Dr. Credit Card - All about Credit Card Travel Perks
Updated January 28, 2024.
Top Credit Cards for Travel Perks
Here we will be focusing on travel perks provided by credit cards. In addition to signup bonus and everyday rewards, travel perks is another reason why we sign up and keep paying annual fees on some cards. We have two featured reviews covering some of them: Comparing High-end Credit Cards, and Credit Cards worth Paying Annual Fees without Spending.
Waived Foreign Transaction Fee and Embedded EMV Chip
After your foreign travel or purchase, the last thing you want is a separate charge on your credit card statement called foreign transaction fee, which is normally 3%. Now many credit cards waive this charge, and you can find a comprehensive list in our featured review. Many of them also come with an embedded EMV chip for enhanced security and better acceptance abroad as many foreign POS terminals don't accept magnetic stripe cards any more. To add more complexity, there are also different types among chip cards. Most U.S. card issuers offer "Chip & Signature" cards which work fine at POS in the U.S. and some POS abroad; however, many foreign POS terminals require PINs, and cards with "Chip & PIN" technology will be more widely accepted. Currently only a few issuers offer "Chip & PIN" cards in the U.S.: Barclays offers credit cards such as AA Aviator Red WEMC with "Chip & Signature" as default and "Chip & PIN" as secondary priority.
Airport Lounge Access
For beginners, please visit our featured review "All About Airport Lounges" to get an idea of different ways of obtaining access to airport VIP lounges. Our recommended for airport lounge access include Amex Platinum Card (Delta Sky Club, Centurion Lounge, International Amex Lounge, Airspace Lounge, and Priority Pass Select), Citi AA Executive WEMC (American Admirals Club, for primary cardholders and authorized users), Chase United Club Card (United Club), Amex Delta Reserve Card (Delta Sky Club, Centurion Lounge), and Priority Pass Select provided with reasonable effective annual fees by US Bank Altitude Reserve (effectively $75) and Capital One Venture X (effectively $95). Here we won't go into details, and if you want to find out more please visit our featured review.
Airline Companion Pass
Companion passes offered by credit cards allow you to take a companion for free or for a fixed amount like $99, when you purchase a ticket yourself. Amex Delta Platinum Card offers a complimentary annual companion pass for an economy class flight within contiguous U.S. Amex Delta Reserve Card's free annual companion pass is even better in that it can be used on economy or first class within contiguous U.S. BofA Alaska Visa offers an annual $99 companion pass (meaning you have to pay a ticket for yourself and $99 plus taxes for your companion) for an economy class flight anywhere Alaska Airlines flies (contiguous U.S., Hawaii, and Alaska). When you spend at least $30,000 per year on Chase Aer Lingus Visa, you will earn an annual economy class companion pass for flights on Aer Lingus metals for free (no taxes or fees associated with this companion pass); even though spending $30K on the card could mean a loss compared to other better performing rewards card, this benefit, once used, is still incredibly lucrative. When you spend at least $30,000 per year on Chase British Visa, you will earn a companion pass to go with an award ticket on British's own metal - this benefit differs from the previous ones in that it is good on an awards ticket instead of a revenue ticket and essentially cuts required miles for both passenger in half. However, bear in mind that you still have to pay the pretty hefty fuel surcharges for both passengers.
Airfare Discount
Certain Visa Infinite cards such as CNB Crystal Visa Infinite and UBS Visa Infinite, offer $100 companion airfare discount per trip for domestic economy class tickets. In 2017, Amex Platinum revamped its International Airfare Program to offer certain discount on international premium economy, business, or first class tickets on over 20 airline partners, with a $39 service fee per ticket. Chase Iberia Visa offers a $1,000 companion discount code for Iberia flights after you spend $30K per year; even though spending $30K on the card could mean a loss compared to other better performing rewards card, this benefit, once used, is still incredibly lucrative. In addition, Iberia Visa also offers unlimited 10% discount on Iberia flights booked through a special online portal for Chase cardholders. Chase United Quest offers annual $125 credits towards United airfare purchases.
Reaching Airline Elite Status Faster
Only very few cards offer Elite Qualifying Miles (EQM) to help you reach the next elite status faster. You earn 10,000 Delta EQMs for each $25,000 spent, up to twice a year, on Amex Delta Platinum Card. You earn 15,000 EQMs for each $30,000 spent, up to four times a year, on Amex Delta Reserve Card. In addition, both Delta Reserve Amex and Delta Platinum Amex offer an Elite Qualifying Dollar waiver towards Delta Silver/Gold/Platinum status when you spend over $25,000 per year. Amex Centurion Card offers the lucrative Delta Platinum elite status directly "for free" (considering the $5,000 annual fee). After American Airlines AAdvantage program revamp in 2022, you will earn 1 Loyalty Point per dollar spent on co-branded AAdvantage credit cards such as Citi AA Platinum WEMC, Citi AA Executive WEMC, and Barclays AA Aviator Red WEMC. This means you could achieve AAdvantage Gold status solely with the card by spending $30K, Platinum status by spending $75K, Platinum Pro status by spending $125K, or Executive Platinum status by spending $200K, in a calendar year. Rewards points earned from signup and spending through Chase Southwest Visa are counted toward Southwest's potentially extremely lucrative top-tier status - Companion Pass, which allows you to take a companion for free as many times as you want. Chase Aeroplan MasterCard gives you the entry-level elite 25K status when you spend $15,000 per year and a one-level status upgrade when you spend $50,000 per year. Barclays JetBlue Plus WEMC offers Mosaic status, JetBlue's only elite status level, when you spend at least $50,000 per year. Mosaic, which doesn't offer upgrades to first or business class, is generally comparable to legacy airlines' entry level status.
Enhanced Airport Experience
Amex Platinum Card, Amex Marriott Bonvoy Brilliant, Chase Sapphire Reserve, Citi Prestige, Citi AA Executive, BofA PR Visa, BofA PR Elite, Capital One Venture X, CNB Crystal, or MasterCard Black Card / Gold Card will reimburse your cost for applying Global Entry ($100) or TSA PreCheck ($85). Global Entry allows you clear custom quicker when returning to the U.S., and TSA PreCheck allows you to clear security checkpoints quicker when traveling within the U.S. (Global Entry membership actually comes with TSA PreCheck, so if you ever travel abroad it is recommended to apply for Global Entry instead of TSA PreCheck). Amex Platinum Card and Amex Hilton Aspire cover the annual membership for CLEAR Plus, which also allows you to clear security quicker at select U.S. airports using a dedicated lane different from TSA preCheck. A few airline co-branded credit cards such as Chase United Club Card and Citi AA Executive offer priority check-in, priority security screening, priority boarding, and priority baggage handling. Several airline co-branded credit cards offer waived first checked bag fees and priority boarding for the cardmember plus a certain number of passengers on the same reservation, and some examples include Citi AA Platinum Select, Chase United Explorer Card, Amex Delta Reserve Card, and Amex Delta Platinum Card.
Luxury Hotel Privileges
Amex Fine Hotels and Resorts (FHR) is considered the gold standard among luxury hotel programs offered by credit cards. It is dedicated to Amex Platinum and Amex Centurion members, and covers over 1,000 luxury hotels and resorts worldwide, including chains such as Four Seasons, Ritz-Carlton, Mandarin Oriental, Peninsula, St. Regis, Park Hyatt, Waldorf Astoria, Rosewood, Fairmont, Aman Resorts, Six Senses, Banyan Tree, and many individually managed hotels. Through FHR, you pay the same Best Available Rate as you would when booking directly with the hotel or through a third-party agent, but you receive exclusive perks: daily complimentary breakfasts for two, room upgrades upon availability, noon check-in upon availability, guaranteed 4pm check-out, free Wi-Fi, and a hotel specific amenity (usually once per stay) such as a $100 dining/spa/hotel credit, a complimentary lunch or dinner for two, or 50-minute massage treatments for two. In addition, many FHR hotels regularly participate in 3rd Night Free or 4th Night Free promotions. The savings through this program can be huge.
Similar programs provided by credit cards include Chase Luxury Hotel & Resort Collection (via Signature Travel Network covering 1,000+ hotels and resorts, on Chase Sapphire Reserve, Sapphire Preferred, United Club Card, United Quest Card, United Explorer Card), Ensemble Travel Group covering 700+ hotels and resorts as provided by MasterCard Black Card / Gold Card (which also provides privileges at Mandarin Oriental and Villas of Destination), Visa Signature Hotel Collection (covering 900+ hotels and resorts, available on any U.S. issued Visa Signature or Visa Infinite; perks include daily complimentary breakfasts for two, room upgrades upon availability, 3pm check-out based on availability, $25 F&B credit per stay, free Wi-Fi, and VIP guest status like small amenities or dedicated check-in lanes), Visa Infinite Hotel Collection (available on any U.S. issued Visa Infinite such as US Bank Altitude Reserve, CNB Crystal, Capital One Venture X, Chase Sapphire Reserve, and BofA PR Elite, covering a subset of Visa Signature hotels but offering an extra hotel specific amenity such as a $100 credit per stay), and MasterCard World Elite Luxury Hotels and Resorts (available on any WEMC).
Complimentary Hotel Elite Status
Unlike airline elite status, complimentary hotel elite status is often offered to credit card members. Amex Hilton Surpass offers Hilton Gold for free (which guarantees daily breakfasts for two at Waldorf Astoria, Conrad, Hilton, DoubleTree, Curio Collection, and Tapestry Collection hotels and resorts) and Hilton Diamond (which further guarantees lounge access at Conrad, Hilton, DoubleTree, Curio Collection, and Tapestry Collection hotels and resorts) after $40,000 spent per year. Amex Hilton Aspire, even better, offers Hilton Diamond as long as you have the card. Marriott Platinum, offered for free by Amex Marriott Bonvoy Brilliant, is a good match for Hilton Diamond. Marriott Gold, offered for free by Amex Marriott Bonvoy Bevy or Chase Marriott Bonvoy Bountiful, on the other hand, does not offer much. Amex Platinum Card offers Hilton Gold and Marriott Gold status, both for free. Chase IHG Premier WEMC offers complimentary IHG Platinum status. Chase World of Hyatt Visa offers complimentary Hyatt Discoverist status.
Anniversary Free Hotel Night
Several credit cards offer a free hotel night upon anniversary when card members renew and pay the annual fee, while a few offer a free night when you spend a certain amount in the previous year. Amex Hilton Surpass offers an annual free night at most Hilton portfolio hotels after you spend $15,000 per year. Their most expensive hotels require 95,000+ Hilton points or $400~$1,000 per night, and examples include Conrad Maldives, Conrad Koh Samui, Conrad Bora Bora Nui, Conrad Tokyo, Hilton Seychelles Labriz, Hilton Seychelles Northolme, Waldorf Astoria Beverly Hills, Waldorf Astoria Amsterdam, etc. Amex Hilton Aspire, better still, offers an annual free night as long as you have the card, a second free night after you spend $30,000 per year, and a third after you spend $60,000 per year. Chase Marriott Bonvoy Boundless Visa offers an anniversary free night at any Marriott portfolio hotel with a redemption level up to 35,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) after you pay the $95 annual fee. Marriott's top-tier hotels will require 70,000+ points per night; this certificate is mostly good toward mid-range hotels; however, in some parts of the world, you can still find very nice hotels in this range. Amex Marriott Bonvoy Bevy or Chase Marriott Bonvoy Bountiful offers an annual free night with a redemption level up to 50,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) after you spend $15,000 per year. Amex Marriott Bonvoy Brilliant offers an anniversary free night with a redemption level up to 85,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) as long as you have the card, and this certificate obviously gets you into much better hotels. Chase World of Hyatt Visa offers an anniversary free night at any Category 1-4 hotels worldwide after you pay the $95 annual fee and a second Category 1-4 free night after you spend at least $15,000 per year. Currently Hyatt has 7 categories, and you may still find some nice hotels in Categories 1-4. Chase IHG Premier WEMC offers an anniversary free night at IHG hotels with a redemption level up to 40,000 points (and also allowing top-off with your own points for a redemption level higher than 40,000 points), when you pay the $99 annual fee. For your information, the top-tier IHG hotels require 70,000+ points per night.
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Top Credit Cards for Travel Perks
- American Express Platinum Card
- American Express Hilton Honors Aspire Card
- American Express Delta SkyMiles Reserve Card
- Citi AAdvantage Executive World Elite MasterCard
- Chase United Club Visa Infinite
- American Express Marriott Bonvoy Brilliant Card
- Capital One Venture X Visa Infinite
- American Express Hilton Honors Surpass Card
- Chase United Quest Visa Signature
- Chase Sapphire Reserve Visa Infinite
Here we will be focusing on travel perks provided by credit cards. In addition to signup bonus and everyday rewards, travel perks is another reason why we sign up and keep paying annual fees on some cards. We have two featured reviews covering some of them: Comparing High-end Credit Cards, and Credit Cards worth Paying Annual Fees without Spending.
Waived Foreign Transaction Fee and Embedded EMV Chip
After your foreign travel or purchase, the last thing you want is a separate charge on your credit card statement called foreign transaction fee, which is normally 3%. Now many credit cards waive this charge, and you can find a comprehensive list in our featured review. Many of them also come with an embedded EMV chip for enhanced security and better acceptance abroad as many foreign POS terminals don't accept magnetic stripe cards any more. To add more complexity, there are also different types among chip cards. Most U.S. card issuers offer "Chip & Signature" cards which work fine at POS in the U.S. and some POS abroad; however, many foreign POS terminals require PINs, and cards with "Chip & PIN" technology will be more widely accepted. Currently only a few issuers offer "Chip & PIN" cards in the U.S.: Barclays offers credit cards such as AA Aviator Red WEMC with "Chip & Signature" as default and "Chip & PIN" as secondary priority.
Airport Lounge Access
For beginners, please visit our featured review "All About Airport Lounges" to get an idea of different ways of obtaining access to airport VIP lounges. Our recommended for airport lounge access include Amex Platinum Card (Delta Sky Club, Centurion Lounge, International Amex Lounge, Airspace Lounge, and Priority Pass Select), Citi AA Executive WEMC (American Admirals Club, for primary cardholders and authorized users), Chase United Club Card (United Club), Amex Delta Reserve Card (Delta Sky Club, Centurion Lounge), and Priority Pass Select provided with reasonable effective annual fees by US Bank Altitude Reserve (effectively $75) and Capital One Venture X (effectively $95). Here we won't go into details, and if you want to find out more please visit our featured review.
Airline Companion Pass
Companion passes offered by credit cards allow you to take a companion for free or for a fixed amount like $99, when you purchase a ticket yourself. Amex Delta Platinum Card offers a complimentary annual companion pass for an economy class flight within contiguous U.S. Amex Delta Reserve Card's free annual companion pass is even better in that it can be used on economy or first class within contiguous U.S. BofA Alaska Visa offers an annual $99 companion pass (meaning you have to pay a ticket for yourself and $99 plus taxes for your companion) for an economy class flight anywhere Alaska Airlines flies (contiguous U.S., Hawaii, and Alaska). When you spend at least $30,000 per year on Chase Aer Lingus Visa, you will earn an annual economy class companion pass for flights on Aer Lingus metals for free (no taxes or fees associated with this companion pass); even though spending $30K on the card could mean a loss compared to other better performing rewards card, this benefit, once used, is still incredibly lucrative. When you spend at least $30,000 per year on Chase British Visa, you will earn a companion pass to go with an award ticket on British's own metal - this benefit differs from the previous ones in that it is good on an awards ticket instead of a revenue ticket and essentially cuts required miles for both passenger in half. However, bear in mind that you still have to pay the pretty hefty fuel surcharges for both passengers.
Airfare Discount
Certain Visa Infinite cards such as CNB Crystal Visa Infinite and UBS Visa Infinite, offer $100 companion airfare discount per trip for domestic economy class tickets. In 2017, Amex Platinum revamped its International Airfare Program to offer certain discount on international premium economy, business, or first class tickets on over 20 airline partners, with a $39 service fee per ticket. Chase Iberia Visa offers a $1,000 companion discount code for Iberia flights after you spend $30K per year; even though spending $30K on the card could mean a loss compared to other better performing rewards card, this benefit, once used, is still incredibly lucrative. In addition, Iberia Visa also offers unlimited 10% discount on Iberia flights booked through a special online portal for Chase cardholders. Chase United Quest offers annual $125 credits towards United airfare purchases.
Reaching Airline Elite Status Faster
Only very few cards offer Elite Qualifying Miles (EQM) to help you reach the next elite status faster. You earn 10,000 Delta EQMs for each $25,000 spent, up to twice a year, on Amex Delta Platinum Card. You earn 15,000 EQMs for each $30,000 spent, up to four times a year, on Amex Delta Reserve Card. In addition, both Delta Reserve Amex and Delta Platinum Amex offer an Elite Qualifying Dollar waiver towards Delta Silver/Gold/Platinum status when you spend over $25,000 per year. Amex Centurion Card offers the lucrative Delta Platinum elite status directly "for free" (considering the $5,000 annual fee). After American Airlines AAdvantage program revamp in 2022, you will earn 1 Loyalty Point per dollar spent on co-branded AAdvantage credit cards such as Citi AA Platinum WEMC, Citi AA Executive WEMC, and Barclays AA Aviator Red WEMC. This means you could achieve AAdvantage Gold status solely with the card by spending $30K, Platinum status by spending $75K, Platinum Pro status by spending $125K, or Executive Platinum status by spending $200K, in a calendar year. Rewards points earned from signup and spending through Chase Southwest Visa are counted toward Southwest's potentially extremely lucrative top-tier status - Companion Pass, which allows you to take a companion for free as many times as you want. Chase Aeroplan MasterCard gives you the entry-level elite 25K status when you spend $15,000 per year and a one-level status upgrade when you spend $50,000 per year. Barclays JetBlue Plus WEMC offers Mosaic status, JetBlue's only elite status level, when you spend at least $50,000 per year. Mosaic, which doesn't offer upgrades to first or business class, is generally comparable to legacy airlines' entry level status.
Enhanced Airport Experience
Amex Platinum Card, Amex Marriott Bonvoy Brilliant, Chase Sapphire Reserve, Citi Prestige, Citi AA Executive, BofA PR Visa, BofA PR Elite, Capital One Venture X, CNB Crystal, or MasterCard Black Card / Gold Card will reimburse your cost for applying Global Entry ($100) or TSA PreCheck ($85). Global Entry allows you clear custom quicker when returning to the U.S., and TSA PreCheck allows you to clear security checkpoints quicker when traveling within the U.S. (Global Entry membership actually comes with TSA PreCheck, so if you ever travel abroad it is recommended to apply for Global Entry instead of TSA PreCheck). Amex Platinum Card and Amex Hilton Aspire cover the annual membership for CLEAR Plus, which also allows you to clear security quicker at select U.S. airports using a dedicated lane different from TSA preCheck. A few airline co-branded credit cards such as Chase United Club Card and Citi AA Executive offer priority check-in, priority security screening, priority boarding, and priority baggage handling. Several airline co-branded credit cards offer waived first checked bag fees and priority boarding for the cardmember plus a certain number of passengers on the same reservation, and some examples include Citi AA Platinum Select, Chase United Explorer Card, Amex Delta Reserve Card, and Amex Delta Platinum Card.
Luxury Hotel Privileges
Amex Fine Hotels and Resorts (FHR) is considered the gold standard among luxury hotel programs offered by credit cards. It is dedicated to Amex Platinum and Amex Centurion members, and covers over 1,000 luxury hotels and resorts worldwide, including chains such as Four Seasons, Ritz-Carlton, Mandarin Oriental, Peninsula, St. Regis, Park Hyatt, Waldorf Astoria, Rosewood, Fairmont, Aman Resorts, Six Senses, Banyan Tree, and many individually managed hotels. Through FHR, you pay the same Best Available Rate as you would when booking directly with the hotel or through a third-party agent, but you receive exclusive perks: daily complimentary breakfasts for two, room upgrades upon availability, noon check-in upon availability, guaranteed 4pm check-out, free Wi-Fi, and a hotel specific amenity (usually once per stay) such as a $100 dining/spa/hotel credit, a complimentary lunch or dinner for two, or 50-minute massage treatments for two. In addition, many FHR hotels regularly participate in 3rd Night Free or 4th Night Free promotions. The savings through this program can be huge.
Similar programs provided by credit cards include Chase Luxury Hotel & Resort Collection (via Signature Travel Network covering 1,000+ hotels and resorts, on Chase Sapphire Reserve, Sapphire Preferred, United Club Card, United Quest Card, United Explorer Card), Ensemble Travel Group covering 700+ hotels and resorts as provided by MasterCard Black Card / Gold Card (which also provides privileges at Mandarin Oriental and Villas of Destination), Visa Signature Hotel Collection (covering 900+ hotels and resorts, available on any U.S. issued Visa Signature or Visa Infinite; perks include daily complimentary breakfasts for two, room upgrades upon availability, 3pm check-out based on availability, $25 F&B credit per stay, free Wi-Fi, and VIP guest status like small amenities or dedicated check-in lanes), Visa Infinite Hotel Collection (available on any U.S. issued Visa Infinite such as US Bank Altitude Reserve, CNB Crystal, Capital One Venture X, Chase Sapphire Reserve, and BofA PR Elite, covering a subset of Visa Signature hotels but offering an extra hotel specific amenity such as a $100 credit per stay), and MasterCard World Elite Luxury Hotels and Resorts (available on any WEMC).
Complimentary Hotel Elite Status
Unlike airline elite status, complimentary hotel elite status is often offered to credit card members. Amex Hilton Surpass offers Hilton Gold for free (which guarantees daily breakfasts for two at Waldorf Astoria, Conrad, Hilton, DoubleTree, Curio Collection, and Tapestry Collection hotels and resorts) and Hilton Diamond (which further guarantees lounge access at Conrad, Hilton, DoubleTree, Curio Collection, and Tapestry Collection hotels and resorts) after $40,000 spent per year. Amex Hilton Aspire, even better, offers Hilton Diamond as long as you have the card. Marriott Platinum, offered for free by Amex Marriott Bonvoy Brilliant, is a good match for Hilton Diamond. Marriott Gold, offered for free by Amex Marriott Bonvoy Bevy or Chase Marriott Bonvoy Bountiful, on the other hand, does not offer much. Amex Platinum Card offers Hilton Gold and Marriott Gold status, both for free. Chase IHG Premier WEMC offers complimentary IHG Platinum status. Chase World of Hyatt Visa offers complimentary Hyatt Discoverist status.
Anniversary Free Hotel Night
Several credit cards offer a free hotel night upon anniversary when card members renew and pay the annual fee, while a few offer a free night when you spend a certain amount in the previous year. Amex Hilton Surpass offers an annual free night at most Hilton portfolio hotels after you spend $15,000 per year. Their most expensive hotels require 95,000+ Hilton points or $400~$1,000 per night, and examples include Conrad Maldives, Conrad Koh Samui, Conrad Bora Bora Nui, Conrad Tokyo, Hilton Seychelles Labriz, Hilton Seychelles Northolme, Waldorf Astoria Beverly Hills, Waldorf Astoria Amsterdam, etc. Amex Hilton Aspire, better still, offers an annual free night as long as you have the card, a second free night after you spend $30,000 per year, and a third after you spend $60,000 per year. Chase Marriott Bonvoy Boundless Visa offers an anniversary free night at any Marriott portfolio hotel with a redemption level up to 35,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) after you pay the $95 annual fee. Marriott's top-tier hotels will require 70,000+ points per night; this certificate is mostly good toward mid-range hotels; however, in some parts of the world, you can still find very nice hotels in this range. Amex Marriott Bonvoy Bevy or Chase Marriott Bonvoy Bountiful offers an annual free night with a redemption level up to 50,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) after you spend $15,000 per year. Amex Marriott Bonvoy Brilliant offers an anniversary free night with a redemption level up to 85,000 points (and also allowing top-off with your own points, up to 15,000 additional points, for a higher redemption level) as long as you have the card, and this certificate obviously gets you into much better hotels. Chase World of Hyatt Visa offers an anniversary free night at any Category 1-4 hotels worldwide after you pay the $95 annual fee and a second Category 1-4 free night after you spend at least $15,000 per year. Currently Hyatt has 7 categories, and you may still find some nice hotels in Categories 1-4. Chase IHG Premier WEMC offers an anniversary free night at IHG hotels with a redemption level up to 40,000 points (and also allowing top-off with your own points for a redemption level higher than 40,000 points), when you pay the $99 annual fee. For your information, the top-tier IHG hotels require 70,000+ points per night.
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