What is a credit adjustment on my statement?

Whenever you get a refund, whether you return an item or utilize a credit card benefit, you’ll see a credit adjustment on your credit card statement. You don’t have to pay the credited amount when your card’s bill comes due.

What is a statement credit?

A statement credit is the opposite of a payment in that you get money credited back to your account. It reduces your credit card bill instead of adding to it. This is a common type of credit card benefit.

How do you use statement credits?

Depending on the exact type of statement credit and which issuer is offering it, you might need to enroll and go through a process to use it. Some banks make it easy, and you can automatically use statement credits by swiping your card. How you receive the credit depends on the exact terms and conditions.

What is travel statement credit?

A travel statement credit is a statement credit specifically for travel purposes. Different banks have different definitions of travel. Some are extremely broad, and some are pretty restrictive. To find out what qualifies, check the terms and conditions of your credit card.

Is a statement credit taxable?

Generally, statement credits are considered refunds are therefore not taxable. This isn’t financial advice, so consult your local tax professional.

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The Ultimate Guide to Credit Card Statement Credits [Travel, Airline, Uber, Shopping, and Dining]

Updated: September 9, 2025, 10:02am CDT

Edited by:

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Table of Contents

What Are Credit Card Statement Credits?
What Types of Statement Credits Are There?
Final Thoughts

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The U.S. credit card rewards market is competitive, and rich rewards programs have emerged as credit card issuers vie for market share.

Though every credit card issuer takes a different approach to crafting a target market and suite of credit cards and benefits, the perks offer may be similar. Credit card statement credits are among the many benefits offered by the biggest players in the room: American Express, Bank of America, Capital One, Chase, and Citi.

This guide dissects credit card statement credits so you can understand which cards offer the best credits. We’ve got a lot to cover, so let’s get started.

What Are Credit Card Statement Credits?

Credit card statement credits are a cardholder benefit on some credit cards. These credits offer a partial or full refund of specific charges on your credit card account after a qualifying activity is completed.

For example, if your card offers a $100 airfare travel credit with a specific airline and you spend it on a qualifying plane ticket, you get refunded up to $100. This essentially discounts the cost of your ticket by $100.

If you make the right purchases on the right cards, you can get money back. It’s like getting free money.

Hot Tip:

Each credit card issuer has unique rules on what purchases count towards statement credits, so it’s essential to read the terms and conditions of each credit card’s benefits carefully before making purchases.

What Types of Statement Credits Are There?

There are numerous types of statement credits, including, but not limited to, dining, airline fees, inflight Wi-Fi, and hotel spending.

Let’s discuss statement credits, ordered from highest to lowest in popularity and recognition.

General Travel Credits

A general travel credit can encompass various transactions, making it easy to use. It’s one of the most useful cardholder perks, along with airport lounge access and spending bonus categories.

Chase Sapphire Reserve^®

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome OfferEarn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points

UP's Offer Valuation*:
$2,500

Annual Fee

$795

APR

20.24% - 28.74% Variable

Credit Recommended

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

8x points on all Chase Travel purchases
5x points on Lyft rides
4x points on flights and hotels booked directly

Cons

$795 annual fee

Read Full Review

Card Highlights

Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
Member FDIC

Financial Snapshot

APR: 20.24% - 28.74% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card has long been one of the most valuable travel rewards credit cards on the market.

The ultrapremium card offers numerous benefits, including 8 points per $1 spent on Chase Travel bookings, 4x points on airlines and hotels booked directly, and 3x points on dining. Cardholders receive airport lounge access, elite benefits, car rental privileges, travel protections, and more.

The Chase Sapphire Reserve comes with several options to earn statement credits, which we’ll cover more below, but the most useful credit for most people is the $300 annual travel credit. Every cardmember year, you are eligible to get $300 in total reimbursements for the following categories:

Airlines
Hotels
Campgrounds
Car rental agencies
Cruise lines
Discount travel sites
Motels
Operators of passenger trains, buses, taxis, limousines, and ferries
Parking lots and garages
Timeshares
Toll bridges and highways
Travel agencies

Whether you make a single purchase greater than $300 or multiple small purchases totaling up to $300, you get reimbursed the full amount as long as the purchases fall under these categories.

Because the definition is so broad, it’s easy to get the full value out of this $300 travel credit.

Travel Portal Credits

Capital One entered the luxury credit card market with the Capital One Venture X Rewards Credit Card and Capital One Venture X Business Card, both of which offer cardholders an annual $300 travel credit.*

Capital One Venture X Rewards Credit Card

U.P. Rating

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome OfferEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles

UP's Offer Valuation*:
$1,350

Annual Fee

$395

APR

Purchases: 19.99% - 29.24% (Variable)

Credit Recommended

Excellent (740-840)

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Pros & Cons

Pros

10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
2x miles per $1 on all other purchases

Cons

$395 annual fee
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck^®

Financial Snapshot

APR: Purchases: 19.99% - 29.24% (Variable)
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Capital One Venture X Business Card

U.P. Rating

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks. The information regarding this card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Capital One Venture X Business Card

Welcome OfferEarn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.
150,000 miles

UP's Offer Valuation*:
Up to   $2,700

Annual Fee

$395

APR

All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.

Why We Like This Card

The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros & Cons

Pros

10x miles per dollar on hotels and rental cars purchased through Capital One’s travel booking site
5x miles per dollar on flights and vacation rentals purchased through Capital One’s travel booking site
2x miles per dollar on all other purchases

Cons

$395 annual fee
10x and 5x bonus categories are limited to Capital One’s travel booking site

Read Full Review

Card Highlights

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck^®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month

Financial Snapshot

APR: All charges made on this account are due and payable in full when you receive your periodic statement. The minimum payment due is the New Balance as indicated on your statement.
Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The travel credit benefit for these cards is more restricted than others. You must redeem it by booking travel on Capital One Travel. However, the portal offers a variety of flights, rental cars, and hotels, making the credit easy to use each year.

Airline Fee Credits

British Airways Boeing 777 200 Club World UVF checked bag — Your airline fee statement credit may cover checked bag fees. Image Credit: Daniel Ross

As airlines continue to find ways to charge passengers more with fees, some American Express and other cards offer airline incidental fee credits. Using an airline incidental fee credit is more involved than a general travel credit or even a travel portal credit. Eligible fees for airline fee credits typically include checked bags, seat selections, and inflight refreshments

While it’s not completely clear what is considered eligible, American Express outlines ineligible purchases as follows:

Airline tickets
Award tickets (taxes and fees)
Duty-free purchases
Gift cards
Mileage points purchases
Mileage points transfer fees
Upgrades

This is more restrictive than general or portal travel credits, as you can’t use the fee credit to buy airplane tickets, for example. To use American Express airline fee credits, you must activate and select from one of the following airlines:

Alaska Airlines
American Airlines
Delta Air Lines
Hawaiian Airlines
JetBlue Airways
Spirit Airlines
Southwest Airlines
United Airlines

These credits don’t cover the ticket cost itself, but they can help absorb costs associated with flying, including baggage fees and seat selection.

The Business Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome OfferEarn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points

UP's Offer Valuation*:
Up to   $3,300

Annual Fee

$695

APR

18.49% - 29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)

Cons

High annual fee of $695 (rates & fees)
Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card^® and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.

Financial Snapshot

APR: 18.49% - 29.24% Variable
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250,000 points with the Amex Business Platinum card. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card offers thousands of dollars in value through its benefits every single year, and we believe that having this card is absolutely worth it.

Besides the fact that you earn 5 points per $1 spent on AmexTravel.com purchases and get access to thousands of airport lounges worldwide (including Centurion Lounges), you also get an up to $200 airline fee credit every calendar year (enrollment and airline selection required).

In addition to the $200 airline fee credit, you get up to a $200 Hilton statement credit (upon enrollment), and a TSA PreCheck or Global Entry application fee credit. You also get Marriott Bonvoy Gold Elite and Hilton Honors Gold status upon enrollment.

Bottom Line:

The Amex Business Platinum card is one of the best Amex business cards available. Besides the up to $200 airline fee credit, you get a slew of travel perks just by holding the card. Don’t sleep on this card if you want to upgrade your travel!

The Platinum Card^® from American Express

NEW OFFER

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome OfferYou may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:
Up to $3,850

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

$695 annual fee (rates and fees)
Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

You may be eligible for as high as 175,000 Membership Rewards^® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel^® up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel^®.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney+ bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
Enjoy the benefits of the Global Lounge Collection, with over $500 of annual value if you visit Centurion Lounges and each of our partner lounges including Delta Sky Club^® lounges when flying an eligible Delta flight (subject to visit limitations) , select Lufthansa lounges when flying Lufthansa, Plaza Premium lounges and Escape Lounges, and enroll in Priority Pass Select. See terms.
A Walmart+ membership can get you free shipping with no order minimum on eligible items shipped by Walmart. Use your Platinum Card^® to pay for a monthly Walmart+ membership (subject to auto-renewal) and receive one statement credit for up to $12.95 (plus applicable taxes. Plus Ups not eligible) each month. Free Shipping excludes most Marketplace items, freight & certain location surcharges. Paramount+ Essential plan only, separate registration required.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
$200 Uber Cash: Platinum Card^® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
$199 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. Receive up to $199 in statement credits per calendar year after you pay for your CLEAR Plus Membership (subject to auto-renewal) with the Platinum Card^®.
Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
Use Global Dining Access by Resy to access premium dining experiences. Receive Priority Notify and unlock insider access to some of the world's most sought-after restaurants with Global Dining Access by Resy. Download the Resy iOS app or log into Resy.com and add your Platinum Card^® to your Resy profile to take advantage of your special benefits and discover restaurants near you.
$695 annual fee.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

The Amex Platinum card is what American Express is known for.

This quintessential Amex card is loaded with perks. As with the Amex Business Platinum card, the Amex Platinum card offers an up to $200 airline fee credit upon enrollment, among other benefits.

You earn a whopping 5 Membership Rewards points per $1 spent on flights purchased directly with the airline or on AmexTravel.com (up to $500,000 per year, then 1 point per $1). You also earn 5x Membership Rewards points on prepaid hotels booked with AmexTravel.com. Considering that we value each Membership Rewards point at around 2 cents per point, you get an unbeatable 10% return in these categories.

What’s better is that you get so many other perks even if you don’t spend on this card daily. You get benefits like access to the Global Lounge Collection, the only card airport lounge access program with proprietary lounge locations worldwide (including Centurion Lounges). You also get complimentary access to the Fine Hotels + Resorts program, which provides an average total value of $550 per stay.

In addition to the aforementioned airline fee credit, you get a laundry list of other statement credits for prepaid hotels, Saks Fifth Avenue, Uber, digital entertainment, Equinox, CLEAR Plus, and a TSA PreCheck or Global Entry application fee credit. Some credits require enrollment.

All of these factors, plus the complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (upon enrollment), make having this card a no-brainer for most travelers.

Hilton Honors American Express Aspire Card

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Welcome OfferEarn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
150,000 points

UP's Offer Valuation*:
Up to   $750

Annual Fee

$550

APR

20.24%-29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons

Pros

14x points per $1 on Hilton purchases
7x points per $1 on flights booked directly with airlines or through American Express Travel, car rentals booked directly with select car rental companies, and at U.S. restaurants
3x points per $1 on all other eligible purchases

Cons

High annual fee of $550 (rates & fees)

Read Full Review

Card Highlights

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
Card Members can earn 3X Points on all other eligible purchases.
Enhance your hotel stay with complimentary Hilton Honors™ Diamond Status and enjoy a world of hotel privileges and benefits. Get exclusive perks at any of Hilton's 24 hotel brands, like a 100% Bonus on Base Points earned on every stay, Premium Wi-Fi and space-available room upgrades at select properties, and more.
Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
$400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
$200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with an airline or through amextravel.com using your Hilton Honors American Express Aspire Card.
Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
$209 CLEAR^® Plus Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR Plus Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
$100 Property Credit: How it Works: To receive up to $100 in credits for qualifying hotel charges, book a 2-night minimum stay at participating Waldorf Astoria^® Hotels & Resorts and Conrad^® Hotels & Resorts with your Card through hiltonhonorsaspirecard.com and select the Aspire Card Benefit rate option on the booking page or call Hilton Honors at (855) 292-5757 with the proper booking reference. See Terms & Conditions for further details.
Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental^® Emerald Club Executive^® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: 20.24%-29.24% Variable
Foreign Transaction Fees: None

The Hilton Aspire card has a lot going for it. If you look at the benefits it offers, you might feel the immediate need to apply for this card.

You wouldn’t be alone, because it offers unprecedented points-earning multipliers, complimentary top-tier Hilton Honors Diamond status (including suite upgrades), and a Free Night Reward on every cardmember anniversary. In some ways, it’s similar to the Amex Platinum card.

Here’s what you can expect to get in terms of valuable statement credits from the Hilton Aspire card:

Up to $200 airline fee credit
Up to $400 Hilton Resort credit
$100 property credit at Waldorf Astoria and Conrad properties

Bank of America^® Premium Rewards^® Credit Card

The Bank of America Premium Rewards card is Bank of America’s flagship rewards credit card offering. You can earn 2 points per $1 on travel and dining and 1.5 points per $1 elsewhere.

Bank of America^® Premium Rewards^® credit card

U.P. Rating

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.

Bank of America^® Premium Rewards^® credit card

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.

Welcome OfferEarn 60,000 bonus points after you spend at least $4,000 in purchases in the first 90 days of account opening.
60,000 points

UP's Offer Valuation*:
$600

Annual Fee

$95

APR

20.24% - 27.24% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Bank of America^® Premium Rewards^® credit card is a great option for anyone looking for a travel rewards card with a simple approach to how you earn and redeem your rewards.

From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.

Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!

Pros & Cons

Pros

2x points per $1 on travel and dining purchases
1.5x points per $1 on all other purchases
Up to $100 annual airline incidental statement credit

Cons

$95 annual fee
Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners

Read Full Review

Card Highlights

Receive 60,000 online bonus points – a $600 value – after you make at least $4,000 in purchases in the first 90 days of account opening.
Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
No limit to the points you can earn and your points don’t expire.
Redeem for cash back as a statement credit, deposit into eligible Bank of America^® accounts, credit to eligible Merrill^® accounts, or gift cards or purchases at the Bank of America Travel Center.
Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck^® or Global Entry Statement Credits of up to $120, every four years.
No foreign transaction fees.
Low $95 annual fee.
This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

Financial Snapshot

APR: 20.24% - 27.24% Variable
Foreign Transaction Fees: None

Although not an ultrapremium credit card, this card offers up to $200 in statement credits as follows:

Up to $100 airline incidental fee credit
TSA PreCheck or Global Entry application fee statement credit of up to $120 every 4 years

Qualifying transactions for incidentals are those on flights with domestic departure airports on certain U.S. airline carriers, including:

Airport lounge fees
Checked baggage fees
Inflight entertainment
Onboard food and beverage charges
Preferred seating upgrades
Ticket change and cancellation fees

Here’s what doesn’t count:

Airline ticket purchases
Award tickets and fees incurred with airline alliance partners
Duty-free purchases
Gift cards
Mileage point purchases
Mileage point transfer fees

The fee credit functions more like the American Express airline incidental fee credit than the Chase Sapphire Reserve card.

Crystal^® Visa Infinite^® Credit Card

City National Bank is a private bank focused on affluent consumers, particularly in media. Its ultrapremium credit card is the Crystal Infinite card.

Besides earning 3 points per $1 spent on airline, hotel, taxi (including Uber and Lyft), limousine, rental car, train, bus, and dining (including fast food and takeout) purchases, and 1 point per $1 spent on all other purchases, you get a $350 statement credit for airline fees. Authorized users do not get additional statement credits.

The airline fee credit counts for eligible U.S. airline carriers and includes:

Ticket change and cancellation fees
Checked baggage fees
Inflight entertainment
Onboard food and beverage charges
Airport lounge membership fees and day passes
Onboard wireless charges (excluding Gogo inflight Wi-Fi)

You can receive other benefits found here.

The Ritz-Carlton™ Credit Card

The Ritz-Carlton card is a Chase credit card is no longer available to new applicants. However, you can upgrade a Chase Marriott Bonvoy card to the Ritz-Carlton card as long as you’ve had the previous card for at least 12 months.

If you have the card, you get these benefits (among other perks):

6x Marriott Bonvoy points per $1 at Marriott properties
3x Marriott Bonvoy points per $1 on dining, car rentals, and airline purchases
2x Marriott Bonvoy points per $1 on all other purchases
$300 annual travel credit per calendar year
Free Night Certificate every year after account anniversary, valid for a 1-night stay at a property with a redemption level of up to 85,000 points
Automatic Marriott Bonvoy Gold Elite status
15 Elite Night Credits each calendar year

This travel credit applies to airline expenses but functions a little differently than other credits in that you must call 855-896-2222 after your purchase has been processed to apply it.

Here are the purchases that aren’t tickets that count toward the $300 travel credit:

Airline baggage fees
Airline lounge membership or day pass fees
Airline seat upgrades
Inflight entertainment and internet (Gogo inflight Wi-Fi counts)
Inflight meals

To learn more about the Ritz-Carlton card, click here.

Southwest Airlines Annual Travel Credit

Southwest 737 800 ATL — Fly high with Southwest. Image Credit: Alberto Riva

Chase is the exclusive issuer of co-branded Southwest credit cards. With 4 cards available, there are lots of ways to earn Southwest Rapid Rewards points. Interestingly, only a single Southwest credit card offers a travel credit.

Southwest Rapid Rewards^® Priority Credit Card

LIMITED TIME OFFER

Southwest Rapid Rewards^® Priority Credit Card

U.P. Rating

This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

Southwest Rapid Rewards^® Priority Credit Card

This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

Welcome OfferOur best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening.
100,000 points

UP's Offer Valuation*:
$1,300

Annual Fee

$229

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Southwest Rapid Rewards^® Priority Credit Card is the most premium personal Southwest card offering from Chase. When you peel back the curtain, it is easy to see why.

Not only does the card offer multiple bonus categories to help you earn more Southwest Rapid Rewards points, but it is also loaded with benefits that are sure to offer quite a bit of value to Southwest flyers.

Here is a full overview of the card to help you decide if it is a good fit for your wallet.

Pros & Cons

Pros

4x points on Southwest Airlines eligible purchases
2x points at gas stations and restaurants, with no annual cap
2x points per $1 on local transit and commuting, including rideshare purchases (through December 31, 2025)

Cons

$229 annual fee
Does not earn transferable points

Read Full Review

Card Highlights

Limited Time Offer: Our best points offer this year, earn 100,000 bonus points after spending $4,000 on purchases in the first 5 months from account opening.
7,500 anniversary points each year.
Earn 4 points per $1 spent on Southwest Airlines^® purchases, including flights, inflight, and Southwest gift cards.
Earn 2 points for every $1 you spend at gas stations and restaurants
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
Select a Preferred seat at booking, at no additional charge, when available.*
Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
No foreign transaction fees.
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

The Southwest Priority card has a $75 Southwest travel credit each cardmember year (ends December 31, 2025).

You receive a generous welcome bonus offer after being approved for the card and meeting the spending requirements, as well as a bonus of 7,500 points after every anniversary.

Hot Tip:

Learn more about the Southwest Airlines Rapid Rewards loyalty program and how the Companion Pass can get you serious savings.

The $75 Southwest travel credit can be used for all Southwest Airlines purchases except:

Upgraded Boardings
Inflight purchases

Plus, you get statement credits for 4 Upgraded Boardings (A1 to A15) per year when available (ends December 31, 2025)!

Hot Tip: Starting in 2026, the Southwest Priority card will deliver even greater benefits to frequent fliers. They include Preferred or Standard seat selection at booking with no additional charge (when available), free unlimited upgrades to an Extra Legroom seat within 48 hours prior to departure (when available), and Group 5 boarding for earlier access to overhead bin space. Find out more about the changes Southwest is making to its air travel experience here.

Reward Flight Statement Credit

One of the most interesting statement credits is a reward flight statement credit, because you’re always on the hook for taxes and fees whenever you book award travel.

A significant component of those taxes and fees is fuel surcharges. If you book a British Airways award ticket, for example, you can expect to pay one-way business class fuel surcharges of $500 and one-way first class fuel surcharges of $900. Obviously, this puts a massive dent in your wallet.

That’s where the reward flight statement credit comes in. You can get a card that can offset these taxes and fees through a statement credit.

British Airways Visa Signature^® Card

LIMITED TIME OFFER

British Airways Visa Signature^® Card

U.P. Rating

This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

British Airways Visa Signature^® Card

This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

Welcome OfferLimited-Time Offer: Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
85,000 Avios

UP's Offer Valuation*:
$1,063

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The British Airways Visa Signature^® Card is a stellar option for travelers who regularly travel with the airline. From all of the Avios the card helps you earn, to a 10% discount off cash tickets, and the award flight statement credits, you can get tons of value out of the card each year.

Pros & Cons

Pros

3x Avios per $1 on British Airways, Aer Lingus, Iberia, and LEVEL purchases
2x Avios per $1 on hotel accommodations purchased directly through hotels
1x Avios per $1 on all other purchases

Cons

$95 annual fee
Does not earn transferable rewards

Read Full Review

Card Highlights

Limited-Time Offer: Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years.
Pay no foreign transaction fees when you travel abroad.
Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

Rewards Center

British Airways Executive Club

The only credit card that offers a statement credit specifically for reward flight taxes and fees is the British Airways Visa card.

Also, if you spend $30,000 in a calendar year, you earn a Travel Together Ticket that enables you to get a second award seat for a companion on the same flight in the same cabin when you book a reward flight on a British Airways mainline flight originating in and returning to the U.S. You just have to pay for the taxes and fees.

If you pay for your British Airways reward flight taxes and fees with the British Airways Visa card, you receive a statement credit of $100 for an economy or premium economy booking or $200 for a business or first class booking. You can receive 1 statement credit per reservation up to 3 times per year.

If you book 3 business or first class award reservations, you can earn up to $600 in reward flight statement credits per year!

Bottom Line:

This unique benefit is a welcome addition to the statement credit world, and it goes a long way to easing the fees on British Airways award travel.

Uber Credits

The ride-sharing app Uber makes personal and business travel easier. If you have the right card, you can get free Uber rides, meals via Uber Eats, and even elite status!

Amex Platinum Card

The Amex Platinum card comes with up to $200 in annual Uber Cash. The benefit is split into $15 monthly increments, plus an additional $20 in December. You also become an Uber VIP, connecting you to drivers with at least a 4.8-star rating and “high-quality cars.”

To use it, you must add your Amex Platinum card to your Uber account. Once you add your card, you’ll see Uber Cash as a payment option. Choose that and begin taking rides. To redeem the Amex Uber Cash benefit, you must select an Amex Card as the payment method for your Uber or Uber Eats transaction.

American Express^® Gold Card

Like the Amex Platinum card, the Amex Gold card receives up to $10 in Uber Cash per month, up to $120 a year, for U.S. Uber Eats and Uber rides. To receive this benefit, you must add an Amex card as your payment method within the Uber app.

Delta American Express cards

Several co-branded Delta American Express cards also offer statement credits for UberOne membership. If you use an eligible Delta SkyMiles card to pay for an auto-renewing monthly Uber One membership before June 25, 2026, you receive up to $9.99 back each month.

The following cards get up to 12 months of statement credits

Cardholders of the Delta SkyMiles^® Gold American Express Card or Delta SkyMiles^® Gold Business American Express Card can receive up to 6 months of Uber One membership statement credits.

Lyft Credits

Chase Sapphire Reserve

In addition to earning 5x points on Lyft purchases, the Chase Sapphire Reserve let you earn up to $120 annually in Lyft statement credits. You can get up to $10 in monthly in-app credits on Lyft rides through 9/30/2027.

Saks Fifth Avenue Credit

In the spirit of unique benefits, Amex also offers a shopping credit for Saks Fifth Avenue purchases on some cards.

Amex Platinum Card

The ultrapremium Amex Platinum card offers the Saks Fifth Avenue credit, with 2 equal statement credits up to $50 each half of the year. Specifically, you get up to $50 from January to June and another $50 from July to December.

This credit is valid only at Saks Fifth Avenue online or at U.S. and U.S. territories stores. It’s not valid for Saks Fifth Avenue gift cards, purchases at outlets (either in a store or online), restaurant purchases within the store, online bill pay for Saks credit, online purchases shipped outside the U.S., or at Saks OFF 5th.

To use this benefit, you need to enroll and make a qualifying purchase. You should see a statement credit within 2 to 4 weeks.

Walmart+ Credit

Another shopping credit offered by a few cards is a statement credit for a Walmart+ membership.

Amex Platinum Card

The Amex Platinum card offers a full credit for a Walmart+ membership. If you use your card for the monthly cost of $12.95, you get a statement credit for the full amount. This can be an annual savings of around $155.

American Express^® Business Gold Card

The Amex Business Gold card has a similar benefit. When you use your card to pay for your Walmart+ membership each month, you receive a full statement credit.

Dining Credits

Chase Sapphire Preferred Sapphire Reserve Amex Gold Dining 2 Upgraded Points LLC — Eat well with the right cards. Image Credit: Upgraded Points LLC

With gourmet dining worldwide and a growing need for convenience, it’s unsurprising that people are spending a lot at restaurants and on food delivery. Dining credits can help offset some costs, so let’s glance at how you can get dining credits.

Amex Gold Card

NEW OFFER

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome OfferYou may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 Points. Find Out Your Offer.

UP's Offer Valuation*:
Up to   $2,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Good to Excellent

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

$325 annual fee (rates and fees)
No lounge access

Read Full Review

Card Highlights

You may be eligible for as high as 100,000 Membership Rewards^® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards^® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

Financial Snapshot

APR: See Pay Over Time APR
Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer as high as 100,000 points with the Amex Gold card. Welcome offers may vary and you may not be eligible for an offer.

A few cards offer dining credits, and one of the best is the Amex Gold card. Incidentally, the Amex Gold card also offers many key benefits that foodies and travelers will love.

The Amex Gold card is one of the most useful cards and has an epic earning structure:

4 Membership Rewards points per $1 at restaurants worldwide on up to $50,000 per calendar year in purchases (1x thereafter)
4 Membership Rewards points per $1 spent at U.S. supermarkets, on up to $25,000 per calendar year in purchases (1x thereafter)
3 Membership Rewards points per $1 spent on flights booked directly with the airline, as well as airfare, prepaid hotels, and cruises booked through AmexTravel.com
1 Membership Rewards point per $1 spent on all other purchases

Besides the jaw-dropping points-earning categories for normal spending, you get up to a $10 statement credit per month (up to $120 per year) at participating restaurants, including Grubhub, the Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. All you have to do is enroll and make purchases at these restaurants with your Amex Gold card, and you’re all set!

You can also enroll your Amex Gold card to earn up to $7 monthly in statement credits for purchases at U.S. Dunkin’ locations.

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card has an annual $300 dining credit, with up to $150 in statement credits from January through June and another $150 from July through December each year. These statement credits are good at restaurants in Chase’s Sapphire Reserve Exclusive Tables collection.

In addition to the $300 dining credit, Chase Sapphire Reserve cardholders get a complimentary DoorDash DashPass membership. That means you have no delivery fees and reduced service fees on eligible DoorDash orders. You also get up to $25 in DoorDash statement credits, with a $5 monthly promo to spend on restaurant orders and two $10 credits each month to save on groceries, retail orders, and more. These DoorDash credits are good through at least December 31, 2027.

Marriott Bonvoy Brilliant^® American Express^® Card

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Marriott Bonvoy Brilliant^® American Express^® Card

A premium card for Marriott fans who want perks like an annual statement credit and Free Night Award, plus a fast track to Marriott elite status.

Welcome OfferEarn 185,000 Marriott Bonvoy® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
185,000 points

UP's Offer Valuation*:
Up to   $1,295

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Marriott Bonvoy Brilliant^® American Express^® Card is a premium card designed with road warriors and Marriott Bonvoy loyalists in mind.

So is the card a worthwhile addition to your wallet?

Pros & Cons

Pros

6x points per $1 at hotels participating in Marriott Bonvoy program
3x points per $1 on flights booked directly with airlines and restaurants worldwide
2x points per $1 on all other purchases

Cons

Steep annual fee of $650 (rates & fees)
6x points per $1 is the same earn rate offered with lower annual fee alternatives like the Marriott Bonvoy Bevy^® American Express^® Card

Read Full Review

Card Highlights

Earn 185,000 Marriott Bonvoy^® bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card at restaurants worldwide.
With Marriott Bonvoy^® Platinum Elite Status, you can receive room upgrades, including enhanced views or suites, when the stay is booked with a Qualifying Rate at hotels that participate in Marriott Bonvoy, subject to availability upon check-in.
Earn 6X Marriott Bonvoy^® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy^®. Earn 3X Marriott Bonvoy^® points at restaurants worldwide and on flights booked directly with airlines and 2X Marriott Bonvoy^® points on all other eligible purchases made on the Marriott Bonvoy Brilliant^® American Express^® Card.
Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy^® points) at hotels participating in Marriott Bonvoy^®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant^® American Express^® Card, you will be eligible to select a Brilliant Earned Choice Award benefit. You can only earn one Brilliant Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy^® Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton^® or St. Regis^® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck^®: Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck^® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant^® American Express^® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant^® American Express^® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy^® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express.
Enroll in Priority Pass™ Select, which offers unlimited airport lounge visits to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection*, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. *Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: 20.24%-29.24% Variable
Foreign Transaction Fees: None

Rewards Center

Marriott Bonvoy

The Marriott Bonvoy Brilliant card is an ultrapremium hotel credit card that offers loads of perks, including a dining credit. The annual credit of up to $300 is spread out across 12 months for a maximum benefit of up to $25 in statement credits per month for eligible purchases made at restaurants worldwide. Enrollment is required.

Resy Credits

The Amex Gold card also lets you enroll to earn Resy dining credits, up to $50 semiannually for up to $100 per year. It’s not the only card that lets you earn Resy dining credits, which are available as statement credits on some of the Delta cobranded cards:

Delta Platinum card and Delta Platinum Business card: Up to $120 per year, available as up to $10 per month upon enrollment
Delta Reserve card and Delta Reserve Business card: Up to $240 per year, available as up to $20 per month upon enrollment

Digital Entertainment Credits

Digital entertainment credits give you money back for streaming services and more.

Amex Platinum Card

The Amex Platinum card offers up to a $240 digital entertainment credit for up to $20 in statement credits every month.

Get up to $20 back each month on eligible purchases made with your card on one or more of the following: Disney+, the Disney+ Bundle, ESPN+, Hulu, the New York Times, Peacock, and the Wall Street Journal. Enrollment is required.

After you spend on your Amex Platinum card, a statement credit will be posted to your account within 6 to 8 weeks.

Blue Cash Preferred^® Card from American Express

GREAT FOR CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Blue Cash Preferred^® Card from American Express

This card is great for those who want to earn cash-back with U.S. supermarkets, U.S. streaming subscriptions, transit, and U.S. gas stations.

Welcome OfferEarn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$250

Annual Fee

$0 intro annual fee for the first year, then $95.

APR

20.24%-29.24% Variable,0% on purchases for 12 months

Credit Recommended

Good to Excellent

Why We Like This Card

The Blue Cash Preferred^® Card from American Express is a stellar cash-back credit card for those looking to maximize every purchase they make.

With bonus categories like U.S. supermarkets, select U.S. streaming services, U.S. gas stations, and transit purchases, this card rewards you for the items you spend the most on in a big way! For those looking to earn up to 6% cash-back on their purchases, this could be the card for you!

Pros & Cons

Pros

6% cash-back at U.S. supermarkets (up to $6,000 per year)
6% cash-back on select U.S. streaming subscriptions
3% cash-back on U.S. gas stations and transit (including rideshares, parking, etc.)

Cons

$0 intro annual fee for the first year, then $95 annual fee (rates and fees)

Read Full Review

Card Highlights

Earn a $250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Low Intro APR: 0% intro APR on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 20.24% - 29.24%.
Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don’t have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you’ll still earn rewards on purchases the way you usually do.
Earn 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred^® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. Subject to auto-renewal.
Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
Terms Apply.

Financial Snapshot

APR: 20.24%-29.24% Variable,0% on purchases for 12 months
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

Redeem cash-back through your American Express account

With your enrolled Amex Blue Cash Preferred card, get up to a $10 monthly statement credit after using your enrolled card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, Hulu.com, or Plus.espn.com U.S. websites. This is subject to automatic renewal.

Chase Sapphire Reserve Card

While not as robust as the digital entertainment credit offered by American Express on certain cards, the Chase Sapphire Reserve offers a credit for Apple TV+ and Apple Music subscriptions. The primary cardholder receives complimentary Apple TV+ and Apple Music individual subscriptions through June 22, 2027.

Other Entertainment Credits

Chase Sapphire Reserve cardholders also get $300 in StubHub credits each year. You can get up to $150 statement credits from January through June and then another $150 in credits from July through December. These credits are good for StubHub and viagogo purchases through December 31, 2027.

Wireless Credit

There’s also a statement credit for paying your cell phone bill.

Amex Business Platinum Card

The Amex Business Platinum card offers up to $10 in monthly statement credits for paying for cell phone services purchased with your card (enrollment required).

Equinox Credit

Equinox is a chain of luxury gyms, a luxury lifestyle brand that even encompasses hotels. Whether Equinox is relevant to you in the context of brick-and-mortar gyms or on-demand fitness streaming, this credit may be useful.

Amex Platinum Card

The Amex Platinum card offers up to $300 in Equinox statement credits every year on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with the card upon enrollment.

To receive the credit after enrollment, you must visit this link to verify your eligibility using your Amex Platinum card whether you’re a new or existing Equinox member. After you make your Equinox purchases, expect a statement credit within 2 to 4 weeks.

Peloton Credit

Chase Sapphire Reserve

Sapphire Reserve cardholders can qualify for $10 in statement credits each month on eligible Peloton memberships through December 31, 2027. They also get 10x points on eligible Peloton equipment and accessory purchases over $150.

Business Credits

Some business cards offer statement credits targeted toward business expenses.

Amex Business Gold Card

The Amex Business Gold card offers up to $20 in monthly credits for eligible U.S. purchases at FedEx, Grubhub, and office supply stores. This credit requires enrollment and offers a total annual savings of up to $240 if completely used each year.

Dell Credit

Office supplies and electronics are common business expenses, and a statement credit from Dell might come in handy to seriously upgrade your computer setup, headphones, audio accessories, and much more.

Amex Business Platinum Card

The only card that offers the Dell statement credit is the Amex Business Platinum card, which offers numerous business perks.

Get up to $150 in statement credits on U.S. purchases directly with Dell Technologies on your Amex Business Platinum card. You also receive an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year.

You must activate the benefit by logging in to your Amex online account and enrolling your card. This benefit is valid only on purchases made directly with Dell or at dell.com in the U.S. and U.S. territories where Dell is the merchant. It’s not valid for online purchases shipped outside the U.S.

Spend your card on dell.com or at a Dell shop, and receive a statement credit 2 to 4 weeks later.

Indeed Credit

Another statement credit that can be useful for businesses is a credit for purchases at Indeed, the jobs website.

Amex Business Platinum Card

The Amex Business Platinum card offers $360 in annual credits for purchases at Indeed, issued as $90 in statement credits per quarter. Enrollment is required.

Adobe Credit

A useful (but highly targeted) statement credit is for Adobe.

Amex Business Platinum Card

The Amex Business Platinum card allows you to get $250 per year for U.S. purchases with Adobe after spending $600 or more. Enrollment is required.

Hotel Credits

Hotel Stripes Kuala Lumpur Autograph Collection check in desk — Enjoy a statement credit on your next hotel stay with our recommended cards. Image Credit: Ehsan Haque

If you travel frequently, you can use hotel statement credits to save on lodging costs.

Let’s talk about the cards that offer a hotel-specific credit.

Amex Platinum Card

The Amex Platinum card offers up to $200 in prepaid hotel credits, one of the only benefits of its kind that can be used at more than 1 hotel chain.

Here’s how it works: When you pay with your card, you get $200 back in statement credits each year on prepaid Fine Hotels + Resorts or the Hotel Collection bookings through AmexTravel.com.

Typically, there are 2 booking payment options at AmexTravel.com:

Prepaid (can earn 5x points)
Pay at hotel (can’t earn 5x points)

Prepaid bookings made through AmexTravel.com are almost always flexible and cancellable. As long as the booking is made with your Amex Platinum card, the booking is prepaid, and if the booking is at a Fine Hotels + Resorts or the Hotel Collection property, you get up to $200 in statement credits back per calendar year.

Hilton Aspire Card

The Hilton Aspire card offers many benefits, including hotel-specific credits

$400 Hilton Resort credit every cardmember year
$100 credit at Waldorf Astoria and Conrad properties

The $400, which is paid out in $200 increments semiannually, is usable at any qualifying Hilton resort, and almost everything counts toward this credit. You get reimbursed for room rates as long as it’s not an Advance Purchase rate.

The $100 credit is harder to use because you must book a minimum 2-night stay using the special rate code ZZAAP1. You can use it for massages, food, and other on-property purchases. Find out more details at this link.

Marriott Bonvoy Brilliant Card

The Marriott Bonvoy Brilliant card includes great spending categories and a Free Night Award (up to 85,000 points) every year after your cardmember anniversary.

Additionally, this card comes with hotel benefits, including:

6x points on Marriott purchases at participating properties
Up to $100 Marriott Bonvoy property credit at Marriott, Ritz-Carlton or St. Regis properties
Automatic Platinum Elite status
25 elite night credits

The $100 property credit must be used on a Marriott Bonvoy account linked to your Marriott Bonvoy Brilliant card. It is booked via the “$100 Property Credit, Luxury Credit Card Rate” when searching online. The good news is that this credit rate isn’t usually more expensive than the member rate. Stays must be 2 nights or longer to qualify.

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card offers cardholders up to $500 in credits for stays booked with the Edit, which is Chase’s collection of luxury hotels. You get $250 in statement credits from January through June and another $250 in credits from July through December for prepaid bookings made with the Edit. A minimum 2-night stay is required to qualify for these statement credits.

In addition to the credits, stays booked with the Edit qualify for complimentary benefits, including a $100 property credit, daily breakfast for 2, room upgrades (if available), and more.

Chase Sapphire Preferred^® Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome OfferEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points

UP's Offer Valuation*:
$1,500

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

5x points on all travel booked via the Chase Travel portal
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide

Cons

$95 annual fee
No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
Member FDIC

Financial Snapshot

APR: 19.99% - 28.24% Variable
Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card offers a $50 annual hotel credit every cardmember year for stays booked through Chase Travel.

All you need to do is book a stay through the Chase Travel portal at any available property.

Citi Strata Premier℠ Card

The Citi Strata Premier card offers cardholders a $100 hotel credit each year. To take advantage of this credit, you must make a hotel booking of at least $500 through the Citi travel portal.

CLEAR Plus Credit

CLEAR is a biometric system for making airport security more streamlined and painless. It charges a membership fee, which can be reduced by leveraging a CLEAR Plus Credit. Here are some of the cards that offer CLEAR Plus credits:

Amex Platinum Card

The Amex Platinum card offers up to $199 in statement credits per year toward a CLEAR Plus membership as long as you pay for your membership with your card.

Amex Business Platinum Card

The Amex Business Platinum card also offers a statement credit for a CLEAR Plus membership. When purchasing a membership with your Amex Business Platinum card, you can receive up to $209 per year.

American Express^® Green Card*

The Amex Green Card offers an enrollment-required CLEAR Plus credit of up to $209 per calendar year. Enroll your card by going to the Benefits page of your online American Express account.

*All information about the American Express^® Green Card has been collected independently by Upgraded Points.

Hilton Aspire Card

The Hilton Aspire card offers a statement credit for up to $209 per year for a CLEAR Plus membership.

In addition to the credit cards listed above that offer statement credits that cover the full amount of a CLEAR Plus membership, there are a few other credit cards that offer a CLEAR membership at a discounted price.

Inflight Wi-Fi Credits

If you travel for business, you’ll find that inflight Wi-Fi charges can add up. The best way to avoid these charges is to get cards that offer inflight Wi-Fi statement credits.

AAdvantage^® Aviator^® Red World Elite Mastercard^®

The AAdvantage Aviator Red card from Barclays reimburses you for inflight Wi-Fi. Every cardmember year, you get up to $25 in inflight Wi-Fi statement credits when flying on American Airlines-operated flights.

This includes its subsidiaries, such as Compass Airlines and SkyWest Airlines. Simply use your card, and you’ll see a statement credit around 4 weeks later.

AAdvantage^® Aviator^® Silver Mastercard^®

The AAdvantage Aviator Silver card from Barclays is a more premium card than the AAdvantage Aviator Red card. Instead of getting a $25 inflight Wi-Fi credit every cardmember year with the AAdvantage Aviator Red card, you get a $50 credit every cardmember year.

Southwest^® Rapid Rewards^® Performance Business Credit Card

U.P. Rating

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits through 2025, and bonus points on each cardmember anniversary.

Southwest^® Rapid Rewards^® Performance Business Credit Card

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits through 2025, and bonus points on each cardmember anniversary.

Welcome OfferEarn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
80,000 points

UP's Offer Valuation*:
$1,040

Annual Fee

$299

APR

19.99% - 28.49% Variable

Credit Recommended

Good to Excellent (670-850)

Why We Like This Card

The Southwest^® Rapid Rewards^® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits through December 31, 2025, and helps you reach higher levels of Southwest elite status.

Pros & Cons

Pros

4x points per $1 spent on Southwest purchases
2x points per $1 spent at gas stations and restaurants, with no annual cap
2x points per $1 spent on all hotel purchases

Cons

$299 annual fee
Doesn’t earn transferable rewards

Read Full Review

Card Highlights

Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
9,000 bonus points after your Cardmember anniversary.
Earn 4X pts on Southwest^® purchases.
Earn 2 points for every $1 you spend at gas stations and restaurants
Earn 2X points on hotel accommodations booked directly with the hotel
Earn 2X points on local transit and commuting, including rideshare.
First checked bag free for Cardmembers and up to 8 additional passengers in the same reservation.
Cardmembers and up to 8 passengers in the same reservation will board with Group 5 giving them earlier access to overhead bins.*
Member FDIC

Financial Snapshot

APR: 19.99% - 28.49% Variable
Foreign Transaction Fees: None

The Southwest Performance Business card is Southwest’s most premium business credit card. It is issued by Chase and has many perks.

One of the perks is that you receive an $8 inflight Wi-Fi credit for Wi-Fi purchases on each Southwest flight through December 31, 2025. You’ll see it credited back to you within 1 to 2 business cycles.

Inflight Food and Beverage Credits

There’s also a way to get refunded for inflight food and beverages without using a travel credit. You can use inflight food and beverage credit for inflight meals and drinks.

AAdvantage Aviator Silver card

The AAdvantage Aviator Silver card offers an astonishing benefit of up to $25 back per day as statement credits on inflight food and beverage purchases when you use your card on American Airlines-operated flights.

Global Entry or TSA PreCheck Application Fee Credit

One of the most universal credits for ultrapremium and even premium credit cards is the Global Entry or TSA PreCheck application fee statement credit. Global Entry or TSA PreCheck often reduces your security screening waiting time at the airport.

To apply for Global Entry, you must pay $120 and renew every 4 years. For TSA PreCheck, the application fee is $85, and you renew every 4.5 years.

Several cards offer Global Entry or TSA PreCheck application fee statement credit.

Final Thoughts

Whether it’s general travel credits you can use on airplane tickets, luggage credits, lounge day pass credits, or even hotel statement credits, there are many ways to reduce your day-to-day costs. Now you have an idea of the top credit card statement credits and the major rewards credit cards that offer them.

What Are Credit Card Statement Credits?

What Types of Statement Credits Are There?

General Travel Credits

Chase Sapphire Reserve®

Travel Portal Credits

Capital One Venture X Rewards Credit Card

Capital One Venture X Business Card

Airline Fee Credits

The Business Platinum Card® from American Express

The Platinum Card® from American Express

Apply With Confidence

Know if you're approved with no credit score impact

Hilton Honors American Express Aspire Card

Apply With Confidence

Know if you're approved with no credit score impact

Bank of America® Premium Rewards® Credit Card

Crystal® Visa Infinite® Credit Card

The Ritz-Carlton™ Credit Card

Southwest Airlines Annual Travel Credit

Southwest Rapid Rewards® Priority Credit Card

Reward Flight Statement Credit

British Airways Visa Signature® Card

Uber Credits

Amex Platinum Card

American Express® Gold Card

Delta American Express cards

Lyft Credits

Chase Sapphire Reserve

Saks Fifth Avenue Credit

Amex Platinum Card

Walmart+ Credit

Amex Platinum Card

American Express® Business Gold Card

Dining Credits

Amex Gold Card

Apply With Confidence

Know if you're approved with no credit score impact

Chase Sapphire Reserve Card

Marriott Bonvoy Brilliant® American Express® Card

Apply With Confidence

Know if you're approved with no credit score impact

Resy Credits

Digital Entertainment Credits

Amex Platinum Card

Blue Cash Preferred® Card from American Express

Apply With Confidence

Know if you're approved with no credit score impact

Chase Sapphire Reserve Card

Other Entertainment Credits

Wireless Credit

Amex Business Platinum Card

Equinox Credit

Amex Platinum Card

Peloton Credit

Chase Sapphire Reserve

Business Credits

Amex Business Gold Card

Dell Credit

Amex Business Platinum Card

Indeed Credit

Amex Business Platinum Card

Adobe Credit

Amex Business Platinum Card

Hotel Credits

Amex Platinum Card

Hilton Aspire Card

Marriott Bonvoy Brilliant Card

Chase Sapphire Reserve Card

Chase Sapphire Preferred® Card

Citi Strata Premier℠ Card

CLEAR Plus Credit

Amex Platinum Card

Amex Business Platinum Card

American Express® Green Card*

Hilton Aspire Card

Inflight Wi-Fi Credits

AAdvantage® Aviator® Red World Elite Mastercard®

AAdvantage® Aviator® Silver Mastercard®

Southwest® Rapid Rewards® Performance Business Credit Card

Inflight Food and Beverage Credits

Chase Sapphire Reserve^®

The Business Platinum Card^® from American Express

The Platinum Card^® from American Express

Bank of America^® Premium Rewards^® Credit Card

Crystal^® Visa Infinite^® Credit Card

Southwest Rapid Rewards^® Priority Credit Card

British Airways Visa Signature^® Card

American Express^® Gold Card

American Express^® Business Gold Card

Marriott Bonvoy Brilliant^® American Express^® Card

Blue Cash Preferred^® Card from American Express

Chase Sapphire Preferred^® Card

American Express^® Green Card*

AAdvantage^® Aviator^® Red World Elite Mastercard^®

AAdvantage^® Aviator^® Silver Mastercard^®

Southwest^® Rapid Rewards^® Performance Business Credit Card