Best Transferable Points Ranked, Huge Capital One Lawsuit & How We Evaluate Retention Offers!

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Capital One is facing a lawsuit over canceled rewards, and the bigger question is simple: once you earn points, should a bank be able to take them back? We also break down how we evaluate retention offers, why some “free” cards still aren’t worth keeping, and where Amex, Chase, Bilt, Citi, Capital One and Wells Fargo rank in the transferable points pecking order.

In This Episode 
• Capital One sued over canceled credit card rewards 
• Why earned points need stronger consumer protections 
• How we evaluate retention offers before paying another annual fee 
• Why Amex retention math often has to beat referral math 
• Dell hate, Business Platinum changes and the credits that stopped mattering 
• Ranking transferable currencies from worst to best 
• Why Chase has slipped, Citi keeps getting better and Bilt may be the most interesting program right now 
• Amex vs Bilt for the top spot 

How would you rank the transferable points programs right now? Do you still have Chase at the top, or have Amex, Citi and Bilt passed it for you? Let us know your list in the comments.

Episode Guide 
0:00 Welcome to MTM Travel 
0:21 Detroit event details and why in-person networking still matters 
2:52 Capital One sued over canceled rewards 
7:51 How to think about retention offers 
11:16 No-fee cards can still have retention offers 
13:25 Dell, Business Platinum credits and the breaking point 
14:52 Ranking transferable points programs 
16:15 Capital One vs Wells Fargo at the bottom 
19:03 Bilt vs Citi and the middle of the rankings 
19:45 Why Chase keeps slipping 
23:07 Amex makes the case for number one 
26:14 Mark’s case for Bilt as the best program 
29:15 Which programs are essential for most people?

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Retention offers - https://milestomemories.com/american-express-business-platinum-retention-offer/

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