The top 10 credit cards with annual travel statement credits

Dec 16, 2021

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Editor’s note: This post has been updated with new information. 


Travel rewards credit cards entice new cardholders with flashy welcome offers and waived annual fees during the first year.

However, many of the premium rewards cards on the market also offer ongoing travel benefits. These perks include not only things such as airport lounge access and Global Entry or TSA PreCheck application fee reimbursements, but also annual statement credits toward travel purchases.

This benefit can vary from a flat $300 per year for a wide variety of travel purchases, as you get with the Chase Sapphire Reserve, to up to $200 specifically for non-ticket airline incidentals on one carrier with The Platinum Card® from American Express per calendar year (enrollment required), or up to $300 in annual statement credits toward eligible purchases at hotels participating in the Marriott Bonvoy program per card membership year, as the Marriott Bonvoy Brilliant™ American Express® Card confers.

Today, we’ll walk through which cards have annual travel credits and how flexible they are for hotels, flights — and everything in between.

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In This Post

Overview of credit cards with annual travel credits

The information for the Citi Prestige, Hilton Aspire and U.S. Bank Altitude Reserve cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Card Annual travel credit Welcome offer/sign-up bonus Annual fee Expanded beyond travel in 2021?
Chase Sapphire Reserve Up to $300 for general travel. 50,000 points after you spend $4,000 on purchases in the first three months from account opening. $550. Yes; use your credit on gas and groceries through Dec. 31.
Capital One Venture X Up to $300 in statement credits for flights, hotels or rental cars booked through the Capital One Travel portal. 100,000 bonus miles once you spend $10,000 on purchases within the first six months from account opening. For a limited time, get up to $200 back in statement credits for vacation rentals in the first year of account opening. $395. No.
Citi Prestige Up to $250 for general travel. No longer available to new applicants. $495. Yes; use your credit on groceries and dining through the end of 2021.
Hilton Honors American Express Aspire Card Up to $250 on Hilton purchases and up to $250 on airline incidentals per calendar year. Enrollment is required for select benefits. 150,000 points after you spend $4,000 on purchases in the first three months of card membership .Terms apply. $450
(see rates & fees).
No.
U.S. Bank Altitude Reserve Visa Infinite Up to $325 for general travel. 50,000 points after you spend $4,500 in the first 90 days of account opening. $400. Yes; use your credit on travel as well as dining, including takeout and delivery.
Marriott Bonvoy Brilliant American Express Card Up to $300 toward eligible purchases per card membership year at hotels participating in the Marriott Bonvoy program. 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership. $450
(see rates & fees).
No.
The Platinum Card from American Express Up to $200 in statement credits for airline incidentals and up to $200 in Uber Cash for U.S. services per calendar year. Enrollment is required for select benefits. 100,000 points after you spend $6,000 in the first six months of card membership (possibly higher through CardMatch). Terms apply. Plus, earn 10 points per dollar spent on eligible purchases on your card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during your first six months of card membership. $695
(see rates & fees).
No, although the U.S. Uber Cash can be put toward Uber Eats orders.
The Business Platinum Card from American Express Up to $200 in statement credits for airline incidentals per calendar year. Enrollment is required for select benefits. Earn 120,000 bonus points after you spend $15,000 on eligible purchases within the first three months of card membership. $595 ($695 if the application is received on or after Jan. 13, 2022; see rates & fees). No.
Bank of America Premium Rewards credit card Up to $100 in annual statement credit for airline incidental fees. 50,000 points after you spend $3,000 in the first 90 days of account opening. $95. No.
Amex Gold Card Up to $120 in Uber Cash for U.S. services (up to $10 credit each month) per calendar year. Card must be added in Uber app to receive Uber Cash benefit. Enrollment is required for select benefits. 60,000 points after you spend $4,000 on eligible purchases with your card within the first six months of card membership. Terms apply. $250
(see rates & fees).
No, although the Uber Cash can also be applied to Uber Eats orders in the U.S.

Chase Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)

Annual travel credit: $300 annual travel credit as reimbursement for a broad range of travel purchases charged to your card each account anniversary year. This credit must be spent before you earn higher points per dollar (3x) spent on travel. Through Dec. 31, 2021, you can use your travel credit on gas and grocery purchases, too.

Current sign-up bonus: Earn 50,000 bonus points after you spend $4,000 in the first three months from account opening.

Annual fee: $550.

Other benefits: The Chase Sapphire Reserve is widely considered to be one of the best all-around travel rewards credit cards, thanks to its slate of chart-topping benefits. In addition to that annual travel statement credit, cardholders earn unlimited 3 points per dollar on travel and dining worldwide. Ultimate Rewards points transfer to 11 airline partners, including Southwest and United, and three hotel partners, including Hyatt, IHG and Marriott. Points may also be redeemed directly through the Chase travel portal for 1.5 cents apiece. Cardholders can access Priority Pass lounges and be reimbursed up to $100 once every four years for a Global Entry or TSA PreCheck application fee.

During the pandemic, Chase has added multiple ways to make its travel cards more valuable. For the Chase Sapphire Reserve, that means cardholders can use their $300 travel credit for travel, gas and groceries through the end of 2021.

Capital One Venture X Rewards credit card

(Photo by John Gribben for The Points Guy)

Annual travel credit: Up to $300 for flights, hotels or rental cars booked through the Capital One Travel portal.

Current sign-up bonus: Earn 100,000 bonus miles once you spend $10,000 on purchases within the first six months from account opening. For a limited time, get up to $200 back in statement credits for vacation rentals in the first year of account opening.

Annual fee: $395.

Other benefits: The Capital One Venture X is one of the newest premium credit cards and has garnered lots of attention in the points and miles world. Cardholders earn 10 miles per dollar on hotel and car rentals booked through Capital One Travel, 5 miles per dollar on flights booked through Capital One Travel and 2 miles per dollar on all other eligible purchases. Capital One miles transfer to 15-plus airline and hotel loyalty programs, such as Air Canada Aeroplan and Turkish Airlines Miles&Smiles.

Other benefits of the Venture X include unlimited access for you and two guests to the Capital One and Priority Pass lounges, a Global Entry or TSA Precheck statement credit, the ability to add four authorized users for free (and share those lounge benefits!) and more.

Citi Prestige® Card

(Photo by John Gribben/The Points Guy)

Annual travel credit: Up to $250 worth of annual travel statement credits each calendar year toward travel purchases, including airline tickets, hotel stays, car rentals, commuter transportation, subways, taxis, train tickets, etc. Citi has expanded this credit to include dining and supermarkets through the end of 2021.

Current sign-up bonus: The card is no longer available to new applicants.

Annual fee: $495.

Other benefits: If you’re a Citi Prestige cardholder, you earn an incredible 5 points per dollar at restaurants and on air travel, 3 points per dollar at hotels and on cruise lines, and 1 point per dollar on all other purchases. Citi ThankYou points transfer to 18 airline and hotel partner programs, including Air France-KLM Flying Blue, Virgin Atlantic Flying Club and Wyndham Rewards.

Cardholders can enter Priority Pass lounges and receive the fourth night free on up to two hotel stays per year when booking through the Citi concierge or online at ThankYou.com. You won’t pay foreign transaction fees with this card. You can receive Global Entry or TSA PreCheck application fee reimbursement once every five years. Unfortunately, this card is no longer available to new applications.

Hilton Honors American Express Aspire Card

(Photo by Eric Helgas/The Points Guy)

Annual travel credit: Up to $250 in statement credits each year of card membership for eligible purchases at participating Hilton Resorts, plus up to $250 back each year for airline incidentals such as checked bags and seat selection.

Current welcome offer: Earn 150,000 Hilton Honors bonus points after you spend $4,000 in purchases on the card within the first three months of card membership.

Annual fee: $450 (see rates and fees).

Other benefits: The Hilton Honors Aspire earns a whopping 14 points per dollar on Hilton purchases; 7 points per dollar on flights booked through Amex Travel or directly through airlines, on car rentals and at U.S. restaurants; and 3 points per dollar on everything else. It comes with automatic top-tier Hilton Honors Diamond status, an annual free weekend night and Priority Pass Select lounge access. Get up to $100 in credits for qualifying charges at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts when booking two-night-minimum stays via hiltonhonorsaspirecard.com. Enrollment is required for select benefits.

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

(Photo by John Gribben/The Points Guy)

Annual travel credit: Up to $325 in statement credits per cardmember year for purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines. U.S. Bank has updated the card’s landing page to state that this credit can now also be applied to takeout, food delivery and dining purchases.

Current sign-up bonus: Earn 50,000 bonus points after you spend $4,500 within 90 days of account opening.

Annual fee: $400.

Other benefits: U.S. Bank Altitude Reserve Visa cardholders earn 5 points per dollar on prepaid hotel bookings made through the Altitude Rewards Center, 3 points per dollar on travel and mobile wallet purchases and 1 point per dollar on everything else.

Cardholders can redeem points for 1.5 cents apiece on airfare, hotels and car rentals booked through the Altitude Rewards Center, and lower values for other purchases. If used mostly for travel, your rate of return is a considerable 4.5%.

Enjoy a 12-month Priority Pass Select membership for airport lounge access, reimbursement for a Global Entry or TSA PreCheck application fee every four years and waived foreign transaction fees.

Marriott Bonvoy Brilliant™ American Express® Card

(Photo by Eden Batki/The Points Guy)

Annual travel credit: Up to $300 in statement credits each year of card membership for eligible purchases at hotels participating in the Marriott Bonvoy program. Unfortunately, you can’t apply this credit to other purchases at this time.

Current welcome offer: Earn 75,000 bonus points after you spend $3,000 in purchases within the first three months of card membership. Plus, earn up to $200 in statement credits for eligible purchases made on your new card at U.S. restaurants within the first six months of card membership.

Annual fee: $450 (see rates and fees).

Other benefits: The Bonvoy Brilliant has almost too many other benefits to mention. It earns 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy program, 3 points per dollar at U.S. restaurants and on flights booked directly with airlines, and 2 points per dollar on other eligible purchases.

It confers Priority Pass Select membership for lounge access and provides Global Entry or TSA PreCheck application fee reimbursement once every four years. Cardholders receive automatic Marriott Bonvoy Gold status (and Platinum status if they hit $75,000 in calendar-year spending), complimentary premium in-room internet and a free anniversary award worth up to 50,000 points each year. You can also get up to $100 in credit for qualifying charges by using your card to book a special rate on stays of two nights or more at The Ritz-Carlton or St. Regis properties. Enrollment is required for select benefits.

The Platinum Card® from American Express

(Photo by Ashley Kosciolek/The Points Guy)

Annual travel credit: Up to $200 back on airline incidental fees charged by the carrier you select each calendar year. Unfortunately, airfare itself does not count per the terms. Cardholders can score up to $200 in annual Uber Cash (for U.S. services), too.

Current welcome offer: Earn 100,000 Membership Rewards points after you spend $6,000 in the first six months. Plus, earn 10x points spent on eligible purchases on your card at restaurants worldwide and when you “Shop Small” in the U.S., on up to $25,000 in combined purchases, during your first six months of card membership.

Annual fee: $695 (see rates and fees).

Other benefits: The Amex Platinum Card has plenty of perks to justify its high annual fee. Earn 5 points per dollar on airfare booked directly with the airline or American Express Travel and prepaid hotels booked with American Express Travel (on up to $500,000 on these purchases per calendar year). You can transfer the Membership Rewards points you earn with this card to a total of 22 airline and hotel partners. There’s also up to $100 in credit at Saks Fifth Avenue plus a statement credit for a Global Entry or TSA PreCheck application fee once every 4.5 years. Enrollment is required for select benefits.

The card gets you into Centurion Lounges and offers Priority Pass lounge access, plus Delta Sky Club access when you’re on a same-day Delta flight. At hotels, enjoy value-added benefits when booking stays through Amex Fine Hotels + Resorts plus Gold status with Hilton Honors and Gold Elite status with Marriott. Through Amex’s International Airline Program, cardholders can get discounts on premium-economy, business- and first-class tickets on 25 airlines. Enrollment is required for select benefits.

The Business Platinum Card® from American Express

(Photo by Ryan Patterson/The Points Guy)

Annual travel credit: Up to $200 back on airline incidental fees charged by the carrier you select each calendar year.

Current welcome offer: Earn 120,000 bonus points after you spend $15,000 on eligible purchases within the first three months of card membership.

Annual fee: $695 (see rates and fees).

Other benefits: The Amex Business Platinum offers similar benefits as the personal version and some great additional ones.

The card offers up to $400 in annual statement credits for U.S. Dell technology purchases. Cardholders can count earning 1.5 points per dollar on eligible purchases in select business categories and eligible purchases of $5,000 or more, on up to $2 million of these purchases per calendar year, plus a 35% rebate when redeeming points for airfare booked through Amex Travel (up to 500,000 points per calendar year) on their selected qualifying airline, or for business- or first-class tickets on any airline. Enrollment is required for select benefits.

Bank of America® Premium Rewards® credit card

(Photo by John Gribben/The Points Guy)

Annual travel credit: Up to $100 in annual statement credits for airline incidentals like checked bags, seat selection or upgrades each year.

Current sign-up bonus: Receive 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.

Annual fee: $95.

Other benefits: The Bank of America Premium Rewards card has a solid rate of return. Cardholders earn 2 points per dollar on travel and dining and 1.5 points per dollar on everything else.

You can boost your earnings 25% to 75%, depending on how much you have in deposits with Bank of America and Merrill through the Preferred Rewards program. Points can be redeemed for statement credits, gift cards and purchases through the Bank of America Travel Center or as a deposit to a Bank of America account at a rate of 1 cent apiece. The card waives foreign exchange fees and will reimburse cardholders for a Global Entry or TSA PreCheck application fee once every four years (up to $100).

American Express® Gold Card

(Photo by John Gribben/The Points Guy)

Annual travel credit: Up to $120 in Uber Cash each calendar year — up to $10 monthly delivered in the form of Uber Cash that can be used on U.S. Uber rides and Uber Eats purchases, making them exceptionally versatile.

Current welcome bonus: Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your card within the first six months (though some folks might be eligible for a higher targeted bonus via the CardMatch tool; offers are subject to change at any time).

Annual fee: $250 (see rates and fees).

Other benefits: Amex Gold cardholders earn 4 points per dollar at restaurants and at U.S. supermarkets (on up to $25,000 in purchases each calendar year, then 1x points), 3 points per dollar on flights booked directly with airlines or on Amex Travel, and 1 point per dollar on other eligible purchases. Earn up to a total of $10 in statement credits monthly (up to $120 annual dining credit) when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed and participating Shake Shack locations. Enrollment is required for select benefits.

Bottom line

Whether you prefer a travel rewards card that earns transferable points, a hotel cobranded one or a card that earns fixed-value points, there are some phenomenal options that offer annual travel statement credits. Picking one of them will ensure you continue to get value from your credit card long after you’ve earned its sign-up offer or welcome bonus and paid its annual fee.

This particular perk is one of the most compelling reasons to continue carrying a specific credit card and take advantage of it for free flights, hotel nights and other travel purchases year after year.

Over the past year, some cards either expanded the use of their existing credits or added new ones to help users get the most out of their cards during a time when most people were staying home. As travel has come back in full swing, these underlying benefits will help you get back out there for less.

Official application link: Chase Sapphire Reserve.
Official application link: Capital One Venture X.

Official application link: Marriott Bonvoy Brilliant.
Official application link: Amex Platinum.
Official application link: Amex Business Platinum
Official application link: Bank of America Premium Rewards.
Official application link: Amex Gold.

Additional reporting by Stella Shon, Chris Dong and Madison Blancaflor. 

For rates and fees of the Amex Platinum, please click here.
For rates and fees of the Amex Business Platinum, please click here.
For rates and fees of the Amex Gold, please click here.
For rates and fees of the Marriott Bonvoy Brilliant card, click here.
For rates and fees of the Hilton Aspire card, please click here.

Featured photo by Adventure_Photo/Getty Images. 

Delta SkyMiles® Platinum American Express Card

Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new card in the first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first three months of card membership.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Earn 50,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $2,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.