Skip to content

Should you pay your taxes with a credit card?

Oct. 03, 2022
25 min read
Couple on computer together
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Update: Some offers mentioned below are no longer available.

This page includes information about the Discover It Miles that is not currently available on The Points Guy and was not provided by the issuer.


As Benjamin Franklin famously declared, “In this world, nothing is certain except death and taxes.” His words are as true today as when he wrote them over 200 years ago. For those who make quarterly payments or who requested an extension through Oct. 15, 2022, this is probably at the forefront of your mind right now. (Note that Oct. 15 falls on a Saturday this year, so you'll have until the next business day—Monday, Oct. 17, 2022—to file your taxes if you requested an extension.)

Perhaps you’re wondering if it’s worth it to charge your taxes to a rewards credit card so you can earn cash back or points toward travel as you pay your dues to Uncle Sam. Although you will generally get dinged with service charges and other fees for using a credit card to pay your taxes, it can still be worthwhile for a few reasons.

For instance, you might need to hit a minimum-spending threshold to earn the welcome bonus on a new card or to score a spending-based perk like elite-qualifying miles with an airline card or a free night award with a hotel card. Or maybe you have a card that’s offering 0% APR on purchases for a certain timeframe, so you have some breathing room to pay off your tab.

There are plenty of reasons why you might want to pay your taxes with a credit card, but also several caveats. Here’s what you need to know as you consider your options.

The best credit cards for paying your taxes

The information on the Discover it Miles has been collected independently by The Points Guy. The card details on this page have not been reviewed or approved by the issuer.

Here’s what you need to know about paying your taxes in 2022 with a credit card.

Different ways to pay your taxes

If you owe taxes to the IRS, there are several ways to make your payments. Most people opt for one of the following:

Sign up for our daily newsletter
  • You can make a direct payment from your bank account, and the IRS won't charge any extra fees for this type of payment.
  • You can wire the money from a bank account, although this option usually incurs a fee.
  • You can mail a check or money order to the IRS without any fees aside from postage and possibly the money order (depending on where you get it).

If you need a little more time to pay your taxes, you can file for an extension with the IRS or set up an installment agreement that includes a payment plan. You will, however, be expected to pay penalties and interest on that payment plan.

You can also pay your taxes with a debit card. While the fee for that is minimal, you generally won’t earn valuable travel rewards or cash back unless you have a product like the new Amex Rewards Checking debit card, which earns 1 point for every $2 spent on eligible debit card purchases. That spend rate plus other conditions might mean it’s better to use another Amex Membership Rewards-earning card.

The information on the Amex Rewards Checking debit card has been collected independently by The Points Guy. The card details on this page have not been reviewed or approved by the issuer.

Fortunately, the IRS lets you pay your tax bill with a credit card through several third-party payment processors. But be warned: These companies are allowed to tack on their own fees to your payments. You can see a list of these companies and their convenience fees at this link to the IRS website.

The cost of paying taxes with a credit card

When you use a credit card to pay your taxes, the fee is calculated as a percentage of the amount paid. Currently, those fees range from 1.87% to 1.98%. So let’s say you owed $10,000 and wanted to pay via credit card. You’d be on the hook for an extra $187-$198 in fees, depending on the service you use.

IRS.GOV

Reasons to pay your taxes with a credit card

Despite those surcharges, there are still plenty of reasons why it can make sense to pay your taxes with a credit card.

Charging your taxes to a credit card can help you earn valuable rewards. Using a credit card for your taxes can also give you more time to pay off a high tax bill. While this method can certainly be a costly way to pay your taxes, it can also be a rewarding approach for some people.

Here are some of the times it makes sense to use a credit card for your taxes.

Earning a big credit card sign-up bonus or welcome offer

Many rewards cards extend welcome offers including hundreds of dollars worth of cash back or tens of thousands of points if you spend a certain amount of money on your new card within a specific timeframe.

The fact that you can earn a points windfall from your initial spending with a new card is the single most significant reason to use a credit card when paying a sizable tax bill. That’s because the value of the points you earn can help offset the cost of fees for using your card for your taxes.

Some travel rewards cards have especially high minimum spending requirements for earning a bonus, so a tax payment might be just the thing to put you over that threshold.

For example, The Business Platinum Card from American Express is currently offering new applicants the ability to earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first three months of card membership. For its part, the Ink Business Preferred Credit Card offers 100,000 Chase Ultimate Rewards points after you spend $15,000 on purchases within three months of account opening.

Spending $15,000 in three months might be tough for some small-business owners. But if you put a $15,000 tax payment on your card to earn 150,000 points on the Amex Business Platinum or 100,000 points on the Ink Business Preferred, you could pay as little as $280.50 in fees (through Pay1040.com).

According to TPG’s latest valuations, American Express Membership Rewards are worth 2 cents apiece if you maximize your points via Amex transfer partners, so you’d be earning up to $300 in potential travel rewards (15,000 points times 2 cents apiece) on your $15,000 tax bill payment — a slight profit when compared to the fees you pay. Chase Ultimate Rewards are also worth 2 cents apiece according to our valuations, so the 15,000 Ultimate Rewards points you’d earn from paying with your Ink Business Preferred would also be worth $300. And that's just counting the rewards earned on the payment — the bonus points from the welcome offer could be worth $3,000 (Amex Business Platinum Card) or $2,000 (Ink Business Preferred).

That said, you usually only come out ahead using a card to pay taxes when you’re attempting to qualify for a large welcome offer at the same time as you are earning rewards at everyday rates. And if you can otherwise hit the minimum spending requirement without paying taxes with the card (and incurring those fees), it’s better to simply cut a check to the IRS.

Before you choose this option, make sure you can pay your card balance off in full since, if you don’t, you can get hit with interest charges and late fees that quickly wipe out the value of any rewards you might earn. Accruing 15-20% interest on your credit card bill will easily negate a 3-4% return on spending through the points you earn.

Incurring a fee to pay your taxes with a card may be worth it for a free night at a luxury resort like the Conrad Bora Bora. CLINT HENDERSON/THE POINTS GUY

Meet a credit card spending threshold

Many credit cards offer benefits that trigger after you reach a particular spending threshold. These might be based on the calendar year or your cardmember anniversary, but, in either case, making large tax payments could help you earn these rewards when that amount of spending might be out of range otherwise. For example:

Basically, spending large amounts (responsibly) on the right credit cards can nab you valuable extras like a boost toward elite status, free night awards and more.

Spend toward elite status

Several credit cards allow you to boost your elite status — or earn status outright — through spending on a credit card. Putting a large tax payment on one of these credit cards could help you, such as the following:

Use multiple cards to maximize earnings

If you have a large tax bill, you don’t have to spend the entire amount all on one credit card, either.

The IRS page explaining credit card payments says you can only use debit or credit cards to make up to two payments per tax period (year, quarter, or month, depending on the type of taxes you’re paying), but that means you could use two different cards to make two different payments.

For example, say that you have a $30,000 tax payment due. You could apply for both The Business Platinum Card from American Express and the Ink Business Preferred Credit Card. By putting $15,000 on the Amex Business Platinum Card, you’d have spent enough to earn the 150,000-point introductory offer. Plus, since the purchase is more than $5,000, you could earn 1.5 points per dollar (up to $2 million of these purchases per calendar year), which means you’d earn 22,500 points on the purchase itself. Then, you could charge the additional $15,000 balance due on the Ink Business Preferred to earn its 100,000-point sign-up bonus and earn an additional 15,000 points for the spending itself (1 point per dollar on everyday purchases).

All told, you’d end up with more than $5,000 in travel rewards, according to TPG's valuations.

Buy some extra time to pay your taxes

One of TPG’s 10 commandments for earning credit card rewards is never to pay interest charges. It’s paramount that you never bite off more than you can chew. When paying your taxes with a credit card, make a note of when the first day of your new statement period begins on the card you’re looking to use. This way, you may have up to 30 days until your statement closes and nearly 60 days until you need to pay off your balance in full.

Some credit cards even offer 0% APR for an introductory period on new purchases, which can provide you with 12-18 months of interest-free payments on your tax bill. Note that you must pay off the entire balance in full before the promotional period ends or risk exorbitant interest charges.

The downside of using a credit card to pay your taxes

Despite the benefits listed above, using a credit card to pay your taxes can be a reckless strategy, as the interest rate on most rewards credit cards can severely hurt your finances should you end up having to pay it. If you will be unable to pay your statement balance in full after charging your taxes to your credit card, you probably shouldn’t even think about doing so.

Instead, consult your tax professional about your options. The IRS offers payment plans with lower interest rates than most credit cards would extend.

Comparison of the best credit cards for tax payments

Below, you’ll find the general earning rates for the top credit cards to pay your taxes, along with TPG’s valuations of the rewards you can earn.

These include the general earning rates for the best credit cards to pay your taxes. The potential return is the potential earnings based on TPG valuations and maximizing the earnings through the method mentioned in the “Caveat” section — though it doesn’t include the value of any welcome offer you could earn. We're also assuming a 1.87% fee for paying by credit card.

CardEarning RatePotential returnNet after feeCaveat
The Business Platinum Card from American Express1 Membership Rewards point per dollar. Terms apply.3%1.13%50% points bonus on transactions over $5,000 (up to $2 million of these purchases per calendar year).
The Blue Business Plus Credit Card from American Express2 Membership Rewards points per dollar (on the first $50,000 in purchases each calendar year; then 1 point per dollar). Terms apply.4%2.13%Earning 2 points per dollar is limited to $50,000 in purchases per calendar year, then 1 point per dollar.
Chase Freedom Unlimited1.5% cash back.3%1.13%Potential value calculated for combining with points from an Ultimate Rewards-earning card.
Ink Business Unlimited Credit Card1.5% cash back.3%1.13%Potential value calculated for combining with points from an Ultimate Rewards-earning card.
Discover it Miles1.5 miles per dollar.3%1.13%Accounting for the first-year cardholder earnings match.
Chase Sapphire Preferred1 Ultimate Rewards point per dollar.2%0.13%n/a
Capital One Venture Rewards Credit Card2 Capital One miles per dollar.3.7%1.83%n/a
Capital One Venture X Rewards Credit Card2 Capital One miles per dollar.3.7%1.83%n/a
Capital One Spark Miles for Business2 Capital One miles per dollar.3.7%1.83%n/a

If you’re able to claim your convenience fees as a tax deduction on your business (speak with your tax advisor about this possibility), your gains would be even greater.

Now for the details on each of these cards.

The Business Platinum Card from American Express

This card earns 1.5 Membership Rewards points on purchases that exceed $5,000 (on up to $2 million of these purchases per calendar year). Based on TPG’s valuations of 2 cents per Membership Rewards point, this equals 3 cents in value per dollar spent, providing a net gain of 1.13 cents after the 1.87% convenience fee.

THE POINTS GUY

But considering the card currently has a welcome offer of 150,000 bonus points after you spend $15,000 on eligible purchases in the first three months of card membership, the advantages of using the Amex Business Platinum on your taxes this year could outweigh the higher returns from other cards. The card has a $695 annual fee (see rates and fees).

Related: Big bonus, new benefits: A review of the Business Platinum Card from American Express

The Blue Business Plus Credit Card from American Express

The Amex Blue Business Plus card earns 2 points per dollar on all purchases on the first $50,000 spent each calendar year, then 1 per dollar thereafter. Since TPG values Membership Rewards points at 2 cents each, this works out to a fantastic 4 cents in value per dollar.

JOHN GRIBBEN/THE POINTS GUY

After accounting for a 1.87% fee, you'll have a strong net gain of 2.13 cents per dollar charged. That's pretty incredible for a card with no annual fee (see rates and fees).

Related: Blue Business Plus card review: Double up your everyday spending

Chase Freedom Unlimited

The Chase Freedom Unlimited earns 1.5% cash back on purchases, so it wouldn’t seem to make sense to pay a 1.87% fee to pay taxes using this card.

However, new applicants will earn an additional 1.5% cash back on all purchases (on up to $20,000 of spending in your first year). This bumps your cash-back rate on your tax payment to 3% — or an effective return of 1.13% after considering the fee you’d incur.

JOHN GRIBBEN/THE POINTS GUY

As an alternative, suppose you (or your partner) have an Ultimate Rewards-earning Chase credit card such as the Chase Sapphire Preferred Card, Chase Sapphire Reserve or the Ink Business Preferred Credit Card. In that case, you can convert these cash-back earnings to Ultimate Rewards points. Then, you can transfer points from these accounts to over a dozen different travel partners.

TPG values Ultimate Rewards points at 2 cents each. The ability to earn 1.5 points per dollar means that you’ll get 3 cents in value per dollar spent on purchases. This is a net gain of up to 1.13 cents per dollar paid — though if you’ve recently applied for the Freedom Unlimited (and are earning that extra 1.5% cash back in your first year), this climbs to a net return of 4.13 cents per dollar.

Alternatively, you can use these points toward travel reservations through the Chase travel portal. Points redeemed through the Chase Sapphire Reserve are worth 1.5 cents apiece toward travel reservations. Since you earn 1.5 points per dollar spent through the Chase Freedom Unlimited, that means you can get 2.25 cents per dollar spent toward travel reservations through the portal. That’s a net gain of 0.38 cents per dollar paid after subtracting the 1.87% fee.

Points redeemed from the Chase Sapphire Preferred and the Ink Business Preferred are only worth 1.25 cents each toward travel reservations made through the Chase travel portal. Multiplying this redemption rate by the 1.5 points earned with the Freedom Unlimited you’ll earn on purchases only nets 1.875 in value per dollar spent. That means you’d only be about breaking even after paying the 1.87% transaction fee.

Related: Chase Freedom Unlimited: A great card for beginners and pros alike

Ink Business Unlimited Credit Card

The Ink Business Unlimited is essentially the small-business version of the Chase Freedom Unlimited. It also earns 1.5% cash back on all purchases, which you can then convert to Ultimate Rewards points if you carry another Chase card that lets you do so.

JOHN GRIBBEN/THE POINTS GUY

Like the Chase Freedom Unlimited, it has no annual fee. New applicants for the Ink Business Unlimited can also take advantage of a sign-up bonus offering $900 bonus cash back after you spend $6,000 on purchases in the first three months after account opening.

Related: Ink Business Unlimited Credit Card review

Discover it Miles

This card earns 1.5 miles per dollar spent, and miles are worth one 1 cent each toward travel statement credits or as a direct deposit in your bank account. However, Discover will match your first year’s rewards after your account anniversary. This equates to a total potential of 3% back in value for the first year, although you will have to wait a year for the cash-back boost. Still, good things come to those who wait. This provides a 1.13% gain after accounting for the fee you incur by paying with a credit card.

Related: Straightforward earning and redeeming: Discover it Miles card review

Chase Sapphire Preferred Card

While you’ll only earn 1 point per dollar spent when paying your taxes with the Chase Sapphire Preferred, this popular card makes the cut because of its long-term value and decent sign-up bonus.

THE POINTS GUY

You’ll earn 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. The sign-up bonus alone is worth a $1,200 return in travel rewards, per TPG’s most recent point valuations.

Related: Chase Sapphire Preferred card review

Capital One Venture Rewards Credit Card

Now that Capital One has tons of travel transfer partners, the value of the miles you earn with the Capital One Venture has vaulted to 1.85 cents each based on TPG's valuations.

WYATT SMITH/THE POINTS GUY

And since you earn 2 miles per dollar on everyday purchases with this card, that equates to a return of 3.7 cents in value per dollar spent — a net gain of 1.83% after account for the payment fee. Plus, the Capital One Venture Rewards card currently offers 75,000 bonus miles after you spend $4,000 on purchases within the first three months of account opening.

Related: Capital One Venture Rewards Card review

Capital One Venture X Rewards Credit Card

This card from Capital One marks the issuer’s first steps into the premium cards market, and it comes with a significant sign-up bonus to match those ambitions: 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.

JOHN GRIBBEN/THE POINTS GUY

Those miles are worth $750 toward travel but closer to $1,388 based on TPG’s valuations, thanks to Capital One’s phenomenal roster of travel transfer partners. It also earns 2 miles per dollar on everyday purchases, so that equates to a 3.7% return on your spending — decently outpacing the 1.87% surcharge you’ll pay for using a card to cover your taxes.

Related: Capital One Venture X Rewards Card review

Capital One Spark Miles for Business

Like the two personal credit cards from Capital One mentioned above, this small-business card earns 2 miles per dollar on all purchases, which you can redeem for travel statement credits or transfer to mileage partners.

JOHN GRIBBEN/THE POINTS GUY

Therefore, the Capital One Spark Miles for Business offers the same return as the Venture card of up to 1.83 cents per dollar spent in net value after the convenience fees assessed on your payment.

Related: Double miles on everything: Capital One Spark Miles for Business credit card review

Other cards to consider

While there are plenty of great choices above, these are a few alternative cards that might work well for your situation.

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card earns 2 points per dollar on travel and dining purchases and 1.5 points per dollar spent on all other purchases, including taxes. Points are worth 1 cent each toward travel statement credits, so paying taxes with this card is a money-loser for most people. But if you’re a Bank of America Preferred Rewards member, you can earn a rewards bonus of 25% to 75% on every purchase. That means Preferred Rewards clients could earn between 1.875 and 2.625 points per dollar spent on your taxes, for a net gain of up to 0.755 cents per dollar spent.

Related: Not to be underestimated: Bank of America Premium Rewards credit card review

Citi® Double Cash Card

The Citi Double Cash card earns 2 ThankYou Points per dollar on purchases (1 point per dollar when spending and another 1 point per dollar when paying your bill). Points are worth 1 cent each when cashing them out as a statement credit. Earning a total of 2% cash back means that you’re sure to get a slight cash profit no matter which payment provider you use. Even better, this card doesn’t have an annual fee.

The Citi ThankYou points earned with this card can be used with a limited number of transfer partners. However, if you’ve got either the Citi Premier® Card or the Citi Prestige® Card (not available to new applicants), you can transfer your points to the full range of Citi travel partners. Citi ThankYou points are worth 1.8 cents each per TPG valuations, meaning you’ll earn an effective 3.6% back, netting you a value of 1.73 cents per dollar after the 1.87% transaction fee.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Citi Double Cash card review: Simple rewards

Bottom line

Paying your taxes with a credit card can be a lucrative way to earn points and miles as part of a large welcome offer or on an everyday basis. But do your own math to make sure the benefits you get are worth the cost — especially if you have a large bill to pay off today.

For rates and fees of the Business Platinum Amex Card, click here.
For rates and fees of the Amex Blue Business Plus card, click here.

Additional reporting by JT Genter, Madison Blancaflor, Joseph Hostetler, Benét J. Wilson and Ryan Smith.

Featured image by PEOPLEIMAGES/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
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.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 80,000 points are worth $1,200 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    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.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 80,000 points are worth $1,200 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more