Points transfer hub
The flexible-points playbook: pick a points ecosystem, get a card that earns it, then transfer those points to airline and hotel partners - where the real value is. Below is each transferable currency, the cards that earn it, a recommended starter card, and everywhere you can transfer.
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17 airlines · 6 hotels · 1 card earn it
Starter: Bilt Card (no annual fee)
All 1:1 (Accor 3:2).
16 airlines · 3 hotels · 6 cards earn it
Starter: Blue Business Plus (no annual fee)
Mostly 1:1 (Hilton 1:2).
16 airlines · 3 hotels · 5 cards earn it
Starter: VentureOne (no annual fee)
Mostly 1:1 (Accor 2:1).
14 airlines · 3 hotels · 2 cards earn it
Starter: Citi Strata Premier ($95/yr)
Premium cards transfer 1:1.
11 airlines · 3 hotels · 4 cards earn it
Starter: Sapphire Preferred ($95/yr)
All transfer 1:1, except World of Hyatt is 4:3 on Sapphire Preferred & Ink Business Preferred (see recent changes).
11 airlines · 3 hotels · 2 cards earn it
Starter: Amex Cobalt (CA$192/yr)
Canadian MR partner list differs from the US program. Mostly 1:1.
9 airlines · 2 hotels · 2 cards earn it
Starter: WF Autograph (no annual fee)
Airlines 1:1; hotels 1:2.
4 airlines · 0 hotels · 1 card earn it
Starter: RBC Avion Visa Infinite (CA$120/yr)
Smaller partner list than the big flexible currencies; also redeemable as Avion Rewards travel.