Card Planning
Start with a flight. Find useful points. Choose a card that fits your plan.
Compare researched award prices and the airline rewards programs that can book your trip.
Explore Award FlightsEnter your balances to see what your points could cover—and where you have a gap.
Use the OptimizerIdentify a useful airline rewards program before choosing a card. Our Destination Guides can help you find routes.
Keep several options open
Build a specific balance
Credit card disclosure: We may receive cash, points or other rewards if you apply for a credit card through links on this site and meet the referral or affiliate offer requirements. Disclosure details
Personal cards first, grouped by program; highest points bonus first within each group. Different points currencies are not equivalent. Business cards require an eligible business.
17 cards match your filters
Chase · Personal
100,000 points
$795 annual fee
Welcome bonus · Spend $6,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Referral offers may differ from the public bonus shown. Confirm the linked offer.
Chase · Personal
75,000 points
$95 annual fee
Welcome bonus · Spend $5,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Referral offers may differ from the public bonus shown. Confirm the linked offer.
Amex · Personal
As high as 175,000 points
$895 annual fee
Welcome bonus · Spend $12,000 in 6 months.
Offers vary; you may not be eligible for an offer.
Welcome bonus last confirmed Oct 17, 2026
Amex · Personal
As high as 100,000 points
$325 annual fee
Welcome bonus · Spend $8,000 in 6 months.
Offers vary; you may not be eligible for an offer.
Welcome bonus last confirmed Oct 17, 2026
Capital One · Personal
75,000 miles
$395 annual fee
Welcome bonus · Spend $4,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Referral offers may differ from the public bonus shown. Confirm the linked offer.
Capital One · Personal
75,000 miles
$95 annual fee
Welcome bonus · Spend $4,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Referral offers may differ from the public bonus shown. Confirm the linked offer.
Capital One · Personal
20,000 miles
$0 annual fee
Welcome bonus · Spend $500 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Citi · Personal
75,000 points
$595 annual fee
Welcome bonus · Spend $6,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Citi · Personal
60,000 points
$95 annual fee
Welcome bonus · Spend $4,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Bilt · Personal
50,000 points
$495 annual fee
Welcome bonus · Spend $4,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Referral offers may differ from the public bonus shown. Confirm the linked offer.
Wells Fargo · Personal
60,000 points
$95 annual fee
Welcome bonus · Spend $4,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Wells Fargo · Personal
20,000 points
$0 annual fee
Welcome bonus · Spend $1,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Chase · Business
200,000 points
$795 annual fee
Welcome bonus · Spend $30,000 in 6 months.
Welcome bonus last confirmed Oct 17, 2026
Chase · Business
100,000 points
$95 annual fee
Welcome bonus · Spend $8,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Amex · Business
As high as 200,000 points
$375 annual fee
Welcome bonus · Spend $15,000 in 3 months.
Offers vary; you may not be eligible for an offer.
Welcome bonus last confirmed Oct 17, 2026
Amex · Business
As high as 50,000 points
$0 annual fee
Welcome bonus · Spend $5,000 in 3 months.
Offers vary; you may not be eligible for an offer.
Welcome bonus last confirmed Oct 17, 2026
Capital One · Business
150,000 miles
$395 annual fee
Welcome bonus · Spend $30,000 in 3 months.
Welcome bonus last confirmed Oct 17, 2026
Cards listed in our bank and airline rewards program guides. Annual fees reviewed October 18, 2026; figures show ongoing fees before any first-year waiver. Linked issuer pricing and offer terms control.
Can you meet the bonus requirement without extra purchases?
Qualifying for a card does not always qualify you for its welcome bonus.
Count benefits you expect to use—not their advertised total value.
Interest can quickly outweigh the value of points.
Booking soon? A welcome bonus may arrive too late for a flight you want to book now.
These criteria help with application timing; meeting them does not guarantee approval or a welcome bonus. Published means issuer terms; Reported means observed practice, with exceptions.
Research reviewed October 18, 2026. No published threshold identified means we did not find one—not that no restriction exists.
| Issuer | Past 6 months / shorter windows | Past 12 months | Past 24 months |
|---|---|---|---|
| Chase | No published threshold identified. | No published threshold identified. | Reported: 5+ new personal cards across issuers often blocks approval (5/24). |
| American Express | Reported: at most 2 credit-card approvals per 90 days; generally excludes Pay Over Time cards. | No published threshold identified. | No published threshold identified. |
| Capital One | Reported: 1 approval per 6 months is a common pattern, with frequent exceptions. | No published threshold identified. | No published threshold identified. |
| Citi | Reported: more than 6 hard inquiries in 6 months can hurt approval odds; not a firm cutoff. | No published threshold identified. | No published threshold identified. |
| Bank of America | Reported: at most 2 new Bank of America consumer cards per rolling 2 months. | Reported: at most 3 Bank of America consumer cards; 3+ new accounts across banks may block approval (7+ with a deposit relationship). | Reported: at most 4 Bank of America consumer cards. |
| Wells Fargo | Published: you may not qualify if you opened a Wells Fargo-branded card in the last 6 months. | No published threshold identified. | Reported: more than 5 new personal cards across banks may reduce approval chances; exceptions reported. |
| Bilt / Cardless | No Bilt-specific published threshold identified. | No Bilt-specific published threshold identified. | No Bilt-specific published threshold identified. |
Count the right thing: a hard inquiry is not a newly opened account. Track inquiries, applications, account-opening dates and bonus dates separately; a denial can leave an inquiry without a new account.
Reported: about 2 Chase approvals per 30 days. Most business cards do not add to 5/24; authorized-user accounts may count initially.
Welcome bonus: Sapphire Preferred: prior ownership or a previous bonus may prevent another bonus. Do not assume an old 48-month waiting period restores eligibility.
Sapphire Preferred termsReported: generally 1 credit-card approval per 5 days. Limits and exceptions vary by card type.
Welcome bonus: Prior card ownership and related-card history can restrict offers. Read your specific offer and any eligibility notice before proceeding.
Amex offers and termsNo verified numerical hard-inquiry cutoff identified. Avoid treating the six-month pattern as a firm limit.
Welcome bonus: Published personal Venture terms: 48-month bonus restrictions vary by card. Venture can be blocked by a prior Venture or Venture X bonus; Venture X checks prior Venture X bonuses.
Capital One offer termsReported application spacing: 1 per 8 days; at most 2 per 65 days.
Welcome bonus: Published Strata terms exclude current or previous holders of the same card; Premier also includes prior Citi Premier ownership. Other cards have separate terms.
Citi Strata eligibility termsAccount-count rules are reported practices; enforcement varies. The 2/3/4 count is issuer-specific, unlike the separate 3/12 or 7/12 count.
Welcome bonus: Some cards restrict repeat applications or bonuses based on a 24-month history. Check the exact card terms.
Bank of America card termsSix-month wording is discretionary, not a guaranteed denial. No verified numerical hard-inquiry cutoff identified.
Welcome bonus: Published Autograph terms may exclude bonus eligibility if you currently hold it or opened it within 48 months, even if closed. Check Journey separately.
Autograph application termsDo not assume rules for other Cardless products apply to Bilt. Check the current Bilt application terms.
Welcome bonus: Palladium bonus spending excludes rent and mortgage payments. Check prior-account and offer eligibility in the application.
Bilt card and offer termsReported timing and inquiry practices: Frequent Miler’s issuer application guide and Upgraded Points’ bank rules overview. Confirm current issuer terms before applying.
Choose an airline rewards program, then combine eligible bank points to plan your balance. Enter the total miles needed for all travelers.
1 bank point = 1 airline miles
1 bank point = 1 airline miles
No direct transfer available
No direct transfer available
1 bank point = 1 airline miles
1 bank point = 1 airline miles
Existing airline miles
0
Miles from bank points
0
Total potential miles balance
0
80,000 more miles needed for your 80,000-mile goal.
Standard direct-transfer ratios; eligible cards and accounts required. Unsupported bank balances are excluded. Planned bonuses are not available balances. Excludes spending rewards, transfer bonuses, minimums, transfer increments and fees. Bank entries stay when you change programs; the existing airline balance resets.
Read the Iberia Club (Avios) guideCompare flights, review transfer partners and use the offer terms before applying.