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Top 5 Low-Annual-Fee Cards To Get Before the Year Ends

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Lori Zaino
Updated: 
Edited by: Michael Y. Park
& Ben Neighbors-Giles
Top 5 Low-Annual-Fee Cards To Get Before the Year Ends
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With 2026 nearing its end, it’s the perfect time to apply for a credit card. Start by putting your Black Friday and holiday shopping on the card to meet the welcome offer’s spending requirement, then enjoy planning a trip using your hard-earned points and miles in 2027.

And if you aren’t up to paying a hefty annual fee, that’s OK. There are plenty of low-annual-fee cards that offer excellent perks and earning rates, so you can not only offset the reasonable annual fee but still earn big.

These are the top low-annual-fee cards to get before the year ends.

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1. Capital One Venture Rewards Credit Card

The Capital One Venture card recently got a lot more rewarding thanks to a very generous, limited-time welcome offer. Apply now:

 Earn more than $1,000 in Travel Bonuses with a limited-time $300 Capital One Travel stays credit, plus earn 75,000 bonus miles once you spend $4,000 within the first 3 months of account opening.

LIMITED-TIME OFFER
Capital One Venture Rewards Credit Card
Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn more than $1,000 in Travel Bonuses with a limited-time $300 Capital One Travel stays credit, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months of account opening—that's more than $1,000 in travel value. 
$300 Travel Credit + 75k miles
$1,650
$95
Purchases: 19.74% - 28.74% (Variable)
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 card application.
Good to Excellent Credit
Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons
Pros
  • 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Up to a $120 Global Entry or TSA PreCheck application fee credit
Cons
  • $95 annual fee
  • Limited elite benefits
Read Full Review
Card Highlights
  • LIMITED-TIME OFFER: Enjoy $300 to use on hotel and vacation rental bookings through Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening – that’s more than $1,000 in travel value
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $120 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
  • Transfer your miles to your choice of 15+ travel loyalty programs
  • Top rated mobile app
Financial Snapshot
  • APR: Purchases: 19.74% - 28.74% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

Why We Love the Capital One Venture Card

The generous, limited-time welcome offer is a huge perk of this card, and it’s the reason you should plan to apply by the end of the year, when holiday shopping means you might be able to meet the welcome offer’s spending threshold sooner.

Once you get the welcome offer bonus, those 75,000 Capital One miles go far, and the $300 Capital One Travel stays credit means you can easily outweigh the reasonable $95 annual fee.

Considering that we value Capital One miles at 1.8 cents apiece, the miles portion of this welcome offer is worth about $1,350 for travel. However, when you add the the additional statement credit, it’s worth $1,650. If you deduct that $95 annual fee, you’re still getting a value of $1,555 — and that’s just from the welcome offer alone.

It’s also easy to continue earning Capital One miles on the card, because you get 2x miles on all purchases, ideal for someone who isn’t interested in remembering bonus categories or spends a lot of money at department stores, school fees, or anything that’s not a traditional bonus category (like gas, restaurants, travel, etc).

Hot Tip:

We’re deeming the Capital One Venture card one of the most valuable low-annual-fee cards out there right now, for at least as long as the elevated welcome offer continues. There’s no official end date yet, but we recommend applying ASAP to make sure you don’t lose out and can use holiday shopping and purchases to meet the spending threshold.

2. Chase Sapphire Preferred® Card

The Chase Sapphire Preferred card is an excellent card to use if you spend a lot on gas, streaming, and dining, but it’s also easy to offset the annual fee thanks to a few key perks alone — including one that will expire at the end of 2026, so apply soon.

Right now, the card has the following welcome offer:

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

BEST FIRST TRAVEL CARD
Chase Sapphire Preferred® CardTerms Apply / Rates & Fees
Chase Sapphire Preferred® Card

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.
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points
$1,500
$95
19.49 - 27.74% Variable
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 card application.
Good to Excellent
Why We Like This Card

The Chase Sapphire Preferred card bonus categories include travel, dining, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands, and streaming services.

It offers flexible point redemption options, no foreign transaction fees, and strong travel insurance coverage, including primary car rental insurance. If you travel a few times a year and spend on dining, the card is likely to be a good choice, but it’s hard to justify if you don’t dine out or travel often.

Pros & Cons
Pros
  • 5x points on all travel booked via Chase Travel
  • 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation home rentals with top brands (such as Airbnb and Vrbo), and select streaming services
  • 2x points on all other travel worldwide
Cons
  • $95 annual fee
  • Subject to Chase’s 5/24 application restrictions
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, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
  • Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
  • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
  • Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
  • Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
  • Transfer points to leading airline and hotel loyalty programs.
  • Member FDIC
Financial Snapshot
  • APR: 19.49 - 27.74% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

Why We Love the Chase Sapphire Preferred Card

The card offers a $100 annual hotel credit on Chase Travel plus a $120 credit for Global Entry, TSA PreCheck, or NEXUS every 4 years. But the reason why we’d suggest getting the card before 2027 is that it also has a complimentary, 1-year Apple TV subscription when you activate it by December 31, 2026 — an excellent reason to apply for the card soon (because, yes, we’ll be watching “Ted Lasso” on Apple TV and eating Christmas cookies most of December).

Finally, the card has some of the best travel insurance protections, especially considering it only has a $95 annual fee. Even a single claim could end up paying for that annual fee for many years to come.

Plus, the card’s mid-2026 refresh also came with the addition of emergency evacuation and transportation coverage, adding even more protection to the already legit suite of protections, which includes primary rental car insurance, trip delay insurance, baggage delay insurance, lost luggage insurance, and others.

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3. The World of Hyatt Credit Card

Hyatt has one of the most lucrative hotel loyalty programs out there, and the World of Hyatt card makes it easy for you to earn lots of Hyatt points and elite status, which can make stays more enjoyable.

It’s true that Hyatt and Chase have confirmed the launch of a premium card coming soon, but if you’d prefer to pay an $95 annual fee, apply for this card ASAP to ensure you’re grandfathered in to some of the card’s perks and benefits, just in case the card ends up changing when the newer one launches.

Right now, the welcome offer is as follows:

 Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.

LIMITED-TIME OFFER
The World of Hyatt Credit CardTerms Apply / Rates & Fees
The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

Apply Now(at Chase's secure site)
The World of Hyatt Credit Card
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.
4 free nights
Up to $2,294
$95
19.49% - 27.99% Variable
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 card application.
Good to Excellent (670-850)
Why We Like This Card

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros & Cons
Pros
  • Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
Read Full Review
Card Highlights
  • Earn 4 free nights at any Category 1-4 Hyatt hotel or resort after you spend $5,000 on purchases in your first 3 months from account opening.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Financial Snapshot
  • APR: 19.49% - 27.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

Why We Love the World of Hyatt Card

Card perks such as automatic World of Hyatt Discoverist status and a free Category 1-4 anniversary night make it simple to offset the card’s $95 annual fee.

But really, the ability to earn Hyatt points has become more valuable in 2026, especially since the recent refresh of the Chase Sapphire Preferred card means that Chase Ultimate Rewards points now transfer from that card to Hyatt at a 1:0.75 ratio instead of the more lucrative former 1:1 ratio.

With the Hyatt card, you can earn the following:

  • Up to 9x points for Hyatt stays
  • 2x points at restaurants, on airline tickets purchased directly from the airline, local transit, ride-shares, and fitness clubs and gym memberships
  • 1x point on all other purchases
Hyatt Thompson Zihuatanejo Mexico Beach Loungers View
A view of the sand, sun, and sea at the Hyatt Thompson Zihuatanejo in Mexico. Image Credit: Ryan Smith

Plus, if you are a big spender, you have the ability to earn a second free night award (after spending $15,000 annually on the card), plus 2 elite night credits for every $5,000 you spend on it (this is in addition to the 5 automatic elite night credits you get annually).

Hot Tip:

Even if you’re not a Hyatt loyalist, consider getting a co-branded hotel card this year. Most hotel chains have a low-annual fee option that could give you benefits like elite status, free anniversary nights, food and beverage credits, or other perks. It’s true that having a flexible rewards card is also important, but you never know when the card’s transfer ratio could change, so if you really love a particular hotel group, apply for the card.

4. Citi Strata Premier® Card

The Citi Strata Premier card earns Citi ThankYou Points, which are especially valuable as you can transfer them to American Airlines AAdvantage miles at a 1:1 ratio from this card (as well as many other transfer partners), making the welcome offer especially lucrative:

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Citi Strata Premier® CardTerms Apply / Rates & Fees
Citi Strata Premier® Card

Apply Now(at our partner's secure site)
Citi Strata Premier® Card
Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
60,000 Points
$960
$95
19.74% to 27.74% Variable
Why We Like This Card

The Citi Strata Premier® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons
Pros
  • 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
  • 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
  • $100 annual hotel benefit
Cons
    • $95 annual fee
Read Full Review
Card Highlights
  • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases
Financial Snapshot
  • APR: 19.74% to 27.74% Variable
  • Foreign Transaction Fees: None

Why We Love the Citi Strata Premier Card

One of the Citi Strata Premier card’s most useful benefits can applies to pretty much everyone, but it can also benefit anyone who travels or lives abroad: 3x ThankYou Points at supermarkets worldwide. With food prices at an all-time high in 2026, earning a lot on essentials like groceries can take the sting out of high costs, no matter where in the world you happen to be — and many other cards with generous supermarket category bonuses are limited to U.S. supermarkets only.

The card’s 3x points also applies to air travel, other hotel purchases, restaurants, gas stations, and EV charging stations (yes — gas is another another item where getting 3x can make the increasingly high prices feel slightly more worth it).

Tack on the card’s $100 annual hotel benefit, and you can easily outweigh the card’s $95 annual fee.

» Related: The Best Citi Credit Cards for Rewards, Perks, and Cash-Back [2026]

5. United℠ Explorer Card

United’s MileagePlus program has made a big change in how users can earn Premier status. Starting January 1, 2027, Premier Qualifying Flights (PQFs) are done, and Premier Qualifying Points (PQPs) become the only thing that counts toward earning status.

United Boeing 777 at Rome Airport FCO
While you’ll still have to take 4 flights annually, spending on a United co-branded card is really what can get you closer to elite status. Image Credit: Daniel Ross

You’ll still have to take at least 4 flights with United annually, but spending is the only metric that counts toward status, which is why you should be ready with the United Explorer card in hand.

Currently the card has the following offer:

Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.

ELEVATED OFFER
United℠ Explorer CardTerms Apply / Rates & Fees
United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Apply Now(at Chase's secure site)
United℠ Explorer Card
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 70,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
Up to 80,000 miles
$960
$150
19.99% - 28.49% Variable
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 card application.
Good to Excellent
Why We Like This Card

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros & Cons
Pros
  • 9x total miles per $1 on eligible United flights
  • 3x miles per $1 on all other eligible United purchases
  • 2x miles per $1 on dining purchases (including delivery services), and hotel stays when booked with the hotel
Cons
  • $0 intro annual fee for the first year, then $150
  • Does not earn transferable rewards
Read Full Review
Card Highlights
  • Earn up to 80,000 bonus miles
  • $0 introductory annual fee for the first year, then $150
  • 9x total miles on eligible United flights and 3x miles on all other eligible United® purchases.
  • 2x miles on dining and hotel stays when booked with the hotel. 1x mile on all other purchases.
  • Free first checked bag - a savings of up to $200 per roundtrip. Terms Apply. Plus, Group 2 priority boarding on United® flights.
  • 2 United Club one-time passes per year - over a $100 value
  • Over $500 in partner credits each year
  • Save 10% or more when booking flights with miles. Premier members save even more.
  • Member FDIC
Financial Snapshot
  • APR: 19.99% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

United MileagePlus Frequent Flyer Program

Why We Love the United Explorer Card

Although the card’s annual fee is slightly higher at $150 after your first year, it’s no extra cost to hold the card for the first year. This means you could really get a lot in value, especially in the first year, when you aren’t paying a fee just yet.

Holding a co-branded United card (or any airline co-branded card) is becoming increasingly more important, as MileagePlus credit or debit cardholders earn up to twice as many miles per $1 on United flights as those who don’t, and they earn more miles when they use their United card to buy their ticket. They also have access to more awards and better-priced awards, saving at least 10% when booking flights with miles and sometimes even more.

In particular with the United Explorer card, cardholders can earn 9x total miles on eligible United flights and 2x miles on dining and hotel stays booked directly (and 1x on everything else).

You can nearly outweigh the annual fee in subsequent years by using the 2 United Club one-time passes per year (this is about $100 in value), and you also get a free checked bag on United flights, among other benefits.

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Hot Tip:

Not loyal to United? Pick your favorite airline and get a co-branded card, which offers perks like free checked bags, priority boarding, and airline-specific credits and benefits. More and more, airlines are saving their top award space for credit cardholders, as well as offering more miles and other perks for co-branded credit cardholders, so it’s the best way to get more with an airline you’re already planning to fly anyway.

Final Thoughts

As 2026 comes to an end, consider applying for another low-annual-fee card, where you can put all your holiday shopping and spending to earn a limited time, elevated welcome offer and take advantage of 2026-specific credits and added value. Plus, because these cards have low annual fees, it’s easy to extract value from them and offset the annual fee if you take advantage of perks and benefits.

Credit cards follow trends, and many are getting refreshes. Apply now, and you might be vested into specific benefits, even if the card changes in the future. Our top tip is to have at least 1 co-branded hotel card, 1 co-branded airline card, and 1 flexible rewards card (or perhaps a few) in order to maximize spending, flights, and stays at brands you’re loyal to and get the most value from your hard-earned points and miles.

Featured Image Credit: Upgraded Points
Lori Zaino's image

About Lori Zaino

Lori is an intrepid traveler who loves creating itineraries that exude “luxe on a budget.” She’s written for CNN, NBC, The Infatuation, and Forbes and has taken points-fueled trips to Sri Lanka, Sicily, and Myanmar.

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Platinum Card® from American Express

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Platinum Card® from American Express

Welcome Offer: As High as 175,000 Points. Find Out Your Offer.

  • You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 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.
  • Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
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  • $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
  • With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
  • $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
  • $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
  • $400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
  • $219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The 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.
  • Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
  • $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
  • $155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
  • $895 annual fee.
  • Terms Apply.

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Upgraded Points, LLC and its website, UpgradedPoints.com, provides information on credit cards, reward programs, travel information and ancillary information concerning travel and credit cards. The information provided is for informational purposes only and should not be considered financial, tax or legal advice.

Upgraded Points, LLC uses reasonable efforts to maintain accurate information on the site — and prior to applying for any credit card offers found on UpgradedPoints.com, all visitors should review other features of such credit cards including but not limited to interest rates, annual fees and transaction fees, and should determine the suitability of such credit cards considering their own individual financial position.

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Many of the credit card offers that appear on this site are from credit card companies from which we may receive financial compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. For more information on our advertisers and how we make money, see our advertising policy here. In addition, as an Amazon Associate we earn from qualifying purchases.

Editorial Disclosure: 

The content featured on UpgradedPoints.com has not been influenced, provided, or reviewed by the credit card companies mentioned. Any and all options, reviews, comments and analyses are the responsibility of the author(s) and not any Advertiser or credit card issuer.