The Best Ways To Fly to Central America With Points and Miles [Step-by-Step]

Central America is a particularly interesting part of the world, home to several vibrant countries and 7% of the planet’s total biodiversity, despite occupying just 0.1% of Earth’s land.

Travelers flock to the region to see sights like the Great Blue Hole in Belize, Mayan pyramids in Guatemala and Honduras, and the picturesque beaches of Costa Rica. You can even find bustling metropolises in Panama if you’re a city slicker.

Regardless of what ends up drawing you to Central America, let’s review all of the best ways to fly to this fascinating region using points and miles.

Nonstop Flights Between the U.S. and Central America

Thanks to the region’s proximity to the U.S., plenty of airlines fly nonstop between the U.S. and Central America.

In our guide, we’ve defined the following countries to be part of Central America:

• Belize — Belize City (BZE)
• Costa Rica — Liberia (LIR), San José (SJO)
• El Salvador — San Salvador (SAL)
• Guatemala — Guatemala City (GUA)
• Honduras — Coxen Hole (RTB), San Pedro Sula (SAP), Tegucigalpa (TGU)
• Nicaragua — Managua (MGA)
• Panama — Panama City (PTY)

Like we mentioned, numerous airlines, including low-cost carriers Frontier, Spirit, and Volaris, fly nonstop to the region. However, we’ve excluded these from this guide, which will focus on the best ways to get outsized value from your points.

The main foreign carriers offering nonstop flights to Central America are Avianca and Copa Airlines.

In addition, nonstop flights are offered by major U.S. carriers, including Alaska Airlines, American Airlines, Delta Air Lines, and United Airlines. JetBlue even offers some flights with its lauded Mint business class.

Check out the domestic airlines offering nonstop flights:

Alaska Airlines

American Airlines

Delta Air Lines

JetBlue

* Mint service available

United Airlines

And here’s a look at foreign carriers’ nonstop routes between the U.S. and Central America:

Avianca

Copa Airlines

Bottom Line: All major U.S. airlines, as well as Avianca and Copa Airlines, offer nonstop service to Central America. The best lie-flat options are found on JetBlue and Copa Airlines, but convenient nonstop flights may end up being the deciding factor.

Best Programs for Booking Flights to Central America

Emirates Skywards

You may be wondering, “What in the world is Emirates doing in a guide to flying to Central America with points?”

Well, we’re here to inform you that redeeming Emirates miles is the best way to book JetBlue Mint using points.

Thanks to a close partnership between the 2 airlines, there’s finally an alternative to booking JetBlue Mint using points apart from redeeming JetBlue TrueBlue points at a poor, fixed value or using the Chase travel portal to redeem Ultimate Rewards points at a fixed value.

Here’s the award chart for booking JetBlue flights with Emirates Skywards:

Additionally, any JetBlue Mint ticket in the “I” fare class can be booked using the award chart above.

Here are some great example JetBlue redemptions you can make:

• Boston (BOS) – Liberia (LIR) one-way in JetBlue Mint for 52,000 Emirates miles + ~$10 in taxes and fees
• Los Angeles (LAX) – Liberia (LIR) one-way in JetBlue Mint for 52,000 Emirates miles + ~$10 in taxes and fees
• New York (JFK) – Liberia (LIR) one-way in JetBlue Mint for 52,000 Emirates miles + ~$10 in taxes and fees

These flights can exceed $1,500 in price, opening up the possibility to get around 3 cents per point in value!

Here’s how to book JetBlue Mint tickets with Emirates miles:

1. Visit Emirates’ website.
2. Log in to your Emirates account.
3. In the search box on the homepage, click the button that says Advanced search: multi-city, promo codes, partner airlines.
4. Select Book Classic Rewards Flight near the top of the screen.
5. Just under that, click Search partner flights only.
6. Choose your trip type (Round-trip or One-way)
7. Enter the flight, date, and cabin class.
8. Select the number of travelers.
9. Click Search.
10. Book any of the flights you see in the results using Emirates miles and a credit card for taxes and fees.

Earning Emirates Skywards Miles

Emirates Skywards is a Chase transfer partner, American Express transfer partner, Citi ThankYou transfer partner, Capital One transfer partner, Brex transfer partner, and Marriott transfer partner.

Amex, Chase, Citi, Capital One and Brex transfer to Emirates almost instantly at a 1:1 ratio.

Marriott Bonvoy transfers to Emirates at a 3:1 ratio, taking around 3 business days. If you transfer 60,000 Marriott Bonvoy points to Emirates, you’ll receive a bonus of 5,000 Emirates Skywards miles.

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Chase Sapphire Preferred^® Card

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The rating for this card has been determined by our own industry experts who know the in's and out's 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 huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred^® Card

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

Welcome Offer

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^®.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$95

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 cardapplication.

Good to Excellent (670-850)

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 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

Card Highlights

• 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

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Chase Sapphire Reserve^®

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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 3x points on travel and dining while offering top luxury perks.

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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.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

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 cardapplication.

Excellent (740-850)

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 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 & Cons

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

Card Highlights

• 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

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Bottom Line: The most comfortable way to fly to Central America is in JetBlue Mint, one of the best business class products from a U.S. carrier. You can redeem Emirates miles, which are easy to earn, for this experience, though the only available routes currently are to Costa Rica’s beach hotspot, Liberia (LIR).

Cathay Pacific Asia Miles

American Airlines is another major operator of nonstop flights to Central America.

With nearly 20 nonstop flights, you’re bound to find a flight suitable for you, whether you live in one of the cities from which AA flies nonstop or one of the many other cities American connects with its hubs across the country.

Cathay Pacific’s Asia Miles program offers great redemption prices on American’s longer flights, while British Airways Executive Club (discussed in the next section) has the best prices for shorter flights.

Here are some great American Airlines redemptions you can make using Asia Miles:

• New York (JFK) – Liberia (LIR) one-way in American Airlines business class for 30,000 Asia Miles + ~$6 in taxes and fees
• New York (JFK) – San José (SJO) one-way in American Airlines business class for 30,000 Asia Miles + ~$6 in taxes and fees
• Phoenix (PHX) – San José (SJO) one-way in American Airlines business class for 30,000 Asia Miles + ~$6 in taxes and fees

Unfortunately, Asia Miles requires you to submit an award request form or call the customer service phone number in order to book.

Given this extra step, here’s what we recommend you to do:

1. Do not use American Airlines’ website to find availability. Instead, use a partner website like British Airways or Qantas to search.
2. After finding American Airlines availability, give Asia Miles a call at 866-892-2598.
3. Provide the Asia Miles customer service specialist with the details and finish making the reservation.

Earning Cathay Pacific Asia Miles

Cathay Pacific Asia Miles are easy to earn.

It maintains partnerships with American Express Membership Rewards, Citi ThankYou Rewards, Capital One Miles, Brex Rewards, and Marriott Bonvoy.

Amex transfers at a 1:1 ratio in a few hours, Citi and Brex both transfer at a 1:1 ratio within 1 business day, and Capital One transfers at a 1:1 ratio within 2 business days.

Marriott Bonvoy transfers at a 3:1 ratio with a 5,000-mile bonus when you transfer 60,000 Marriott Bonvoy points. Transfers to Asia Miles process in 5 business days.

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The Platinum Card^® from American Express

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

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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.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on purchases on the Card in your first 6 months of Card Membership.

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UP's Bonus Valuation*:

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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 cardapplication.

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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 1,400 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)

Card Highlights

• 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.
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• $695 annual fee.
• Terms Apply.

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American Express^® Gold Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at Amex's secure site)

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

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.

60,000 points

UP's Bonus Valuation*:

$1,320

Annual Fee

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APR

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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 cardapplication.

Good to Excellent (670-850)

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 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 & Cons

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

Card Highlights

• 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.

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British Airways Executive Club

With the British Airways Executive Club, it’s best to compare the merits of this program to those of Asia Miles.

In this case, partner American Airlines is going to be the major airline we examine.

Cathay Pacific Asia Miles offers attractive mileage prices compared to British Airways Executive Club on flights longer than 2,000 miles. But, on the other hand, British Airways Executive Club offers phenomenal award prices on flights up to 2,000 miles in flight distance.

Here’s the award chart for partner-operated flights (including American Airlines) booked with Asia Miles and British Airways Avios:

As you can see in the chart above, British Airways costs 8,000 Avios less than Asia Miles for American Airlines business class flights up to 2,000 miles in flight distance, while Asia Miles costs 8,750 miles less than British Airways for American Airlines business class flights longer than 2,000 miles in flight distance.

Additionally, flights can be booked 100% online and it’s easy to earn British Airways Avios.

Here are some great example routes you can book using British Airways Avios:

• Austin (AUS) – Liberia (LIR) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Chicago (ORD) – Guatemala City (GUA) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – Belize City (BZE) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – Guatemala City (GUA) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – Liberia (LIR) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – San José (SJO) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – San Pedro Sula (SAP) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees
• Dallas (DFW) – San Salvador (SAL) one-way in American Airlines business class for 22,000 British Airways Avios + ~$6 in taxes and fees

Follow these steps to book your American Airlines ticket using British Airways Avios online:

1. Visit British Airways’ website.
2. Log into your British Airways Executive Account by clicking Log in in the top-right corner and entering your account details.
3. After logging in, hover over the Book button in the top banner, and click Book a flight with Avios under the Flights sub-menu.
4. Enter your travel information and click Get flights.
5. Book the flight you wish using Avios and a credit card for taxes and fees.

Earning British Airways Avios

British Airways Executive Club has transfer partnerships with Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, and Marriott Bonvoy.

Chase and Amex transfer to British Airways at a 1:1 ratio almost instantly, while Capital One transfers to British Airways at a 1:1 ratio almost instantly.

Marriott Bonvoy transfers to British Airways at a 3:1 ratio with a 5,000-mile bonus if you transfer 60,000 Marriott Bonvoy points.

Additionally, you can also earn Avios with the British Airways Visa Signature^® Card!

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U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

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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 Bonus Valuation*:

$1,350

Annual Fee

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APR

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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 cardapplication.

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 purchased through Capital One Travel
• 2x miles per $1 on all other purchases
• $300 annual travel credit on bookings made through Capital One Travel
• Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 10,000 bonus miles awarded on your account anniversary each year
• Global Entry/TSA PreCheck credit
• Add authorized users for no additional annual fee
• No foreign transaction fees

 

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

 

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 booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• 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
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Capital One Miles

 

More Reads

• Benefits of the Capital One Venture X Card
• Best Ways to Use Venture X Points
• Capital One Venture X Credit Score and Approval Odds
• Capital One Venture X Lounge Access
• Capital One Venture X Travel Insurance Benefits
• Capital One Venture vs Venture X
• Capital One Venture X vs Amex Platinum
• Capital One Venture X vs Chase Sapphire Reserve
• Best Credit Cards with Priority Access
• Best Credit Cards for Airport Lounge Access
• Best Capital One Credit Cards
• Best Luxury and Premium Credit Cards
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• Best High Limit Credit Cards
• Choice Privileges Loyalty Program Review

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 in's and out's 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!

Learn More(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

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.

75,000 miles

UP's Bonus Valuation*:

$1,350

Annual Fee

$95

APR

19.99% - 29.99% (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 cardapplication.

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 and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• 2 complimentary visits to a Capital One Lounge or Plaza Premium Lounges each year
• Global Entry or TSA PreCheck credit
• No foreign transaction fees (rates & fees)
• Access to Capital One transfer partners

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

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 and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
• 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 $100 credit for Global Entry or TSA PreCheck^®
• Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
• Use your miles to get reimbursed for any travel purchase – or redeem by booking a trip through Capital One Travel
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Capital One Miles

More Reads

• How To Find the 75k or 100k Bonus for the Capital One Venture
• Travel Insurance Benefits of the Capital One Venture
• Capital One Venture vs Venture X
• Capital One Venture Card vs. Capital One VentureOne Card [Detailed Comparison]
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• Best Capital One Credit Cards
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• Capital One vs. Citi Credit Cards – Which Is Best? [2023]
• Recommended Minimum Requirements for Capital One Credit Cards

Terms Apply / Rates & Fees

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 in's and out's 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.

Learn More(at Capital One's secure site)

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

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Bonus Valuation*:

$360

Annual Fee

$0

APR

19.99% - 29.99% (Variable),0% intro on purchases for 15 months

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 cardapplication.

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, the no-annual-fee version of the more popular Capital One Venture 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
• Access to Capital One Dining

Cons

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

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• 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 and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• 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; 19.99% - 29.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months

Financial Snapshot

• APR: 19.99% - 29.99% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Travel Rewards Credit Cards
• No Annual Fee Cards

Rewards Center

Capital One Miles

More Reads

• Benefits of the Capital One VentureOne Card
• Capital One Venture X Card vs. Capital One VentureOne Card [Detailed Comparison]
• Capital One Platinum Card vs. VentureOne and Venture Cards [Detailed Comparison]
• Capital One Venture Card vs. Capital One VentureOne Card [Detailed Comparison]
• Best Capital One Credit Cards
• Best Virtual Credit Cards
• Best Instant Approval Credit Cards
• Capital One Transfer Partners
• easyJet Review – Seats, Amenities, Customer Service, Baggage Fees, & More
• The 5 Best First Credit Cards For Beginners [November 2023]

Delta SkyMiles

Delta SkyMiles is a polarizing loyalty program. Associated with an airline with extremely high customer satisfaction, it’s somewhat unintuitive to think that its mileage prices aren’t all that attractive, especially for long-haul, premium cabin travel.

Still, for regional flights in first or business class, it’s possible to get solid value overall. More importantly, you’re almost always guaranteed a “floor” value with your miles, meaning they will be worth at least 1 cent apiece in redemption value.

Booking Delta flights to Central America is best done with Delta SkyMiles. It’s not unheard of to book economy flights for 10,000 miles in each direction, though you’ll generally redeem around 30,000 to 50,000 miles in each direction for a first class flight.

Unfortunately, it’s impossible to tell how much you’ll pay for a flight until you actually search due to Delta SkyMiles’ dynamic award pricing system.

Nonetheless, if you maintain a high degree of flexibility, you should be able to get some good deals on nonstop first or business class flights to Central America.

Additionally, since Delta SkyMiles members have the best access to award availability, you have the option to redeem more miles for a flight that works better with your schedule, while partner programs like Air France/KLM Flying Blue wouldn’t have that option.

Here are some great example redemptions you can make:

• Atlanta (ATL) – Panama City (PTY) one-way in Delta first class from 32,000 SkyMiles + ~$6 in taxes and fees
• Atlanta (ATL) – San José (SJO) one-way in Delta first class from 43,000 SkyMiles + ~$6 in taxes and fees
• Atlanta (ATL) – San Pedro Sula (SAP) one-way in Delta first class from 17,000 SkyMiles + ~$6 in taxes and fees
• Atlanta (ATL) – San Salvador (SAL) one-way in Delta first class from 31,000 SkyMiles + ~$6 in taxes and fees
• Los Angeles (LAX) – Liberia (LIR) one-way in Delta first class from 29,000 SkyMiles + ~$6 in taxes and fees
• Los Angeles (LAX) – San José (SJO) one-way in Delta first class from 34,000 SkyMiles + ~$6 in taxes and fees
• Los Angeles (LAX) – San Salvador (SAL) one-way in Delta first class from 27,000 SkyMiles + ~$6 in taxes and fees
• New York (JFK) – Panama City (PTY) one-way in Delta first class from 20,000 SkyMiles + ~$6 in taxes and fees

If you’re ready to book your Delta flight, follow these steps:

1. Go to Delta’s website.
2. In the top ribbon, fill in the search box. Search for your flights.
3. Find suitable flight options and book your ticket using SkyMiles and a credit card for taxes and fees.

Hot Tip: Delta SkyMiles is very much a “what you see is what you get” program. Enhance what you see by searching using the award calendar.

Earning Delta SkyMiles

Delta SkyMiles are best earned through transfers from American Express or Marriott Bonvoy.

Amex Membership Rewards points transfer at a 1:1 ratio almost instantly, while Marriott Bonvoy points transfer within 1 business day at a 3:1 ratio.

Also, Amex issues several Delta SkyMiles co-branded credit cards that also come with perks like priority boarding, free checked bags, and more.

Recommended Delta SkyMiles Cards

Terms Apply / Rates & Fees

Delta SkyMiles^® Gold American Express Card

U.P. Rating

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

This card provides bonus SkyMiles on all purchases, along with a free bag, priority boarding, and discounted award flights.

Learn More(at Amex's secure site)

Delta SkyMiles^® Gold American Express Card

This card provides bonus SkyMiles on all purchases, along with a free bag, priority boarding, and discounted award flights.

Welcome Offer

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.

40,000 miles

UP's Bonus Valuation*:

$480

Annual Fee

$0 introductory annual fee for the first year, then $99.

APR

20.99%-29.99% 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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Frequent Delta flyers will love the Delta SkyMiles^® Gold American Express Card. The card offers great benefits that will help save you money, effectively mimics low-level elite status with Delta SkyMiles, and helps you earn miles even faster, all for a low annual fee. Let’s dive into the benefits to see if the Delta Gold card is a good fit for your needs.

Pros & Cons

Pros

• New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Bonus earning on Delta purchases and U.S. supermarket and worldwide restaurant purchases
• First checked bag free on Delta flights
• 20% back on inflight purchases

Cons

• Moderate annual fee
• Earn rate for Delta flights is relatively low compared to other travel cards

Card Highlights

• Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
• Enjoy a $0 introductory Annual Fee for the first year, then $99.
• Enjoy your first checked bag free on Delta flights.
• Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
• Earn 1X Mile on all other eligible purchases.
• $100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
• Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
• Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• No Foreign Transaction Fees.
• With Send & Split^®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards

Rewards Center

Delta SkyMiles Frequent Flyer Program

More Reads

• Find the 70k Welcome Bonus Offer for the Delta Gold Card
• Benefits of the Amex Delta Gold
• Amex Gold vs Delta Gold
• Do I Need To Pay With My Airline Credit Card To Get Free Checked Bags & Perks?
• Best Credit Cards for Delta Flyers
• Comparison of Amex Delta Credit Cards

Terms Apply / Rates & Fees

Delta SkyMiles^® Platinum American Express Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Learn More(at Amex's secure site)

Delta SkyMiles^® Platinum American Express Card

Frequent Delta travelers will enjoy this card's bonus categories, benefits, and ability to reach higher levels of elite status.

Welcome Offer

Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.

50,000 bonus miles

UP's Bonus Valuation*:

$600

Annual Fee

$250

APR

20.99%-29.99% 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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Delta SkyMiles^® Platinum American Express Card can be a great option for those seeking additional ways to obtain a higher level of status — or to maintain their current status — with the airline.

A key feature of this card is the ability to earn bonus Medallion Qualification Miles (MQMs) that are essential for earning Delta status. This could help you get closer to earning free flights and other valuable rewards.

Pros & Cons

Pros

• New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• 3x SkyMiles per $1 spent on Delta purchases
• 3x SkyMiles per $1 spent on purchases made directly with hotels
• 2x SkyMiles per $1 spent at restaurants and U.S. supermarkets
• 1x SkyMile per $1 spent on all other purchases
• Annual companion certificate
• Complimentary checked bags
• Global Entry or TSA PreCheck application fee statement credit
• 20% back on inflight purchases
• Delta Status Boost
• Discount on Delta Sky Club visits (Effective 1/1/24, this benefit will no longer be available)

Cons

• $250 annual fee (rates & fees)
• Does not earn transferable rewards

Card Highlights

• Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
• Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
• Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
• Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Earn 3X Miles on Delta purchases and purchases made directly with hotels.
• Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
• Earn 1X Miles on all other eligible purchases.
• Get access to Delta Sky Club^® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
• Fee Credit for Global Entry or TSA PreCheck^® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Earn 10,000 Medallion^® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
• No Foreign Transaction Fees.
• $250 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards

Rewards Center

Delta Air Lines SkyMiles

More Reads

• Find the 100K Welcome Bonus Offer for the Delta Platinum
• Benefits of the Amex Delta Platinum
• Amex Platinum vs Delta Platinum
• Amex Gold vs Delta Platinum
• How To Get Delta Medallion Status
• Best Credit Cards for Delta Flyers

BEST FOR DELTA LOUNGES

Terms Apply / Rates & Fees

Delta SkyMiles^® Reserve American Express Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More(at Amex's secure site)

Delta SkyMiles^® Reserve American Express Card

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Welcome Offer

Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.

60,000 miles

UP's Bonus Valuation*:

$720

Annual Fee

$550

APR

20.99%-29.99% 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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Delta SkyMiles^® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its lounge access, status boost, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros & Cons

Pros

• New: Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• 3x SkyMiles per $1 on Delta purchases
• 1x SkyMile per $1 on all other purchases
• Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Delta Status Boost
• Medallion Qualification Dollar (MQD) Waiver
• Annual Companion Certificate
• Access to Complimentary Upgrades and Upgrade Priority
• Free checked bags
• 20% back on inflight purchases
• Global Entry or TSA PreCheck application fee statement credit
• Travel and purchase protection

Cons

• $550 annual fee (rates and fees)
• No bonus categories other than Delta purchases

Card Highlights

• Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
• Enter Delta Sky Club^® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Enjoy complimentary access to The Centurion^® Lounge when you book a Delta flight with your Reserve Card.
• With Status Boost^®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
• Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• Receive a domestic First Class, Delta Comfort+^® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
• Fee Credit for Global Entry or TSA PreCheck^® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Enjoy your first checked bag free on Delta flights.
• Earn 3X Miles on Delta purchases.
• Earn 1X Mile on all other eligible purchases.
• No Foreign Transaction Fees.
• $550 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 20.99%-29.99% Variable
• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards

Rewards Center

Delta SkyMiles Airline Loyalty Program

More Reads

• How to Find the 100k Welcome Offer for the Delta Reserve Card [Current Public Offer is 60K]
• Benefits of the Amex Delta Reserve Card
• Amex Platinum vs Delta Reserve
• Comparison of Amex Delta Credit Cards
• Best Credit Cards for Delta Flyers
• How To Get Delta Medallion Status

Air France/KLM Flying Blue

In certain situations, it makes more sense to book Delta flights using Flying Blue miles instead of Delta’s own SkyMiles.

When we’re discussing flights to Central America, Delta’s Saver-level award tickets are also bookable with Flying Blue miles.

Flying Blue miles are generally easier to earn than Delta SkyMiles, but Flying Blue members can only access a small chunk of award availability, making it a bit more challenging to book award flights on Delta metal.

Delta SkyMiles charges lots of miles on select nonstop routes, even in the Saver award category. Get around this by redeeming Flying Blue miles on some of these great example routes:

• Atlanta (ATL) – Belize City (BZE) one-way in Delta first class for 38,000 Flying Blue miles + ~$6 in taxes and fees (Delta SkyMiles charges at least 54,000 miles for this ticket)
• Atlanta (ATL) – Liberia (LIR) one-way in Delta first class for 43,000 Flying Blue miles + ~$6 in taxes and fees (Delta SkyMiles charges at least 56,000 miles for this ticket)
• Minneapolis (MSP) – Belize City (BZE) one-way in Delta first class for 43,000 Flying Blue miles + ~$6 in taxes and fees (Delta SkyMiles charges at least 62,000 miles for this ticket)
• Minneapolis (MSP) – Liberia (LIR) one-way in Delta first class for 43,000 Flying Blue miles + ~$6 in taxes and fees (Delta SkyMiles charges at least 54,000 miles for this ticket)

Here’s how to book Delta tickets using Flying Blue miles:

1. Find Saver-level availability on Delta’s website.
2. Reproduce that search on Air France/KLM Flying Blue’s website.
3. After finding a Delta flight, redeem your Flying Blue miles and pay for the taxes and fees with a credit card.

Earning Air France/KLM Flying Blue Miles

Air France/KLM Flying Blue has transfer partnerships with all the major transferable currencies, including American Express Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Rewards, Capital One Miles, Brex Rewards, and Marriott Bonvoy.

Amex, Chase, Citi, Capital One, and Brex have the best transfer ratios of 1:1 — they also transfer instantly.

Marriott has a 3:1 ratio transfer ratio, and transfers take 3 business days. If you transfer 60,000 Marriott Bonvoy points to Flying Blue, you’ll get an extra bonus of 5,000 miles.

Flying Blue also has a co-branded credit card issued by Bank of America that earns miles directly.

Recommended Citi Cards

Citi Premier^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Learn More(at our partner's secure site)

Citi Premier^® Card

Frequent flyers will enjoy 3x ThankYou Points at restaurants, gas stations, supermarkets, air travel, and hotels.

Welcome Offer

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.

60,000 points

UP's Bonus Valuation*:

$960

Annual Fee

$95

APR

21.24% - 29.24% 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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

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 & Cons

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

Card Highlights

• 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

Card Categories

• Credit Card Reviews
• Travel Rewards Credit Cards
• Best Sign Up Bonuses

Rewards Center

Citi ThankYou Rewards

More Reads

• Benefits of the Citi Premier
• Authorized User Benefits of the Citi Premier
• Chase Sapphire Preferred Card vs. Citi Premier Card [Detailed Comparison]
• Best Citi Credit Cards
• Best Credit Card Sign Up Bonuses
• Best Travel Credit Cards
• Best Credit Cards for Groceries and Supermarkets
• Best Virtual Credit Cards

Citi Rewards+^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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 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.

Learn More(at our partner's secure site)

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.

Welcome Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com.

20,000 points

UP's Bonus Valuation*:

$320

Annual Fee

$0

APR

0% Intro APR on balance transfers for 15 months and on purchases. After that, the variable APR of 18.74% - 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 cardapplication.

Good to Excellent Credit Recommended (670-840)

Card Highlights

• 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

Card Categories

• Credit Card Reviews
• No Annual Fee Cards

More Reads

• Best Citi Credit Cards
• Citi Transfer Partners

Citi Double Cash^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at our partner's secure site)

Citi Double Cash^® Card

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

Annual Fee

$0

APR

19.24% - 29.24% 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 cardapplication.

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
• Lack of premium travel benefits

Card Highlights

• 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

• Credit Card Reviews
• Cash Back Credit Cards
• No Annual Fee Cards

Rewards Center

Citi ThankYou Rewards

More Reads

• Capital One Venture vs Citi Double Cash
• The 8 Best 2% Cash-back Credit Cards [2023]
• Best 0% Interest Credit Cards
• Best Citi Credit Cards
• Best Credit Cards for Bills and Utilities
• Best Everyday Credit Cards
• Citi Transfer Partners

Citi Custom Cash^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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, with no annual fee!

Learn More(at our partner's secure site)

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!

Welcome Offer

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.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%.

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 cardapplication.

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, 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 & 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
• 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

Card Highlights

• 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

• Credit Card Reviews
• Cash Back Credit Cards
• No Annual Fee Cards

More Reads

• Citi Custom Cash Card Launches [Earn 5% Back on Your Top Purchases]
• Best Citi Credit Cards

Air Canada Aeroplan

Air Canada Aeroplan is our go-to frequent flyer program for Star Alliance flights between the U.S. and Central America because it has plenty of transfer partners, some of the best redemption rates for economy and business class, and even permits one-way stopovers for an extra 5,000 points!

Not only can you book United flights with Aeroplan points, but you can also book Avianca and Copa Airlines flights.

Here’s the award chart for partner-operated flights:

Here are some great example redemptions you can make:

• Chicago (ORD) – San José (SJO) – Guatemala City (GUA) one-way in United and Avianca economy class with a stopover in San Jose for 17,500 Aeroplan points + ~$38 in taxes and fees
• Denver (DEN) – Panama City (PTY) one-way in Copa Airlines business class for 25,000 Aeroplan points + ~$38 in taxes and fees
• Houston (IAH) – Liberia (LIR) one-way in United business class for 20,000 Aeroplan points + ~$38 in taxes and fees
• Los Angeles (LAX) – Guatemala City (GUA) – San José (SJO) one-way in Avianca business class with a stopover in Guatemala City for 30,000 Aeroplan points + ~$38 in taxes and fees
• San Francisco (SFO) – Panama City (PTY) one-way in Copa Airlines business class for 35,000 Aeroplan points + ~$38 in taxes and fees
• Washington, D.C. (IAD) – San Salvador (SAL) – Panama City (PTY) one-way in Avianca business class and Copa Airlines business class with a stopover in San Salvador for 30,000 Aeroplan points + ~$38 in taxes and fees

Follow these steps to book your award ticket:

1. Find award availability on each segment on United.com (look for Saver availability).
2. Go to the Aeroplan homepage.
3. Click Sign In in the top-right corner and log into your Aeroplan account.
4. Re-enter the flight details from step 1 to reconfirm that you’re seeing the same flights.
5. Use your Aeroplan points and a credit card for taxes and fees.
   • If adding a stopover, you will need to call Aeroplan at 800-361-5373 to book your ticket.

Earning Air Canada Aeroplan Points

Earning lots of Aeroplan points is easier than ever.

Thanks to lucrative transfer partnerships with American Express Membership Rewards, Chase Ultimate Rewards, Capital One Miles, and Marriott Bonvoy, you’ll have many ways to rack up points.

Amex, Capital One, and Chase maintain 1:1 transfer ratios. Marriott Bonvoy is 3:1 with a 5,000 points bonus after transferring 60,000 Marriott Bonvoy points to Aeroplan.

Amex, Chase, and Capital One transfer instantly while Marriott Bonvoy takes 5 business days to transfer to Aeroplan.

United MileagePlus

The last frequent flyer program we’ll be looking at is United MileagePlus. United’s website is fantastic because it’s capable of showing virtually all of the available options you can book within the Star Alliance.

However, we generally recommend only using United to perform award searches; rarely do we recommend you to book your ticket using United miles.

But if you have a bunch of United miles or need to access award availability beyond partner-level Saver awards, the only way to book United flights with points is through United MileagePlus.

Sure, you’ll end up paying more miles for your flight, but you’ll get to adhere to the schedule/availability that fits your needs best.

In any case, you’ll avoid fuel surcharges, which is great news. Here’s how much award flights cost (remember, you’ll very rarely find premium cabin awards at that starting price):

Here are some great example flights you can book using United miles:

• Chicago (ORD) – Liberia (LIR) one-way in United business class from 32,200 United miles + ~$22 in taxes and fees
• Houston (IAH) – Coxen Hole (RTB) one-way in United business class from 32,600 United miles + ~$22 in taxes and fees
• Houston (IAH) – Panama City (PTY) one-way in United business class from 32,600 United miles + ~$7 in taxes and fees
• Los Angeles (LAX) – Belize City (BZE) one-way in United business class from 50,500 United miles + ~$22 in taxes and fees
• Newark (EWR) – Belize City (BZE) one-way in United business class from 40,400 United miles + ~$22 in taxes and fees
• Newark (EWR) – Panama City (PTY) one-way in United business class from 30,000 United miles + ~$7 in taxes and fees
• San Francisco (SFO) – Liberia (LIR) one-way in United business class from 30,000 United miles + ~$22 in taxes and fees

Follow these steps to book your United flight online with United MileagePlus:

1. Go to United.com.
2. On the homepage, fill out the search box and remember to check off the box that says Book with miles.
3. Perform the search, find a suitable award flight, and complete the reservation by redeeming United miles and paying for taxes and fees.

Earning United MileagePlus Miles

Earning United miles is easy. Currently, Chase Ultimate Rewards and Marriott Bonvoy are United MileagePlus transfer partners.

Chase transfers at a 1:1 ratio almost instantly, while Marriott Bonvoy transfers at a 3:1.1 ratio in 3 business days. Also, if you transfer 60,000 Marriott Bonvoy points to United, you’ll get a bonus of 5,500 miles.

You can also earn United miles through Chase’s co-branded credit cards.

Recommended United Cards

United℠ Explorer Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Learn More(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Welcome Offer

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

60,000 bonus miles

UP's Bonus Valuation*:

$720

Annual Fee

$95

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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros & Cons

Pros

• 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
• 1x mile per $1 on all other purchases
• First checked bag free for you and up to 1 traveling companion
• 25% statement credit on United inflight purchases
• Priority boarding
• Global Entry, TSA PreCheck, or NEXUS statement credit
• 2 United Club 1-time passes each year
• Premier upgrades on award tickets
• Travel and purchase protections

Cons

• $0 intro for the first year, then $95 annual fee
• Does not earn transferable rewards

Card Highlights

• Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
• $0 introductory annual fee for the first year, then $95.
• Earn 2 miles per $1 spent on dining, hotel stays, and United^® purchases
• Up to $100 Global Entry, TSA PreCheck^® or NEXUS fee credit
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
• Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
• Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards
• Travel Rewards Credit Cards

Rewards Center

United MileagePlus Frequent Flyer Program

More Reads

• Benefits of the United Explorer Card
• Best Credit Cards for Airport Lounge Access
• Best Chase United Credit Cards
• Best Credit Cards for Global Entry and TSA PreCheck

United Club℠ Infinite Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Learn More(at Chase's secure site)

United Club℠ Infinite Card

Perfect for frequent United flyers who want premium perks like United Club access and free baggage benefits.

Welcome Offer

Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

90,000 miles

UP's Bonus Valuation*:

$1,080

Annual Fee

$525

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 cardapplication.

Excellent (740-850)

Why We Like This Card

The United Club℠ Infinite Card is a premium card designed for the most dedicated of United frequent flyers who are looking for a card that provides the opportunity to earn extra United MileagePlus miles and receive lounge access via a yearly United Club membership.

United frequent flyers will find that the United Club Infinite card provides an enhanced experience on their United flights thanks to the money saved on each flight and the conveniences it provides.

Pros & Cons

Pros

• 4x miles per $1 on United purchases
• 2x miles per $1 on travel and dining purchases
• Complimentary United Club membership
• Free first and second checked bag for you and 1 traveling companion
• United Premier Access
• 25% back on United inflight purchases
• Complimentary Premier Upgrades on United-operated award tickets (when available)
• Expanded award availability
• Up to 8,000 Premier Qualifying Points
• $100 Global Entry/TSA PreCheck/NEXUS credit
• Trip protections like trip delay insurance, lost and delayed luggage insurance, and rental car insurance
• Shopping protections like return protection, purchase protection, and extended warranty protection
• $70 discount on CLEAR membership, plus 10,000 bonus miles
• IHG One Rewards Platinum Elite status and a $75 annual credit
• Avis President’s Club elite status
• 10% discount on United Economy Saver Awards within the continental U.S. and Canada

Cons

• $525 annual fee
• Does not earn transferable rewards

Card Highlights

• Earn 90,000 bonus miles after qualifying purchases
• Earn 4 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent on all other travel and dining
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and Premier Access^® travel services
• 10% United Economy Saver Award discount within the continental U.S. and Canada
• Earn up to 8,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards
• Best Sign Up Bonuses

More Reads

• Best Chase United Credit Cards
• Best Credit Cards for United Flyers
• United Club Lounge Locations
• New Benefits for United Club Infinite Card [IHG Elite Status, 10% Off Awards]

NEW OFFER

United Quest℠ Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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 United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Learn More(at Chase's secure site)

United Quest℠ Card

The United Quest card is a fantastic option for United flyers looking to earn more miles and enhance their flights.

Welcome Offer

Earn 70,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

70,000 miles

UP's Bonus Valuation*:

$840

Annual Fee

$250

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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The newest addition to United’s lineup of cards is the United Quest℠ Card. With it, you can bolster your United MileagePlus miles, thanks to the bonus categories, while enjoying the card’s many perks designed to help save you money on each United flight.

With an annual fee that falls between the United℠ Explorer Card and United Club℠ Infinite Card, the United Quest card makes for a fantastic card option for United frequent flyers.

Pros & Cons

Pros

• 3x miles per $1 on United purchases
• 2x miles per $1 spent on travel, dining, and select streaming services
• $125 annual United credit
• 2 5,000-mile anniversary award flight credits
• Free first and second checked bag for you and 1 traveling companion
• Priority boarding
• 25% back on United inflight purchases
• Complimentary Premier Upgrades on United-operated award tickets (when available)
• Expanded award availability
• Up to 3,000 Premier Qualifying Points
• Up to $100 Global Entry/TSA PreCheck/NEXUS credit
• Travel and shopping protections including trip delay insurance, lost/delayed luggage insurance, rental car insurance, purchase protection, and extended warranty protection

Cons

• Does not earn transferable rewards
• Does not offer airport lounge access
• $250 annual fee

Card Highlights

• Earn 70,000 bonus miles and 500 PQP after qualifying purchases
• Earn 3 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent on all other travel, dining and select streaming services
• Earn 1 mile per $1 spent on all other purchases
• Free first and second checked bags - a savings of up to $320 per roundtrip (terms apply) - and priority boarding
• Up to a $125 United^® purchase credit and up to 10,000 miles in award flight credits each year - terms apply
• Earn up to 6,000 Premier qualifying points (500 PQP for every $12K you spend on purchases)
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards
• Best Sign Up Bonuses

More Reads

• Best Chase United Credit Cards
• Best Credit Cards for United Flyers

NEW OFFER

United Gateway℠ Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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 United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Learn More(at Chase's secure site)

United Gateway℠ Card

The United Gateway card is a great option for those looking to earn more United miles without paying an annual fee.

Welcome Offer

Earn 30,000 bonus miles after you spend $1,000 on purchases in the first 3 months your account is open. Plus, 0% intro APR for 12 months from account opening on purchases. Learn more.

30,000 miles

UP's Bonus Valuation*:

$360

Annual Fee

$0

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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The United Gateway℠ Card is a great option for those looking to earn more United miles without wanting to pay a credit card annual fee. Plus, the card offers other solid benefits like a 25% back on United inflight purchases, purchase protection, and rental car insurance.

Pros & Cons

Pros

• 2x miles per $1 on United purchases
• 2x miles per $1 at gas stations and on local transit and commuting, including rideshare services, taxicabs, train tickets, tolls, and mass transit
• 1x mile per $1 on all other purchases
• No annual fee
• 25% back on inflight purchases
• No foreign transaction fees
• Trip cancellation and trip interruption insurance
• Rental car insurance
• Purchase protection
• Extended warranty coverage

Cons

• If you are a frequent United flyer, other cards offer more perks
• It does not earn transferable rewards

Card Highlights

• Earn 30,000 bonus miles
• No annual fee
• Earn 2 miles per $1 spent on United^® purchases, at gas stations and on local transit and commuting
• Earn 2 miles per $1 spent on United^® purchases
• Earn 2 miles per $1 spent at gas stations, on local transit and commuting
• Earn 1 mile per $1 spent on all other purchases
• 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Gateway Card
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Airline Credit Cards
• No Annual Fee Cards

More Reads

• Best Chase United Credit Cards
• Best Credit Cards for United Flyers
• Best No-Annual-Fee Credit Cards for Hotel & Airline Benefits

United Club℠ Business Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the in's and out's 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 United Club Business card is a great option for frequent United flyers looking for United Club access.

Learn More(at Chase's secure site)

United Club℠ Business Card

The United Club Business card is a great option for frequent United flyers looking for United Club access.

Welcome Offer

Earn 75,000 bonus miles after $5,000 on purchases in the first 3 months your account is open

75,000 miles

UP's Bonus Valuation*:

$900

Annual Fee

$450

APR

20.74%-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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The United Club℠ Business Card is a premium card option for dedicated United loyalists seeking a card that offers complimentary United Club access, helps them earn and retain status, and doesn’t skip on the benefits.

From free checked bags to upgrades on award tickets and the ability to earn Premier qualifying points, there is plenty to the United Club Business card that United flyers are sure to love.

Pros & Cons

Pros

• 2x miles per $1 spent on United purchases
• 1.5x miles per $1 spent on all other purchases
• Complimentary United Club membership
• Free checked bags
• Premier Access travel services
• Discount on inflight purchases
• Upgrades on award tickets
• No foreign transaction fees
• Employee cards at no additional cost
• Travel and purchase protections

Cons

• $450 annual fee
• Earning rate for United purchases is poor compared to other United cards

Card Highlights

• Earn 75,000 bonus miles after $5,000 on purchases in the first 3 months your account is open
• Earn 2x miles on United purchases
• Earn 1.5x miles on all other purchases
• Employee cards at no additional cost
• United Club membership — up to a $650 value per year. Relax in comfort while waiting for your flight with complimentary beverages, snacks, high-speed Wi-Fi, and more
• Free first and second checked bags for you and a companion, save up to $320 per round-trip
• 25% back on United inflight purchases
• No foreign transaction fees

Financial Snapshot

• APR: 20.74%-27.74% Variable
• Foreign Transaction Fees: $0

Card Categories

• Credit Card Reviews
• Airline Credit Cards
• Business Credit Cards

More Reads

• Best Chase Business Credit Cards
• Best Chase United Credit Cards
• Best Credit Cards for United Flyers
• Best Ways To Book United Polaris Business Class Using Points
• Best Ways To Earn United MileagePlus Miles
• Best Ways To Redeem 60,000 United Airlines Miles
• Best Ways To Redeem United MileagePlus Miles
• Best Ways to Earn 100k+ United MileagePlus Miles
• How To Get United Airlines Elite Status
• What Is United MileagePlus Elite Status Worth: Seating & Upgrades

Final Thoughts

There are many ways to fly between the U.S. and Central America using points and miles.

We’ve focused on major U.S. airlines in this guide, though Avianca and Copa Airlines also operate nonstop flights.

And with a dizzying network of routes, it can feel overwhelming to try to get the best deal with your points.

If you’re looking for a lie-flat business class opportunity, redeem Emirates miles on JetBlue Mint or Aeroplan points on Copa Airlines’ lie-flat business class (on Boeing 737 MAX planes only).

But know that regardless of how you plan on getting there, you have plenty of options for getting to Central America with minimal cash outlay.

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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