Premium Card Credit Capture Index

Realistic benefit value as a percentage of marketed face value.

Southwest Rapid Rewards Priority98%
Capital One Venture X91%
Chase Sapphire Preferred84%
World of Hyatt70%
Bilt Palladium62%
American Express Gold59%
Citi Strata Premier50%
Chase Sapphire Reserve44%
American Express Platinum38%
Robinhood Gold Platinum29%
CardSavvy Research ยท 2026-05-20Methodology and full dataset