Last chance: Earn up to 150,000 miles with the Capital One Venture Business card's bonus

If you're a small-business owner who values straightforward earning and useful benefits, the Capital One Venture Business may be a strong addition to your wallet.

The Venture Business card launched with a high-value welcome bonus that could be used for your next trip — as long as you can meet its spending requirements. But note that now is your last chance to secure the launch bonus before it ends soon, on June 8.

Here's what to know about the current offer on this new card for small-business owners.

Capital One Venture Business current offer

Last chance for new Venture Business cardholders to earn up to 150,000 bonus miles: 75,000 miles after spending $7,500 on purchases in the first three months from account opening, plus an additional 75,000 bonus miles after spending $30,000 on purchases in the first six months from account opening. This offer ends June 8.

According to TPG's May 2026 valuations, these bonus miles are worth up to $2,775. Now is a great time to apply since the bonus ends soon. This is an excellent offer if your business can spend $30,000 in six months, though this could be a high threshold for many businesses to reach.

Venture Business card art
THE POINTS GUY

I maximize Capital One miles by transferring them to one of the issuer's 15-plus loyalty program partners. Some of my favorite Capital One partners include Air Canada Aeroplan, Air France-KLM Flying Blue, British Airways Club and Wyndham Rewards.

But you can also take the easy route with your miles by redeeming them at a fixed value of 1 cent per mile for bookings made through the Capital One Business Travel portal, as well as travel purchases made in the past 90 days, such as those with airlines, hotels, ride-hailing services and vacation rentals.

The card charges a $95 annual fee, which can be offset by leveraging its multiple credits.

You have to be eligible for a business card to be approved for the Venture Business.

Related: How to get a business credit card

Why you should apply for the Capital One Venture Business

There are several key benefits for Venture Business cardholders. Here are some of the highlights:

Travelers at an airport
HINTERHAUS PRODUCTIONS/GETTY IMAGES

Plus, cardholders will enjoy simple (yet valuable) earning rates when they use the card:

  • 5 miles per dollar spent on hotels, rental cars and vacation rentals booked through Capital One Business Travel
  • 2 miles per dollar spent on all other purchases

Business features include the ability to add free employee cards, set customized spending limits and receive year-end summaries. The card charges no foreign transaction fees.

Considering the Venture Business card's $95 annual fee, there are plenty of ways to recoup its value by maximizing credits and rewards.

Related: How long do Capital One miles transfers take?

Bottom line

If you're a business owner who values simple earning and finds value in the statement credits offered by the Venture Business, this could be a great addition to your wallet.

However, the card's high-value welcome offer comes with a high spending requirement to earn the full bonus. With so much value on the table, it's worth weighing how easily you can reach the bonus with your business spending.

Still, the card offers significant value for high-spending businesses and those who can easily offset the $95 annual fee with the card's statement credits.

If you're interested, now is the time to apply. This is your last chance to secure this bonus before it ends on June 8.


Learn more: Capital One Venture Business


Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold+ Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Southwest Priority Credit Card review: Valuable perks for frequent Southwest travelers

If you're a Southwest Airlines frequent flyer, the Southwest Rapid Rewards® Priority Credit Card (see rates and fees) may just be the perfect airline card for your wallet. The card offers perks like a Preferred seat at booking (when available), your first checked bag free and 7,500 bonus Southwest Rapid Rewards points every cardholder anniversary.

If you're able to maximize all its perks, it's easy to get outsize value out of the Southwest Priority. That said, those who only fly the carrier a couple of times each year will be better off with one of Southwest's more affordable cards. Card rating*: ⭐⭐⭐½

*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Southwest Priority Credit Card: The basics

The Southwest Priority charges a $229 annual fee in exchange for a number of Southwest-connected benefits. Notable perks include:

  • Access to a Preferred seat at booking (when available)
  • Your first checked bag free for you and up to eight additional passengers on the same reservation
  • 7,500 bonus points each cardholder anniversary, worth about $94 according to TPG's May 2026 valuations
  • Unlimited upgrades to extra-legroom seats within 48 hours of departure (when available)
  • 10,000 Companion Pass qualifying points boost each year
  • 2,500 tier qualifying points for every $5,000 spent
  • Priority boarding

In addition to these benefits, Southwest Priority cardholders can earn bonus points on Southwest purchases, as well as those made at restaurants and gas stations.

Southwest Priority Credit Card pros and cons

ProsCons
<ul> <li>Priority boarding</li> <li>Complimentary access to extra-legroom seats, when available</li> <li>Anniversary bonus points each year</li> <li>Elite status boost with spending</li> <li>Companion Pass qualifying points boost</li> <li>Free checked bags for you and eight companions</li> </ul><ul> <li>Has an annual fee</li> <li>Limited redemption opportunities</li> <li>Bonus category earnings could be stronger</li> </ul>

Southwest Priority Credit Card benefits

In an age when many credit cards use statement credits for a wide selection of merchants, it's nice to see the Southwest Priority keep its perks dialed in on its own airline. You won't need to break out a spreadsheet to ensure you're getting optimal value from your card, but you will need to fly often enough on Southwest to justify the Priority's $229 price tag.

Your first checked bag starts at $30 for interisland Hawaii travel and $45 for mainland U.S. travel, so it's possible to save quite a lot with this card's free first checked bag perk. Even if you travel solo, checking a bag five times on mainland U.S. flights will cover the entire annual fee.

Inside of a Southwest plane
On board a Southwest Airlines plane. SEAN CUDAHY/THE POINTS GUY

It's hard to place a dollar value on priority boarding and a Companion Pass qualifying points boost. If you're generally a solo traveler, the opportunity to get a Companion Pass likely won't be something you see much worth in. On the other hand, if you're close to netting that coveted perk, receiving an additional 10,000 qualifying points could justify the annual fee on its own.

Overall, the Southwest Priority offers a very solid set of benefits for the annual fee it charges, provided you fly with Southwest several times each year. Airlines design their top-shelf credit cards with loyalists in mind, and I'd say the Priority delivers here.

How to earn and use your rewards

The Southwest Priority earns Rapid Rewards points at the following rates:

  • 4 points per dollar spent on Southwest purchases
  • 2 points per dollar spent at gas stations and restaurants
  • 1 point per dollar spent on everything else

For the annual fee it charges, I'd like to see the Southwest Priority offer more points per dollar spent on flights. This card only earns 1 additional point per dollar spent on Southwest flights compared to the much cheaper Southwest Rapid Rewards® Premier Credit Card.

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

SOUTHWEST AIRLINES

While that's not a huge ding against the Priority, I believe it'd make a stronger case for itself if it offered 5 or even 6 points per dollar spent on Southwest flights. That would feel like a more meaningful step up from what the Premier earns.

That said, if you're a Southwest loyalist, this card is a great way to earn additional points for your flights. If you don't strictly fly with Southwest, your spending may be better off on a Chase Ultimate Rewards card like the Chase Sapphire Preferred® Card (see rates and fees) since Ultimate Rewards points can be transferred to a variety of airlines, including Southwest.

Where the Southwest Priority Credit Card falls short

If you're not someone who flies with Southwest at least several times each year, you'll struggle to get proper value out of the Southwest Priority. Its $229 annual fee can be offset with perks like free checked bags and a Companion Pass qualifying points boost, but this is only the case if you're committed to flying often with Southwest.

If you're someone who flies with this airline only a few times each year or less, you'll likely be better off with a cheaper Southwest card or an Ultimate Rewards card.

Southwest Priority vs. Southwest Premier

The Southwest Premier charges a more moderate $149 annual fee, making it a better fit for those who fly with Southwest two or three times each year. Like those with the Southwest Priority, as a Southwest Premier cardholder, you'll receive your first checked bag free for you and up to eight companions on the same reservation, 10,000 Companion Pass qualifying points each year, priority boarding and the ability to earn tier qualifying points through spending.

Southwest Airlines new boarding groups
LESLIE HARVEY FOR THE POINTS GUY

Unlike the Priority, the Premier offers access to Preferred seats within 48 hours of departure (when available), instead of at booking. You'll also receive 6,000 bonus points each year with the Premier versus 7,500 points as a Priority cardholder. The Premier also swaps gas for grocery stores in its bonus categories and places a spending cap of $8,000 per year on its grocery and restaurant categories.

If you're not a Southwest loyalist or you're a big Southwest fan who only travels a couple of times each year, the Southwest Premier is likely the better choice for you. If you expect to fly with Southwest more than three times in a year, consider the Southwest Priority instead.

To learn more, check out our comparison of the personal Southwest cards.

Is the Southwest Priority Credit Card worth it?

For Southwest devotees, the Southwest Priority card can be a big boost to their wallet. With a variety of perks to help frequent flyers justify its annual fee, the Priority can go a long way toward making your day-of-travel experience as smooth and enjoyable as possible.

That said, only Southwest's biggest fans will get maximum value out of this card. If you're an infrequent traveler or you fly on a variety of airlines, I recommend considering one of Southwest's cheaper cards instead.

When to apply for the Southwest Priority Credit Card

Right now, new Southwest Priority cardholders can earn 90,000 bonus points after spending $3,000 on purchases in the first three months from account opening.

According to TPG's valuations, those 90,000 bonus points are worth $1,125.

Southwest Airlines. TARAH CHIEFFI/THE POINTS GUY

It's important to note that you need to accrue 135,000 qualifying points to earn a Companion Pass on Southwest. When combining the points in this offer with the 10,000 qualifying points boost this card offers, you'll be roughly three-quarters of the way to that 135,000-point threshold.

This is an elevated offer for this card, so now is a good time to apply if you've been eyeing this card for a while. Just remember that Chase's 5/24 rule applies to all Southwest cards.

Other cards to consider if you don't want the Southwest Priority

If the Southwest Priority isn't worth a spot in your wallet, here are a few other cards to consider instead:

For additional options, check out our picks for the best airline and travel cards.

Bottom line

For the right Southwest fan, the Southwest Priority can be a big bonus for your wallet. It offers a lot of valuable perks, including your first checked bag free, priority boarding and a boost toward the beloved Companion Pass.

When determining which Southwest card is right for you, consider how often you fly with the airline, whether you usually travel solo and how frequently you check a bag. Provided you can make this card's annual fee work for you, it's a card I recommend.


Apply here: Southwest Rapid Rewards Priority Credit Card


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Ultimate guide to the Hilton Honors loyalty program

Hilton Honors is one of the largest hotel loyalty programs, with over 9,000 participating properties across 25 brands. I appreciate that the program offers excellent opportunities to earn Hilton points, valuable cobranded credit cards and multiple pathways to secure elite status.

Although Hilton Honors isn't my primary hotel loyalty program, I maintain Hilton elite status through a cobranded credit card and stay at Hilton properties at least quarterly to maximize my Hilton statement credit available through The Business Platinum Card® from American Express (enrollment is required; separate Hilton for Business enrollment is also required).

So, whether you stay at Hilton properties weekly or annually, here's what you should know about the Hilton Honors program.

What is Hilton Honors?

Hilton Honors is the hotel loyalty program for Hilton hotels and resorts. It provides benefits and earnings on eligible stays at 25 Hilton brands, from full-service luxury brands like Waldorf Astoria and Conrad to select-service brands like Hilton Garden Inn and Hampton by Hilton. The Hilton Honors program also offers various ways to earn and redeem Hilton points, including many options beyond hotel stays.

Waldorf Astoria Los Cabos Pedregal in Mexico. CARLY HELFAND/THE POINTS GUY

When you book directly with Hilton, you'll earn points and benefits based on your membership tier. For the rest of this article, I'll assume you book through Hilton (not an online travel agency or other method) when discussing benefits and earnings.

Related: The 22 best Hilton hotels in the world

Hilton Honors membership tiers

You'll progress up the Hilton Honors membership tiers as you stay at Hilton properties each calendar year. Once you've earned a specific membership tier, you'll enjoy its benefits for the rest of the calendar year in which you earned it, as well as the entire next calendar year. You can also snag Hilton Honors elite status through a status match or as a cardmember of select American Express cards.

Hilton Honors member

Once you join the Hilton Honors program, you'll be a member. The primary benefits of being a Hilton Honors member are:

  • Access to book the Hilton Honors discount rate
  • Waived resort fees when you pay for your stay using solely points or a promotional free night reward
  • The ability to choose your room from available rooms up to 24 hours before check-in
  • The ability to earn points on stays

It's free to join the Hilton Honors program, so you might as well join now if you aren't already a member.

Hilton Honors Silver

You'll earn Hilton Honors Silver status after you stay four times, stay for 10 nights or spend $2,500 in a calendar year. Eligible spending includes room rates (excluding taxes) and charges billed to your room (such as spa, dining and other incidental charges) from bookings made directly with Hilton or approved channels.

Conrad Tokyo. CLINT HENDERSON/THE POINTS GUY

The primary benefits of Hilton Silver status include:

  • A 20% bonus on base points earned through stays
  • Two complimentary bottles of water per stay at select hotels
  • A fifth night free on standard reward stays of five consecutive nights or more (up to four free nights per stay, and only when you book solely with points)

You'll also enjoy Hilton Silver status as a cardmember benefit of the Hilton Honors American Express Card.

Hilton Honors Gold

You'll earn Hilton Honors Gold status after you stay 15 times, stay for 25 nights or spend $6,000 in a calendar year. The primary benefits of Hilton Gold status include:

  • An 80% bonus on base points earned through stays
  • A choice of a My Way on-property benefit on each stay (which may include the option to select a daily food-and-beverage credit or continental breakfast)
  • Space-available room upgrades to preferred rooms (including up to executive floor room types) at select brands and properties

You'll also get Hilton Gold status as a cardmember benefit of the Hilton Honors American Express Surpass® Card, The Hilton Honors American Express Business Card, the American Express Platinum Card® and The Business Platinum Card from American Express (enrollment may be required). You can also earn Gold status through the end of the next calendar year if you spend $20,000 on eligible purchases on the Hilton Honors American Express Card within a calendar year.

Related: Your complete guide to breakfast benefits at Hilton Honors hotels

Hilton Honors Diamond

You'll earn Hilton Honors™ Diamond status after you stay 25 times, stay for 50 nights or spend $11,500 in a calendar year. The primary benefits of Hilton Diamond status include:

  • A 100% bonus on base points earned through stays
  • Executive lounge access when available
  • Premium Wi-Fi access during stays at select brands
  • Space-available room upgrades to preferred rooms (including up to junior, standard or one-bedroom suites) at select brands and properties

You can also obtain Hilton Diamond status as a cardmember benefit of the Hilton Honors American Express Aspire Card. Cardmembers of the Hilton Honors American Express Surpass Card or The Hilton Honors American Express Business Card can also earn Diamond status through the end of the next calendar year if they spend $40,000 on eligible purchases on their card in a calendar year.

Room at the Hilton Niseko Village in Japan
Hilton Niseko Village in Japan. KATIE GENTER/THE POINTS GUY

You'll secure lifetime Hilton Diamond status once you've earned Hilton Diamond status for 10 years (the years don't need to be consecutive) and either stay 1,000 nights (paid and reward nights count) or spend $200,000 across your account's lifetime.

Hilton Honors Diamond Reserve

You'll earn Hilton Honors Diamond Reserve status after you stay 40 times or 80 nights and spend $18,000 in a calendar year. The primary benefits of Hilton Diamond Reserve status include:

  • A 120% bonus on base points earned through stays
  • 4 p.m. guaranteed late checkout
  • Premium club access, including access to the expanding collection of premium clubs
  • A confirmable upgrade reward, which lets you confirm a premium room upgrade (up to a suite) at the time of booking for a stay of up to seven nights

Related: Elite status battle: What happened when we tested Hilton's new Diamond Reserve versus Diamond status

Hilton status match and challenge

Hilton Honors usually offers a status match and challenge to select elite members of other hotel loyalty programs. To request a Hilton Honors status match, you must submit proof of your status in another program via an online form.

If Hilton approves your request, you'll get Hilton Gold status for 90 days. You can keep Gold status through March 31, 2028, if you stay for six nights during your 90-day trial period. Meanwhile, if you stay 12 nights within your 90-day trial period, Hilton will upgrade you to Diamond status through March 31, 2028.

Related: Complete guide to airline status matches and challenges

Milestone bonuses and status gifts

Hilton offers its members several additional benefits based on the number of eligible nights they stay each calendar year.

Once you stay 40 eligible nights in a calendar year, you'll get 10,000 bonus points. You'll then earn an additional 10,000 bonus points for every additional 10 eligible nights (up to 180) in a calendar year.

Plus, you'll earn an additional 30,000 bonus points once you stay 60 eligible nights in a calendar year. And once you stay 120 eligible nights in a calendar year, you can choose a confirmable upgrade reward or 30,000 bonus points.

hotel exterior
Embassy Suites by Hilton Orlando Sunset Walk. TARAH CHIEFFI/THE POINTS GUY

If you stay 60 eligible nights in a calendar year, you can gift Hilton Gold status to another member. But if you stay 100 eligible nights in a calendar year, you can gift Hilton Diamond status to another member. However, you can only gift status to one other member per year.

How to earn Hilton points

As you interact with the Hilton Honors program, you'll learn many ways to earn points. For a detailed discussion, I highly recommend checking out our guide on earning Hilton points, but here's a quick overview of your options.

Hotel stays

One of the easiest ways to earn Hilton points is through hotel stays. On eligible stays, you'll usually earn as follows on charges to your folio from up to four rooms:

  • 3 points per dollar spent at LivSmart Studios properties
  • 5 points per dollar spent at Home2 Suites, Homewood Suites, Spark, Tru and Apartment Collection properties
  • 10 points per dollar spent at other Hilton brands
Graduate Hotel Princeton guest room
Graduate by Hilton Princeton in New Jersey. ERIC ROSEN/THE POINTS GUY

Of course, as I mentioned above, you'll earn additional bonus points on stays if you have Hilton elite status. Plus, you may earn bonus points through current Hilton promotions.

Related: 8 best Hilton all-inclusive resorts

Hilton credit cards

Hilton Amex cards are also a great way to earn points. Here's a look at the earning rates, welcome offers and annual fees on some of our favorite Hilton credit cards.

CardWelcome offerEarning ratesAnnual fee
<a href="https://ift.tt/StlD73u" target="_blank">Hilton Honors American Express Aspire Card</a>Earn 175,000 bonus points after spending $6,000 on purchases in the first six months of card membership.<ul> <li>14 points per dollar spent on eligible purchases made directly with hotels and resorts in the Hilton portfolio</li> <li>7 points per dollar spent on select travel, including flights booked directly with airlines or amextravel.com and car rentals booked directly with select car rental companies</li> <li>7 points per dollar spent on dining at U.S. restaurants, including takeout and delivery</li> <li>3 points per dollar spent on other eligible purchases</li> </ul>$550 (see <a href="/tc/7559?pid=7559&amp;name=Hilton%20Honors%20American%20Express%20Aspire%20Card&amp;data-testid=ratesFees" target="_blank">rates and fees</a>)
<a href="https://ift.tt/Whv3D6U" target="_blank">Hilton Honors American Express Surpass Card</a>Earn 130,000 bonus points after spending $3,000 on purchases in the first six months of card membership.<ul> <li>12 points per dollar spent on eligible purchases made directly with hotels and resorts in the Hilton portfolio</li> <li>6 points per dollar spent on dining at U.S. restaurants, including takeout and delivery; groceries at U.S. supermarkets; and gas at U.S. gas stations</li> <li>4 points per dollar spent on U.S. online retail purchases</li> <li>3 points per dollar spent on other eligible purchases</li> </ul>$0 introductory annual fee for the first year, then $150 (see <a href="/tc/220312354?pid=220312354&amp;name=Hilton%20Honors%20American%20Express%20Surpass%C2%AE%20Card&amp;data-testid=ratesFees" target="_blank">rates and fees</a>)
<a href="https://ift.tt/KIYTdvz" target="_blank">The Hilton Honors American Express Business Card</a>Earn 130,000 bonus points after spending $8,000 on purchases in the first six months of card membership.<ul> <li>12 points per dollar spent on eligible purchases made directly with hotels and resorts within the Hilton portfolio</li> <li>5 points per dollar spent on other eligible purchases (on the first $100,000 in purchases per calendar year, then 3 points per dollar thereafter)</li> </ul>$0 introductory annual fee for the first year, then $195 (see <a href="/tc/6727?pid=6727&amp;name=The%20Hilton%20Honors%20American%20Express%20Business%20Card&amp;data-testid=ratesFees" target="_blank">rates and fees</a>)
<a href="https://ift.tt/APMXwoR" target="_blank">Hilton Honors American Express Card</a>Earn 100,000 bonus points and a $100 statement credit after spending $2,000 on purchases in the first six months of card membership.<ul> <li>7 points per dollar spent on eligible purchases made directly with hotels and resorts in the Hilton portfolio</li> <li>5 points per dollar spent on dining at U.S. restaurants, including takeout and delivery; groceries at U.S. supermarkets; and gas at U.S. gas stations</li> <li>3 points per dollar spent on other eligible purchases</li> </ul>No annual fee (see <a href="/tc/220311078?pid=220311078&amp;name=Hilton%20Honors%20American%20Express%20Card&amp;data-testid=ratesFees" target="_blank">rates and fees</a>)

I have the Hilton Aspire Card and find it offers far more value than its annual fee since I maximize its benefits. Plus, earning 14 points per dollar spent on purchases at Hilton properties is unbeatable. But if you don't maximize the annual free night reward and don't fully use the up to $400 Hilton resort statement credit (up to $200 statement credits semiannually) each year, the Hilton Aspire may not be the right card for you.

Related: Hilton Surpass vs. Hilton Aspire: Do you want Gold or Diamond status?

Transfer rewards to Hilton

You can also earn points by transferring rewards to Hilton Honors. Specifically, you can transfer American Express Membership Rewards points to Hilton Honors at a 1:2 ratio, meaning 1,000 Amex points could become 2,000 Hilton points. You can also transfer Bilt Points to Hilton Honors at a 1:1 ratio.

You can usually get more value by transferring these points to other loyalty programs, so I wouldn't transfer my Amex or Bilt points to Hilton Honors. But even if you plan to transfer Amex or Bilt points to Hilton, waiting until you're ready to book your stay is usually a good idea.

Related: How (and why) you should earn transferable credit card points

Hilton partners

You can earn Hilton points when shopping or interacting with several partners. For example, you can earn points on eligible Alamo, Enterprise and National car rentals. You can also earn extra points at participating restaurants through the Hilton Honors Dining program. Additionally, you can opt in to earn Hilton points on Lyft rides.

Hilton Honors event planner program

Hilton Honors members can earn 2 points per dollar spent on guest rooms, meeting rooms and more (on up to $100,000 spent) through the Hilton Honors event planner program when holding a qualifying event at a participating Hilton property.

Buy Hilton points

Finally, you can buy Hilton points to boost your account balance. TPG's May 2026 valuations peg the value of Hilton points at 0.4 cents per point, and during the best sales, you can buy Hilton points for around 0.5 cents each. So, you'll usually only want to buy Hilton points when doing so lets you book a high-value redemption.

How to redeem Hilton points

Just as there are many ways to earn Hilton points, there are plenty of ways to redeem your points. Check out our guide on redeeming Hilton points for all the details, including some low-value redemption options that I won't discuss here. Here's an overview of the best ways to redeem Hilton points.

Free night awards

Hilton Honors doesn't publish an award chart and uses dynamic award pricing. However, there seems to be an unpublished award pricing cap for each property. These unpublished caps have increased, and are likely to continue to increase, without notice. However, standard award nights currently top out at 250,000 points, even at the most luxurious properties.

If you want a good deal, consider using the Points Explorer tool to see point ranges at various properties over the next 30 days.

Hilton Points Explorer
HILTON

Likewise, you can see monthly award pricing for a specific property by selecting "Shop by price" instead of stay dates.

Hilton award calendar
HILTON

To get the best value when redeeming Hilton points, book an award stay for a standard room for five, 10, 15 or 20 nights. Assuming you have Hilton Silver status or higher, you'll get every fifth night free when redeeming points for a stay of five nights or longer.

Redeem Hilton points with a fifth night free
HILTON

Check TPG's current valuations and try to get at least our valuation of Hilton points on your redemption. Although you can redeem Hilton points for premium rooms, doing so will usually not provide good value.

Related: 6 ways to maximize Hilton Honors redemptions

Points & Money rewards

You might want to book a Points & Money reward if you run short on points. This booking method lets you redeem any combination of points and cash for a stay. For example, click through a few combinations for a stay that would otherwise cost 60,000 points or $236.

Hilton Points & Money example
HILTON

You'll earn points on the money portion of Points & Money rewards stays at participating hotels.

Pool or transfer Hilton points

Hilton Honors is generous in allowing its members to pool and transfer points at no cost.

You can pool or transfer points in increments of 1,000 points up to 500,000. Each Hilton Honors member can send up to 500,000 points and receive up to 2 million points via combined pooling and transfer transactions each calendar year. However, each member can only make up to six transfers to other accounts and up to six points pooling transactions each calendar year.

Waldorf Astoria Costa Rica Punta Cacique. CARLY HELFAND/THE POINTS GUY

Finally, new Hilton Honors members can only pool, transfer or receive points 30 or more days after enrollment if they have account activity. Otherwise, they must wait at least 90 days after enrollment before pooling, transferring or receiving points without account activity.

Hilton Honors Experiences

Redeeming points for Hilton Honors Experiences has offered me strong value in the past. As such, I periodically check to see whether any experiences are appealing in my upcoming destinations.

Hilton Honors Experiences
HILTON HONORS

Be sure to check the paid rates, when available, before booking to determine whether redeeming points for the experience will provide good value.

Bottom line

The Hilton Honors program offers easy-to-earn status via its credit cards and ample opportunities to earn many points. However, getting good value when redeeming Hilton points can be difficult, and many elite benefits are subject to availability and vary significantly by property. As such, you may have some wonderful stays as a high-tier elite member, but you may also have some stays where elite status doesn't provide many incremental perks.

For rates and fees of the Hilton Honors Amex, click here.
For rates and fees of the Hilton Amex Aspire, click here.
For rates and fees of the Hilton Surpass, click here.
For rates and fees of the Hilton Business Amex, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Southwest Rapid Rewards Plus review: Practical perks for a modest annual fee

The Southwest Rapid Rewards® Plus Credit Card (see rates and fees) is Southwest's most affordable personal cobranded credit card, offering practical Southwest-specific perks like a free checked bag, anniversary bonus points and preferred boarding for a modest $99 annual fee.

However, loyal Southwest flyers may get more long-term value from one of the airline's higher-tier cards, which offer richer benefits and stronger earning rates. Card rating*: ⭐⭐⭐

*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.

Southwest Rapid Rewards Plus: The basics

If you're looking for an entry-level Southwest credit card, the Southwest Plus card offers a straightforward mix of airline perks and ongoing value at a relatively low annual fee.

Here's what you need to know:

  • Annual fee: $99
  • Welcome offer: Earn 80,000 bonus points after spending $1,000 on purchases in the first three months from account opening.
  • Best for: Southwest travelers seeking airline perks for a low annual fee
  • Rewards structure: Bonus points on Southwest purchases plus select everyday and travel categories
  • Key benefits: First checked bag free, free standard seat selection (within 48 hours of departure), Group 5 boarding and anniversary bonus points
  • Rewards currency: Southwest Rapid Rewards points, best redeemed for Southwest flights
SEAN CUDAHY/THE POINTS GUY

We generally recommend a credit score of 670 or higher to improve your approval odds.

Southwest Rapid Rewards Plus pros and cons

ProsCons
<ul> <li>Free first checked bag</li> <li>Baggage delay insurance</li> <li>Bonus points each year after your cardmember anniversary</li> <li>Extended warranty and purchase protection</li> <li>No foreign transaction fees</li> </ul><ul> <li>Has an annual fee</li> <li>Fewer Southwest perks than higher-tier cards</li> <li>Limited value outside the Southwest ecosystem</li> </ul>

Southwest Rapid Rewards Plus key benefits

The Southwest Rapid Rewards Plus includes several practical Southwest perks that can help offset the annual fee if you fly the airline a few times per year.

Southwest travel perks

Cardholders receive several Southwest-specific benefits, including:

  • Free first checked bag (for themselves and up to eight passengers traveling on the same reservation)
  • Group 5 priority boarding (for the cardholder and eligible companions)
  • Free standard seat selection (within 48 hours of departure)
  • One annual 10% flight discount code each anniversary year (excluding Basic fares)
  • 25% back on inflight drinks and Wi-Fi purchases

Southwest checked bags typically cost $35 per bag each way, meaning that by checking a bag on three flights per year, you'd already offset the card's $99 annual fee. I also think the free first checked bag is one of the card's most valuable ongoing perks now that Southwest charges for checked bags.

Southwest currently has eight boarding groups, so Group 5 falls near the middle of the boarding process.

Mid adult couple hailing for a taxi at airport
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Now that Southwest charges for seat selection, choosing standard seats for free could help cardholders save money on future flights.

For benefits like the free first checked bag, Group 5 boarding and standard seat selection, cardholders generally only need to attach their Rapid Rewards number to the reservation (and keep their card account open and in good standing). However, the 25% inflight savings benefit requires payment with the card.

Anniversary and Companion Pass boosts

Beyond the travel perks, the card also offers ongoing value through Southwest's loyalty program.

Cardholders receive 3,000 anniversary bonus points each year after account renewal and an annual boost of 10,000 Companion Pass qualifying points.

I like that these perks provide value beyond the first year, especially for travelers working toward the Companion Pass.

Travel and shopping protections

While this isn't a premium travel card, the Southwest Rapid Rewards Plus still includes a solid set of protections:

These benefits can provide meaningful value if something goes wrong during your trip or after a purchase.

How to earn and use your rewards

The Southwest Rapid Rewards Plus keeps things relatively simple when it comes to earning and redeeming Rapid Rewards points.

Earning Rapid Rewards points

With the Southwest Rapid Rewards Plus, you'll earn:

  • 2 points per dollar spent on Southwest purchases
  • 2 points per dollar spent at gas stations and grocery stores (on the first $5,000 in combined purchases annually)
  • 1 point per dollar spent on all other purchases
Happy young African American man refueling his car the gas station.
DJELICS/GETTY IMAGES

I think this card's rewards structure works best for Southwest loyalists, since a general travel rewards card or cash-back card could offer better returns across many everyday spending categories.

The earning structure is fairly straightforward, though frequent Southwest flyers may prefer the stronger bonus categories offered by Southwest's higher-tier cards.

Related: Are airline credit cards worth it anymore?

Redeeming Rapid Rewards points

Rapid Rewards points are generally most valuable when redeemed for Southwest flights.

Because Southwest uses dynamic award pricing, redemption rates fluctuate alongside cash fares. The upside is that award availability is usually excellent — if there's a seat for sale, you can typically book it with points.

TPG senior content strategist Gabrielle Bernardini recently redeemed 38,500 Rapid Rewards points for a round-trip flight from Orlando to Aruba, which would otherwise have cost about $800. That redemption gave her roughly 2 cents per point in value, well above TPG's May 2026 valuation of Southwest points at 1.25 cents each.

MAX Interior
ASHLEE D.SMITH/SOUTHWEST

You can also redeem points for gift cards, merchandise, hotel stays and rental cars, though these options typically provide less value.

If you want more flexibility, a transferable-points card like the Chase Sapphire Preferred® Card (see rates and fees) may be a better fit since Chase Ultimate Rewards points transfer to Southwest and multiple other airline and hotel partners.

Related: How to redeem points with the Southwest Rapid Rewards program

Downsides to consider about the Southwest Rapid Rewards Plus

The biggest drawback of the Southwest Plus card is that it offers fewer perks and weaker earning rates than Southwest's higher-tier cards.

While the $99 annual fee is approachable, the card offers fewer anniversary points, weaker earning rates and fewer premium travel perks than the Southwest Premier and Southwest Priority cards.

Additionally, Rapid Rewards points are most valuable within the Southwest ecosystem. If you prefer flexibility or frequently fly multiple airlines, you may get more value from a general travel rewards card instead.

Southwest Rapid Rewards Plus vs. Southwest Rapid Rewards Priority

If you fly Southwest several times per year, the Southwest Rapid Rewards® Priority Credit Card (see rates and fees) is worth considering.

Southwest plane on the tarmac
KEVIN CARTER/GETTY IMAGES

The Southwest Priority comes with a higher annual fee but offers richer perks, including more anniversary bonus points and additional ongoing Southwest benefits that frequent flyers may find easier to justify long-term.

Meanwhile, the Southwest Plus card is better for occasional Southwest travelers who want airline perks without committing to a higher annual fee.

Related: Comparing the Southwest Rapid Rewards Priority, Premier and Plus credit cards

Is the Southwest Rapid Rewards Plus worth it?

The Southwest Plus card can absolutely be worth it for occasional Southwest flyers who want practical airline perks. Between the free checked bag, anniversary bonus points and seat selection benefits, it's fairly easy to offset the $99 annual fee if you fly Southwest even a couple of times per year.

But if you're a frequent Southwest traveler, you'll likely get more long-term value from one of the airline's higher-tier cards.

When to apply for the Southwest Rapid Rewards Plus

New Southwest Plus cardholders can earn 80,000 bonus points after spending $1,000 on purchases in the first three months from account opening.

According to TPG's valuations, this welcome offer is worth $1,000.

Before applying, it's worth checking Southwest and Chase welcome offer history trends to see whether the current offer is elevated.

Woman Working on Her Laptop Computer at Home
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The card is subject to Chase's 5/24 rule. If you've opened five or more new credit card accounts from any bank in the past 24 months, you'll likely be denied.

Additionally, you generally won't qualify for this bonus if you currently have another personal Southwest credit card or earned a welcome bonus on one within the past 24 months.

Related: The ultimate guide to credit card application restrictions

Other cards to consider if you don't want the Southwest Rapid Rewards Plus

If the Southwest Plus card doesn't fit your travel style, there are several other airline and travel rewards cards worth considering, depending on the types of perks and flexibility you want.

The information for the Southwest Rapid Rewards Premier Credit Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

For more options, check out our full list of the best travel credit cards and best Chase credit cards.

Related: Comparing the Southwest Rapid Rewards Priority, Premier and Plus credit cards

Bottom line

The Southwest Plus card occupies an interesting middle ground: It's affordable enough for casual Southwest flyers but still offers enough practical travel perks to justify keeping long term.

I think this card hits the sweet spot for occasional Southwest flyers who want airline perks like a free checked bag and better boarding without committing to a premium annual fee. However, if Southwest is your primary airline, you'll probably get more long-term value from one of the carrier's higher-tier cards.


Apply here: Southwest Rapid Rewards Plus Credit Card


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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Is the Citi / AAdvantage Globe Mastercard worth the annual fee?

If you're an American Airlines flyer looking to add a new AAdvantage card to your wallet, you'll want to be sure you can justify the card's annual fee.

The Citi® / AAdvantage® Globe™ Mastercard® (see rates and fees) comes with a $350 annual fee. While it isn't the highest in the Citi / AAdvantage suite, it is certainly nothing to ignore.

Do the Globe card's perks outweigh its annual fee? Let's dive into the benefits and see if they're worth the price.

Welcome bonus

Points and miles enthusiasts know this well: Much of a card's first-year value is found in a lucrative welcome offer.

Thankfully, the Citi / AAdvantage Globe Mastercard delivers.

For a limited time, applicants can earn 90,000 bonus miles after spending $5,000 on purchases in the first four months from account opening.

American Airlines' Airbus A321XLR. SEAN CUDAHY/THE POINTS GUY

Per TPG's May 2026 valuations, this bonus is worth $1,440.

Domestic award tickets on American Airlines start at 5,000 miles one-way on short-haul routes, so a family of four could potentially book two round-trip itineraries with 90,000 miles. If luxury is more your speed, you can also maximize this bonus for first-class seats on Japan Airlines for 80,000 miles.

The Globe card's bonus alone is worth four times more than its $350 annual fee.

Still, you'll want to receive more ongoing value from your card to justify holding it year after year. Let's get into the annual benefits and see how they help reduce the effective annual fee.

Related: What is a credit card welcome offer? How they work and how to maximize value

Lounge passes

Citi / AAdvantage Globe cardholders receive four Admirals Club airport lounge passes each year. One pass is required per adult; up to three children under 18 years old can join one adult on the same pass.

You can use lounge passes at multiple lounges within 24 hours when you're flying on American Airlines or a Oneworld partner airline, such as Alaska Airlines, British Airways or Cathay Pacific.

ZACH GRIFF/THE POINTS GUY

Day passes for Admirals Club access cost $79 when purchased outright. At face value, the four passes included with this card are worth $316 annually.

If you're able to maximize all four passes, this perk nearly offsets the Globe card's $350 annual fee by itself.

Related: 5 ways to ensure you have lounge access before your next flight

Turo credit

The annual fee can also be easier to justify by maximizing the Citi / AAdvantage Globe's Turo credit.

With this perk, you can receive up to $30 per Turo car rental, up to eight times per year, for a total of $240 each year.

Turo car rental. TARAH CHIEFFI/THE POINTS GUY

If you can get the full value of this credit, it helps cut the Globe's $350 annual fee by more than half. However, you'll have to book eight separate car rentals per year.

It's worth noting that Turo rentals are generally not covered by rental card insurance policies from credit cards, since it's considered a peer-to-peer car-sharing platform. Because of this, you likely wouldn't be able to use the Globe's rental car insurance on a Turo rental if something went wrong, which is a major protection gap to consider.

Still, if you enjoy renting from Turo, that $240 is solid value.

Related: My experience with Turo: Car rental convenience at a great price

Splurge Credit

One of the most flexible benefits on the Citi / AAdvantage Globe is its "Splurge Credit."

This benefit is worth up to $100 annually and allows you to choose two merchants from the following list:

  • 1stDibs
  • AAdvantage Hotels
  • Future Personal Training
  • Live Nation (exclusions apply)
Rock band performing on stage at night club
JORDI SALAS/GETTY IMAGES

This credit is issued on a calendar year basis, so if you apply for the card in the middle of the year, you could potentially double-dip in your first cardholder year to receive $200 in value.

This perk partially reduces the effective annual fee, though you'll want to stack it with another benefit to fully offset it.

Related: I asked TPG staffers how they manage credit card statement credits — here are 4 tips

AA inflight purchases credit

With the Citi / AAdvantage Globe, you'll receive up to $100 in statement credits each calendar year on inflight purchases when you buy with your card on American Airlines flights.

Keep in mind the benefit applies only to domestic AA flights and is not available on codeshare flights operated by another airline.

And, since American Airlines has rolled out free Wi-Fi on many of its planes, the value of this perk isn't as great as it once was.

EMILIA WRONSKI/THE POINTS GUY

Like the Splurge Credit, this benefit is issued on a calendar-year basis. So, in your first cardholder year, you can potentially maximize your earnings by using it shortly after approval and again after Jan. 1.

This $100 benefit will help offset about a third of the $350 annual fee, so you'll want to stack it with another to get a full return on your annual fee.

Related: American Airlines passengers can use AAdvantage miles for inflight purchases

Global Entry/TSA PreCheck credit

If you haven't already received a Global Entry/TSA PreCheck credit through another card, this benefit included on the Citi / AAdvantage Globe is worth up to $120 every four years.

CBP Global Entry
SEAN CUDAHY/THE POINTS GUY

Even if you have already signed up for Global Entry, you can share this benefit with someone who hasn't gotten it yet. Simply use your card to pay for anyone's application fees.

This perk helps justify a third of the card's $350 annual fee on its own.

Related: Global Entry vs. TSA PreCheck: Which is more beneficial?

First checked bag free on AA flights

Citi / AAdvantage Globe cardholders receive their first checked bag free on domestic American Airlines flights for themselves and up to eight companions traveling with them on the same reservation.

Person picking up suitcase
IAM ANUPONG/GETTY IMAGES

The quantifiable value of this benefit depends on how often you fly AA domestically and whether you have others checking one bag with you.

It costs $50 one-way to check a bag on American Airlines (or $45 if you pay online), so if you check a bag for at least seven flights in a year, you'll receive enough value to cover the cost of the Globe's $350 annual fee with this benefit alone.

Related: Airline baggage fees: How much it costs to check a bag on major US airlines

Bottom line

If you're able to maximize at least two or three of the Globe card's perks each year, you can offset its $350 annual fee. And, the lucrative welcome bonus is worth more than four times the annual fee.

So if you can redeem your AAdvantage miles at a high value, the annual fee can easily be worth it. If you rarely fly American Airlines or find the credits included on the Globe difficult to redeem, this card isn't worth it for you.

However, whether you're a frequent or occasional AA flyer, occasional Admirals Club lounge guest or someone who can use up multiple statement credits, this card could be a great choice. Consider your travel habits and preferences to see if that $350 is worth it.


Apply here: Citi / AAdvantage Globe Mastercard


Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.



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