20,000 AA miles (~$280)
2.3% APY
884/hr for your time
Hold $50,000 average balance for 90 days.
Ease 3/10 · after 120 daysAug 31, 2026
Hold balanceDetails
2.3% effective APY
$50,000 committed, about 90 days
Free travel: credits, points, and miles you can actually book with
Updated September 2026 · 8 live offers · last full review 2026-07-07
Free travel offers pay in booking credits, airline miles, or hotel points instead of cash. A 60,000 point card bonus is commonly worth $600 to $1,200 when transferred to an airline or hotel partner, and stay credits apply directly to your first booking. We value points conservatively so they sit honestly next to cash offers.
Points are not dollars, so this page never pretends they are. Each offer shows the cash equivalent at a conservative valuation, plus what you actually have to do to earn it. Combine one stay credit with one travel card bonus and a domestic trip is usually covered.
Best right now
Links checked 2026-09-18The three strongest live offers on this page, checked against the real signup link before they were ranked.
- Chase Sapphire 100K (Preferred or Reserve)100,000 Chase Ultimate Rewards points (good for travel partners)
New offer page giving 100,000 Chase Ultimate Rewards points (good for travel partners) on either the Sapphire Preferred or Sapphire Reserve. Transfer 1:1 to World of Hyatt, United MileagePlus, Southwest Rapid Rewards, Air Canada Aeroplan, Air France/KLM Flying Blue, British Airways Avios, and 8 more partners. Worth roughly $2,000 in travel at 2.0 cpp. Preferred has a $95 annual fee; Reserve has a $795 annual fee, $300 travel credit, and Priority Pass lounge access. 5/24 rule applies.
Get this bonus - Chase United Explorer60,000 United MileagePlus miles
United co-brand. Free first checked bag on United, 2 United Club passes per year, 25% back on inflight purchases. Miles book on United, Air Canada, ANA, Lufthansa, and 20+ Star Alliance carriers. $0 first year, then $150. Each approval also pays Churnables 10,000 miles, up to 100,000 a year.
Get this bonus - inKind$50 dining credit
Restaurant app where you pre-fund dining credit at a discount. This link gives you $50 to spend at 3,000+ US restaurants when you join and place your first order.
Get this bonus
Some of these are limited to certain states. Filter the board to yours:
Offers tracked
8
Biggest payout
$1,250
Top effective APY
2%
No direct deposit
8 offers
60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)
$3,261/hr
No money tied up
Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months).
Ease 6/10 · Points post 6 to 8 weeks after you hit the spend requirementNo expiration
Bonus / matchDetails
$3,261/hr for your time
No cash tied up · about 0.4h of work
60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)
$1,957/hr
No money tied up
Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies.
Ease 7/10 · Miles post 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,957/hr for your time
No cash tied up · about 0.4h of work
100,000 Ultimate Rewards points
$2,027/hr
No money tied up
Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation.
Ease 5/10 · 6 to 8 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$2,027/hr for your time
No cash tied up · about 0.6h of work
40,000 to 75,000 Delta SkyMiles
$1,826/hr
No money tied up
Spend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation.
Ease 7/10 · Miles post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$1,826/hr for your time
No cash tied up · about 0.4h of work
3 Free Night Awards (up to 50,000 points each)
$2,348/hr
No money tied up
Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points.
Ease 6/10 · Free Night Awards post 8 to 12 weeks after the spend requirement is metNo expiration
Bonus / matchDetails
$2,348/hr for your time
No cash tied up · about 0.4h of work
25,000 online bonus points
$652/hr
No money tied up
Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250.
Ease 7/10 · 8 to 12 weeks after the spend postsNo expiration
Bonus / matchDetails
$652/hr for your time
No cash tied up · about 0.4h of work
Offer shown by Airbnb
$0/hr
No money tied up
Open the invite and confirm the program, reward, qualifying action, and expiration Airbnb shows. The former general guest travel-credit program is no longer a safe assumption.
Ease 8/10 · according to the terms Airbnb shows for this inviteNo expiration
Bonus / matchDetails
$0/hr for your time
No cash tied up · about 0.3h of work
Return on parked cash
Effective APY on these offers
Bonus divided by the money you must hold, annualized over the hold period.
Start the top APY offers
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Headline dollars
Biggest payouts here
Raw bonus size, before accounting for the cash you have to move.
Start the biggest payouts
Chase Sapphire Preferred60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel)Chase Sapphire Reserve100,000 Ultimate Rewards pointsMarriott Bonvoy Business American Express3 Free Night Awards (up to 50,000 points each)Chase United Explorer60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel)Delta SkyMiles Gold American Express40,000 to 75,000 Delta SkyMilesBask Bank20,000 AA miles (~$280)
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Pay for your time
Dollars per hour of actual work
Most offers here tie up no money at all, so the honest measure is what an hour of your time earns.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| Chase Sapphire Preferred Credit Card | 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) | None | No capital tied up | $3,261/hr (0.4h) |
| Marriott Bonvoy Business American Express Hotel Credit Card | 3 Free Night Awards (up to 50,000 points each) | None | No capital tied up | $2,348/hr (0.4h) |
| Chase Sapphire Reserve Credit Card | 100,000 Ultimate Rewards points | None | No capital tied up | $2,027/hr (0.6h) |
| Chase United Explorer Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | None | No capital tied up | $1,957/hr (0.4h) |
| Delta SkyMiles Gold American Express Airline Credit Card | 40,000 to 75,000 Delta SkyMiles | None | No capital tied up | $1,826/hr (0.4h) |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | $50,000 for about 90 days | 2.3% | $884/hr (0.3h) |
| Bank of America Travel Rewards Credit Card | 25,000 online bonus points | None | No capital tied up | $652/hr (0.4h) |
| Airbnb Travel Credit | Offer shown by Airbnb | None | No capital tied up | $0/hr (0.3h) |
Work against money
Where the easy money sits
Top-left is the sweet spot: a big payout for very little work.
Each dot is one offer in America. Further left means less work; higher means more money. Bigger dots earn more on the cash you park.
Read these numbers as a table
| Offer | Payout | Money tied up | Effective APY | Pay per hour |
|---|---|---|---|---|
| Chase Sapphire Preferred Credit Card | 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) | None | No capital tied up | $3,261/hr (0.4h) |
| Chase Sapphire Reserve Credit Card | 100,000 Ultimate Rewards points | None | No capital tied up | $2,027/hr (0.6h) |
| Marriott Bonvoy Business American Express Hotel Credit Card | 3 Free Night Awards (up to 50,000 points each) | None | No capital tied up | $2,348/hr (0.4h) |
| Chase United Explorer Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | None | No capital tied up | $1,957/hr (0.4h) |
| Delta SkyMiles Gold American Express Airline Credit Card | 40,000 to 75,000 Delta SkyMiles | None | No capital tied up | $1,826/hr (0.4h) |
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | $50,000 for about 90 days | 2.3% | $884/hr (0.3h) |
| Bank of America Travel Rewards Credit Card | 25,000 online bonus points | None | No capital tied up | $652/hr (0.4h) |
| Airbnb Travel Credit | Offer shown by Airbnb | None | No capital tied up | $0/hr (0.3h) |
Hold time on the strongest offer here
Bask Bank Mileage Savings: what waiting costs you
The same payout is worth much more when the money comes back quickly. The marked point is the offer's own stated window.
$50,000 committed for about 90 days pays $280, which annualizes to 2.3%.
Read this chart as a table
| Money committed for | Effective APY | Note |
|---|---|---|
| 30 days | 6.8% | |
| 45 days | 4.5% | |
| 60 days | 3.4% | |
| 90 days | 2.3% | The offer's own stated window |
| 120 days | 1.7% | |
| 180 days | 1.1% | |
| 270 days | 0.8% | |
| 365 days | 0.6% |
Start this offer
Buttons without a green fill go to the bank's own public offer, which is the better deal on those rows. See every bonus.
Every offer at a glance
| Offer | Bonus | Requirement | Effective APY | Pay per hour | Checked |
|---|---|---|---|---|---|
| Bask Bank Mileage Savings | 20,000 AA miles (~$280) | Hold $50,000 average balance for 90 days. | 2.3% | $884/hr | 2026-07-05 |
| Chase Sapphire Preferred Credit Card | 60,000 Chase Ultimate Rewards points (worth ~$1,200 in travel) | Spend $5,000 on purchases within the first 3 months. Chase 5/24 rule applies (auto-denied if you have opened 5+ personal cards across any issuer in the last 24 months). | No capital tied up | $3,261/hr | 2026-07-05 |
| Chase United Explorer Credit Card | 60,000 United MileagePlus miles (worth ~$750 in Star Alliance travel) | Spend $3,000 on purchases within the first 3 months. Chase 5/24 rule applies. | No capital tied up | $1,957/hr | 2026-07-05 |
| Chase Sapphire Reserve Credit Card | 100,000 Ultimate Rewards points | Apply through a Chase refer-a-friend link and meet the first-year spend requirement. Points are Chase Ultimate Rewards, which transfer one to one to partners such as United, Hyatt and Air Canada Aeroplan, so a cent and a quarter per point is a conservative travel valuation. | No capital tied up | $2,027/hr | 2026-08-14 |
| Delta SkyMiles Gold American Express Airline Credit Card | 40,000 to 75,000 Delta SkyMiles | Spend $2,000 to $3,000 on purchases in the first 6 months. The first checked bag is free for you and up to eight companions on the same reservation. | No capital tied up | $1,826/hr | 2026-08-14 |
| Marriott Bonvoy Business American Express Hotel Credit Card | 3 Free Night Awards (up to 50,000 points each) | Spend $6,000 on purchases in the first 6 months. Each award covers one night at a hotel costing up to 50,000 Marriott Bonvoy points. | No capital tied up | $2,348/hr | 2026-08-14 |
| Bank of America Travel Rewards Credit Card | 25,000 online bonus points | Apply through a Bank of America refer-a-friend link and spend the qualifying amount in the first 90 days. Points redeem at one cent each as a statement credit against travel and dining purchases, so 25,000 points is $250. | No capital tied up | $652/hr | 2026-08-14 |
| Airbnb Travel Credit | Offer shown by Airbnb | Open the invite and confirm the program, reward, qualifying action, and expiration Airbnb shows. The former general guest travel-credit program is no longer a safe assumption. | No capital tied up | $0/hr | 2026-09-18 |
Questions people ask
How do I turn points into free travel?
Transferable points move 1:1 to airline and hotel partners, and that is usually where the value is. Booking through a card's own travel portal is simpler but typically locks the value near one cent per point.
What is a stay credit worth?
Face value, applied to your first qualifying booking. Unlike points, there is no valuation guesswork, but the credit usually expires and often has a minimum booking amount.
Are airline miles taxable?
Miles earned through spending are not taxable. Miles or points paid as a bank account bonus, such as a mileage savings account, generally are, and the bank reports a dollar value on a 1099.
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