Not sure which bank to focus on for your next credit card?
This Excel sheet makes it easier to decide. It lists all the major bank transfer partners—both airlines and hotels—along with their transfer ratios. Once you know where you want to go or which hotel chain you love most, you can quickly see which bank’s points will get you there.

Still deciding? Start with a bank that offers lots of transfer options. That way, you can stay flexible and adjust plans as you go.

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