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

The U.S. credit card rewards landscape is one of the most aggressive business environments in the world. Rich rewards programs have emerged due to credit card issuers vying for market share.

While every credit card issuer takes a different approach to crafting a target market and suite of credit cards and benefits, you’ll notice that banks may offer similar perks.

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’ll get refunded up to $100. This essentially discounts the cost of your ticket by $100.

Why Should I Care About Statement Credits?

If you put the right purchases on the right cards, you can get money back for your purchases. In other words, using statement credits is like picking up free money from the table.

You’d probably much rather pay $100 for something than $200 for that same thing, which is exactly how statement credits can work for you.

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?

Credit card statement credits can come from various means, such as redeeming rewards points or completing qualifying activities. This guide focuses on the statement credits you get for completing a qualifying activity.

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 Credit

A general travel credit can encompass a wide variety of transactions, making using the statement credit very easy.

As you can probably imagine, a general travel credit is 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 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x 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 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

60,000 points

UP's Offer Valuation*:

$1,200

Annual Fee

$550

APR

20.24% - 28.74% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 out there.

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

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase Travel^SM immediately after the first $300 is spent on travel purchases annually
• 5x points on airfare booked through Chase Travel^SM
• 3x points on all other travel and dining purchases; 1x point on all other purchases

Cons

• $550 annual fee
• Does not offer any hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

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

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card was the catalyst for the evolution of credit card rewards as we know them today. It’s long been one of the most valuable travel rewards credit cards on the market.

The ultra-premium card offers numerous benefits, including 10x points per $1 spent on car rentals and hotels booked via Chase Travel, 5x points per $1 spent on flights booked via Chase Travel, and 3x points on all other travel and dining. Cardholders receive 50% more value in travel redemptions, airport lounge access, elite hotel benefits, car rental privileges, travel protections, and more.

However, the best part of the Chase Sapphire Reserve card is the $300 annual travel credit. Every cardmember year, you are eligible to get $300 in total reimbursements for the following categories:

Whether or not you make a big purchase greater than $300 or multiple small purchases totaling up to $300, you’ll get reimbursed the full amount as long as the purchases fall under these categories.

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

Citi Prestige^® Card

Note: The Citi Prestige card is no longer available for new applicants.

The Citi Prestige card is Citi’s counterpart to the Chase Sapphire Reserve card. In other words, it is Citi’s ultra-premium travel rewards credit card — and it’s impressive.

This card offers many fantastic and unique benefits, including 5x points on air travel and restaurants, a complimentary fourth hotel night benefit, and the ability to transfer ThankYou Rewards Points to several airline partners.

One of the benefits of the Citi Prestige card is its $250 travel credit. According to Citi’s terms and conditions, the credit can be used towards purchases from:

As you can see, this list of qualifying travel purchases is broad, which is why we’ve lumped this credit into the general travel credit category. It’s just so easy to use the travel credit, whether you use it on Uber rides, Avis car rentals, hotel room rates, airline tickets, or even cruise bookings!

U.S. Bank Altitude^® Reserve Visa Infinite^® Card

Note: The U.S. Bank Altitude Reserve card is no longer available for new applicants.

Although U.S. Bank isn’t discussed much in the world of credit card points and award travel, it is a force to be reckoned with for those seeking a more simple rewards ecosystem.

The U.S. Bank Altitude Reserve card is its ultra-premium credit card offering. This card has a hefty $400 annual fee, but you’ll get an awesome $325 travel credit per cardmember year.

This credit is automatic and can be used for purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains, and cruise lines. Although not as flexible as the Chase Sapphire Reserve card or Citi Prestige card, this card still offers enough options for us to categorize it as a general travel credit.

In addition to the whopping $325 travel credit, you’ll get other perks like Priority Pass Select membership and a TSA PreCheck or Global Entry application fee statement credit (which will be discussed later).

Travel Portal Credit

Capital One entered the luxury credit card market with the Capital One Venture X Rewards Credit Card and Capital One Venture X Business Card*×Information collected independently. Not reviewed by Capital One., which both offer cardholders an annual $300 travel credit.

Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

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.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

19.99% - 29.24% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 (rates & fees)
• 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 complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
• 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: 19.99% - 29.24% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

Capital One Venture X Business Card

LIMITED TIME OFFER

Capital One Venture X Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

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.

Welcome Offer

For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months.

Up to 350,000 miles

UP's Offer Valuation*:

Up to $6,300

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

• For a limited time, earn up to 350,000 bonus miles: 150,000 miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months
• 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 complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and membership to Priority Pass through the Partner Lounge Network
• 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 two cards is more restricted than others. For the Capital One Venture X card, you must redeem it via Capital One Travel. For the Capital One Venture X Business card, Capital One’s travel booking site must also be used. However, it offers offers a variety of flights, rental cars, and hotels, making the credit easy to use each year.

Airline Fee Credit

Now that we’ve discussed the broadest form of travel credits, let’s move on to the next category of statement credits.

In a world where airlines continue to find ways to upcharge the customer beyond the cost of airfare, there’s definitely a place for airline incidental fee credits. Using the airline incidental fee credit is a bit more involved than using the general travel credit or even a travel portal credit.

Eligible fees for using airline fee credits from American Express include checked bags, inflight refreshments, and more. While it’s not completely clear what is considered eligible, American Express outlines ineligible purchases as follows:

As you can see, this is more restrictive than the general or portal travel credits shown above, 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:

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

The Business Platinum Card^® from American Express

LIMITED TIME TRAVEL OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.

150,000 points + $500 statement credit

UP's Offer Valuation*:

Up to $3,800

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked through Amex Travel
• 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

• Limited Time Travel Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 on eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership. Plus, earn a $500 statement credit after you spend $2,500 on qualifying flights booked directly with airlines or through American Express Travel with your Business Platinum Card^® within the first 3 months of Card Membership. You can earn one or both of these offers. Offer ends 6/30/25.
• 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 $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required.
• 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.
• NEW! 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.
• Earn 5X Membership Rewards^® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com. 1X points on other eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% 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 plus a $500 statement credit. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card is an iconic symbol of American Express as a provider of business credit solutions. It 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’ll earn 5x points per dollar spent on AmexTravel.com purchases and get access to thousands of airport lounges worldwide (including Centurion Lounges), you also get a $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 $400 Dell shopping credit (upon enrollment), up to a $200 Hilton statement credit (upon enrollment), and a TSA PreCheck or Global Entry application fee credit, which we’ll discuss in the later sections. You’ll 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 $200 airline fee credit, there is a slew of travel perks you get just by holding the card. Don’t sleep on this card if you want to upgrade your travel!

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Offer Valuation*:

Up to $1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• 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.
• With American Express Global Lounge Collection^® you can enjoy access to over 1,400 airport lounges globally, including The Centurion^® Lounge, Unlimited Delta Sky Club^® Access when flying an eligible Delta flight, Escape Lounges, Lufthansa Lounges when flying Lufthansa Group, Plaza Premium, Priority Pass™ Select Lounges, & Additional Global Lounge Collection Partner Lounges subject to visit limitations. Lounges may have their own rules, like additional access rules and guest fees, and for Priority Pass Select, you need to enroll and there are unlimited airport lounge visits for Card Members. With Delta Sky Club Access, Card Members will receive 10 Visits to the Delta Sky Club to be used from February 1 until January 31 of the next calendar year and can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. To find a lounge, visit the membership section in the American Express^® App or visit http://www.americanexpress.com/findalounge#/loungefinder.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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^®.
• $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 to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• 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.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 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: See Pay Over Time APR
• 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 175k points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

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

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

You’ll 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). You’ll also earn 5x Membership Rewards points on prepaid hotels booked with AmexTravel.com. When you consider that we value each Membership Rewards point at around 2 cents per point, you’ll get an unbeatable 10% return on spend in these categories.

What’s better is that you’ll get so many other perks even if you don’t find yourself spending on this card every day. You’ll get benefits like access to the Global Lounge Collection, which is the only card airport lounge access program that includes proprietary lounge locations around the world (including the Centurion Lounges). You’ll 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’ll 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

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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.

All information about Hilton Honors American Express Aspire Card has been collected independently by Upgraded Points.

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 Offer

Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 4/29/2025.

175,000 points

UP's Offer Valuation*:

$875

Annual Fee

$550

APR

19.99% - 28.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The information regarding the Hilton Honors American Express Aspire Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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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 select travel and at U.S. restaurants
• 3x points per $1 on all other eligible purchases

Cons

• High annual fee of $550

Read Full Review

Card Highlights

• Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership. Offer ends 4/29/2025
• Earn 14x Hilton Honors Bonus Points when you make eligible purchases on your card at participating hotels or resorts within the Hilton portfolio
• Earn 7x Hilton Honors Bonus Points for eligible travel purchases: on flights booked directly with airlines or AmexTravel.com and on car rentals booked directly from select car rental companies
• Earn 7x Hilton Honors Bonus Points on dining at U.S. restaurants, including takeout and delivery
• Earn 3x Hilton Honors Bonus Points for other eligible purchases on your card
• Enjoy up to $400 in Hilton Resort Credits (up to $200 in statement credits semi-annually) on your card each anniversary year when you stay at participating resorts within the Hilton portfolio
• Enjoy complimentary Diamond status
• $550 annual fee

Financial Snapshot

• APR: 19.99% - 28.99% 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 dollar on travel and dining and 1.5 points per dollar elsewhere.

Bank of America^® Premium Rewards^® credit card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 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

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 ultra-premium 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

We’ll talk more in-depth about the TSA PreCheck or Global Entry credit in the later sections. According to Bank of America, qualifying transactions for incidentals are made on domestic-originated flights on certain U.S.-domestic airline carriers including:

• Airport lounge fees
• Checked baggage fees
• Inflight entertainment
• Onboard food and beverage charges
• Preferred seating upgrades
• Ticket change/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 or Citi Prestige card travel credit.

Crystal^® Visa Infinite^® Credit Card

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

Besides earning 3 points per $1 spent on gasoline, grocery, 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’ll 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.-domestic airline carriers and includes:

• Ticket change/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 enjoy other benefits found here.

The Ritz-Carlton™ Credit Card

The Ritz-Carlton card is a Chase credit card that 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’ll enjoy 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 functions a little differently than other credits in the sense that you must call 855-896-2222 after your purchase has been processed to apply the travel credit.

Here are the non-ticket purchases that count toward the $300 travel credit:

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

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

Southwest Airlines Annual Travel Credit

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 1 credit card offers a travel credit.

Southwest Rapid Rewards^® Priority Credit Card

Terms Apply / Rates & Fees

Southwest Rapid Rewards^® Priority Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Apply Now(at Chase's secure site)

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 Offer

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

50,000 points

UP's Offer Valuation*:

$650

Annual Fee

$149

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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

• 3x points per $1 on Southwest purchases
• 2x points per $1 on local transit and commuting, including rideshare purchases
• 2x points per $1 on internet, cable, phone services, and select streaming purchases

Cons

• $149 annual fee
• Does not earn transferable points

Read Full Review

Card Highlights

• Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
• 7,500 anniversary points each year.
• Earn 3X points on Southwest^® purchases.
• Earn 2X points on local transit and commuting, including rideshare.
• Earn 2X points on internet, cable, and phone services; select streaming.
• $75 Southwest^® travel credit each year.
• No foreign transaction fees.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

The credit card that offers a Southwest travel credit is the Southwest Priority card, which comes with a $75 Southwest travel credit each cardmember year.

You’ll receive a generous welcome bonus 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 some serious savings.

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

• Upgraded Boardings
• Inflight purchases

Plus, you’ll get statement credits for 4 Upgraded Boardings (A1 to A15) per year when available!

Reward Flight Statement Credit

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

A significant component of taxes and fees is fuel surcharges. If you’re booking a British Airways award ticket, you’ll routinely find one-way business class fuel surcharges of $500 and one-way first class fuel surcharges of $900.

This will put a massive dent in your wallet unless you have a card that can offset these taxes and fees through a statement credit.

British Airways Visa Signature^® Card

Terms Apply / Rates & Fees

British Airways Visa Signature^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Apply Now(at Chase's secure site)

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 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*:

$1,062

Annual Fee

$95

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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

• 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’ll earn a Travel Together Ticket that will enable 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’ll 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’ll 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.

This means that 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 Cash

The ride-share app Uber is one of the most convenient additions to make 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

We discussed the Amex Platinum card in detail above as it relates to the airline fee credits and other perks. However, the Amex Platinum card also comes with $200 in annual Uber Cash.

The Uber Cash benefit is split into $15 increments every month, plus an additional $20 in December. Additionally, you’ll become an Uber VIP, which connects you to drivers with at least a 4.8-star rating and “high-quality cars.”

To use it, all you have to do is 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 simply begin taking rides. An Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.

American Express^® Gold Card

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

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 first Amex card that offers the Saks Fifth Avenue credit is the ultra-premium Amex Platinum card. The Saks credit is structured such that you’ll get 2 equal statement credits up to $50 each half of the year. Specifically, you’ll get up to $50 from January to June and then another $50 from July to December.

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

To use this benefit, you need to enroll. After that, simply use the card as normal, and you’ll 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 full monthly cost of $12.95 per month, you will 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’ll get a full statement credit back.

Dining Credit

With gourmet dining options all around the world and a growing need for convenience, it’s not terribly surprising that people are spending more at restaurants and food delivery. Dining credits can help offset some of the costs of eating out, so let’s take a glance at how you can get dining credits.

Amex Gold Card

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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

• Earn 60,000 Membership Rewards^® Points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• 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 at 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.
• $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.
• 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: See Pay Over Time APR
• 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 90k points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

A few cards offer dining credits, and one of the best is the Amex Gold card. Incidentally, the Amex Gold card also offers an abundance of 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 dollar at restaurants worldwide on up to $50,000 per calendar year in purchases (1x thereafter)
• 4 Membership Rewards points per dollar spent at U.S. supermarkets, on up to $25,000 per calendar year in purchases (1x thereafter)
• 3 Membership Rewards points per dollar spent on flights booked directly with the airline, as well as airfare, prepaid hotels, vacation packages, or cruises booked through AmexTravel.com
• 1 Membership Rewards point per dollar spent on all other purchases

Besides the jaw-dropping points-earning categories for normal spending, you’ll 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.

Marriott Bonvoy Brilliant^® American Express^® Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Marriott Bonvoy Brilliant^® American Express^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

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. Offer End 5/14/2025.

185,000 points

UP's Offer Valuation*:

Up to $1,295

Annual Fee

$650

APR

20.24%-29.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 available at select properties and booked with a Qualifying Rate.
• 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 Marriott, 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 ultra-premium 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. You get to enjoy up to $25 per month in dining statement credits each calendar year for eligible purchases made at restaurants worldwide. Enrollment is required.

Resy Credit

The Amex Gold card also lets you enroll to earn Resy dining credits, up to $50 semi-annually 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 several of the Delta cobranded cards:

• Delta SkyMiles^® Platinum American Express Card and Delta SkyMiles^® Platinum Business American Express Card: Up to $120 per year, available as up to $10 per month
• Delta SkyMiles^® Reserve American Express Card and Delta SkyMiles^® Reserve Business American Express Card: Up to $240 per year, available as up to $20 per month

Digital Entertainment Credit

Another popular credit is the digital entertainment credit, which was created in the aftermath of COVID-19.

Amex Platinum Card

The Amex Platinum card offers up to a $240 digital entertainment credit that comes in the form of 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 required.

After spending 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

HIGHEST CASH BACK

Terms Apply / Rates & Fees

Blue Cash Preferred^® Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 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

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It^® to split up large purchases into monthly installments with a fixed fee. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• 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%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• $84 Disney Bundle Credit: With your enrolled Blue Cash Preferred^® Card, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription, to receive a monthly statement credit of $7. Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.
• 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, spend $9.99 or more each month on an auto-renewing Disney Bundle subscription to receive a monthly statement credit of $7 (up to $84 annually). Valid only at Disney Plus.com, Hulu.com or Plus.espn.com in the U.S.

Wireless Credit

There are also statement credits for paying your cell phone bill.

Amex Business Platinum Card

The Amex Business Platinum card offers up to $10 in statement credits per month 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 to you.

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.

Business Credits

Some business cards offer statement credits targeted toward business expenses.

Amex Business Gold Card

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

Dell Credit

Office supplies and electronics can make up a bulk of your expenses, depending on the nature of your business. This is where a statement credit from Dell might come in handy to seriously upgrade your computer set-up, headphone game, audio accessories, and much more.

Amex Business Platinum Card

The only card that offers the Dell statement credit is the Amex Business Platinum Card. This card was refreshed to include the full gamut of business perks.

The $400 Dell credit is split up into 2 semi-annual credits of up to $200. You’ll get a credit of up to $200, valid from January to June, and the remaining credit of up to $200, valid from July to December.

You must activate the benefit by logging into your Amex online account. 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.

Once you keep that in mind, just spend your card on dell.com or at a Dell shop and you’ll see a statement credit back 2 to 4 weeks later.

Indeed Credit

Another statement credit that can be useful for businesses is credits for purchases at Indeed.

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.

Adobe Credit

Another statement credit that may be useful (but highly targeted) is the Adobe Creative Suite.

Amex Business Platinum Card

The Amex Business Platinum card allows you to get up to $150 per year for select subscription purchases with Adobe upon enrollment.

Hotel Credits

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, which is one of the only benefits of its kind that can be used at more than 1 hotel chain.

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

Typically, you make 1 of 2 booking types through 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 the booking is at a Fine Hotels & Resorts or The Hotel Collection property, you’ll 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 semi-annually, is usable at any qualifying Hilton resort, and almost everything counts towards this credit. You’ll get reimbursed for room rates, as long as it’s not an Advance Purchase rate.

The $100 credit is a bit harder to use in that you must use the specific rate code ZZAAP1 and book a minimum 2-night stay using the special rate code. You can use this towards a massage, 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 particular credit isn’t usually more expensive than the member rate. Stays must be 2 nights or longer to qualify.

Chase Sapphire Preferred^® Card

LIMITED-TIME OFFER

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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 Offer

Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

100,000 points

UP's Offer Valuation*:

$2,000

Annual Fee

$95

APR

19.99% - 28.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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 100,000 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, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 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 a $100 hotel credit each year to cardholders. To take advantage of this credit, you’ll need to 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 towards a CLEAR Plus membership per year so long as you pay for your membership with your card.

Amex Business Platinum Card

The Amex Business Platinum card also offers a statement credit towards a CLEAR Plus membership. You can get a statement credit of up to $199 per year when purchasing a membership with your Amex Business Platinum card.

American Express^® Green Card*

The Amex Green Card offers an enrollment-required CLEAR Plus credit of up to $199 per calendar year. Simply enroll your card by going to the Benefits page of your online American Express account and you’ll be good to go.

*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 $199 per year for a CLEAR Plus membership.

In addition to these 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 CLEAR membership at a discounted price.

Inflight Wi-Fi Credits

If you travel around the world for business, you’ll find that inflight Wi-Fi charges can add up in a hurry. 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’ll 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, SkyWest Airlines, and more. 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’ll get a $50 credit every cardmember year.

Southwest^® Rapid Rewards^® Performance Business Credit Card

Terms Apply / Rates & Fees

Southwest^® Rapid Rewards^® Performance Business Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

Apply Now(at Chase's secure site)

Southwest^® Rapid Rewards^® Performance Business Credit Card

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

Welcome Offer

Earn 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

$199

APR

20.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

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, and helps you reach higher levels of Southwest elite status. 

Pros & Cons

Pros

• 4x points per $1 spent on Southwest purchases
• 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
• 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services

Cons

• $199 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 3X points on Rapid Rewards^® hotel and car rental partners.
• Earn 2X points on rideshare.
• Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
• 4 Upgraded Boardings per year when available.
• Member FDIC

Financial Snapshot

• APR: 20.49% - 27.49% 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’ll receive inflight Wi-Fi credits for Wi-Fi purchases on Southwest flights. You can use the $8 Wi-Fi credit 365 times every year. 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. This is through inflight food and beverage credits, specifically for inflight meals/drinks.

AAdvantage Aviator Silver card

The AAdvantage Aviator Silver card also 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. In theory, if you flew American Airlines every day, you could max out the credit by getting $25 of free food daily.

Global Entry or TSA PreCheck Application Fee Credit

One of the most universal credits for ultra-premium and even premium credit cards is the Global Entry or TSA PreCheck application fee statement credit. Global Entry or TSA PreCheck will often reduce your 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.

There are several cards that 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.