Evaluating the Amex, Capital One, Chase and Citi journey portals – The Factors Man

Editor’s observe: This can be a recurring submit, commonly up to date with new info.

American Specific, Capital One, Chase and Citi are 4 of the main gamers within the travel credit card space. As such, these issuers supply their very own journey portals, the place customers can earn and redeem their factors and miles for flights, lodges, automobile leases and extra.

These issuers additionally incentivize their cardholders to make use of the financial institution’s personal portal, finished by providing bonus factors on bookings.

As an example, with the Capital One Venture X Rewards Credit Card, you’ll earn 10 miles per greenback on lodge and automobile leases and 5 miles per greenback on flights — however solely when booked by way of the Capital One Journey portal. Purchases made outdoors the portal earn 2 miles per greenback.

Likewise, with the Chase Sapphire Preferred Card, you’ll earn 5 factors per greenback on all journey booked by way of the Final Rewards portal. In any other case, you earn 2 factors per greenback on these journey purchases.

Given the profitable incomes potential that reserving by way of these portals presents, it begs the query: Is it price your time to make use of them reasonably than reserving straight?

On this information, we put these 4 journey portals to the take a look at when reserving flights. We in contrast worth, ease of use, redemption worth and different metrics.


For this evaluation, we restricted our analysis to flights and did not embody lodges, rental vehicles or different journey. That’s as a result of we generally recommend that you avoid booking hotels through a third party because you probably gained’t obtain elite-status advantages (you probably have any) or earn elite-qualifying keep credit.

In case you’re not involved with incomes lodge elite standing or are reserving an impartial lodge, then reserving your keep by way of a journey portal may very well be advantageous for you.

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It is also price noting which you could get elite-like perks at lodges, even with out elite standing, by reserving with these packages: Amex’s Fine Hotels + Resorts, Amex’s The Hotel Collection, Capital One’s Premier Collection, Chase’s Luxury Hotel & Resort Collection, Citi’s Lodge Assortment and Citi’s Luxurious Lodge Assortment.

With flights, you could possibly “double-dip” your earnings: You’ll be able to often earn bonus factors on bookings by way of your card issuer’s portal and earn airline and elite-qualifying miles simply as you’ll by reserving straight by way of the airline. That stated, listed below are the options we examined in every portal:

  • Outcomes: Do you get complete outcomes when looking out by way of the portal?
  • Value: How do the costs examine to reserving straight with an airline versus by way of a portal?
  • Ease of use: Is navigating the portal simple for a person? What distinctive options or advantages do customers get from utilizing this portal?
  • Redemption worth: Is it price redeeming your factors and miles for journey by way of a portal?

With these 4 elements in thoughts, right here’s how the person issuers’ journey portals stack up.

American Specific Journey portal


Any American Express card that earns Membership Rewards factors grants entry to the Amex Travel portal. Relying in your particular card, you might earn bonus factors for reserving by way of the portal.

The Platinum Card® from American Express, for example, earns 5 factors per greenback on flights booked straight with airways or by way of Amex Journey (on as much as $500,000 of those purchases yearly, then 1 level per greenback) and 5 factors per greenback on pay as you go lodge bookings made by way of Amex Journey. The American Express® Gold Card, in the meantime, earns 3 factors per greenback on flights booked straight with airways or by way of Amex Journey.

You’ll be able to seek for flights, lodges, flight and lodge packages, rental vehicles and cruises on the Amex portal.

Associated: Everything you need to know about Amex Travel

Capital One journey portal


The Capital One travel portal affords a recent interface powered by the journey tech app Hopper and is accessible with most bank cards incomes Capital One miles or money again.

Bonus earnings can be found, relying on which card you might have. Utilizing the Capital One Venture X Rewards Credit Card to e-book flights within the portal gives 5 miles per greenback; flights booked elsewhere earn 2 miles per greenback.

At present, you may solely e-book flights, lodges and rental vehicles by way of the portal. The portal additionally homes the Premier Assortment for luxurious lodges. Nevertheless, that is solely accessible you probably have the Enterprise X or its counterpart, the Capital One Venture X Business card.

The knowledge for the Enterprise X Enterprise card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: How to use the Capital One travel portal — now with more cards and new rewards

Chase Final Rewards journey portal


Chase’s Ultimate Rewards travel portal was powered by Expedia for a few years, however the issuer migrated to cxLoyalty in 2021.

You’ll be able to entry the portal together with your Ultimate Rewards-earning credit card, together with common choices just like the Chase Sapphire Reserve, the Chase Sapphire Preferred or the Chase Freedom Unlimited. Cardholders can e-book flights, lodges, vehicles, actions and cruises on the Chase journey portal.

Associated: Why are some flights more expensive through the Chase travel portal?

Citi journey portal


The overhauled Citi travel portal launched in March 2023 after months of delays. It is powered by Rocket Travel by Agoda, a part of the household.

You’ll be able to entry the portal with any credit card earning ThankYou points, and a number of other playing cards earn bonus factors on bookings within the portal. Sadly, flights aren’t included in these bonus choices.

With Citi’s new portal, you may e-book flights, lodges, rental vehicles and sights of quite a few sorts. The portal additionally affords two lodge packages: Lodge Assortment and Luxurious Assortment.

Associated: Ultimate guide to the Citi travel portal

Reserving flights

I checked out a wide range of round-trip routes with the identical dates (roughly six months from now) and gathered the next costs:

Itinerary Booked straight Amex Journey Capital One Journey Chase journey Citi Journey
New York (JFK) to Los Angeles (LAX) in financial system with Delta Air Traces. $533. $541. $540. $523. $540.
Tampa (TPA) to Bozeman (BZN) in financial system with American Airways. $786. $786. $786. $786. $786.
Baltimore (BWI) to Las Vegas (LAS) in financial system with Delta Air Traces. $720. $720. $720. $720. $720.
Miami (MIA) to Boston (BOS) in financial system with JetBlue. $418. $418. $338. $418. $412.
Chicago (ORD) to Milan (MXP) in financial system with United Airways. $902. $902. $902. $772. $732.
Nashville (BNA) to Bogotá, Colombia (BOG) in financial system with American Airways. $535. $535. $535. $535. $415.
Toronto (YYZ) to Seoul (ICN) in financial system with Air Canada. $1,079. $1,952. $1,880. $ 2,581. $1,952.
New York (JFK) to Los Angeles (LAX) in Delta One. $2,798. $2,600. $2,798. $2,798. Not out there.
Newark (EWR) to London (LHR) in enterprise with British Airways. $3,272. $3,272. $3,300. $3,300. $3,300.
San Francisco (SFO) to Singapore (SIN) in enterprise with Singapore Airways. $8,351. $7,285. $8,521. $9,386. $8,521.


All three journey portals usually fared effectively when it got here to looking out financial system flights versus reserving straight. Nevertheless, there have been a couple of main caveats price noting.

Southwest Airways isn’t bookable on any of the portals, and tickets for low-cost airways like Spirit Airways and Frontier are sometimes costlier on the Chase and Capital One journey portals than reserving straight. Amex Journey didn’t show any Spirit Airways or Frontier Airways flights.

When it got here to worldwide flights, all the financial institution portals struggled at instances to match costs or give comparable outcomes versus reserving straight. For a deeper dive on a few of these routes and flight costs, we did a broader comparability throughout 20 flights in this guide.

As a common phrase of recommendation, home flights ought to yield the identical outcomes and worth, but it surely will get difficult when looking for worldwide fares. Your finest guess could be to check the costs and solely use a portal when the costs are an identical.

Ease of use

The Amex portal is my favourite for a understandable search expertise, quick load instances for outcomes and the simplicity of parsing by way of the varied choices.


Alternatively, the Capital One portal affords some of the visually interesting interfaces, with color-coded dates to point the bottom costs in a calendar view — plus worth drop safety. Nevertheless, the Capital One portal didn’t present as many choices as its rivals on some searches. It additionally yielded greater costs for worldwide routes, however I’m hopeful that the issuer will proceed to make enhancements sooner or later.


Primarily based on thousands and thousands of knowledge factors from Hopper, Capital One is meant to let you understand if that is the perfect time to e-book through its worth watch prediction characteristic.


To standardize the choices throughout varied airways, Capital One additionally gives detailed insights into what flyers can count on from their chosen fare class. With the rise of “fundamental financial system” fares, it’s not all the time clear what facilities are included in your ticket and what you’ll should pay for as extras.

Capital One does a superb job of explaining in-depth options reminiscent of seat pitch, plane sort, and meals and beverage choices on board.


Talking of fundamental financial system, it is price noting Amex Journey hardly ever (if ever) shows these fares. In case you’re searching for fundamental financial system, it is best to use one other portal.

Citi’s new portal does a great job of providing a broad vary of ends in financial system and providing upgrades on the fee web page. And with the ability to e-book flights plus different journey components in a single transaction is nice. Nevertheless, looking out straight for business-class fares is hard on this portal.

Lastly, the Chase portal has seen huge enhancements since totally migrating towards its cxLoyalty interface. Beforehand, when Chase was powered by Expedia, customers complained about gradual load instances and far greater costs than these supplied straight by the airways. A few of these points appear to have been resolved.


Whereas the Final Rewards portal might use some work in cleansing up the interface, the general person expertise is a lot better than earlier than. That stated, it is also the portal with the very best frequency of worth divergence from reserving straight — typically greater and typically decrease.

Redemption worth

This isn’t a criterion we used for evaluating these financial institution journey portals for this specific article. The worth of your factors or miles can rely upon which specific rewards card you carry. Nonetheless, it’s price remembering if you happen to intend to make use of your bank card’s journey portal to earn or redeem factors and miles.

Your bank card factors or miles are sometimes price 1 cent every for flights in your respective journey portal. That’s the case with Amex cards that earn Membership Rewards factors and Capital One credit cards. Even with the Capital One’s premium card (the Enterprise X), your factors are solely price 1 cent every when redeemed for journey by way of the Capital One portal. The identical applies to credit cards earning Citi ThankYou points.

Alternatively, Chase’s credit score cardholders are incentivized to make use of the Final Rewards portal through a better redemption worth. With the Chase Sapphire Reserve, your factors are price 1.5 cents every towards journey bookings, whereas the Chase Sapphire Preferred and Ink Business Preferred Credit Card fetch 1.25 cents per level in worth.


Whereas not as constant of a program, American Specific offers “Insider Fares,” permitting cardholders to redeem their factors for a greater worth than 1 cent apiece on choose home and worldwide itineraries. Nevertheless, these could be fairly particular.


Choose Amex enterprise credit score cardholders also can leverage the Pay with Points benefit to get a 25% to 50% factors rebate when reserving choose airfare by way of Amex Journey — one more incentive to e-book by way of the portal.

Attributable to all these card-specific circumstances, we didn’t make redemption values a major criterion for judging these portals for reserving flights. Fairly, we centered on every portal’s person interface and the supply of aggressive fares — as these two elements will in all probability be the determinants as as to whether vacationers find yourself utilizing them.

Associated: Why I love the Amex Business Platinum’s Pay With Points perk

Backside line

Bank card issuers have improved their journey portals through the years, however they’re nonetheless removed from good. Whereas there is not a transparent winner for the perfect journey portal, every has distinctive options and incentives for its cardholders.

In case you resolve to e-book a flight by way of your issuer’s journey portal, make sure to examine that worth in opposition to reserving straight with the airline to get the perfect deal potential. And don’t overlook that you may want to book directly anyway to keep away from any complications down the highway. If it’s essential change or cancel your airfare, reserving with a 3rd occasion can complicate issues when plans change.

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