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

If you’re a travel enthusiast, then India might be high on your radar. With the second biggest population in the world, India is a melting pot — even inside the country, it seems like there are so many different cultures wherever you look!

India’s diverse languages, customs, music, architecture, and food draw travelers from all over the world. But unfortunately, India is not a particularly convenient destination from America. Let us explain.

Only 4 carriers operate flights from North America to India: Air Canada, Air India, American Airlines, and United Airlines. Air Canada only operates in Canada, while Air India, American, and United support the U.S.

In this guide, we’ll explore the best ways to fly to India with points and miles. Understandably, the first instinct is to look at Star Alliance frequent flyer programs, since 3 of the 4 aforementioned airlines belong to the same alliance.

We’ll focus here on nonstop flights to India but will also touch on some ways you can book 1-stop flights as well. There are a few sweet spots that exist with these 1-stop flights, though nonstops might be preferable for those who want to waste no time traveling around the giant country that is India!

Nonstop Flights Between North America and India

There are quite a few nonstop flight options between North America and India:

Air Canada

• Toronto (YYZ) – Delhi (DEL)
• Vancouver (YVR) – Delhi (DEL)

Air India

American Airlines

• New York (JFK) – Delhi (DEL)
• Seattle (SEA) – Bengaluru (BLR) (launch delayed from March 2022)

United Airlines

Best Airline Programs To Book Flights to India

Both Air India and American Airlines offer first class on their nonstop flights. However, Air India’s premium cabin products are notoriously bad, so we wouldn’t necessarily encourage flying with them unless you want some novelty.

If none of these options seem appetizing to you, you’ll have to take a connecting flight to expand your potential.

Most of your options for connecting flights are:

The list above is not meant to be exhaustive; there are simply too many routes that can emerge from 1-stop itineraries. However, we listed the notable airlines that can provide a comfortable, luxurious inflight experience.

Again, since you have so many options for flights, the key is to have a lot of the 5 major transferable rewards points: American Express transfer partners, Capital One transfer partners, Chase transfer partners, Citi transfer partner, and Marriott transfer partners.

As always, flexibility is key. India is known for fuel surcharges, so be wary of those also.

Let’s start by digging into your nonstop flight options. Then, we’ll examine some ways to construct 2-in-1 vacations utilizing routing rules and connecting flights!

Air Canada Aeroplan

Now that we’ve provided the background for options to India, let’s dig directly into booking options! We’re going to start with Air Canada Aeroplan.

We love Aeroplan because this program doesn’t pass on any fuel surcharges, has reasonable redemption rates based on flying distance, and allows you to add stopovers for just 5,000 points on one-way tickets!

For all Air Canada and partner flights, the one-way redemption costs will be according to the following distance-based award chart:

While the cost of redeeming awards with points is dependent on the distance you fly, you won’t pay for any fuel surcharges, no matter which carrier you choose to fly on.

One unique benefit of Aeroplan is that you can add a stopover, even on one-way flights, for 5,000 extra points!

If you decide to fly on Air Canada’s business class, you can depart from either Toronto (YYZ) or Vancouver (YVR) to Delhi (DEL). There are 2 United Airlines flights from Newark (EWR) that can get you to Mumbai (BOM) or Delhi (DEL).

Booking Air India provides a lot of options for departure airports: you can choose to fly from Chicago (ORD), New York (JFK), Newark (EWR), or San Francisco (SFO). Of course, its airline products are not very well-reviewed, so keep that in mind if you decide to fly on Air India.

For those interested in flying superior airline products and who don’t mind connecting flights, look into SWISS Air (through Zurich), Turkish Airlines (through Istanbul), Air China (through Beijing), or Singapore Airlines (through Singapore). You’ll have to connect in their hubs, but it might be worth it to fly a solid business class product.

And if you’re interested in flying on a top-notch first class product the whole way, check out Lufthansa first class!

Here are some great example routes you can take:

• Chicago (ORD) – Delhi (DEL) nonstop one-way for 85,000 miles plus ~$35 in taxes and fees in Air India business class
• Chicago (ORD) –  Toronto (YYZ) – Delhi (DEL) round-trip for 160,000 miles plus ~$300 in taxes and fees in Air Canada business class
• San Francisco (SFO) – Bengaluru (BLR) one-way for 100,000 miles plus ~$35 in taxes and fees in Air India business class
• San Francisco (SFO) – Delhi (DEL) nonstop one-way for 100,000 miles plus ~$35 in taxes and fees in United’s Polaris business class
• San Francisco (SFO) – Istanbul (IST) – Delhi (DEL) one-way for 100,000 miles plus ~$40 in taxes and fees in Turkish Airlines business class

We generally recommend searching for award availability via Aeroplan’s own website. Here’s how:

1. Visit Aeroplan’s website.
2. On the top right, click Sign in and enter your Aeroplan number and password.
3. On the resulting page, you’ll see a search box — fill in the desired trip type, destination and origination airports, travel dates, and number of passengers (be sure to toggle the button that says Points instead of US $).
4. Click Find.
5. Select your flight and pay for any taxes and fees.

Earning Aeroplan Points

It’s easy to earn Aeroplan points as Air Canada is a transfer partner with American Express Membership Rewards, Chase Ultimate Rewards, Capital One Miles, and Marriott Bonvoy.

Amex and Chase points, as well as Capital One miles, transfer to Aeroplan at a 1:1 ratio, but you can transfer 60,000 Marriott Bonvoy points to receive 20,000 Aeroplan points plus a 5,000-mile bonus. This brings the Marriott Bonvoy to Aeroplan ratio from 3:1 to 2.4:1.

Hot Tip: Chase has also recently launched the Aeroplan^® Credit Card, which earns up to 3 Aeroplan points per $1 on purchases. 

Amex has a number of personal and business cards that earn Membership Rewards points to choose from, making it easy to accumulate the necessary points.

Recommended Amex Cards (Personal)

Terms Apply / Rates & Fees

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.

This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

Learn More(at Amex's secure site)

The Platinum Card^® from American Express

This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.

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.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

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.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card^®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Terms Apply.

Financial Snapshot

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

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Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the 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 go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

American Express^® Gold Card

This is the go-to card for food lovers who dine out at restaurants and those who want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

60,000 points

UP's Bonus Valuation*:

$1,320

Annual Fee

$250

APR

See Pay Over Time APR

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is definitely 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 a number of 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 $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards^® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards^® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards^® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Financial Snapshot

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

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• Best Sign Up Bonuses

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If you’re a business owner, we would recommend taking a look at the numerous American Express business cards that earn Amex points, as well as come with numerous travel benefits.

Bottom Line: Aeroplan takes the top spot here because it gives you a variety of airlines you can fly for competitive redemption rates without paying fuel surcharges. You will also be allowed to add a stopover for just 5,000 miles to maximize your redemption value. It also partners with Amex, Capital One, Chase, and Marriott Bonvoy for transfers.

United Airlines MileagePlus

Here are 2 reasons we like United MileagePlus: very low to no fuel surcharges across the board and transfer partnerships with Chase Ultimate Rewards.

Getting to India can be a tall order; planning a trip to India without fuel surcharges can quickly become a logistical nightmare. Although United Airlines doesn’t maintain a fixed award chart, here are some base prices for one-way tickets if you’re redeeming United miles aboard United Airlines flights:

Here are base prices for how much it would cost to fly to India when redeeming United miles for partner-operated one-way flights, like on SWISS Air or Turkish Airlines:

Actually, United’s economy cost is very reasonable; it’s competitive with the best award costs for India.

The main draws of using this booking method are twofold: low surcharges with all partners, plus a transfer partnership with Chase Ultimate Rewards.

Here are a few great routes you can book using your United miles:

• Chicago (ORD) – Zurich (ZRH) – Bengaluru (BLR) one-way for 93,500 miles plus ~$23 in taxes and fees on SWISS and Vistara business class
• Newark (EWR) – Delhi (DEL) nonstop one-way for 75,000 miles plus $5.60 in taxes and fees in United Polaris business class
• San Francisco (SFO) – Delhi (DEL) nonstop one-way for 93,500 miles plus $5.60 in taxes and fees in Air India business class

Here’s how to book these awards:

1. Visit United’s website.
2. On the homepage, you will see a search box. In the search box, check off the box that says Book with miles.
3. Enter your search details and click Find flights.
4. Find a suitable flight option, redeem your United miles, and use a credit card to pay for taxes and fees.

Hot Tip: United Airlines makes award bookings very easy, even on Star Alliance partners. You can do everything online, your taxes and fees will be very low, and best of all the process is simple! 

Earning United Airlines MileagePlus Miles

You can earn United miles directly with the United co-branded credit card series.

You can also earn Chase Ultimate Rewards points that can then be transferred to United. In many cases, these cards will be the fastest way to earn lots of United miles.

Lastly, you have the option of boosting your United miles with Marriott Bonvoy points. For every 60,000 Marriott Bonvoy points you transfer to United, you’ll get 27,500 United miles!

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 miles

UP's Bonus Valuation*:

$720

Annual Fee

$95

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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 Club℠ with 2 one-time passes each year for your anniversary
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

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• Airline Credit Cards
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United MileagePlus Frequent Flyer Program

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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 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.

80,000 miles

UP's Bonus Valuation*:

$960

Annual Fee

$525

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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 80,000 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

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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 60,000 bonus miles and 500 Premier qualifying points after you spend $4,000 on purchases in the first 3 months your account is open.

60,000 miles

UP's Bonus Valuation*:

$720

Annual Fee

$250

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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 60,000 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 two 5,000-mile anniversary 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

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• Best Sign Up Bonuses

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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 20,000 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.

20,000 miles

UP's Bonus Valuation*:

$240

Annual Fee

$0

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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 20,000 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

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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

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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

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Bottom Line: United Airlines is an exceedingly simple program with minimal fuel surcharges, a simple booking process, and reasonable redemption rates. It’s also a Chase Ultimate Rewards transfer partner. If you have enough points, consider booking with United to minimize your out-of-pocket costs. 

Avianca LifeMiles

Avianca is a Star Alliance partner. If all you care about is being able to fly to India on Star Alliance airlines and you also have a lot of Citi ThankYou Points, Avianca is your best bet.

As noted above, you’ll have the choice of traveling nonstop on United, Air India, or Air Canada, though 1-stop flights open up lots of options.

The economy and business award costs are actually extremely reasonable. The other factor that puts Avianca LifeMiles near the top of our list is the fact that it doesn’t pass on any fuel surcharges, minimizing your out-of-pocket cost.

Here’s the award chart for the one-way flights we’re looking at:

Here are some example routes you can book with Avianca LifeMiles:

• Houston (IAH) – Newark (EWR) – Delhi (DEL) one-way for 156,000 miles plus ~$31 in taxes and fees in United Airlines Polaris class
• San Francisco (SFO) – Delhi (DEL) one-way for 156,000 miles plus ~$31 in taxes and fees in United Airlines Polaris class
• Toronto (YYZ) – Delhi (DEL) one-way for 156,000 plus ~$31 in taxes and fees in Air Canada business class

Hot Tip: Be aware that Avianca also tacks on a booking fee of its own on award flights. 

To book Star Alliance partners with LifeMiles, follow these steps:

1. Visit the Avianca website.
2. Click on LifeMiles in the bottom right corner of Avianca’s homepage.
3. Once you’re on the LifeMiles page, hover over Use and click on Airlines.
4. Enter your desired destination and travel dates and hit continue. The next screen shows availability and costs for those dates, as well as for 2 days before and after.
5. Select your flight.

Hot Tip: You won’t be paying any fuel surcharges by booking with LifeMiles. This is an awesome way to avoid fuel surcharges on long flights to India!

Earning Avianca LifeMiles

LifeMiles is a transfer partner of American Express Membership Rewards, Citi ThankYou Rewards, Capital One Miles, and Marriott Bonvoy.

You can earn LifeMiles miles directly by applying for the airline’s co-branded credit cards.

Another method to consider is purchasing LifeMiles. Avianca has periodic sales providing up to 200% bonus miles, so hold out for one of those before pulling the trigger.

Recommended Citi Card

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

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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

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• Authorized User Benefits of the Citi Premier
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• Best Credit Card Sign Up Bonuses
• Best Travel Credit Cards
• Best Credit Cards for Groceries and Supermarkets
• Best Virtual Credit Cards

Bottom Line: Avianca is a great way to book round-trip economy and business class flights to India as cheaply as possible, especially for those with lots of Citi ThankYou Points. The combination of low award costs and fuel surcharges makes this program a no-brainer. 

All Nippon Airways Mileage Club

We’re big fans of ANA, but unfortunately, ANA’s awesome redemption rates are somewhat muted by the fuel surcharges it imposes on routes to India (particularly nonstop flights). It’s also not possible to book one-way flights on Star Alliance flights with ANA; you’ll need to fly round-trip.

Still, it’s worth discussing if you are comfortable paying $600 to $800 in fuel surcharges in return for saving points.

If you fly on Air India, you will be paying every penny of those fuel surcharges. If flying on United or Air Canada, you won’t be responsible for most of the fuel surcharges.

You can book round-trip, connecting flights on ANA metal as follows:

ANA does not operate nonstop flights to India from North America. If you’re fine with that and want to fly in ANA business class, your redemption prices will be very reasonable. Just be cautious of the ~$400 to $500 in taxes and fees you’ll have to pay.

Here’s the round-trip award chart for Star Alliance flights we’re looking at:

As far as miles costs go, the economy and business class redemptions are extremely reasonable. Taxes and fees will most likely be the determining factor here, and they vary from carrier to carrier.

Hot Tip: If you are open to taking connecting flights, you’ll be able to experience business class products such as ANA, Air China, SWISS Air, or Turkish Airlines with little (or no) fuel surcharges. 

Here’s how to book awards with ANA miles:

1. Visit ANA’s website.
2. Choose ANA Mileage Club.
3. Choose International then Award Reservation.
4. Log into your account.
5. Enter your desired route and dates.
6. Choose your desired class of travel.
7. Choose your flights.
8. Reserve your flight and pay for any applicable taxes and fees.

Earning ANA Miles

ANA Mileage Club is a transfer partner with Amex Membership Rewards and Marriott Bonvoy.

Amex points transfer to ANA at a 1:1 ratio. There are a number of personal and business Amex credit cards to choose from that earn Membership Rewards points, making it easy to accumulate the necessary points.

You can also earn Marriott Bonvoy points and transfer those to ANA at a transfer rate of 3:1. For every 60,000 Marriott Bonvoy points that you transfer, you’ll receive an extra 5,000-mile bonus.

Recommended Marriott Bonvoy Cards

Marriott Bonvoy Bold^® Credit Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the 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 great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.

Marriott Bonvoy Bold^® Credit Card

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

Welcome Offer

Earn 30,000 Bonus Points after you spend $1,000 on eligible purchases within the first 3 months from account opening.

30,000 points

UP's Bonus Valuation*:

$210

Annual Fee

$0

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

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

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

Pros & Cons

Pros

• Up to 14x points per $1 on Marriott purchases
• 2x points per $1 on travel purchases
• 15 Elite Night Credits each year (automatically gives you Silver Elite status)
• No foreign transaction fees
• No annual fee

Cons

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

Card Highlights

• Earn 30,000 Bonus Points after you spend $1,000 on purchases in the first 3 months from account opening.
• Pay no annual fee with the Marriott Bonvoy Bold^® Credit Card from Chase^®!
• Earn up to 14X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Bold^® Card.
• 2X points for every $1 spent on other travel purchases (from airfare to taxis and trains).
• 1X point for every $1 spent on all other purchases.
• Receive 15 Elite Night Credits annually, qualifying you for Silver Elite Status. Restrictions apply.
• No Foreign Transaction Fees.
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

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

Rewards Center

Marriott Bonvoy

More Reads

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• Best Credit Cards for Marriott Loyalists
• Best Marriott Credit Cards

Marriott Bonvoy Boundless^® 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.

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

Marriott Bonvoy Boundless^® Credit Card

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

Welcome Offer

Earn 3 Free Nights after you spend $3,000 on eligible purchases (each night valued up to 50,000 points) within the first 3 months from account opening.

Up to 3 Free Nights

UP's Bonus Valuation*:

$1,050

Annual Fee

$95

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

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

Pros & Cons

Pros

• Earn big when you use your card at over 7,000 participating Marriott Bonvoy hotels
• New benefit to earn big at grocery stores, gas stations, and dining
• Automatic Silver Elite Status
• 1 Free Night Award each cardmember anniversary (up to 35,000 points)
• DoorDash DashPass subscription
• No foreign transaction fees

Cons

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

Card Highlights

• Earn 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
• Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
• Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
• 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
• Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy^® with the Marriott Bonvoy Boundless^® Card.
• Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
• No Foreign Transaction Fees.
• Member FDIC

Financial Snapshot

• Foreign Transaction Fees: None

Card Categories

• Credit Card Reviews
• Hotel Credit Cards

Rewards Center

Marriott Bonvoy

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Terms Apply / Rates & Fees

Marriott Bonvoy Bevy™ American Express^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the 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 Marriott Bonvoy Bevy card gives you automatic Marriott elite status and helps you earn more Marriott Bonvoy points on your everyday purchases.

Learn More(at Amex's secure site)

Marriott Bonvoy Bevy™ American Express^® Card

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

Welcome Offer

Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months.

125,000 points

UP's Bonus Valuation*:

$875

Annual Fee

$250

APR

20.99%-29.99% Variable

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

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

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy
• 4x points per $1 at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases per calendar year, then 2X points)
• 2x points per $1 on all other purchases
• Complimentary Marriott Bonvoy Gold Elite status
• 15 Elite Night Credits per year
• 1,000 bonus points per paid stay
• 1 Free Night Award (up to 50,000 points) when you spend $15,000 on the card in a year
• No foreign transaction fees (rates and fees)

Cons

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

Card Highlights

• Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership.
• Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
• Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
• Earn 2X points on all other eligible purchases.
• 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy^® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
• With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy^® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
• Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy^® points) at a hotel participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card^® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Plan It^® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
• $250 Annual Fee.
• Terms apply.

Financial Snapshot

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

Card Categories

• Credit Card Reviews
• Hotel Credit Cards

More Reads

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• Best Credit Cards for Marriott Loyalists
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Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating

The rating for this card has been determined by our own industry experts who know the 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 premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Learn More(at Amex's secure site)

Marriott Bonvoy Brilliant^® American Express^® Card

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

Welcome Offer

Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months.

Two 85K Free Night Awards

UP's Bonus Valuation*:

$1,190

Annual Fee

$650

APR

20.99%-29.99% Variable

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

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

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

• 6x points per $1 at hotels participating in Marriott Bonvoy program
• 3x points per $1 on flights booked directly with airlines and restaurants worldwide
• 2x points per $1 on all other purchases
• 25 Elite Night Credits each year
• Priority Pass Select membership upon enrollment
• Global Entry or TSA PreCheck application fee statement credit
• Annual Free Night Award after card renewal
• Complimentary Platinum Elite status

Cons

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

Card Highlights

• Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023.
• $300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.
• With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
• Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
• Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
• Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
• $100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
• Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
• Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy^® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
• Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
• No Foreign Transaction Fees on international purchases.
• With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• $650 Annual Fee.
• Terms Apply.

Financial Snapshot

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

Card Categories

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

Rewards Center

Marriott Bonvoy

More Reads

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Bottom Line: You’ll be able to book your Star Alliance flights at a reasonable cost of 80,000 miles round-trip in economy and 136,000 miles round-trip in business, though you may need to pay fuel surcharges (particularly on Air India). Normally, we would put ANA at the top of our list with its industry-leading business class sweet spots. But because of the fuel surcharges that can be passed on, we lowered the rank of ANA this time around.

Alaska Airlines Mileage Plan

There are a handful of ways you can fly to India using Alaska Airlines’ partners, but we’ll focus on luxury carriers Cathay Pacific and Japan Airlines (JAL) here.

Technically, you can fly on British Airways, Korean Air, or Finnair in addition to Cathay Pacific and JAL, but they’re generally not favorable due to either award costs or huge fuel surcharges.

Let’s dive into Cathay Pacific followed by JAL.

For 62,500 miles one-way in business class or 70,000 miles one-way in first class, you can fly on Cathay Pacific to India with a free stopover in Hong Kong.

Here’s the full award chart for Cathay Pacific one-way booked with Alaska Airlines miles:

It’s well known that Cathay Pacific is a sweet spot for redeeming Alaska miles.

As far as JAL goes, you’ll be able to fly in business for 65,000 Alaska miles one-way. See below for the complete award chart for one-way flights on JAL:

Here are some examples of great awards to India:

• Boston (BOS) – Hong Kong (HKG) – Delhi/Mumbai (DEL/BOM) round-trip for 140,000 miles + ~$19 in taxes and fees in Cathay Pacific first class and business class
• Chicago (ORD) – Hong Kong (HKG) – Delhi/Mumbai (DEL/BOM) one-way for 62,500 miles + ~$19 in taxes and fees in Cathay Pacific business class
• New York (JFK) – Tokyo (HND) – Delhi (DEL) one-way for 65,000 miles + ~$30 in taxes and fees for 22 total hours in Japan Airlines business class

Follow these instructions to use your Alaska miles to book JAL awards:

1. Go to Alaska’s website.
2. Search for your desired route (make sure you select Use Miles).
3. Select your desired flight and Add To Cart.
4. Login to your Alaska Mileage Plan account.
5. Pay the necessary taxes/fees and complete your JAL booking.

Hot Tip: Searching award availability for JAL is easy enough — you can do it on Alaska’s website. You will need to search the British Airways website for Cathay Pacific award availability and call Alaska to book. 

Earning Alaska Mileage Plan Miles

Although the main disadvantage of Alaska Airlines miles is the lack of transfer partners, you can transfer Marriott Bonvoy points and earn Alaska miles directly by applying for the Bank of America co-branded credit cards.

You can also purchase Alaska miles. You’re limited to 60,000 miles per transaction, but you can buy as many total miles as you want if you’re an elite member. Non-elite members are limited to 150,000 miles per year.

Alaska Airlines often offers discounts of up to 40% on purchased miles, so do look to buy miles at those times.

Bottom Line: If you have lots of Alaska miles or are capable of earning a ton of them, what better way to get to India than by flying on JAL? Otherwise, you can look into booking Cathay Pacific some awesome deals! You won’t be paying surcharges, which makes this method a no-brainer if you have a lot of Alaska miles.

American Airlines AAdvantage

American AAdvantage has a pretty simple award process. Although award prices on its own carrier-operated flights are dynamic and change with demand, you can find lower prices here on one-way flights than with Oneworld partners:

Meanwhile, all Saver-level, one-way Oneworld awards to India from the U.S. cost the same, as shown in the following table:

There are a few restrictions that American places on travel to the Indian Subcontinent:

“Transpacific travel to the Indian Subcontinent permitted via Hong Kong only. Travel for the transpacific sector to Hong Kong is permitted only on Cathay Pacific or American Airlines. Travel from Hong Kong to the Indian Subcontinent permitted on Cathay Pacific and SriLankan Airlines. Travel on other partners to the Indian Subcontinent is transatlantic only.”

This means that if you fly across the Pacific Ocean, you can only do it through Hong Kong, either on Cathay Pacific or American Airlines. Otherwise, you have to fly other partners across the Atlantic Ocean.

Here are some examples of great awards to India using AA miles:

• Los Angeles (LAX) – London (LHR) – Mumbai (BOM) round-trip for 140,000 miles + ~$160 in taxes and fees in American Airlines business class and British Airways business class
• New York (JFK) –  Delhi (DEL) nonstop one-way for 78,000 miles + ~$5.60 in taxes and fees in American Airlines Flagship First class
• San Francisco (SFO) – Hong Kong (HKG) – Chennai/Mumbai (MAA/BOM) round-trip for 140,000 miles + ~$160 in taxes and fees in Cathay Pacific business class

The best way to book using AA miles is by searching for award availability on British Airways and calling AA to book:

1. Visit British Airways and log in.
2. Select your route, travel dates, and class of service.
3. Note the flight number, date, and time.
4. Call American Airlines at 800-882-8880.
5. Ask them to search for first/business class award space on the desired airline (you might have to provide the flight number).
6. Provide all necessary info to complete the booking.

Hot Tip: Cathay Pacific might operate different planes on the same routes, which can result in less-than-desirable seating configurations. Be sure to check which airplane you’re flying before booking!

Earning American Airlines AAdvantage Miles

Earning AAdvantage miles is made easy by the variety of co-branded credit cards offered by both Barclays and Citibank.

If your AA miles are not enough, you can top off your balance with Marriott Bonvoy points at a 3:1 ratio. However, using them here is definitely not your best bet, and we wouldn’t recommend transferring from Marriott Bonvoy unless you have a specific redemption in mind. It can take up to 2 business days to transfer Marriott Bonvoy points to AA.

Bottom Line: AA wins a spot in this guide because of its ease of usage. Your best bets will be booking Cathay Pacific and American Airlines. You won’t pay fuel surcharges (unless you insist on flying BA or Iberia), and AA miles are easy to get through welcome bonuses. Remember to search for availability on BA.com and to make sure the airplane you’re flying is the best possible for your class of service (787 vs. A330 or A321). 

Air France/KLM Flying Blue

Generally speaking, SkyTeam awards are very expensive, and India isn’t necessarily a focus city for the SkyTeam airlines.

That being said, if flying on a specific SkyTeam airline such as Air France or China Airlines is high on your priority list, chances are you’re going to be booking with Air France/KLM Flying Blue.

As you might already know, Flying Blue took away its award chart and replaced it with a calculator and variable pricing. Generally speaking, the prices for round-trip awards from America will be somewhere around the following:

With this chart in mind, we definitely wouldn’t book first class (!) — that seems like a great way to throw away all your points.

You will almost always be responsible for paying for fuel surcharges in full, which is what makes this program even less valuable, with some notable exceptions.

Here are some example routes you can take to avoid $1,000+ in fuel surcharges:

• Los Angeles (LAX) – Shanghai (PVG) – Delhi (DEL) round-trip for 170,000 miles plus $20 in taxes and fees in Delta One Suites on the A350 and China Eastern business class on the A330
• New York (JFK) – Taipei (TPE) – Delhi (DEL) round-trip for 170,000 miles plus ~$250 to $300 in taxes and fees in China Airlines business class

Another added benefit is that Amex and Citi sometimes offer transfer bonuses of up to 35% to Flying Blue. This means that 170,000 miles will only cost ~125,926 points round-trip. This can help squeeze additional value from your points.

You can search for award availability through Air France/KLM and book awards completely online:

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

Hot Tip: Be careful of “phantom availability” for partners! Call Flying Blue and confirm availability before transferring your points! 

Don’t want to use your Flying Blue miles on a trip to India? Check out some other of the best ways to redeem Air France/KLM Flying Blue miles for max value.

Earning Air France/KLM Flying Blue Miles

Similar to Singapore Airlines, there are plenty of ways to earn lots of Flying Blue miles. It is, fortunately, a transfer partner with all of the 5 major points systems: Chase Ultimate Rewards, American Express Membership Rewards, Marriott Bonvoy, Capital One Miles, and Citi ThankYou Rewards.

Recommended Chase Cards (Personal)

Chase Sapphire Preferred^® 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.

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

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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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• Foreign Transaction Fees: None

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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.

Learn More(at Chase's secure site)

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

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

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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• Foreign Transaction Fees: None

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Chase Freedom Unlimited^®

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 all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited^®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Welcome Offer

Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back.

Additional 1.5% cash-back

Annual Fee

$0

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Unlimited^® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Don’t forget too, there’s 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• 5% back on travel purchased through Chase Ultimate Rewards
• 3% back on dining and drugstore purchases
• 1.5% back on all other purchases
• No annual fee
• Earn big on travel purchased through Chase Ultimate Rewards
• Everyday bonus on dining and drugstores
• Straightforward cash-back on all other purchases
• Ability to pool points

Cons

• 3% foreign transaction fee

Card Highlights

• INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
• Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards^®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
• After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards^®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited^® card
• Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

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• Foreign Transaction Fees: None

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Chase Freedom Flex℠

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 Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Chase Freedom Flex℠

The Freedom Flex card is an excellent no-annual-fee card that still earns big with 5% cash-back on travel and other bonus categories.

Welcome Offer

Earn a $200 bonus after you spend $500 on purchases in your first 3 months from account opening.

$200

Annual Fee

$0

Credit Recommended

Credit ranges are only a recommendation and a variation of FICO© Score. Issuers may use many types of credit scores when considering an application.

Good to Excellent (670-850)

Why We Like This Card

The Chase Freedom Flex℠ sure does pack quite a punch — especially for a no-annual-fee card.

The Freedom Flex card is an incredible option for those looking for a well-rounded cash-back card, or a powerful point-earner when paired with a premium card in the Ultimate Rewards family.

Pros & Cons

Pros

• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• Powerful cash-back earner: 5% back on quarterly categories and travel purchases through Chase Ultimate Rewards, 3% back on dining and drugstore purchases, and 1% back on all other purchases
• No annual fee
• Excellent cell phone insurance
• Ability to pool points
• Mastercard World Elite benefits

Cons

• 3% foreign transaction fees in U.S. dollars

Card Highlights

• Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
• 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
• 5% cash back on travel purchased through Chase Ultimate Rewards^®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more
• 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1% cash back on all other purchases.
• No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
• 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49%-29.24%.
• No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Flex℠ card
• Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
• Member FDIC

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• Foreign Transaction Fees: None

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Business owner? Check out our guide to the best Chase business cards.

Bottom Line: If you have your heart set on flying a SkyTeam partner to India, Air France will probably be your best bet. It is a transfer partner of every major points currency, there are minimal fuel surcharges when using the right airlines, and the booking process is pretty easy. 

Other Options To Fly to India

There are several other frequent flyer options to fly to India, including Japan Airlines, Cathay Pacific, Delta, Korean Air, or Singapore Airlines. We did not include these in our main analysis for one or more of the following reasons:

1. High fuel surcharges
2. High award redemption rates
3. Lack of transfer partners
4. Unattractive flights/subpar airline options

For example, Korean Air charges 170,000 miles for round-trip business class, but you’ll have to pay huge fuel surcharges. On top of that, Korean Air miles are hard to earn, due to its sole transfer partner being Marriott Bonvoy.

Final Thoughts

There are plenty of ways to fly to India with points and miles. Although your options for flying nonstop are limited to Air Canada, Air India, American, and United for U.S. or Canadian flights, you can construct some pretty cool itineraries if you have some flexibility. For example, you can fly on Cathay Pacific to stopover in Hong Kong with Alaska Airlines

Be sure to seriously consider adding stopovers in other countries to get the most bang for your buck.

There’s a lot of value to be had when flying to India, especially when you fly there with points and miles!

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Bold^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless^® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card^® from American Express, click here.
For rates and fees of the American Express^® Gold Card, click here.
For rates and fees of the Marriott Bonvoy Bevy™ American Express^® Card, click here.
For rates and fees of the Marriott Bonvoy Brilliant^® American Express^® card, click here.