Journey rewards bank cards entice new cardholders with flashy welcome presents and waived annual charges throughout the first yr. They’ll additionally make it easier to beat rising journey prices attributable to inflation.
Nonetheless, many premium rewards playing cards in the marketplace additionally supply ongoing journey advantages. These perks embrace airport lounge entry and World Entry or TSA PreCheck software charge reimbursements, in addition to annual assertion credit towards journey purchases.
These might be particularly helpful for stays at boutique lodges that are not a part of a serious loyalty program and even when utilizing ride-hailing apps to get out of your resort again to the airport.
Bank card journey credit can fluctuate from a flat $300 per yr for all kinds of journey purchases — as you get with the Chase Sapphire Reserve® — to as much as $200 per calendar yr as an announcement credit score particularly for non-ticket airline incidentals in your chosen provider with The Platinum Card® from American Specific (enrollment is required; phrases apply).
On this information, we’ll stroll by means of which bank cards have annual journey credit and the way versatile they’re for lodges, flights and every part in between.
Overview of playing cards with annual journey credit
A number of bank cards supply annual journey credit, which can assist offset parts of a visit the place money is required.
Nonetheless, the principles for utilizing these credit can fluctuate by card. Let’s take a look at the quantity of credit score you possibly can obtain on every card and its welcome bonus earlier than exploring the small print of what you possibly can and might’t use these credit for every year.
| Card | Annual journey credit score | Welcome supply | Annual charge |
|---|---|---|---|
| American Specific® Gold Card | As much as $120 in Uber Money for U.S. companies (as much as $10 Uber Money every month) per calendar yr. The cardboard have to be added within the Uber app to obtain Uber Money profit. Enrollment is required; phrases apply | 60,000 factors after spending $6,000 on eligible purchases together with your card inside the first six months of card membership. Plus, obtain 20% again in assertion credit on eligible restaurant purchases (as much as $100) inside the first six months of card membership. Phrases apply; supply ends Nov. 6 | $325 (see charges and costs) |
| Financial institution of America® Premium Rewards® bank card | As much as $100 in annual assertion credit score for airline incidental charges | 60,000 factors after spending $4,000 within the first 90 days from account opening | $95 |
| Financial institution of America® Premium Rewards® Elite bank card |
As much as $300 in annual assertion credit score for airline incidental charges | 75,000 factors after spending $5,000 within the first 90 days from account opening | $550 |
| The Enterprise Platinum Card® from American Specific | As much as $200 in assertion credit for incidentals on one chosen airline per calendar yr. Enrollment is required; phrases apply | 150,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership | $695 (see charges and costs) |
| Capital One Enterprise X Rewards Credit score Card | $300 in annual credit towards bookings made by means of Capital One Journey | 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening | $395 (see charges and costs) |
| Chase Sapphire Reserve | As much as $300 credit score for normal journey | 60,000 factors after spending $4,000 on purchases within the first three months from account opening | $550 |
| Citi Status® Card | As much as $250 for normal journey | Not obtainable to new candidates | $495 |
| Hilton Honors American Specific Aspire Card | As much as $400 per calendar yr (as much as $200 semi-annually) on eligible purchases made with Hilton Resorts and as much as $200 on flight purchases made instantly with the airline or by means of Amex Journey (as much as $50 per quarter) per calendar yr. Enrollment is required; phrases apply | 150,000 factors after spending $6,000 on purchases within the first three months of card membership | $550 |
| The Platinum Card from American Specific | As much as $200 in assertion credit for airline incidentals and as much as $200 in Uber Money for U.S. companies per calendar yr (as much as $15 every month January – November and as much as $20 in December). The cardboard have to be added within the Uber app to obtain Uber Money profit. Enrollment is required; phrases apply | 80,000 factors after spending $8,000 within the first six months of card membership (You could be focused for the next supply by means of the CardMatch software; supply topic to alter at any time) | $695 (see charges and costs) |
| Ritz-Carlton Rewards Credit score Card | As much as $300 in assertion credit for airline incidentals | Not obtainable to new candidates | $450 |
| U.S. Financial institution Altitude Reserve Visa Infinite® Card | As much as $325 for normal journey and eating purchases | 50,000 factors after spending $4,500 within the first 90 days of account opening | $400 |
The data for the Premium Rewards Elite, Citi Status, Hilton Amex Aspire, Ritz-Carlton and U.S. Financial institution Altitude Reserve playing cards 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.
American Specific Gold Card
The Amex Gold is mostly advisable for foodies, but it surely supplies some helpful journey advantages as nicely.
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Annual journey credit score: As much as $120 in Uber Money every calendar yr — as much as $10 month-to-month delivered within the type of Uber Money that can be utilized on U.S. Uber rides and Uber Eats purchases, making the credit exceptionally versatile. Enrollment is required; phrases apply.
Present welcome supply: Earn 60,000 bonus factors after spending $6,000 on eligible purchases together with your card inside the first six months of card membership. Plus, obtain 20% again in assertion credit on eligible restaurant purchases (as much as $100) inside the first six months of card membership. Provide ends 11/6.
You may be eligible for a larger focused supply through the CardMatch software; presents are topic to alter anytime.
Annual charge: $325
Different advantages: Amex Gold cardmembers earn 4 factors per greenback at eating places (on the primary $50,000 in purchases per calendar yr; then 1 level per greenback) and at U.S. supermarkets (on as much as $25,000 in purchases every calendar yr, then 1 level per greenback), 3 factors per greenback on flights booked instantly with airways or on amextravel.com, 2 factors per greenback on pay as you go lodges and different eligible purchases booked by means of amextravel.com and 1 level per greenback on different eligible purchases.
This card earns Membership Rewards factors, which you’ll switch to a complete of 21 airline and resort companions. As a cardmember, you possibly can earn as much as a complete of $10 in assertion credit month-to-month (as much as $120 in annual eating assertion credit every calendar yr) while you pay with the Amex Gold at Grubhub, The Cheesecake Manufacturing facility, Goldbelly, Wine.com and 5 Guys. Enrollment is required; phrases apply.
You may also earn as much as $84 per calendar yr (as much as $7 per 30 days) in assertion credit for Dunkin’ Donuts purchases within the U.S. and as much as $100 per calendar yr (as much as $50 biannually) for purchases made at Resy-affiliated eating places within the U.S. and on different eligible Resy purchases. Enrollment is required; phrases apply.
To study extra, learn our full evaluation of the American Specific Gold.
Apply right here: American Specific Gold Card
Financial institution of America Premium Rewards Credit score Card
With the chance to earn elevated rewards in the event you’re a member of the Financial institution of America Most well-liked Rewards® program, the Financial institution of America Premium Rewards is usually a sturdy addition to a traveler’s pockets.
Annual journey credit score: As much as $100 in assertion credit for airline incidentals like checked luggage, seat choice or upgrades every year.
Present welcome supply: Obtain 60,000 bonus factors after spending not less than $4,000 within the first 90 days of account opening.
Annual charge: $95
Different advantages: The Financial institution of America Premium Rewards card has a strong price of return. Cardholders earn 2 factors per greenback on journey and eating and 1.5 factors per greenback on every part else.
You possibly can enhance your earnings from 25% to 75%, relying on how a lot you will have in deposits with Financial institution of America and Merrill by means of the Financial institution of America Most well-liked Rewards program.
Factors might be redeemed for assertion credit, present playing cards and purchases by means of the Financial institution of America Journey Heart or as a deposit to a Financial institution of America account at a price of 1 cent apiece. The cardboard waives overseas change charges and can reimburse cardholders for a World Entry or TSA PreCheck software charge as soon as each 4 years (as much as $100).
To study extra, learn our full evaluation of the Financial institution of America Premium Rewards bank card.
Apply right here: Financial institution of America Premium Rewards Credit score Card
Financial institution of America Premium Rewards Elite Credit score Card
Regardless of its hefty annual charge, the Financial institution of America Premium Rewards Elite might be price contemplating for anybody closely invested within the Financial institution of America ecosystem.
Annual journey credit score: As much as $300 in assertion credit for airline incidentals like checked luggage, seat choice or upgrades every year.
Present welcome supply: Obtain 75,000 bonus factors after spending not less than $5,000 within the first 90 days of account opening.
Annual charge: $550
Different advantages: The Financial institution of America Premium Rewards Elite card mirrors the incomes charges on the Premium Rewards card: 2 factors per greenback on journey and eating and 1.5 factors per greenback on every part else.
Should you’re a Financial institution of America Most well-liked Rewards member, you possibly can earn a further 25% to 75% bonus factors on purchases, relying on how a lot you will have in deposits with Financial institution of America and Merrill. Factors might be redeemed for assertion credit, present playing cards and purchases by means of the Financial institution of America Journey Heart or as a deposit to a Financial institution of America account at a price of 1 cent apiece.
Cardholders additionally obtain a 20% low cost when paying for airfare with factors by means of the Journey Heart and as much as $100 in reimbursement for World Entry or TSA PreCheck software charges as soon as each 4 years.
Lastly, cardholders can obtain as much as $150 in assertion credit yearly for eligible purchases, comparable to video streaming companies, meals supply and ride-hailing companies.
Associated: The most effective premium bank cards: A side-by-side comparability
The Enterprise Platinum Card from American Specific
Should you personal a enterprise with a excessive month-to-month expenditure, the Amex Enterprise Platinum is a superb card to contemplate.
Annual journey credit score: As much as $200 in assertion credit on airline incidental charges charged by the provider on one choose airline every calendar yr.
Present welcome supply: Earn 150,000 bonus factors after spending $20,000 on eligible purchases inside the first three months of card membership.
Annual charge: $695
Different advantages: The Amex Enterprise Platinum presents related advantages as the non-public model and a few nice further ones.
The cardboard presents annual assertion credit to cardmembers for enterprise and journey bills with corporations like Dell, Adobe and Clear each calendar yr.
Cardmembers can earn 5 Membership Rewards factors per greenback on flights and pay as you go lodges booked by means of Amex Journey, 1.5 factors per greenback on eligible purchases in choose enterprise classes and eligible purchases of $5,000 or extra on as much as $2 million of those purchases per calendar yr and 1 level per greenback on every part else.
Cardmembers additionally obtain a 35% rebate when redeeming factors for airfare booked by means of Amex Journey (as much as 1 million factors per calendar yr) on their chosen qualifying airline or for business- or first-class tickets on any airline.
Enrollment is required for choose advantages; phrases apply.
To study extra, learn our full evaluation of the Amex Enterprise Platinum.
Apply right here: The Enterprise Platinum Card from American Specific
Capital One Enterprise X Rewards Credit score Card
The Capital One Enterprise X is likely one of the finest premium journey playing cards in the marketplace proper now.
Annual journey credit score: $300 in annual credit for bookings made by means of the Capital One Journey portal.
Present welcome supply: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Annual charge: $395 (see charges and costs)
Different advantages: The Capital One Enterprise X is a premium bank card that has garnered consideration within the factors and miles world. Cardholders earn 10 miles per greenback on resort and automobile leases booked by means of Capital One Journey, 5 miles per greenback on flights booked by means of Capital One Journey and a couple of miles per greenback on all different eligible purchases.
Capital One miles switch to 15-plus airline and resort loyalty applications, comparable to Air Canada Aeroplan, British Airways Government Membership and Turkish Airways Miles&Smiles.
Different Enterprise X advantages embrace limitless entry to Capital One and Precedence Cross lounges, a World Entry or TSA PreCheck assertion credit score, the flexibility to add quite a lot of approved customers free of charge (and share these lounge advantages; see charges and costs), 10,000 bonus miles as an anniversary bonus yearly and extra.
To study extra, learn our full evaluation of the Capital One Enterprise X.
Apply right here: Capital One Enterprise X Rewards Credit score Card
Chase Sapphire Reserve
The Chase Sapphire Reserve is likely one of the hottest bank cards we suggest right here at TPG, and for good motive.
Annual journey credit score: $300 annual journey credit score as reimbursement for a broad vary of journey purchases charged to your card every account anniversary yr.
This credit score will apply routinely to the primary $300 spent on journey, and purchases coated by this credit score do not qualify for bonus points-earning charges.
Present welcome supply: Earn 60,000 bonus factors after spending $4,000 on purchases within the first three months from account opening.
Annual charge: $550
Different advantages: The Chase Sapphire Reserve is broadly thought-about to be among the finest all-around journey rewards bank cards, due to its slate of chart-topping advantages.
Along with that annual journey assertion credit score, cardholders earn 10 factors per greenback on automobile leases and lodges booked by means of Chase Journey℠, 10 factors per greenback on Lyft rides (by means of March 2025), 5 factors per greenback on flights booked by means of Chase Journey, 3 factors per greenback on different journey and eating worldwide and 1 level per greenback on every part else.
Final Rewards factors switch to 11 airline companions, together with Southwest and Air Canada, and three resort companions, together with Hyatt, IHG and Marriott. Factors might also be redeemed instantly by means of Chase Journey for 1.5 cents apiece.
Cardholders can entry Precedence Cross lounges and be reimbursed as much as $100 as soon as each 4 years for a Nexus, World Entry or TSA PreCheck software charge.
Different advantages embrace a complimentary two-year Lyft Pink membership (when activated by Dec. 31), a complimentary DashPass from DoorDash (when activated by Dec. 31, 2027) and a variety of journey protections.
To study extra, learn our full evaluation of the Chase Sapphire Reserve.
Apply right here: Chase Sapphire Reserve
Citi Status Card
Though the Citi Status is now not open to new candidates, present cardholders can make the most of its journey advantages.
Annual journey credit score: As much as $250 price of annual journey assertion credit every calendar yr towards journey purchases, together with airline tickets, resort stays, automobile leases, commuter transportation, subways, taxis, practice tickets and extra. This credit score applies routinely.
Present welcome supply: The cardboard is now not obtainable to new candidates.
Annual charge: $495
Different advantages: Should you’re a Citi Status cardholder, you earn an unbelievable 5 factors per greenback at eating places, on air journey and with journey companies. Cardholders additionally earn 3 factors per greenback at lodges and on cruise traces and 1 level per greenback on all different purchases.
Citi ThankYou factors switch to twenty airline and resort accomplice applications, together with Air France-KLM Flying Blue, Virgin Atlantic Flying Membership and Wyndham Rewards.
As a cardholder, you possibly can enter Precedence Cross lounges and obtain the fourth night time free on as much as two resort stays per yr when reserving by means of Citi concierge or at ThankYou.com.
With this card, you will not pay overseas transaction charges, and you may obtain World Entry or TSA PreCheck software charge reimbursement as soon as each 5 years.
Be taught extra: Citi Status
Hilton Honors American Specific Aspire Card
The Hilton Amex Aspire is Hilton’s top-of-the-line bank card. It presents a variety of advantages for avid Hilton followers.
Annual journey credit score: As much as $400 per calendar yr (as much as $200 semi-annually) on eligible purchases made with Hilton Resorts and as much as $200 on flight purchases made instantly with the airline or by means of Amex Journey per calendar yr (as much as $50 per quarter). Enrollment is required; phrases apply.
Present welcome supply: Earn 150,000 bonus factors after spending $6,000 in purchases on the cardboard inside the first three months of card membership.
Annual charge: $550
Different advantages: The Hilton Honors Aspire earns a whopping 14 factors per greenback on Hilton purchases, 7 factors per greenback on flights booked by means of Amex Journey or instantly with airways, on automobile leases and at U.S. eating places and three factors per greenback on every part else.
The Hilton Amex Aspire presents automated top-tier Hilton Honors Diamond standing and an annual free night time reward. Cardmembers additionally stand up to $100 in credit for qualifying expenses at taking part Waldorf Astoria Inns & Resorts and Conrad Inns & Resorts when reserving two-night-minimum stays by telephone. Enrollment is required for choose advantages; phrases apply.
Be taught extra: Hilton Honors American Specific Aspire
The Platinum Card from American Specific
Potential cardmembers could increase their eyebrows at its annual charge, however the Amex Platinum comes with a variety of advantages to justify its value.
Annual journey credit score: As much as a $200 assertion credit score on airline incidental charges together with your most popular airline every calendar yr. Sadly, airfare itself doesn’t depend per the phrases. Cardmembers may also rating as much as $200 in annual Uber Money each calendar yr (for U.S. companies, as much as $15 per 30 days Jan. – Nov. and as much as $20 in Dec.) after including their Card within the Uber app.
Present welcome supply: Earn 80,000 bonus factors after spending $8,000 within the first six months. You could be eligible for a larger focused supply through the CardMatch software; presents are topic to alter at any time.
Annual charge: $695
Different advantages: The Amex Platinum Card has loads of perks to justify its excessive annual charge. Cardmembers earn 5 factors per greenback on airfare booked instantly with an airline or by means of American Specific Journey (on as much as $500,000 on these purchases per calendar yr, then 1 level per greenback), 5 factors per greenback on pay as you go lodges booked by means of American Specific Journey and 1 level per greenback on every part else.
This card earns Membership Rewards factors, which you’ll switch to a complete of 21 airline and resort companions. Cardmembers may also obtain as much as $200 in annual credit for sure resort bookings each calendar yr, an as much as $199 reimbursement for his or her annual Clear Plus membership charge every calendar yr and an announcement credit score for a World Entry ($100, each 4 years) or TSA PreCheck (as much as $85, each 4½ years) software charge. Enrollment is required for choose advantages; phrases apply.
The cardboard will get you into Centurion Lounges and presents Precedence Cross lounge entry, plus Delta Sky Membership entry while you’re on a same-day Delta flight (restricted to 10 annual visits from Feb. 1, 2025). At lodges, take pleasure in value-added advantages when reserving stays by means of Amex Tremendous Inns + Resorts plus Gold standing with Hilton Honors and Gold Elite standing with Marriott. Enrollment required for choose advantages.
To study extra, learn our full evaluation of the Amex Platinum.
Apply right here: The Platinum Card from American Specific
Ritz-Carlton Rewards Credit score Card
Though the Ritz-Carlton card is now not open to new candidates, it’s doable to product-change to this card from one among Chase’s Marriott Bonvoy cobranded playing cards.
Annual journey credit score: As much as $300 in credit for airline lounge day passes or membership, airline seat upgrades, airline baggage charges, inflight Wi-Fi/leisure or inflight meals. You will want to message Chase to manually request these credit.
Present welcome supply: Not open to new candidates.
Annual charge: $450
Different advantages: The Ritz-Carlton Card presents extra to vacationers than simply the $300 in annual journey credit. Extra advantages embrace an annual free night time award price as much as 50,000 factors, a Precedence Cross Choose membership and Gold Elite standing with Marriott Bonvoy.
Cardholders additionally might be reimbursed for his or her software charges for World Entry or TSA PreCheck each 4 years and obtain a $100 resort credit score towards eating, spa remedies or different resort leisure actions on paid stays of two nights or longer at Ritz-Carlton and St. Regis properties.
Associated: Finest Marriott bank cards
U.S. Financial institution Altitude Reserve Visa Infinite Card
The U.S. Financial institution Altitude Reserve is an underrated premium journey card and an important alternative for many who wish to preserve their pockets easy.
Annual journey credit score: As much as $325 in assertion credit per cardmember yr for purchases made instantly with airways, lodges, automobile rental corporations, taxis, limousines, passenger trains and cruise traces. It may also be utilized to eating places (plus takeout and supply) and fast-food and bar purchases.
Present welcome supply: Earn 50,000 bonus factors after spending $4,500 inside 90 days of account opening.
Annual charge: $400
Different advantages: U.S. Financial institution Altitude Reserve Visa cardholders earn 5 factors per greenback on pay as you go resort bookings and automobile leases made by means of the Altitude Rewards Heart, 3 factors per greenback on journey and eligible cellular pockets purchases and 1 level per greenback on every part else.
Cardholders can redeem factors for 1.5 cents apiece on airfare, lodges and automobile leases booked by means of the Altitude Rewards Heart and for decrease values for different purchases. If used largely for journey, your price of return is a substantial 4.5% on most purchases.
As a cardholder, you will additionally take pleasure in eight Precedence Cross passes for airport lounge entry, reimbursement for a World Entry or TSA PreCheck software charge each 4 years and waived overseas transaction charges.
Be taught extra: U.S. Financial institution Altitude Reserve Visa Infinite Card
Backside line
Whether or not you favor a journey rewards card that earns transferable factors, a cobranded resort card or a card that earns fixed-value factors, some phenomenal choices supply annual journey assertion credit.
Selecting one among them will make sure you proceed to get worth out of your bank card lengthy after you’ve got earned its welcome bonus and paid its annual charge.
Associated: 12 bank cards that may get you $1,000 or extra in first-year worth
For charges and costs of the Amex Platinum, click on right here.
For charges and costs of the Amex Enterprise Platinum, click on right here.
For charges and costs of the Amex Gold, click on right here.
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