Best Categories for This Card
2.60%
effective
Hotels & Lodging
2x Avios
Hotel stays booked directly with the hotel
1.30%
effective
All Other Purchases
1x Avios
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Hotels & Lodging | 2x | Ongoing | — | 2.60% |
Everywhere else | 1x | Ongoing | — | 1.30% |
Card details
- Last verified
- Oct 22, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
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Want more details?
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