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TPG readers share credit card perks on their 2022 wish list

Dec. 30, 2021
8 min read
TPG readers share credit card perks on their 2022 wish list
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Every year, credit card benefits and offers change and evolve — that’s the nature of the industry.

However, we saw vast transformations in card perks with the pandemic as travel suddenly came to a halt (or close to it). We saw even more changes in 2021 as issuers reacted to evolving consumer behavior and trends while the pandemic dragged on. Our new normal continues, but with more people getting vaccinated and traveling, card issuers continue to adapt to the new world order.

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(Photo by Ashley Kosciolek/The Points Guy)

We saw significant changes with The Platinum Card® from American Express -- which raised its annual fee to $695 (see rates and fees). But cardholders now receive extra perks, including credits for a Clear membership, digital entertainment, Equinox gyms, Walmart+ and SoulCycle. The Global Dining Access program by Resy gives Platinum cardholders exclusive reservations at some of the world’s top restaurants, along with access to premium events.

Related: High annual fee with big rewards: A full review of the Platinum Card from American Express

(Photo by Wyatt Smith/The Points Guy)

Chase updated the Chase Sapphire Preferred Card and Chase Sapphire Reserve cards. The Sapphire Preferred Card came with new category bonuses: 5 points per dollar on travel booked through the Ultimate Rewards travel portal, 3 points per dollar on dining (up from 2), 3 points per dollar on select streaming services and 3 points per dollar on online groceries (excluding Target, Walmart and wholesale clubs). There's also a new $50 annual credit on hotel stays purchased through Ultimate Rewards and cardmembers receive 10% of their points back each year, based on card spending.

New Sapphire Reserve category bonuses include: 10 points per dollar on Chase Dining booked through Ultimate Rewards, 10 points per dollar on hotel and car rental purchases through the Ultimate Rewards travel portal and 5 points per dollar on airline travel booked through the Ultimate Rewards travel portal.

Related: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

(Photo by Wyatt Smith/The Points Guy)

Not to be outdone, Capital One also made improvements to the Capital One Venture Rewards Credit Card. Six of the issuers travel transfer partners moved from either the 2:1.5 transfer ratio or 2:1 transfer ratio to a much simpler (and more valuable) 1:1 transfer ratio -- Air Canada, Air France-KLM Flying Blue, British Airways Avios, Emirates Skywards, Singapore KrisFlyer and Turkish Airlines Miles&Smiles.

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Related: 7 reasons to get the Capital One Venture Rewards card

TPG readers share their 2022 credit card perks wish list

Although there have already been plenty of changes to credit card perks in the past two years, we wanted to look ahead and think what might be next to make the most of our rewards credit cards so our lives can be, well, more rewarding. As we roar ahead into the new year, here's what TPG readers have on their credit card perks wish list. Comments were lightly edited for context.

Aaron Arnold: I just want my perks to be easier to use. American Express offers a lot, but there are so many hoops to jump through. It's clear they're doing some backdoor deals with retailers to up their bottom line, but it seems like they forget about those of us who actually have to use their products.

At this point, the only reason I have the Platinum is for lounge access, and I've hardly flown enough for that to matter. If they don't step it up in 2022, I may drop it and aim for airline-specific lounge access. I'd also love to see better benefits for car rentals. A branded National Platinum with killer benefits would be interesting, but I'm not sure what those benefits would be.

(Photo by Jane Tyska/MediaNews Group/The Mercury News/Getty Images)

Finally, I would love to find a premium offering for sports lovers. I don't even consider myself a sports lover, but I do enjoy attending the occasional basketball game. Imagine a premium card that gave you automatic seat upgrades, free/discounted food, and drinks, or possibly point redemption for seats.

Related: VIP events access is back: Here’s how to unlock it with your credit cards

Shawn Stingel: I'd like to see more travel-related 5x category perks on cards like the Chase Freedom Flex.

Chris Westfall: I'd love to see gas lumped into the travel category or even just made a more popular bonus category outside of Citi.

Related: Best credit cards for gas purchases

The American Express Centurion Lounge at LaGuardia Airport (LGA). (Photo by Zach Griff/The Points Guy)

Eric Rubio: I'd like to see more one-time passes to things such as United Club passes on the United Explorer Card or the 10 Priority Passes that come with the Hilton Honors American Express Surpass® Card. The sky's the limit on creativity, right? Maybe there could be a one-time Main Cabin Extra upgrade with the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® or a one-time breakfast pass with the Marriott Bonvoy Boundless Credit Card.

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

Bill Sweet: I would like to see a card that gives 10x back on cruising and I would be happy.

Related: These are the credit cards to use to maximize your next cruise vacation

Steven Polinger: I’d like to see Amex offer 10x on hotels via Amex Travel to match what Chase and Capital One are offering. Also, I'd like to see the dreaded airline-fee credit as a general travel credit. Also, I wouldn’t mind a personal version of The Blue Business® Plus Credit Card from American Express or the expansion of additional airline transfer partners.

Josh Christoper: Amex should offer a flat streaming credit and not limit it to a choice of a few that barely holds the most interest.

Related: The best cards for streaming service subscriptions in 2021

A reader wishes there were no monthly limits on Amex Platinum and Amex Gold food credits. (Photo by Jonathan Wiggs/The Boston Globe/Getty Images)

Alison Parker: I would like to see more straightforward redemptions like the Chase Sapphire Reserve's annual $300 travel credit. Also, Amex should eliminate the monthly limits on their credits (like $10/month for Uber Cash) that come with the Platinum and American Express® Gold Card (enrollment required; card must be added in Uber account to receive benefit). Just give a one-time credit we can use as we see fit. They dole out these credits to ensure they don't get used and I don't have the time to start keeping track of all these exhaustive benefits on a spreadsheet.

Dawn L. I. Houghton: I would like to receive frequent-flyer credit for the money I spend on other people's flights like my husband or kids or parents (especially when we are flying together). They are only flying United because of my status, but they will never earn anything since they fly infrequently.

Kelly Perekovich Zeitler: What about waiving the annual credit card fee on a sliding scale up to the full amount, depending on how much you spend during your card year?

Sunanda Patel: I'd like to see the Chase Sapphire Reserve include status perks like Amex Platinum does by offering gold Marriott and Hilton statuses--or even compete by giving it to us at Hyatt. Also, let's have more stay-at-home perks for 2022 since it looks like we will be doing more work from home.

Also, I wish Chase would have more of a partnership with Delta, including access to their lounges. It would be nice to have a WeWork membership with the Ink Business Preferred Credit Card. Aside from the earned points, I don't get too many business perks from this card.

For rates and fees of the Amex Platinum card, click here.

Featured image by Getty Images/iStockphoto
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.

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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.
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TPG featured card

TPG Exclusive Offer
TPG Exclusive Offer
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 - 5X points
5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.

Intro offer

Earn 150,000 points120,000 points
The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

Annual Fee

$695

Recommended Credit

670-850
Good, 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

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.
Apply for The Business Platinum Card® from American Express
at American Express's secure site
Terms & restrictions apply. See rates & fees
TPG Exclusive Offer
TPG Exclusive Offer
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

5XGet 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5XEarn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X1X points for each dollar you spend on eligible purchases.
  • Intro Offer
    The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.

    Earn 150,000 points
    120,000 points
  • Annual Fee

    $695
  • 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.

    670-850
    Good, Excellent

Why We Chose It

It's hard to find a card that competes with the mile-long list of benefits that come with the Amex Business Platinum. While it's certainly not the card for the average consumer, a business owner with tons of expenses -- especially related to travel -- will find this card incredibly valuable. This card is similar to the consumer version that Amex offers, but with more business-oriented perks around statement credits and earning rates that are a better fit for business owners.

Pros

  • An up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years
  • Up to $400 annual credit for eligible U.S. Dell purchases (enrollment required)
  • Gold status at Marriott and Hilton hotels (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection
  • Extended warranty protection
  • International Airline Program and Cruise Privileges Program

Cons

  • Steep annual fee
  • Difficulty meeting $15,000 welcome offer for smaller businesses
  • Limited high-bonus categories outside of travel
  • The Points Guy Exclusive Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card® within the first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
  • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership. CLEAR® is available at more than 50 U.S. airports and stadiums.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
  • $695 Annual Fee.
  • Terms Apply.