I Ranked Credit Card Points Programs For 2024 | From Best to Worst

[@dongahng]

you are the best person to explain about pint system on the card. compare to the others. Thanks

[@Spend.Earn.Travel.]

Thank you! And you’re welcome!

[@jeff.0-3]

well thought out video. I basically agree with all of your choices. I didn't realize how underrated US Bank is.

[@Spend.Earn.Travel.]

Yes US Bank can be super powerful with the Altitude Reserve Card!

[@JoshGiebel]

Great video Matt! As an Altitude Reserve cardholder, I love to see US Bank in the S tier (I might be biased haha). Quick note that you don't even need to use the portal for 1.5 cpp! Using the Real Time Rewards feature, I can book flights directly with the airline (as long as the charge is in USD), and US Bank will send me a text to redeem at 1.5 cpp. Also, US Bank lets me earn points on RTR purchases! I did this for some flights to Mexico when the transfer partners just weren't any better than 1.5 cpp. Great list overall as well.

[@Spend.Earn.Travel.]

That's great to know! Thank you for sharing!

[@yer992]

Good video!

[@Spend.Earn.Travel.]

Thank you!

[@soapa4279]

Crazy I have 4 ecosystems lol. (I have 5 if we include Bilt) But don’t have Citi or BofA. For me and my family, Chase UR points work best

[@Spend.Earn.Travel.]

I have multiple ecosystems as well!!

[@Fish4Points]

Great video. I mostly agree with your list but I feel personally that Amex should be top tier with Chase and US bank because if you think about it most of the luxury based cards/high status cards are Amex example is with mariott you have both chase and amex cards but only amex provides the top tier Marriott card. Not to mention all of hiltons cards are amex cards yes it's a different earning system but when your talking about travel most of the time if your going somewhere for a 7 nights or longer your hotel/s is going to be your biggest expense not your flight or maybe your not even flying and your a "road warrior" but I also see credit cards as way of getting high status and redeeming for more luxury stays/places I would not normally be able to afford with just cash

[@docsays]

I agree on your rankings for most of the banks, but gotta disagree on the US bank ranking. No way can it be S tier. No transfer partners & last i heard you can’t even combine points from other cards! Also Cap1 has mutiple venture cards & spark mile cards which can access their TPs

[@JakeVanderPloeg]

Solid stuff! I’m a Chase and BILT guy myself! Curious where you would put BILT in the tier list?

[@soapa4279]

I’m thinking A tier. Great transfer partners, 1.25CPP redemption through portal including activities.

[@Spend.Earn.Travel.]

I would personally put it into B tier. For my spending habits, the multipliers wouldn’t cut it. However, the other perks of the card, like paying rent, could certainly push it into a higher tier for the right person!

[@michaeltaylor1572]

Is S tier the best ?

[@Spend.Earn.Travel.]

Yes it is. It's a step above "the best" which is why it's above A tier.

[@Drummer_jes]

The U.S. Bank Altitude Reserve will always be my favorite, especially since I only travel in economy. Guaranteed 1.5cpp is too good!✈️

[@Spend.Earn.Travel.]

It’s next on my list to apply for!

[@RaulHernandez-tv6yb]

✈️ ✈️ ✈️

[@MuscleB3ach]

✈️