September is a great month to take action on your points and miles strategy. Whether you’re looking to earn a big welcome bonus or squeeze more value out of the points you already have, there’s a lot to work with this month. Here’s everything you need to know.

The Best Credit Card Offers This Month

Chase Sapphire Preferred

Earn 75,000 bonus points after spending $5,000 in the first 3 months. The annual fee is just $95, which makes this one of the easiest offers on this list to justify even if you’re new to points and miles. Transferable to 10 airline partners and 4 hotel partners.

Capital One Venture X

Earn 75,000 miles after spending $4,000 in the first 3 months, equal to $750 in travel. The $395 annual fee is largely offset by a $300 annual travel credit and 10,000 bonus miles on your account anniversary, so you’re really only paying about $95 out of pocket.

Chase Ink Business Preferred

Earn 100,000 bonus points after spending $8,000 in the first 3 months. Annual fee is just $95, and since it’s a business card, it won’t count toward your 5/24 status with Chase.

American Express Business Gold Card

Earn up to 200,000 Membership Rewards points after spending $15,000 in the first 3 months (offers vary by applicant). Annual fee is $375, and it also won’t count toward 5/24.

American Express Business Platinum Card

Earn up to 300,000 Membership Rewards points after spending $20,000 in the first 3 months (offers vary by applicant). This is the highest-value offer on the list right now. Annual fee is $895.

Chase Sapphire Reserve for Business

Earn 200,000 bonus points after spending $30,000 in the first 6 months, plus access to more than $7,000 in total business and travel value in your first year. Annual fee is $795.

Low Spend Pick: Atmos Rewards Ascent Visa Signature

If your budget is tighter, this one’s worth a look. Earn 70,000 points plus a $99 companion fare after spending just $2,500 in the first 90 days, which works out to under $850 a month. Annual fee is $95.

Delta SkyMiles Gold American Express Card

Apply and find out your offer: as high as 80,000 bonus miles plus a $250 statement credit after spending $3,000 in the first 6 months. $0 intro annual fee for the first year, then $150. This elevated offer runs through November 4.

Delta SkyMiles Platinum American Express Card

Apply and find out your offer: as high as 90,000 bonus miles plus a $300 statement credit after spending $4,000 in the first 6 months. Annual fee is $350. Also elevated through November 4, and it’s the better pick if you want a shot at Delta Medallion status progress alongside the miles.

Delta SkyMiles Reserve American Express Card

Earn two round-trip Delta Comfort Flight Certificates plus 50,000 bonus miles after spending $10,000 in the first 6 months. Annual fee is $650. This one trades a smaller mile total for the companion-style flight certificates and Delta Sky Club access, so it’s worth it mainly if you’ll actually use the lounge.

All three Delta Amex personal offers are part of the same elevated round Amex just rolled out, and they all expire November 4, so this is a good window if a Delta card has been on your list.

Delta SkyMiles Gold Business Card

Earn 90,000 bonus miles (up from 60,000) after spending $6,000 in the first 6 months. $0 intro annual fee for the first year, then $150. Offer ends November 4.

Delta SkyMiles Platinum Business Card

Earn 100,000 bonus miles (up from 70,000) after spending $8,000 in the first 6 months. Annual fee is $350. Offer ends November 4.

Delta SkyMiles Reserve Business Card

Earn 200,000 bonus miles (up from 80,000) after spending $20,000 in the first 6 months. Annual fee is $650. This is the biggest jump of the three, and since it’s a business card, it also won’t count toward your 5/24 status with Chase. Offer ends November 4.

The business lineup got even bigger increases than the personal cards this round, so if you have a side business or side hustle, these are worth a serious look before November 4.

There are also several additional elevated offers on airline and hotel co-brand cards this month. You can find all the current details on my best offers page.

Transfer Bonuses Worth Knowing About This Month

Transfer bonuses are one of the most underused tools in points and miles. They let you move points from a flexible currency like Membership Rewards or Ultimate Rewards into an airline or hotel program at a better-than-normal rate. The catch is that transfers are one-way and permanent, so you only want to pull the trigger when the math actually works in your favor.

Here is what is live in September:

Chase Ultimate Rewards to Air Canada Aeroplan (through September 30): 20% bonus. Aeroplan has strong sweet spots on Star Alliance partners, so this is a good one to watch if you have a trip in mind on Air Canada, Lufthansa, or United’s partner network.

Chase Ultimate Rewards to IHG One Rewards (through August 31): 70% bonus. This one is expiring very soon, so if you have IHG stays coming up, this is your last call to check whether the math works for you.

Amex Membership Rewards to British Airways Avios (through September 27): 30% bonus. Avios is priced by distance, so this bonus is strongest on shorter flights within Europe or between the U.S. and nearby destinations.

Amex Membership Rewards to Iberia Avios (through September 27): 30% bonus. Same Avios currency as British Airways, so the same short-haul sweet spots apply here.

Amex Membership Rewards to Aer Lingus AerClub (through September 27): 30% bonus. Also an Avios-based program, useful if you’re eyeing a trip through Ireland or elsewhere in Europe.

Bilt Rewards to Virgin Atlantic (September Rent Day promotion). Bilt’s monthly Rent Day promo this time centers on a boosted transfer to Virgin Atlantic. Worth a look if you pay rent through Bilt and Virgin Atlantic partners fit your travel plans.

A couple of housekeeping notes if you’re comparing this to older transfer partner info: Amex removed Etihad Guest as a transfer partner entirely as of June 30, so that program is no longer an option. And Chase is changing the Ultimate Rewards to World of Hyatt ratio on the Sapphire Preferred and Ink Business Preferred cards from 1:1 down to 4:3, effective October 1 for existing cardholders (new cardholders are already on the 4:3 rate). The higher-tier Sapphire Reserve and Sapphire Reserve for Business cards keep the 1:1 ratio.

There are several additional transfer bonuses active this month involving hotel programs and a few other airline partners. The key question to always ask yourself before transferring: am I getting more value out of the points after the transfer than I would using them another way? If the answer is yes, go for it. If not, hold onto them.

As always, using the affiliate links on my best offers page to apply for cards helps support this site at no cost to you. I appreciate every single one of you who does. Happy travels!