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
• $7,000+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

Singapore Airlines KrisFlyer

Singapore Airlines operates nonstop flights to Singapore from 5 U.S. cities, making KrisFlyer a direct way to reach Southeast Asia from the U.S. KrisFlyer uses fixed award charts for Singapore-operated and Star Alliance partner flights.

KrisFlyer divides destinations into zones: Singapore is Zone 1; Malaysia, Indonesia, and Brunei are Zone 2; the Philippines, Thailand, Vietnam, Myanmar, and Cambodia are Zone 3; Hong Kong and Taiwan are Zone 4. The western U.S. is Zone 12; the eastern U.S. is Zone 13.

KrisFlyer offers 3 redemption tiers. Saver awards cost the fewest miles but have more limited availability. Advantage awards cost more but offer broader availability. Access awards are the most expensive and have the widest availability; they have been reported to cost 25% to 80% more than Saver rates.

Hot Tip:

Interested in flying with Singapore Airlines? Check out our definitive guide to Singapore Airlines direct routes from the U.S. with plane types and seat options.

Saver award example routes (Source: Singapore Airlines KrisFlyer):

• Los Angeles (LAX) – Singapore (SIN) one-way in Singapore Airlines business class for 112,500 KrisFlyer miles
• New York (JFK) – Frankfurt (FRA) – Singapore (SIN) one-way in Singapore Suites for 165,000 KrisFlyer miles (with the JFK-FRA leg in the airline’s standard first class)
• Newark (EWR) – Singapore (SIN) – Siem Reap (REP) one-way in Singapore Airlines business class for 122,500 KrisFlyer miles
• San Francisco (SFO) – Singapore (SIN) – Mandalay (MDL) one-way in Singapore Airlines business class for 117,500 KrisFlyer miles

KrisFlyer allows stopovers on award tickets, but all flights must be operated by Singapore Airlines. Saver awards allow 1 stopover on round-trip tickets. Advantage awards allow 1 stopover on one-way tickets and 2 on round-trip tickets.

How To Book

1. Visit Singapore Airlines.
2. Log in to your Singapore Airlines KrisFlyer account.
3. Click the option that says “Redeem Flights.”
4. Select your dates of travel and airports.
5. Choose your booking class by selecting either “Business” or “First/Suites” if you’re a premium cabin traveler.
6. Click the search button.
7. Choose your flight and pay for any taxes and fees.

How To Earn KrisFlyer Miles

KrisFlyer miles can be accumulated through the following transfer partners:

• American Express Membership Rewards, Capital One miles, Chase Ultimate Rewards: 1:1 transfer ratio
• Citi ThankYou Points: 1:1 with an annual-fee card; 1:0.7 with a no-annual-fee card
• Brex Rewards: 3:2 transfer ratio
• Marriott Bonvoy: 3:1 transfer ratio; 5,000-mile bonus for every 60,000 Bonvoy points transferred; transfers take up to 2 business days

Recommended Capital One Credit Cards

Capital One Venture Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent Credit

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee
• Limited elite benefits

Read Full Review

Card Highlights

• Earn a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Capital One VentureOne Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One VentureOne Business Card

Welcome Offer

Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.

50,000 miles

UP's Offer Valuation*:

Up to $900

Annual Fee

$0

Pros & Cons

Pros

• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee

Cons

• Doesn’t offer business bonus categories
• Not as rewarding as other business cards that earn 2x points or 2% back

Read Full Review

Card Highlights

• Earn a one-time bonus of 50,000 miles once you spend $4,500 on purchases within the first 3 months from account opening.
• 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel.
• 1.5x miles on all other purchases
• $0 annual fee
• Hertz Gold Plus Rewards Five Star status
• No foreign transaction fees
• Rental car insurance

Financial Snapshot

• Foreign Transaction Fees: $0

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

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Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

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Capital One Miles

 

Capital One Venture Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Capital One Venture Business Card

Welcome Offer

Earn 100,000 Miles once you spend $10,000 on purchases within the first 3 months from account opening.

100,000 miles

UP's Offer Valuation*:

Up to $1,800

Annual Fee

$95

APR

24.49%

Why We Like This Card

The Capital One Venture Business card is a great fit for business owners looking for a well-rounded travel rewards card that offers an uncomplicated earn structure, a handful of useful benefits, and a reasonable annual fee.

Pros & Cons

Pros

• Earn 5x miles on hotels, vacation rentals, and rental cars booked through Capital One Business Travel
• Earn 2x miles on all other purchases
• $50 annual travel credit for bookings through Capital One Business Travel

Cons

• Charges a $95 annual fee
• Limited travel protections

Read Full Review

Card Highlights

• Earn a one-time welcome bonus of 100,000 miles once you spend $10,000 on purchases within the first 3 months from account opening
• Earn unlimited 2X miles per dollar on every purchase, everywhere, no limits or category restrictions, and miles won’t expire for the life of the account
• Receive up to $220 in credits: Receive an annual $50 travel credit for bookings through Capital One Business Travel, up to an annual $50 statement credit for purchases at qualifying advertising or software merchants, plus up to a $120 credit for Global Entry or TSA PreCheck^® every four years. Terms and conditions apply
• Unlimited 5X miles on hotels, vacation rentals and rental cars booked through Capital One Business Travel
• Transfer your miles to 15+ travel loyalty programs
• Redeem your miles instantly for any travel-related purchases, from flights and hotels to ride-sharing services
• $95 annual fee
• Free employee cards which also earn unlimited 2X miles from their purchases
• Top rated mobile app

Financial Snapshot

• APR: 24.49%
• Foreign Transaction Fees: 

Air France-KLM Flying Blue

Flying Blue is the primary SkyTeam option for booking flights to Southeast Asia. China Airlines (hub in Taipei) operates nonstop flights to several U.S. cities, and Vietnam Airlines operates a nonstop between San Francisco and Ho Chi Minh City. Both routes are bookable with Flying Blue miles.

Flying Blue uses dynamic pricing, so award costs fluctuate. Award space on these routes tends to be available. Flying Blue passes along fuel surcharges on award tickets, which can add a few hundred dollars to the cost. For example, a one-way SEA-TPE award costs 31,000 miles plus $244 in fees. The SFO-SGN route starts at 47,000 miles plus $284 in fees in economy, or 94,500 miles plus $349 in business.

Award availability can be searched on the Air France or KLM website. Leaving travel dates blank displays a calendar view of availability across multiple dates.

How To Book

1. Go to the Air France website.
2. In the top right corner, click the tab that says “My Account” and log in with your username and password.
3. After logging in and being returned to the homepage, click the option labeled “Use Your Miles.”
4. Type in your airport information, dates, number of passengers, and class type.
5. Select your flights and pay for any taxes and fees.

Hot Tip:

Check out our guide on the best ways to redeem Air France-KLM Flying Blue miles for maximum value.

How To Earn Flying Blue Miles

Flying Blue transfer partners include:

• American Express Membership Rewards, Bilt Rewards, Capital One miles, Chase Ultimate Rewards, Citi ThankYou Points, Wells Fargo Rewards, Rove Miles: 1:1 transfer ratio (Citi transfers at 1:0.7 with a no-annual-fee card)
• Brex Rewards: 3:2 transfer ratio
• Marriott Bonvoy: 3:1 transfer ratio; 5,000-mile bonus for every 60,000 Bonvoy points transferred

Recommended Bilt and Flying Blue Credit Cards

Air France KLM Visa Signature^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Air France KLM Visa card helps you earn more miles and get closer to Flying Blue elite status with each purchase.

Air France KLM Visa Signature^® Credit Card

The Air France KLM Visa card helps you earn more miles and get closer to Flying Blue elite status with each purchase.

Welcome Offer

Earn 70,000 bonus miles plus 100 XP after spending $3,000 on purchases within 90 days of account opening.

70,000 miles + 100 XP

Annual Fee

$89

APR

19.49% - 27.49% variable

Why We Like This Card

The Air France KLM Visa card is helpful if you want to earn more Flying Blue miles and qualify for Flying Blue elite status.

Pros & Cons

Pros

• 3x miles on Air France, KLM, and SkyTeam member airline purchases
• 3x miles on dining purchases
• 1.5x miles on all other purchases

Cons

• Charges an $89 annual fee
• Doesn’t earn transferable rewards

Read Full Review

Card Highlights

• 3x miles on Air France, KLM, and SkyTeam member airlines’ purchases
• 3x miles on dining purchases
• 1.5x miles on all other purchases
• 5,000 miles every year on your account anniversary after you spend $50 or more on purchases within the anniversary year
• 20 XP every year on your account anniversary, plus an additional 80 Experience Points (totaling 100 XP) after you spend $15,000 or more on purchases within the anniversary year, and another 60 XP (totaling 160 XP) after spending at least $25,000 on your card in a calendar year
• $89 annual fee
• Visa Signature perks
• No foreign transaction fees

Financial Snapshot

• APR: 19.49% - 27.49% variable
• Foreign Transaction Fees: 

Terms Apply / Rates & Fees

Bilt Blue Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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Bilt Blue Card

Welcome Offer

Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.

$100 Bilt Cash

Annual Fee

$0

Why We Like This Card

The Bilt Blue Card allows cardholders to earn valuable Bilt Rewards Points with a $0 annual fee on rent, mortgage, and everyday purchases, with the option to also earn 4% back in Bilt Cash on nonhousing spend.

Pros & Cons

Pros

• Up to 1.25x points on rent and mortgage payments
• Earn 1x points and the option to earn 4% back in Bilt Cash on everyday purchases
• No foreign transaction fees
• No authorized user annual fee

Cons

• The math can be confusing to redeem Bilt Cash

Read Full Review

Card Highlights

• Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
• 1X points on everyday spend.
• Welcome offer: $100 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.
• Other benefits: No foreign transaction fees, Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage (See Guide to Benefits).

Financial Snapshot

• Foreign Transaction Fees: None

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Bilt Rewards

Terms Apply / Rates & Fees

Bilt Obsidian Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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Bilt Obsidian Card

Welcome Offer

$200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.

$200 Bilt Cash

Annual Fee

$95

Why We Like This Card

The Bilt Obsidian Card is a midtier option for those who want to earn up to 1.25x Bilt Points on rent or mortgage payments, as well as bonus points in key categories such as dining or groceries and travel.

Pros & Cons

Pros

• Up to 1.25x points on rent and mortgage payments with no transaction fee
• 3x points on dining or groceries, on up to $25,000 per year (you can choose which category annually), and the option to earn 4% back in Bilt Cash
• 2x points and the option to earn 4% back in Bilt Cash on travel purchases

Cons

• $95 annual fee
• You’ll need to redeem Bilt Cash to unlock rewards for rent and mortgage payments

Read Full Review

Card Highlights

• Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
• 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
• 2X points on travel
• 1X points on everyday spend
• Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.

Financial Snapshot

• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

Bilt Palladium Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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Bilt Palladium Card

Welcome Offer

Subject to approval: 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.

Subject to approval: 50,000 points + $300 Bilt Cash

Annual Fee

$495

Why We Like This Card

The Bilt Palladium Card is a premium card option for those who want to earn up to 1.25x Bilt Points on their rent and mortgage payments, but also want premium perks like airport lounge access.

Pros & Cons

Pros

• 2x points and the option to earn 4% back in Bilt Cash on everyday purchases
• Up to 1.25x points on rent and mortgage payments
• $400 annual Bilt Travel hotel credit, split into 2 semiannual credits (requires a 2-night stay)

Cons

• Charges a $495 annual fee
• You’ll need to redeem Bilt Cash to unlock rewards for rent and mortgage payments

Read Full Review

Card Highlights

• Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
• 2X points on everyday spend
• $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). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
• Priority Pass ($469/year value). See Guide to Benefits.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.

Financial Snapshot

• Foreign Transaction Fees: None

Final Thoughts

This guide covers 5 programs for booking award flights to Southeast Asia: ANA Mileage Club, American Airlines AAdvantage, Air Canada Aeroplan, Singapore Airlines KrisFlyer, and Air France-KLM Flying Blue. Business class redemptions generally offer the strongest balance of availability and value on these routes. Award rates, transfer ratios, and route schedules change frequently, so verify all figures with the relevant program before booking.