23 Best Ways To Earn Lots of Virgin Atlantic Flying Club Points

Key Takeaways

• Virgin Atlantic Flying Club miles can be earned by flying Virgin Atlantic and partner airlines such as Air France, Delta Air Lines, and KLM.
• You can earn miles with the Virgin Atlantic World Elite Mastercard^® or earn points with various other credit cards and transfer them to Virgin Atlantic Flying Club.
• Additional ways to earn miles include stays with hotel partners, car rentals, and purchases made through the Shops Away site.

Virgin Atlantic is a British airline that services more than 30 destinations from its bases at London-Gatwick (LGW), London-Heathrow (LHR), and Manchester (MAN) airports.

Due to its partnership with Delta Air Lines, Virgin Atlantic offers connections to more than 200 North American gateways. Virgin Atlantic itself operates flights between the U.K. and several U.S. cities, like Los Angeles (LAX), Atlanta (ATL), San Francisco (SFO), and Washington, D.C. (IAD).

In this article, we will explain how to earn points in Virgin Atlantic Flying Club so that you can spend them on upgrades, rewards flights, and more!

Virgin Atlantic Flying Club Frequent Flyer Program

Enroll in Virgin Atlantic Flying Club

It’s free to sign up for a Virgin Atlantic Flying Club account. In just a few minutes, you can enroll and enter your login details.

Members enjoy discounts and perks while earning Virgin Points. Earned points can be redeemed for free flights, hotel stays, and other rewards.

1. Fly Virgin Atlantic

Booking flights with Virgin Atlantic is another way to increase your Virgin Points balance quickly. The more you fly, the more points you’ll get.

The number of points possible depends on flight mileage, cabin choice, and ticket type (it also depends on your Flying Club membership tier, which we will cover in the next tip).

Take a look at the mileage chart for Flying Club members:

2. Virgin Atlantic Flying Club Elite Status

As a Flying Club member, you start out with Red status. Achieve Silver and Gold status and you’ll earn more Virgin Points.

Members are required to earn 400 tier points for Silver and 1,000 tier points for Gold. Once they’ve earned status, Silver members will receive a 30% bonus for flights while Gold elites will earn 60% bonus points.

Status bonuses apply to cabin bonuses and not just base points. This could mean a big increase if you purchase premium fares.

See the chart below for the number of points you can earn as an elite member:

Earn Virgin Points With Credit Cards

3. Virgin Atlantic Co-branded Credit Card

With the Virgin Atlantic World Elite Mastercard^®, issued by Bank of America, it’s possible to earn Virgin Points fast. Cardholders earn 3x points on Virgin Airlines purchases and 1.5x points on all other purchases.

Like other airline credit cards, this one comes with a welcome offer to help you start banking points. Always evaluate your spending patterns before applying for a credit card so you choose the best option for your financial situation.

4. Add an Authorized User

Why not earn points for purchases made by a family member, too? After all, the Virgin Atlantic World Elite card gives you 5,000 Virgin Points just for adding an authorized user!

5. American Express Membership Rewards Credit Cards

Transfer 1 Membership Rewards point into 1 Virgin Point. You can rack up Membership Rewards points with the following American Express credit cards, all of which have sizable welcome offers:

Recommended Amex Cards (Personal)

+ NEW BENEFITS

Terms Apply / Rates & Fees

Platinum Card^® from American Express

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 Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

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

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
• More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
• More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
• More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
• New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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American Express Membership Rewards

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold 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.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

You may be eligible for as high as 100,000 Membership Rewards^® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $2,200

Annual Fee

$325

APR

See Pay Over Time APR

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 American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

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American Express Membership Rewards

There are a number of Amex business credit cards that we recommend for business owners.

6. Bilt Mastercard

The Bilt Mastercard (rates & fees) allows you to earn Bilt Points on rent (up to 100,000 points per year) and everyday spending on the card, after making 5 transactions each statement period. You can transfer Bilt points to Virgin Atlantic at a 1:1 ratio, with a minimum transfer of 2,000 points.

Bilt 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 information regarding the Bilt Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Bilt Mastercard

The information regarding the Bilt Mastercard was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Welcome Offer

No offer available

No offer available

Annual Fee

$0

APR

See Rate & Fees

Why We Like This Card

Never before has there been a credit card built specifically with renters in mind. Enter the Bilt Mastercard, designed specifically to help renters earn rewards on their rent payments with no transaction fees.

Of course, aside from rewards on rent, there are many other solid features that the card offers that add extra value to cardholders. In this guide, we provide a complete breakdown of everything the Bilt Card has to offer to help you decide whether the card makes sense for you.

Pros & Cons

Pros

• 3x points per $1 on dining
• 2x points per $1 on travel
• 1x point per $1 on rent payments, without a transaction fee, up to 100,000 points each calendar year (plus all other eligible purchases)

Cons

• Does not offer a welcome bonus
• Must use the card 5 times each statement period to earn points

Read Full Review

Card Highlights

• $0 Annual Fee
• Earn 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year
• Earns 3x points on dining, 2x on travel, and 1x on other purchases
• Earn double points on the first of each month (excluding rent, up to 1,000 bonus points)
• Use the card 5 times each statement period to earn points
• Earn up to 5x Bilt points on Lyft rides when you link your Bilt account and pay with your Bilt card
• Point redemptions include airlines, hotels, future rent payments, credit card statement credits, toward a down payment on a home, etc.
• Other features and benefits include: Auto Rental Collision Damage Waiver, Purchase Security, Trip Cancellation and Interruption Protection, Cellular Telephone Protection, and Trip Delay Reimbursement
• Select “Apply Now” to learn more about the product features, terms, and conditions

Financial Snapshot

• APR: See Rate & Fees
• Foreign Transaction Fees: $0

7. Capital One Miles Credit Cards

Capital One Miles is a 1:1 transfer partner with Virgin Red, and while Virgin Red and Virgin Atlantic Flying Club are technically separate programs, you can easily move points between the 2 programs at a 1:1 ratio.

Recommended Capital One Cards (Personal)

Terms Apply / Rates & Fees

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.

Apply Now(at Capital One's secure site)

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: 19.99% - 28.99% (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 (740-840)

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

Read Full Review

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 locations and 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^®

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Terms Apply / Rates & Fees

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!

Apply Now(at Capital One's secure site)

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

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$95

APR

Purchases: 19.99% - 28.99% (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.

Good to Excellent Credit (670-850)

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

• Enjoy 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

Financial Snapshot

• APR: Purchases: 19.99% - 28.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

LIMITED TIME OFFER

Capital One VentureOne 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 card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening - that’s equal to $300 in travel.

$100 travel credit + 20,000 miles

UP's Offer Valuation*:

$460

Annual Fee

$0

APR

Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter

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

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee
• No foreign transaction fees
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• LIMITED-TIME OFFER: Earn $300 in travel bonuses. Enjoy $100 to use on Capital One Travel in your first cardholder year, plus earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening – that’s equal to $300 in travel
• $0 annual fee and no foreign transaction fees
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won’t expire for the life of the account and there’s no limit to how many you can earn
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 18.99% – 28.99% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: Purchases: 0% intro APR on purchases for 15 months; variable 18.99% - 28.99% thereafter
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

8. Chase Ultimate Rewards Credit Cards

If you don’t have a card that earns Chase Ultimate Rewards points, you may want to consider getting one, since Flying Club is a Chase transfer partner! For every 1,000 Ultimate Rewards points, you’ll get 1,000 Virgin Points.

Recommended Chase Cards (Personal)

NEW 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 60,000 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.74% - 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.

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, 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. 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, 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 75,000 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, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
• Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
• 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• 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.
• Member FDIC

Financial Snapshot

• APR: 19.74% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

NEW OFFER

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 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 points

UP's Offer Valuation*:

$2,500

Annual Fee

$795

APR

19.99% - 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

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 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get more than $2,700 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 Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

If you’re a business owner, consider one of Chase’s business credit cards.

9. Citi ThankYou Rewards Credit Cards

Transfer Citi ThankYou Points to Virgin Points in increments of 1,000 at a 1:1 or 1:0.7 ratio, depending on the card you hold. You can earn transferrable Citi ThankYou Points and receive the 1:1 ratio with the Citi Strata Premier℠ Card, and from time to time, you’ll get a bonus when you transfer!

Recommended Citi Cards

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

19.74% to 27.74% Variable APR

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: 19.74% to 27.74% Variable APR
• Foreign Transaction Fees: None

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 100,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening.

100,000 points

UP's Offer Valuation*:

Up to $1,600

Annual Fee

$595

APR

20.74% to 28.74%

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 100,000 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: 20.74% to 28.74%
• Foreign Transaction Fees: None

Citi Strata℠ 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℠ Card

Welcome Offer

Earn 30,000 points after spending $1,000 on purchases in the first 3 months.

30,000 points

UP's Offer Valuation*:

$480

Annual Fee

$0

APR

0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.74% to 28.74%.

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 Citi Strata card offers a fresh way to earn Citi ThankYou Points with a $0 annual fee, allowing you to maximize your spend at gas stations, supermarkets, and more.

Pros & Cons

Pros

• 5x points on hotels, car rentals, and attractions booked on CitiTravel.com
• 3x points at supermarkets, select transit, gas and EV charging stations, and an eligible self-select category of your choice (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salon or pet supply stores)
• 2x points at restaurants

Cons

• Doesn’t offer the best transfer ratio to Citi’s airline and hotel partners
• Charges foreign transaction fees

Read Full Review

Card Highlights

• Earn 30,000 bonus points after spending $1,000 in the first 3 months of account opening.
• Earn 5x points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3x points per $1 on supermarkets, select transit, gas, and EV charging stations, and an eligible self-select category of your choice every quarter (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salons, or pet supply stores).
• Earn 2x points per $1 at restaurants.
• Earn 1x point per $1 spent on all other purchases.
• No expiration and no limit to the amount of points you can earn with this card.

Financial Snapshot

• APR: 0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.74% to 28.74%.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Double Cash^® 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.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

17.74% to 27.74% 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.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel^® portal.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 17.74% to 27.74%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Financial Snapshot

• APR: 17.74% to 27.74% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® 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.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Citi Custom Cash^® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Welcome Offer

Earn $200 cash-back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash-back.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.99% - 27.99%.

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.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, with a $0 annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros & Cons

Pros

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• $0 annual fee
• Multiple redemption options

Cons

• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Get 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.99% - 27.99%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
• Earn an additional 4% cash back on hotels, car rentals, and attractions booked with Citi Travel.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• $0 annual fee.
• Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 17.99% - 27.99%.
• Foreign Transaction Fees: 3%

10. Wells Fargo Credit Cards

The Wells Fargo Rewards program is relatively new and offers a small group of transfer partners, including Virgin Atlantic Flying Club. Wells Fargo points transfer to Flying Club at a 1:1 ratio, and there are currently 2 Wells Fargo cards that earn transferable points.

Wells Fargo Autograph Journey℠ 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 powerful point earning card with access to transfer partners.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

60,000 points

UP's Offer Valuation*:

$900

Annual Fee

$95

APR

19.74%, 25.74%, or 28.74% Variable APR

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

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees.

Pros & Cons

Pros

• Earn 5x points on hotels
• Earn 4x points on airfare
• Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

• $95 annual fee
• List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 Annual Fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 19.74%, 25.74%, or 28.74% Variable APR
• Foreign Transaction Fees: None

Wells Fargo Autograph℠ 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 Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Wells Fargo Autograph℠ Card

The Wells Fargo Autograph Card offers great 3x bonus points and cell phone protection with no annual fee.

Welcome Offer

Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

20,000 points

Annual Fee

$0

APR

0% intro APR for 12 months from account opening on purchases, 18.74%, 24.74% or 28.74% variable APR thereafter

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

The Wells Fargo Autograph℠ Card is an excellent no annual fee card that offers 3x points on 6 different bonus categories. Choose from multiple options when you’re ready to redeem your rewards, and take advantage of great perks including cell phone protection, auto rental collision damage waiver, and no foreign transaction fees.

Pros & Cons

Pros

• 3x points per $1 spent on restaurants, travel, gas stations, transit, popular streaming services, and phone plans
• 1x points per $1 spent on other purchases
• No annual fee

Cons

• Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized value

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months – that’s a $200 cash redemption value.
• Earn unlimited 3X points on the things that really add up – like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
• $0 annual fee.
• 0% intro APR for 12 months from account opening on purchases. 18.74%, 24.74% or 28.74% variable APR thereafter.
• Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 0% intro APR for 12 months from account opening on purchases, 18.74%, 24.74% or 28.74% variable APR thereafter
• Foreign Transaction Fees: None

11. Marriott Bonvoy Credit Cards

Transfer 3 Marriott Bonvoy points into 1 Virgin Point and get a 5,000-point bonus when you transfer 60,000 Marriott Bonvoy points at a time — resulting in 25,000 Virgin Points.

Rack up Marriott Bonvoy points with the following Marriott Bonvoy credit cards:

Marriott Bonvoy Bold^® 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.

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Marriott Bonvoy Bold^® Credit Card

A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Welcome Offer

Earn 30,000 Bonus Points after spending $1,000 on eligible purchases within 3 months of account opening with the Marriott Bonvoy Bold^® Credit Card!

30,000 points

UP's Offer Valuation*:

$210

Annual Fee

$0

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

Why We Like This Card

Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold^® Credit Card.

The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.

Pros & Cons

Pros

• Up to 14x points per $1 on Marriott purchases
• 2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
• 5 Elite Night Credits each year

Cons

• Lower point earn rate than other Marriott Bonvoy cards
• Marriott Bonvoy Silver Elite status is the lowest status tier

Read Full Review

Card Highlights

• Earn 30,000 Bonus Points after qualifying purchases.
• Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
• Earn 2X points for every $1 spent at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services.
• 1X point for every $1 spent on all other purchases.
• Travel now, pay later - Break up purchases into equal monthly payments with no interest plus no plan fees on qualifying travel purchases. Terms apply.
• Pay Yourself Back^® - Redeem Marriott Bonvoy^® points for a statement credit to cover qualifying travel purchases made directly with airlines or at hotels participating in Marriott Bonvoy, up to $750 total in redemptions per year.
• Member FDIC

Financial Snapshot

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

Rewards Center

Marriott Bonvoy

Marriott Bonvoy Boundless^® 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.

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Marriott Bonvoy Boundless^® Credit Card

Marriott loyalists will love this card's annual Free Night Award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Welcome Offer

Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless^® Credit Card. Certain hotels have resort fees.

Earn 3 Free Night Awards

UP's Offer Valuation*:

Up to $1,050

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

Why We Like This Card

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless^® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros & Cons

Pros

• Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
• Earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status

Cons

• $95 annual fee
• Marriott Silver Elite Status is the lowest status tier

Read Full Review

Card Highlights

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
• Member FDIC

Financial Snapshot

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

Rewards Center

Marriott Bonvoy

Terms Apply / Rates & Fees

Marriott Bonvoy Bevy^® American Express^® 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 Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Bevy^® American Express^® Card

The Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Welcome Offer

Earn 85,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.

85,000 points

UP's Offer Valuation*:

Up to $595

Annual Fee

$250

APR

19.74%-28.74% 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 Marriott Bonvoy Bevy^® American Express^® Card, the latest mid-tier offering in the Marriott Bonvoy lineup of cards, offers cardholders automatic elite status and ways to earn more Marriott Bonvoy points on each of their stays and daily purchases.

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2x points)
• 2x points per $1 on all other purchases

Cons

• $250 annual fee (rates & fees)
• Free Night Award certificate is not an automatic benefit

Read Full Review

Card Highlights

• Earn 85,000 Marriott Bonvoy^® bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®.
• Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• Earn 2X points on all other eligible purchases.
• Marriott Bonvoy^® 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy^®.
• Earn up to 18.5X Marriott Bonvoy^® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Bevy^® American Express^® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 2.5X points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status.
• With complimentary Marriott Bonvoy^® Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
• Marriott Bonvoy Bevy^® Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy^® American Express^® Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a participating hotel. Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year, receive 15 Elite Night Credits towards the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy^® member account. Benefit is not exclusive to Cards offered by American Express.
• Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• Plan It^® is a payment option that lets you split up large purchases into monthly installments with a fixed fee. A fixed monthly fee is shown upfront so you'll know exactly how much you’ll pay. Plus, you'll still earn rewards for the purchases you plan the way you usually do.
• $250 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.74%-28.74% Variable
• Foreign Transaction Fees: None

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® 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 premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant^® American Express^® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Welcome Offer

Earn 100,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.

100,000 points

UP's Offer Valuation*:

Up to $700

Annual Fee

$650

APR

19.74%-28.74% 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 Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases

Cons

• Steep annual fee of $650 (rates & fees)
• 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy^® American Express^® Card

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Card Highlights

• Earn 100,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• Earn 3X points at restaurants worldwide and on flights booked directly with airlines.
• Earn 2X points on all other eligible purchases.
• Earn up to 21X Marriott Bonvoy^® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy. Earn 6X points with the Marriott Bonvoy Brilliant^® American Express^® Card. Earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member. Earn up to 5X points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
• A Marriott Bonvoy^® Platinum Elite member will earn 50% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.
• Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®, such as Le Metropolitan, a Tribute Portfolio Hotel in Paris. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy^® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
• With your Marriott Bonvoy Brilliant^® American Express^® Card, you can enroll in Priority Pass™ Select, with an unlimited number of visits to over 1,200 airport lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks and internet access in a quiet, comfortable location.
• Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees on international purchases.
• $650 Annual Fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.74%-28.74% Variable
• Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

Use Virgin Atlantic Flying Club Travel Partners

12. Fly With Partner Airlines

Flying with Virgin Atlantic airline partners will also help you earn Virgin Points, and plenty of partners offer bonus points! Click on a carrier for terms and conditions.

13. Book With Hotel Partners

Not only can you earn 1,000 points per stay at Virgin Hotels, but you can also earn points with the following Flying Club hotel partners:

14. Use Other Hotel Booking Companies

Book rooms directly with the following hotel booking companies and get extra Virgin Points, up to 10,000 points per night! Note that you may sacrifice earning loyalty points with the hotel program and give up your elite benefits if you book your hotel through one of the following platforms.

Click on a link to learn more about each program:

15. Book With Car Rental Agencies

When you need a rental car, be sure to book it through one of the Flying Club car rental partners, so you earn points in the Virgin Atlantic Flying Club. See the table below for the points you can earn with a rental:

Convert Partner Points to Virgin Points

16. Diners Club International

Since Diners Club is a Flying Club partner, you can transfer Club Rewards points to Virgin Atlantic. U.S. cardholders can convert rewards starting at 1,000 Club Rewards points.

17. Transfer Hotel Loyalty Points

We already showed you a list of all the hotel partners you can stay with to earn Virgin Points. Another way to take advantage of the many Flying Club hotel partnerships is by transferring hotel loyalty points into Virgin Club points.

Check out the loyalty programs that partner with Virgin and the transfer ratios they offer:

* Receive 5,000 bonus points when you convert 60,000 Marriott Bonvoy points, for a total of 25,000 Virgin Points 
** Receive 7,500 Virgin Points when you convert 50,000 World of Hyatt points, for a total of 37,500 Virgin points

Outside of transferring Marriott Bonvoy points to Virgin, you’ll get much more value when redeeming Hilton, IHG, and Hyatt points for award nights at their respective properties.

Of course, you can increase your rewards balances in these hotel loyalty program accounts by using hotel credit cards. These cards include the Hilton Honors American Express Card, Marriott Bonvoy Boundless^® Credit Card, and The World of Hyatt Credit Card.

Shopping To Earn Virgin Points

18. Shops Away Purchases

You don’t have to live in the U.K. to shop at the Shops Away site; even those in the U.S. may participate. Choose from more than 1,000 popular retailers such as Nike and Apple and earn points for your purchases. It’s a simple way to boost your points earnings for shopping you may already be doing anyway.

You can access the Shops Away site through the landing page, the Shops Away Points Finder toolbar extension on Google Chrome or Firefox, or by clicking the Shop Now button in your Flying Club account. To make sure you’re shopping through the U.S.-based site, click the “US Store” button in the upper right-hand corner on the Shops Away site, which toggles you between U.S. and U.K. retailers.

It can take up to 45 days for points to appear in your account.

Hot Tip: For more information on this specific earning method, check out our dedicated article — How To Use the Virgin Atlantic Shops Away Shopping Portal.

19. Order (and Drink!) Virgin Wines

One perk of being a member of Virgin Atlantic Flying Club is access to special deals from Virgin Wines. Order 12 wines worth more than $225 for only $79.99 (plus free shipping!) and get 3,000 Virgin Points.

Then, earn 2 points per $1 spent on future purchases!

20. Buy Virgin Atlantic Points

If you’re close to an award and need extra points to make an urgent redemption, or you want to buy extra points at a discount, Virgin Atlantic Flying Club has got you covered (but we only recommend doing this if you’re really in a pinch!).

21. Virgin Group Partners

Earn and spend points in the U.K. with Virgin Group Partners. For instance, travel with Virgin Trains, invest with Virgin Money, and take part in an exhilarating opportunity of a lifetime with Virgin Experience Days.

Discover all the ways you can earn points with Virgin Group Partners in the U.K.

22. Heathrow Rewards

Heathrow Rewards is a loyalty program that offers points to travelers who shop at Heathrow Airport in London. The program is offering a new member welcome bonus of 750 points when you sign up with promo code VSEnrol.

Once enrolled, you’ll earn 1 point for every £1 spent at Heathrow, Heathrow Parking, Heathrow Express pre-booked train tickets, and 1 point for every £10 exchanged in Bureaux de change.

23. Purple Parking

Purple Parking offers up to 500 Virgin points on parking services, along with a 5% discount for Silver elite members and 10% for Flying Club Gold elites.

• Meet and greet bookings: 500 Virgin points
• On-airport park and ride bookings: 350 Virgin points
• Off-airport park and ride bookings: 250 Virgin points

Final Thoughts

Whether you choose to earn credit card points and transfer them to fly with Virgin Atlantic and its partner carriers or shop to earn points, you certainly have plenty of options.

Now that you’ve learned strategies for earning and maximizing Virgin Points, you can start thinking about how you’ll redeem those points for a sweet vacation! Check out our guide on the best ways to use Virgin Points to get you inspired!

The information regarding the Virgin Atlantic World Elite Mastercard^® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.