Sapphire Reserve for Business: 200k points for $30k spend is 6.7x, but only if you use credits.

Paying rent via Bilt with the Qatar Airways Visa Signature or Infinite earns 3 Avios per dollar on up to $50,000 a year, effectively buying Avios at 1 cent each after the 3% Bilt fee. The real signal is that a single credit card transaction qualifies your account to use those Avios for family via My List or Family & Friends — circumventing Qatar's June nominee restriction. Pair that with the Infinite card's first-year Gold status (oneworld Sapphire), which lets you book Qsuites for non-listed travelers by phone. Rent alone can also hit the $15,000 spend needed to activate the reward-fee rebate, turning the card into a self-funding Qsuite machine.

A targeted Citi Offer delivers $75 back on a single $325+ Hertz rental in the US, good for a 23% effective rebate. The catch: it must be a single transaction, paid by August 31, 2026, at a corporate-owned US location, in USD. You can still click through a shopping portal for extra earnings, but the offer cannot stack with other card-linked deals. Be aware that most Citi cards provide only secondary rental car coverage, so if primary coverage matters, factor that into your card choice.