Two standout transferable-points welcome offers

Our selection approach

These are two public U.S. offers worth comparing for travelers who want transferable rewards with a $95 annual fee. They are a practical shortlist, not a claim that either is best for everyone or that we have surveyed every targeted offer. Choose the card whose partners and spending requirement fit your plans.

Chase Sapphire Preferred: 75,000 bonus points

The public offer is 75,000 points after $5,000 in purchases within three months of account opening; the annual fee is $95. Chase says current cardholders are ineligible and prior ownership or bonuses may affect eligibility. Check the application terms for your circumstances. Allow time for the bonus to post after qualifying.

Sources: Check Sapphire Preferred’s current offer and apply with Chase

Capital One Venture: 75,000 miles plus a stays credit

The limited-time offer includes 75,000 miles after $4,000 in purchases within three months, plus a $300 first-year Capital One Travel Stays credit. The annual fee is $95. The credit applies to eligible hotel and vacation-rental bookings through Capital One Travel; it is not unrestricted cash or an airfare credit. It expires one year after account opening. A Venture or Venture X welcome bonus in the past 48 months makes you ineligible for this bonus under the published terms. No fixed offer end date was shown when checked.

Sources: Check Venture’s current offer and apply with Capital One

Which fits your budget?

The purchase thresholds average about $1,667 per month for Sapphire Preferred or $1,334 for Venture across three months. These are planning averages, not monthly deadlines; the issuer’s full qualifying window controls. If meeting a threshold would require unnecessary purchases, skip the offer. Value a booking credit only to the extent you would use it anyway.

What about American Express and Citi?

These are also transferable-points programs worth considering. We have not assigned a universal welcome-bonus amount to Amex Gold or Citi Strata Premier here because the pages reviewed did not show a complete, reliably verifiable offer for everyone. Open the issuer’s offer, check your displayed terms and compare it with the same spending-and-fee checklist.

Sources: Check your American Express Gold offer · Check your Citi Strata Premier offer

Compare the airline options before applying

Try Award Travel AI with the card profile and points balance you are considering. Treat a future bonus as a planning scenario until you earn it. An attractive card bonus does not ensure seats on your preferred flight, and different programs’ headline point totals are not automatically equal in travel value.