Airline Loyalty Rewards
Virgin Atlantic Flying Club Loyalty Program Review
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London Gatwick, London Heathrow, Manchester
Clubhouse Lounges in London Heathrow (LHR), London Gatwick (LGW), New York (JFK), Newark (EWR), San Francisco (SFO), Boston (BOS), Los Angeles (LAX), Washington (IAD), Johannesburg (JNB).
Clubhouse Lounges in London Heathrow (LHR), London Gatwick (LGW), New York (JFK), Newark (EWR), San Francisco (SFO), Boston (BOS), Los Angeles (LAX), Washington (IAD), Johannesburg (JNB).
Branded and Partnered Credit Cards
In addition to partnering with all 4 of the major transferable point programs, Virgin Atlantic also offers co-branded credit cards.
Virgin Atlantic Credit Cards
Bank of America is the co-branded credit card partner, and it offers 2 credit cards in the Black and White credit card.
While neither card comes with a huge sign-up bonus, the cards do pair well with other transferable point credit cards.
American Express Credit Cards
American Express cards are a great way to earn points since the program is an Amex travel partner.
Amex has a number of valuable partners, and it regularly offers bonus points when transferring points to airline partners — further increasing the value of the points you earn.
By putting your everyday spending on these Amex credit cards, you’ll be on your way toward your next redemption:
Recommended Amex Cards (Personal)

The 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.
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The 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.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
- The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
- 5x points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
- 5x points per $1 spent on prepaid hotels booked with American Express Travel
- Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
- TSA PreCheck or Global Entry credit
- Access to American Express Fine Hotels and Resorts
- Access to Amex International Airline Program
- No foreign transaction fees (rates and fees)
Cons
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
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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!
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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!The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, 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
- 4x points per $1 at restaurants, plus takeout and delivery in the U.S.
- 4x points per $1 at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
- 3x points per $1 on flights purchased directly from airlines or at Amex Travel
- Up to $120 annual dining credit: up to $10 monthly statement credit when you pay with the Amex Gold card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations
- Up to $120 in annual Uber Cash: get $10 monthly in Uber Cash for Uber Eats orders or Uber rides in the U.S. when you add your Gold Card to your Uber account
- No foreign transaction fees (see rates and fees)
- Access to Amex’s The Hotel Collection
- Access to American Express transfer partners
Cons
- $250 annual fee (see rates and fees)
- No lounge access
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
Financial Snapshot
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
Card Categories
Rewards Center
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Recommended Amex Cards (Business)

The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
The Business Platinum Card® from American Express
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)
Pros
- 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
- Up to $200 annual airline fee credit on your selected qualifying airline
- Statement credits on select purchases with your card
- 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
- Global Entry or TSA PreCheck application fee credit
- Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
- Access to Amex’s Fine Hotels & Resorts program
Cons
- High annual fee of $695 (rates and fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
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American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
American Express® Business Gold Card
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).The American Express® Business Gold Card is excellent at racking up rewards for your business spend.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros
- 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses , and subways
- NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
- NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
- Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
- 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
- Access to Amex’s The Hotel Collection
- Purchase protection and extended warranty protection
- Trip delay insurance
- Car rental insurance
- Cell phone insurance
Cons
- $295 ($375 if application is received on or after 2/1/24) annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Financial Snapshot
- APR: 19.49% - 27.49% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
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The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
The Blue Business® Plus Credit Card from American Express
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros
- 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
- Purchase protection and extended warranty protection
- No annual fee and employee cards at no additional cost
Cons
- No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
- No elite travel benefits like lounge access or elite status
- Charges foreign transaction fees
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Financial Snapshot
- APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
- Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
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Chase Credit Cards
Chase is another valuable transferable point program that allows you to earn points with credit card spending, and then use those points to book an award flight.
Chase is right up there with Amex in terms of the number of personal and business credit cards it has that earn Ultimate Rewards points, which can be transferred directly to Virgin Atlantic.
Recommended Chase Cards (Personal)

Chase Sapphire Preferred® Card
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Chase Sapphire Preferred® Card
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.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
- 5x points on all travel booked via the Chase Ultimate Rewards portal
- 5x points on select Peloton purchases over $250 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
- 3x points on dining purchases, online grocery purchases, and select streaming services
- 2x points on all other travel worldwide
- $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
- 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
- Excellent travel and car rental insurance
- 10% annual bonus points
- No foreign transaction fees
- 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
- Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
- $95 annual fee
- No elite benefits like airport lounge access or hotel elite status
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
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Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Chase Sapphire Reserve®
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
- 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
- 10x points on Lyft purchases March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
- 5x points on airfare booked via the Chase Ultimate Rewards portal
- 3x points on all other travel and dining purchases; 1x point on all other purchases
- $300 annual travel credit
- Priority Pass airport lounge access
- TSA PreCheck, Global Entry, or NEXUS credit
- Access to Chase Luxury Hotel and Resort Collection
- Rental car elite status with National and Avis
Cons
- $550 annual fee
- Does not offer any sort of hotel elite status
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
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Recommended Chase Cards (Business)

Ink Business Preferred® Credit Card
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Ink Business Preferred® Credit Card
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
- 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
- Cell phone protection
- Purchase protection
- Trip cancellation and interruption insurance
- Rental car insurance
- Extended warranty coverage
Cons
- No elite travel benefits like airport lounge access
- Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
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Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Ink Business Cash® Credit Card
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.
When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.
Pros
- Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
- Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
- Travel insurance and purchase protection
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- No annual fee
Cons
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- 3% foreign transaction fees
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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- Chase Ink Business Cash $900 Welcome Bonus Offer
- Benefits of the Chase Ink Business Cash
- Ink Business Cash vs Ink Business Preferred
- Ink Business Cash vs Ink Business Unlimited
- Best Chase Business Credit Cards
- Best Business Credit Cards with No Annual Fee
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance

Ink Business Unlimited® Credit Card
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Ink Business Unlimited® Credit Card
The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.
If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.
Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Pros
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Employee cards at no additional cost
- Earn flexible rewards
Cons
- 3% foreign transaction fee
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Financial Snapshot
- APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Card Categories
Rewards Center
- The Ink Business Unlimited $900 Welcome Bonus Offer
- Benefits of the Ink Business Unlimited Credit Card
- Ink Business Cash vs Ink Business Unlimited
- Ink Business Preferred vs Ink Business Unlimited
- Best Business Credit Cards with No Annual Fee
- Best Chase Business Credit Cards
- Best Business Credit Cards for Multiple Employees
- Best 0% APR Business Credit Cards
- Best Credit Cards for Car Rental Insurance

Ink Business Premier℠ Credit Card
Earn up to 5% cash-back for your business without complex bonus earning categories!
Ink Business Premier℠ Credit Card
Earn up to 5% cash-back for your business without complex bonus earning categories!Chase has introduced the Ink Business Premier℠ Credit Card to its business credit card lineup. With straightforward cash-back earnings on everyday purchases and large expenses, tools to help you monitor your business, and multiple ways to redeem your rewards, this is a great card option to consider.
Pros
- Earn 2.5% total cash-back on purchases of $5,000 or more
- Earn 2% cash-back on all other business purchases
- Unlimited 5% total cash-back on travel purchased through Chase Ultimate Rewards
- No foreign transaction fees
- Trip cancellation and trip interruption insurance
- No additional cost for employee cards
- Cell phone protection
- Primary rental car coverage
- Purchase protection
- Extended warranty coverage
Cons
- $195 annual fee
- Some purchases need to be paid in full each month and don’t qualify for Flex for Business APR
- Rewards cannot be pooled with Chase cards that offer access to transfer partners
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Earn unlimited 2.5% total cash back on purchases of $5,000 or more and unlimited 2% cash back on all other business purchases.
- Travel Benefits: Unlimited 5% total cash back on travel purchased through Chase Ultimate Rewards, No Foreign Transaction Fees and Trip Cancellation/Trip Interruption Insurance.
- The only business credit card with 2.5% cash back on every purchase of $5,000 or more.
- For businesses who prefer to pay their balance in full each month, Ink Business Premier gives access to increased spending power, rich rewards, and premium benefits.
- Pay off eligible purchases over time with interest up to assigned Flex for Business limit. All other purchases must be paid in full each month.
- Purchase with confidence with built-in protections like Fraud Protection, Zero Liability Protection, Purchase Protection, Cell Phone Protection, and Extended Warranty Protection.
- There's no additional cost for employee cards. Monitor spend with digital tools like purchase alerts, set spending limits, reporting, and more.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
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Citi Credit Cards
Citi tends to be an off-the-radar program, but it’s another one you can use to earn transferable ThankYou points.
What many people appreciate about the Citi program is that it has regular bonuses like Amex when transferring points to some of its airline partners, providing you with additional value.
The only credit card available to new applicants that earns ThankYou Points is the Citi ThankYou Premier. More information about the card can be found here:

Citi Premier® Card
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.
Citi Premier® Card
Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!
Pros
- 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
- Access to Citi transfer partners
- Annual hotel credit
- No foreign transaction fees
Cons
- $95 annual fee
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
- 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: 21.24% - 29.24% Variable
- Foreign Transaction Fees: None
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Rewards Center

Citi Rewards+® Card
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.
Citi Rewards+® Card
This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. 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).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Financial Snapshot
- APR: 0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 28.74%.
- Foreign Transaction Fees: 3% of each purchase transaction in US dollars
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Citi Double Cash® Card
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!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
- 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
- Lack of premium travel benefits
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, 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: 19.24% - 29.24% Variable
- Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Card Categories
Rewards Center

Citi Custom Cash® Card
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!
Citi Custom Cash® Card
Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, with no annual fee!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, without an 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
- 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
- No annual fee
- Multiple redemption options
- No redemption minimums
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
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, 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. Also, earn unlimited 1% cash back on all other purchases.
- 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.
- No 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 19.24% - 29.24%.
- Foreign Transaction Fees: 3%
Card Categories
Marriott Bonvoy Credit Cards
Marriott Bonvoy credit cards are yet another to way to earn transferable Marriott Bonvoy points that can then be transferred to Marriott Bonvoy’s airline partners.
The Marriott Bonvoy program is unique in that for every 60,000 points you transfer to an airline partner, you’ll receive 5,000 bonus points.
That means 60,000 points will give you 25,000 airline points (3:1 transfer ratio + 25% bonus) to use for your next redemption.
If you’re looking to earn these transferable points, here are the credit cards we recommend:

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.
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.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
- Up to 14x points per $1 on Marriott purchases
- 2x points per $1 on travel purchases
- 15 Elite Night Credits each year (automatically gives you Silver Elite status)
- No foreign transaction fees
- No annual fee
Cons
- Lower point earn rate than other Marriott Bonvoy cards
- Marriott Bonvoy Silver Elite status is the lowest status tier
- Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
- 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.
- 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
- 1X point for every $1 spent on all other purchases.
- Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
- No Foreign Transaction Fees.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center

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.
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.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
- Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
- New benefit to earn big at grocery stores, gas stations, and dining
- Automatic Silver Elite Status
- 1 Free Night Award each cardmember anniversary (up to 35,000 points)
- DoorDash DashPass subscription
- No foreign transaction fees
Cons
- $95 annual fee
- Marriott Silver status is the lowest status tier
- 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 each year 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.
- Member FDIC
Financial Snapshot
- Foreign Transaction Fees: None
Card Categories
Rewards Center

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.
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.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
- 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
- Complimentary Marriott Bonvoy Gold Elite status
- 15 Elite Night Credits per year
- 1,000 bonus points per paid stay
- 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
- No foreign transaction fees (rates and fees)
Cons
- $250 annual fee (rates and fees)
- Free Night Award certificate is not an automatic benefit
- 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.
- 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.
- With complimentary Gold Elites 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™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a hotel participating in Marriott Bonvoy®. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 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. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees: None
Card Categories

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.
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.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
- 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
- 25 Elite Night Credits each year
- Priority Pass Select membership upon enrollment
- Global Entry or TSA PreCheck application fee statement credit
- Annual Free Night Award after card renewal
- Complimentary Platinum Elite status
Cons
- Steep annual fee of $650 (rates and fees)
- 6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy™ American Express® Card
- Earn 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
- $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.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
- Free Night Award: 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®. 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 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 ($100) 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. Terms apply.
- Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 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.
- No Foreign Transaction Fees on international purchases.
- With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
- $650 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 20.99%-29.99% Variable
- Foreign Transaction Fees: None
Card Categories
Rewards Center
Other Hotel Partner Credit Cards
Hotel programs like Hyatt and Hilton, in addition to Marriott, will allow you to convert your hotel points into airline points.
In theory, this sounds great, but it nearly always results in poor transfer ratios.
In short, we don’t recommend converting your other hotel points into airline points unless you are topping off an airline account or are in a bind.
Virgin Atlantic Overview
Virgin Atlantic was founded in the mid-1980s by legendary entrepreneur Richard Branson.
The airline’s loyalty program is called Flying Club, and it operates from 2 hubs in London (Heathrow and Gatwick) and one hub in Manchester.
Virgin Atlantic’s hard product and customer service receive great reviews, and it’s an airline some U.S. customers look to when flying across the Atlantic.
Flying Club members earn both Tier Points and Virgin Points. Both are earned on every flight, with Tier Points going toward your elite status and Virgin Points going toward flight redemptions.
While Virgin Atlantic isn’t in an alliance, the airline has individual partnerships with a number of airlines, which opens up unique award flight options.
The points that you earn when flying Virgin Atlantic or crediting partner flights to Virgin Atlantic can then be used on any Virgin or partner airline flight, hotel stay, or with the Virgin Group.
Joining Flying Club
The frequent flyer program of Virgin Atlantic is free by simply filling out this application on its website.
With your application completed, you will get the ability to earn Tier Points and Virgin Points, as well as earn your way toward elite status.
How to Sign in to Your Flying Club Account
Signing in to your Flying Club account is easy — you’ll only need your email/Flying Club number, password, and last name.
Hot Tip: Unlike the United and Delta websites, you’ll need to log in to your Flying Club account to search for an award flight.
Viewing Your Account Activity
In order to see your account activity, follow these steps:
- Log in to your account
- Click your name in the top right corner of the page
- Click My Account
- Click See full Flying Club account statement
Points Expiration
Virgin Points do not expire.
Virgin Atlantic Mileage Program
Flying Club Elite Status
The Flying Club program has 3 elite tiers, each of which we’ll cover in more detail below.
Red: This the base elite tier offered by Virgin Atlantic that comes with the following benefits:
- Earn points on every flight
- Ability to use points for award flights
- Dedicated Flying Club phone line
- Discounted access to Flying Club lounges
Silver: Virgin Atlantic’s middle-tier elite status offers qualifying members these perks:
- All Red benefits plus:
- 30% bonus points on every flight
- Free seat selection ahead of your flight in Economy Light
- Premium check-in flying in any cabin
- Tier renewal bonus
- Priority waitlist for flights
- Maternity and paternity membership pause
Gold: Flying Club’s top elite tier, which provides members with these benefits:
- All Silver benefits plus:
- 60% bonus points on every flight
- Free seat selection for your party ahead of your flight in Economy Light
- Extra baggage allowance
- Upper Class check-in flying in any cabin
- Clubhouse passes for you plus 1 guest
- 1 complimentary Clubhouse spa treatment plus 10% off thereafter
- Access to London Heathrow Revivals Lounge
- 2,000 bonus birthday points
- Complimentary companion ticket upon yearly renewal of Gold tier
- Clubhouse passes for you to keep or share when you earn 1,500 Tier Points within your membership year
- Cabin Upgrade Reward when you earn 2,000 Tier Points within your membership year
- Complimentary Silver membership for a friend
If you want to learn more, head to the Flying Club website for the entire list of benefits available at each tier.
Value of Flying Club Elite Status
The way to value elite status with Virgin Atlantic is to ask yourself if you fly Virgin Atlantic or its partner airlines frequently enough to utilize the benefits.
If the answer to that question is yes, it may make sense to invest your loyalty in the Flying Club program.
Red and Silver elite tiers do not provide a ton of perks, so I’d recommend focusing your efforts on earning the top-tier Gold status.
With Virgin’s top-tier status, a complimentary companion ticket and a cabin upgrade reward are the most valuable perks.
Bottom Line: Virgin has a simplified elite tier structure with the most valuable benefits offered to those members who earn Gold status.
Earning Flying Club Elite Status
The Flying Club program uses what are called Tier Points for elite status qualification.
Not to be confused with the Virgin Points that you earn from flying, Tier Points are solely used to determine whether you are a Red, Silver, or Gold member.
Tier Points will expire every 12-13 months if you are a Silver or Gold member. Red members have added runway in that you’ll have 36 months before your status expires.
To ensure that your Silver status is current, you’ll need to earn 400 Tier Points a year. If Gold is what you want, you’ll need to earn 1,000 Tier Points a year.
Red elites looking to qualify for Silver status will need to earn 400 Tier Points in what’s called an “Upgrade Cycle”, which is calculated from the current date back to the first day of that month to the previous year.
Hot Tip: From April 2022 to March 2023, members will only need 300 Tier Points to earn Silver elite status, and 800 Tier Points to earn Gold elite status
For example, if it’s November 27, 2022, you calculate back to November 1, 2022 and then 12 months back to November 1, 2021 to determine the amount of time required to upgrade from Red to Silver.
Elite status duration for Silver and Gold resembles Red, but it’s slightly different.
Silver and Gold elites will remain in those respective tiers every year that those members earn the required 400 and 1,000 Tier Points respectively in the Upgraded Fixed Membership Period.
The Period starts on the day that you earn Silver or Gold status, and continues for the remainder of that month through the subsequent 12 months.
For each Upgraded Fixed Membership Period, your Tier Points will reset to 0. If the member doesn’t earn the 400 or 1,000 points needed, the member will drop down to the membership tier directly below the one the member holds.
For example, if you are a Gold elite and don’t earn 1,000 points within the Upgraded Fixed Membership Period, you will drop down to Silver elite status.
Earn Tier Points on award flights
Effective Septemeber 1, 2020, members will earn elite-qualifying Tier Points on all bookings with Virgin – including award tickets!
Similar to cash fares, you’ll earn Tier Points based on the fare class of your ticket. However, award tickets will earn tier points at 50% of cash tickets. But seeing as before you earned none, this is still great for frequent Virgin Atlantic flyers.
All one-way Upper Class redemptions will earn 100 Tier Points, Premium one-way redemptions will earn 50 Tier Points and economy one-way redemptions will earn 25 Tier Points.
Ticket Type: | Economy | Premium | Upper Class |
Tier Points Earned: | 25 | 50 | 100 |
In addition to earning Tier Points from flying, Virgin Atlantic has a credit card that provides an avenue toward earning elite status:
- Black Credit Card — 25 Tier Points per $2,500 spent on the card
Bottom Line: Virgin Atlantic uses Tier Points for elite status qualification and doesn’t have a revenue or segment qualification requirement like you’ll find with American Airlines, Delta, and United Airlines.
How to Earn Flying Club Virgin Points
Virgin Atlantic is one of a few airline programs that partners with all 4 major transferable point programs: Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, and Marriott Bonvoy.
What this means that you’ll have plenty of ways to earn Virgin Points for your next award flight!
Earning Points Through Flying
Members in the Virgin Atlantic program earn points based on the route, ticket class, and their elite status. A full list of the mileage that you’ll earn can be found on this earning table:
- Red member: 25%-400% of base points flown
- Silver member: 25%-400% of base points flown + 30% bonus
- Gold member: 25%-400% of base points flown + 60% bonus
Virgin Atlantic also has partnerships with individual airlines, which allows you to earn points when flying with those partners.
Earn Points With Credit Cards
Bank of America is the Virgin Atlantic co-branded credit card partner, and it offers 2 cards that earn Virgin Points.
In addition to the Virgin Atlantic credit cards, you’ll want to consider cards offered by the major transferable point programs in Amex, Chase, Citi, and Marriott.
Earning Bonus Points in Other Ways
Similar to most major airlines, the Flying Club program offers its members the opportunity to earn airline points in ways that don’t involve flying.
One way to stay on top of these opportunities is to follow the airline’s Twitter, Facebook, and Offers Page for the latest deals.
Another way to earn points is to keep tabs on offers from its other partners, which include hotels, car rentals, and financial institutions.
The last way to earn points is to use the shopping portal and check out the partnerships with the Virgin Group.
Hot Tip: If you add your airline loyalty program to other services, you won’t also earn status points with these franchises (unless it’s a preferred car rental agency that has specifically partnered with the airline; this partnership acts as a sort of alliance between airline and rental agency).
How to Redeem Virgin Atlantic Flying Club Points
The Flying Club program has a number of ways to redeem Virgin Atlantic points, but the best value will come from redeeming your points for an award flight.
Virgin Atlantic has 2 types of award flights:
- Standard Season: cheap option
- Peak Season: expensive option
Standard Season is half the cost of Peak Season, so you’ll want to book an award flight during the Standard Season travel dates shown above.
What’s evident when reviewing the award chart below is how high the surcharges are when flying Virgin Atlantic.
The best value in the award chart is to fly one-way in Premium Economy from the U.S. to the U.K. Other than that, you’ll likely have better options to cross the Atlantic with another program.
Hot Tip: If you’re looking for ways to leverage the Flying Club program, we have a post on the best ways to use Virgin Atlantic points.
Partner Awards
Virgin Atlantic’s partnerships with individual airlines are where the Flying Club program really shines.
You can find the full list of partners and the redemptions rates here, and here are a few redemptions to consider:
- U.S. to Europe/Asia one-way business class on Delta for 50,000/60,000 points
- U.S. to New Zealand round-trip business class on Air New Zealand for 125,000 points
- U.S. to Senegal round-trip business class on South African for 50,000 points
- U.S. to Japan round-trip business/first class on ANA for 90,000-95,000/110,000-120,000 points
Booking Online
The Virgin Atlantic website is tricky in that it doesn’t show all destinations for its partner airlines and takes time getting used to all of its quirks.
If the city you’re looking to fly from/to isn’t shown on the website, you’ll want to research partner flights elsewhere and call Virgin Atlantic to confirm award availability.
For SkyTeam partners, use the Delta or Flying Blue (Air France/KLM) websites to search for an award flight.
Star Alliance availability can be found using the United or Aeroplan websites.
Airlines not part of an alliance will require you to call Virgin Atlantic or use Expert Flyer to search for award availability.
Hot Tip: Virgin Atlantic requires you to login to your account to search for Virgin Atlantic and partner award flights.
The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant® American Express® card, click here.
Frequently Asked Questions
What is the Virgin Atlantic Flying Club Program? Is it worth it? What are the benefits?
Flying Club is the airline loyalty program of Virgin Atlantic. By becoming a member, you will have the ability to both earn and redeem points for award flights.
The programs elite benefits are driven by the amount of Tier Points that you earn. Once you start earning Tier Points, you’ll have the ability to achieve Red, Silver, or Gold elite status.
Elite benefits include bonus points, lounge access, and extra baggage allowance, among other benefits.
Virgin Atlantic is not in an alliance so the points that you earn can be redeemed for Virgin Atlantic or its partner airline award flights.
In Flying Club, who are the partners? Can I transfer points to them?
Virgin Atlantic, like most major airlines, has a host of earning and redeeming travel partners.
On the earning side, Virgin partners with airlines, hotels, retail and financial companies, and the Virgin Group.
If you’re looking to redeem points, Virgin partners with airlines, hotels, and the Virgin Group.
While you can’t transfer your points to Virgin Atlantic’s airline partners directly, you can use your points to book a flight on an airline partner like Air New Zealand or ANA.
Separately, you can use your points to book a hotel, car rental, or pay for your shopping.
What is the Virgin Atlantic Flying Club login?
Head to this page to login to your frequent flyer account.
Where can I sign up for Flying Club?
You can sign up for a free Flying Club account by filling out an application here.
What is my Flying Club number?
You can find your Flying Club number by signing in to your account, on your membership card, or through a variety of marketing emails they send to you.
If you can’t find it there, try using the “forgot my password” tool to reset your account so you can get in. Alternatively, try calling the customer service desk to find your number.
When do points post in Flying Club?
It might take up to 6 weeks for the points to appear in your account.
When do Flying Club Virgin Points expire?
Virgin Atlantic points do not expire.
When does Flying Club status expire?
If you are a Silver or Gold member, you elite status will expire every 12-13 months.
If you are a Red member, your status is valid for 36 months.
Is there an Virgin Atlantic credit card?
Yep! Virgin Atlantic actually has two credit cards in that Black and White card.
Can you hold an award flight with Virgin Atlantic?
Yes! Virgin Atlantic will allow you to hold an award flight for 24-48 hours.
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About Michael McHugh
Born and raised in Mobile, Alabama, Michael took his first international trip in 2013 with friends to the Bahamas. Although he didn’t travel much in his younger years, on that trip, he caught the travel bug and has been hooked ever since.
Michael first caught wind of the points and miles game in 2014 while at a bar in Washington, DC where the conversation amongst friends was quickly derailed because of an alert on a friend’s phone about a mistake fare. That’s where the love affair with points and miles began.
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UP's Bonus Valuation
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.