While this card offers great rewards and benefits, it does come with a hefty $550 annual fee. That said, you need to do your research before transferring points since the value can also drop when transferring to certain travel partners, like IHG One Rewards. For instance, you're likely to get the best value by moving your points to loyalty programs such as World of Hyatt and Air Canada Aeroplan. You can get even better value if you transfer your points to one of Chase's travel partners. This is a great way to maximize the value of your rewards and makes this card stand out from the pack. For example, 60,000 points are worth $900 toward airfare, hotels, car rentals and cruise reservations when you redeem through Chase Ultimate Rewards®. The value of points increases 50% when you redeem for travel on Chase Ultimate Rewards®.

Redemption values for other reward options may be worth more or less than this. When you use points through Chase Pay® for a statement credit to cover all or part of a purchase made at participating Chase Pay® merchants (Amazon, for instance), each point is worth $.008, which means that 100 points equals $.80 in redemption value. (See more on how the value of points is calculated.) If you redeem points for cash and gift cards, each point is worth $.01, which means that 100 points equals $1 in redemption value. The value of Chase rewards points varies depending on how you use them. This card is geared toward frequent travelers, offering points on dining and travel worldwide and no foreign transaction fees. Who's this for? If you're a frequent traveler looking to make your flights and hotel stays more luxurious, the Chase Sapphire Reserve® should be on your radar. *Terms, conditions and exclusions apply. Refer to your Guide to Benefits for more details. This card has no foreign transaction fees and comes with a bunch of additional travel perks, such as 24-hour travel assistance services and an auto rental collision damage waiver. If you travel often, these are a great perk that can save you time and money.

Cardhodlers also receive two complimentary Capital One Lounge visits per year or to 100+ Plaza Premium Lounges through the Partner Lounge Network. In addition to rewards, every four years cardholders receive a credit for a Global Entry or TSA PreCheck application, up to $100. While Venture does come with a $95 annual fee, it's low compared to some other rewards cards, with some annual fees up to $550. Plus earn 2X miles per dollar on every other purchase. Who's this for? The Capital One Venture Rewards Credit Card offers the best rewards rate on select hotel purchases: Earn 5X miles on hotel and rental cars booked through Capital One Travel, which is a great flat rate.

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