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Most people get drawn to travel credit cards for their big welcome bonuses. But you should also weigh-in ongoing benefits before applying for a card. These include things like airport lounge access, Global Entry or TSA Precheck application credit, and the subject of this guide: annual travel statement credits.
See our list of the best credit card bonuses here.
It’s worth it to pay attention to these cards’ annual travel credit and make sure you use them within the allotted time frame – sometimes one calendar year, sometimes one membership year.
For our list of the best credit cards in for annual travel credits, keep reading or check out our guide to the best credit cards by other spending categories.
Best Credit Cards For Annual Travel Credits
So which credit cards offer the most in annual travel credits? Here is a list of the best cards:
| CREDIT CARD |
Let’s get into more detail below:
CHASE SAPPHIRE RESERVE®
The Chase Sapphire Reserve® card is offering 80,000 bonus points (worth up to $1,600 in travel per our valuations). You’ll need to spend $4,000 on purchases in the first 3 months from account opening to qualify for the bonus. These 80k points are redeemable for $1,200 toward travel through Chase Ultimate Rewards.
This is a premium travel card with a premium annual fee of $550. But, you’ll receive premium benefits such as 5X points on air travel, 10x points spent on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after earning your $300 annual travel credit, 3X points on all other travel and dining, and 1 point per dollar spent on all other purchases.
The card also features an application fee credit (up to $100) for Global Entry or TSA Pre✓®, access to 1,300+ airport lounges with Priority Pass Select, and 50% more in travel redemption through Chase Ultimate Rewards. With Pay Yourself BackSM, your points are worth 50% more for existing purchases in select, rotating categories.
MARRIOTT BONVOY BRILLIANT™ AMERICAN EXPRESS® CARD
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Marriott Bonvoy Brilliant™ American Express® Card has an offer for 75,000 bonus points after spending $3,000 in the first 3 months. We value these 75k points at around $675.
This card earns 6 points per $1 at hotels participating in the Marriott BonvoyTM program and 3 points at U.S. restaurants and on flights booked directly with airlines. You’ll receive 2 points per $1 spent on all other purchases.
You’ll get a Free Night Award (redemption level up to 50,000 points) every account anniversary year, and up to $300 in statement credits each year for eligible purchases at hotels participating in the Marriott BonvoyTM program. Resort fees may apply. Other benefits include unlimited airport lounge visits with the Priority Pass Select membership and no foreign transaction fees.
This premium card comes with an Annual Fee of $450. See Rates & Fees, Terms Apply.
THE PLATINUM CARD® FROM AMERICAN EXPRESS
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Platinum Card® from American Express has a special offer for 100,000 Membership Rewards points after you spend $6,000 in purchases within your first 6 months.
Membership Rewards® points are some of the most valuable in the market. Redeeming these points by booking travel through American Express or by redeeming for gift cards will give you a standard 1 cent per point value. The 100k bonus points are worth $1,000 going this route.
You can potentially get more value by transferring your points to Membership Rewards travel partners. Using this strategy can get you up to an average value of 2 cents per point. Get around $2,000 in value with 100,000 points this way. Read more on this here.
With this card, earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year.
The biggest drawback to this card is the $695 annual fee (see Rates & Fees, Terms Apply), which puts it in the premium class of credit cards. The card has a market because it offers premium travel benefits, such as 5X points for flights (up to $500,000 on these purchases) and eligible hotels, access to 40+ Centurion Loung and Studio locations worldwide, up to $200 airline fee credit annually, and an annual Walmart+ membership. These benefits are given as statement credits.
For frequent travelers, the added benefits make sense in terms of value and added luxury.
THE BUSINESS PLATINUM CARD® FROM AMERICAN EXPRESS
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
The Business Platinum Card® from American Express has a welcome offer for 80,000 Membership Rewards points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership. We value 80k points to be worth around $1,600.
This card earns 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (amextravel.com). Also earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
This is a premium business card with a $695 annual fee. See Rates & Fees, Terms Apply.
CITI PRESTIGE® CREDIT CARD
The Citi Prestige® Card has a 50,000 bonus points offer. Spend $4,000 within 3 months of account opening to qualify. These 50k bonus points are worth $500 in travel.
For the most value out of your points, redeem for flights through Citi, where your bonus will be worth 1.33 cents per point. This is another card that competes in the premium travel category, and the annual fee will signify that at $495.
In effect, this card is only a good option for frequent travelers who can take advantage of the premium benefits : 5X points on air travel & restaurants, 3X points on hotels & cruise lines, $250 Air Travel Credit annually, and free access to 1,300+ airport lounges with Priority Pass Select. For those in this niche market, this card will provide high perceived value.
Additional Guides
While we focused on credit cards with annual travel credits in this post, you’ll want to choose a card with additional earning potential that matches your spending behavior. Click here for our guide on the best credit cards in other categories or check out these other posts:
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