If you have more than one credit card, you’ve probably felt it, that moment of confusion at checkout when you wonder which card earns the most for this purchase. Or maybe you’ve realized too late that your $200 travel credit expired last week.
It’s not that you don’t know your benefits. It’s that there’s too much to keep track of, rotating categories, new bonuses, annual credits, bank rules, and limited-time offers. That’s where CardRight comes in.
Built for Real Credit Card Users
CardRight was founded by credit experts who saw how overwhelming it can be to manage multiple cards. The app was designed to help everyday users stay on top of their rewards, maximize bonuses, and avoid missing out on perks they’ve already earned.
Unlike spreadsheets or manual tracking, CardRight pulls everything into one clear, organized dashboard, making it simple to see what’s active, what’s expiring soon, and where you’re missing value.
Turn Confusion into Clarity
Once you add your cards, CardRight starts working automatically. It gives you a 360° view of your entire credit card setup, including:
Bonuses and expiration dates: See live countdowns for every bonus or benefit before it expires.
Best card recommendations: See which of your cards earns the most points or cashback in each category.
Credits and perks: Track your travel credits, dining offers, and other recurring benefits so you never forget to use them.
Eligibility tracking: Check your eligibility against common bank rules before applying for a new card.
Notifications and alerts: Receive reminders for upcoming renewals, category changes, and expiring bonuses.
Think of it as your digital assistant for managing rewards, smart enough to remember every perk and deadline, so you don’t have to.
Simple Setup, Smarter Management
CardRight’s onboarding is fast. You simply add your cards, and the app does the rest. Within minutes, you’ll have a full overview of your cards, current bonuses, and credits in one place.
It works seamlessly across iOS, Android, and desktop, so you can check your progress from anywhere, at home, at checkout, or even mid-flight.
Security You Can Count On
CardRight takes privacy seriously, using secure encryption and multiple safeguards to keep your information protected. Your card information stays private, CardRight only tracks the details you choose to manage.
Why It Matters
Managing rewards efficiently isn’t just about convenience. Every missed credit or unused bonus means leaving real value on the table. CardRight helps you:
Redeem rewards before they expire
Avoid losing statement credits or perks
Use the right card for every purchase
Save time and frustration from manual tracking
For anyone who wants to actually use their rewards instead of worrying about them, this app is a game-changer.
Travelers who want to keep track of travel credits, lounge passes, and insurance benefits
Points enthusiasts managing multiple cards and bonus categories
Cashback optimizers who want to earn the highest return on every purchase
Everyday users who just want peace of mind knowing nothing’s slipping through the cracks
Win a Rimowa Carry-On
We’ve partnered with CardRight to give one traveler a Rimowa Essential Lite+ Carry-On, worth close to $1,000 — built for travel and ready for wherever your points take you. Upgrade how you travel and manage your cards.
To enter, make sure you have a CardRight account. If you’re new, sign up first, then register for the giveaway with the same email before November 18, 2025, at 11:58 PM ET.
⚠️ Always pay your balances in full. ⚠️ Only apply for cards you can manage responsibly. ⚠️ Review terms and offers before applying.
Final Thoughts
CardRight isn’t just another credit card tracker, it’s a smarter way to manage your rewards and make sure you’re always earning, never wasting.
If you’ve ever forgotten about a bonus, missed a benefit, or felt like your cards were running you instead of the other way around, CardRight is the fix.
It’s simple, secure, and designed for people who actually want to make the most of their rewards.
I’ve been obsessed with miles and points for the past 25 years. At one point, I was an active member of more than 30 frequent flyer programs (now down to about 10) and even held top elite status in nine programs in a single year. Surprisingly, I was never a JetBlue member and had never even flown them.
The goal of this trip was not to maximize earnings or redemptions, nor to hope that JetBlue Mosaic status might someday convert to United Silver if they ever merge within the next 25 years. It was simply to visit some fun places, earn guaranteed miles, and have a good time.
Here are five things I did during the planning and preparation:
I grabbed the JetBlue Business Card with an 80,000-point bonus, enough to cover the second half of my trip. The bonus posts within 30 days after meeting the spending requirement and paying the annual fee, not based on the statement cycle.
Perks included:
10% miles back on redemptions
Group A boarding
Free checked bag
With those benefits, 5,000 anniversary miles, and an amazing airline (more on that later), I plan to keep the card long-term.
JetBlue’s route map is not always up to date with seasonal flights, so using PointsYeah Daydream Explorer saved me a lot of guesswork on where they actually fly.
I matched my Platinum Pro status to Mosaic 2 for the run, but the co-branded card is enough for me. The perks are generous enough to make the flight comfortable.
Flights
Part I
I split the trip into three parts so I could rest in between and wait for both the credit card bonus and the first 15-destination bonus to kick in.
DCA-BOS-PHL
9800
PHL-BOS-MVY
9,600
ACK-LGA
4,900
JFK-ROC
5,700
ROC-JFK-RDU
7,100
RDU-JFK-PWM
0(Flight delayed, used AS miles for AA last minutes instead)
PWM-JFK-DCA
10,100
Total
47,200 miles before 10% rebate
Total Airports
8
I had never flown JetBlue before, so I didn’t know what to expect. After my Part I run, I have to say this is one of the best airlines I have ever flown
Seat pitch is wider than most airlines, 32–34 inches in standard economy. I didn’t even need an Even More Space seat to feel comfortable.
All seats have AC power, USB, and Type-C ports.
Free high-speed Wi-Fi with one-click access. I even had a video call with my team without any issues.
Four types of complimentary snacks.
I don’t usually get excited about airline cabins anymore, but JetBlue is an exception. Maybe it’s because the aircraft made it easy to work onboard and stay connected with my team, making weekday flights guilt-free. lol.
I’m really looking forward to Part II and Part III of the run.
One-Bedroom Suite – 17,500 Points Many Sonesta properties offer higher room categories at the same price. Sonesta and Bank of America have a co-branded credit card, though new applications are not being accepted right now.
1 King Bed – 45,000 Choice Points It was peak October weekend, with most rooms on the island costing $400 or more per night. I’ve had the Choice co-branded card for years, but you can also transfer from Citi at a 1:2 ratio, which is great value.
Nantucket
Faraway Hotel Nantucket
Not many point options here, so I used Airbnb instead with a 25% gift card I bought at Lowe’s. I also earned some Delta miles by booking through Airbnb. You can earn Avios too, but I prefer programs with flexible cancellation. It was pouring rain when I visited, so I’ll probably go back another time.
Standard Room – Category 4 Certificate This hotel moved to a higher category this year, but it’s still bookable with a Category 1–4 certificate, especially on weekends when rates are 18,000 points per night.
Standard Room – 15,000 Points (upgraded to a suite) This newly opened property is very close to JFK, but unfortunately, there’s no shuttle. It’s a great hotel, though I didn’t get to experience much of it since I arrived late and left early.
Two promotions triggered while staying there: 1. Casino: Earn 777 Hyatt points at casino hotels. 2. Hyatt Regency: Earn up to 20,000 Hyatt bonus points when booking through the app.
Standard Room – 5,000 Points The hotel was full, so I felt lucky to get a room. Haha! Part of the Hyatt Regency promotion and one of the few Category 1 Hyatts in the United States.
Junior Suite – 100,000 Hilton Points per night This was the best hotel of the first leg of the trip, and I think it’s one of the best boutique hotels in the country. Complimentary breakfast included lobster benedict and mimosas.
Deluxe Tent – 40,000 Hyatt Points, with 15% rebate promotion It was cold at night, and honestly, I preferred my $50 per night luxury tent in Senegal better, you can even walk with Lion there lol
Standard Room – 20,000 Points I still have some Best Western points and like them, but it would be better if they joined a transferable program someday.
Fun times on the road
I still had to work, so not much happened at PHL, ROC, or RDU, other than working from the hotels.
New York
Still working, but with a twist. It was the weekend Amex refreshed it’s new benefits on personal Platinum cards, so I stayed busy visiting several Resy restaurants, Lululemon, and Saks.
Most premium travel credit cards are designed for people who live in the United States and take the occasional trip abroad. They reward vacations or business trips, but they do not reward the reality of living abroad. Digital nomads pay rent in pesos, coffee in euros, Grab rides in baht, and coworking spaces billed in rupiah. For nomads, those everyday purchases are almost always foreign transactions. Nearly every premium card on the market lumps them into the dreaded “other” category that earns a flat 1X.
The Atmos™ Rewards Summit Visa Infinite® flips that on its head. Instead of treating foreign spend as filler, it makes it the centerpiece. With 3X on all foreign purchases, a built-in path to oneworld status, and award redemptions that remain some of the best in the game, the Summit feels like the first premium card actually designed for life lived outside the U.S.
The card carries a $395 annual fee, which is in line with other premium cards, but delivers a very different kind of value for nomads. It is available to U.S. residents, but unlike Amex or Chase products, it was built specifically with global spending in mind.
Why 3X on Foreign Purchases Matters for Digital Nomads
The Summit Visa Infinite® changes the game. Every single non-USD transaction earns 3X Atmos points. Whether it is your rent in Lisbon, your morning latte in Paris, or your Grab ride in Bangkok, it all counts and it all earns like a premium category. Dining worldwide and Alaska or Hawaiian purchases also earn 3X, while everything else earns 1X.
The difference this makes is massive:
Spend $2,500 per month abroad = $30,000 per year
Earn 90,000 Atmos points
Add a 10% Bank of America bonus and the total is nearly 100,000 points
The same spend on Sapphire Reserve or Amex Platinum = 30,000 points
That is the gap between economy and business class award flights.
For nomads, this is not just a perk. It is a redefinition of what everyday spend means.
A Launch Boost With the Welcome Offer
What makes the Summit even more powerful is how quickly you can build a balance. The card is currently offering a 100,000-point welcome bonus after spending $6,000 in the first three months. For a nomad, that threshold could be met with a few months of rent and daily expenses abroad.
Layer that bonus on top of what the card earns naturally, and the numbers get impressive fast. A year of living abroad with $30,000 in foreign purchases would generate about 90,000 points from spend alone. Add the welcome offer, and you finish year one with close to 200,000 points. If you’re wondering what else is out there right now, our PointsYeah September Picks list highlights today’s most compelling travel card offers.
That total is enough for two round-trip business class tickets to Asia, or four round-trip tickets to Europe, with points still left over. For a nomad, it means your lifestyle abroad funds almost all of your long-haul premium travel in the same year you pick up the card.
Status Without Mileage Runs
Elite status has always been elusive for nomads. You are traveling constantly, but not in the ways U.S. airlines want you to. Too many one-way tickets, too many discount carriers, too many routes outside the system. The Summit fixes that by giving cardholders a direct path to elite recognition through everyday spend.
Each year you automatically receive 10,000 status points just for holding the card. On top of that, the card earns 1 status point for every $2 spent, which means your groceries, your rent, and even your late-night cab rides are moving you closer to status.
Here’s how that looks over a year:
Annual Spend
Status Points Earned
+10K Bonus
Total
Atmos Tier
oneworld
$24,000
12,000
10,000
22,000
Silver
Ruby
$40,000
20,000
10,000
30,000
Just shy of Gold
$60,000
30,000
10,000
40,000
Gold
Sapphire
$100,000
50,000
10,000
60,000
Near Platinum
Emerald with some flying
Gold is the sweet spot: oneworld Sapphire means alliance-wide lounge access, priority check-in, and priority boarding. For a nomad, that’s achievable entirely on spend. Other cards also offer valuable ways to earn perks through spend, see our PointsYeah September Picks for this month’s top options.
Starting in 2026, Atmos will let members choose how they qualify for elite status: by miles flown, by qualifying spend, or by flight segments. With the Summit card feeding status points from everyday purchases, that flexibility becomes especially powerful for nomads.
Redemption Sweet Spots That Still Deliver
Points are only as good as what you can redeem them for, and Atmos still offers some of the richest fixed-value awards in the industry.
U.S. → Europe in Business Class: From 45,000 points
U.S. → Asia in Business Class: From 60,000 points
U.S. → South America in Business Class: From 35,000 points
Compare that to competitors charging 70K, 80K, even 100K for the same routes, and Atmos looks like a throwback to the golden age of award travel.
For nomads, this matters. The 90,000 points you earn from a year of foreign spend can already get you up to 2 business class seats to Europe or fly you all the way to Asia in lie flat comfort. And because Atmos partners with carriers like Qatar, Japan Airlines, Cathay Pacific, Iberia, and LATAM, you’re not just redeeming for flights, you’re redeeming for premium experiences that would otherwise cost thousands.
How Atmos Companion Awards Benefit Traveling Couples and Nomads
The Summit card sweetens the pot with companion awards that go far beyond typical airline certificates. Each year, you receive a Global 25K Companion Award, which discounts a companion’s award ticket by up to 25,000 points. Spend $60,000 in a card year and you unlock the Global 100K Companion Award, which can shave an incredible 100,000 points off a companion ticket.
Unlike many airline companion passes, these certificates apply even to premium cabins. That means you could book yourself into a 45,000-point business class seat to Europe, then use the 25K certificate to slash your partner’s redemption nearly in half. At the 100K level, you are looking at savings that make aspirational business-class travel genuinely realistic for two people.
Travel Day Perks That Make Life Easier for Digital Nomads
For digital nomads, travel days are rarely glamorous. They mean early mornings, crowded terminals, and the occasional delay that can derail your plans. The Summit doesn’t pretend to fix all of that, but it does give you a set of tools that make those days far less punishing.
Start with the lounges. Every year you get eight Alaska Lounge passes, issued two per quarter, and through 2026 each visit comes with a complimentary cocktail or upgraded bar item. For a nomad hopping between cities, that can mean the difference between hours in a crowded gate area and a quiet place to work, recharge, or simply decompress.
When you do fly Alaska, the card makes the experience smoother with a handful of practical perks:
Eight inflight Wi-Fi passes per year (issued quarterly) to stay connected midair.
Your first checked bag free for you and up to six companions.
Preferred boarding whenever you book with the card.
$50 credit automatically if your Alaska-marketed flight is delayed more than two hours.
Same-day confirmed changes waived, saving you the usual fifty-dollar fee.
Beyond Alaska, the Summit still travels with you. Every four years, you receive up to $120 in credits for Global Entry or TSA PreCheck, which helps you move through airports more efficiently. And because it’s a Visa Infinite product, the card carries a suite of protections you can count on anywhere in the world, including:
Trip cancellation and interruption insurance
Trip delay reimbursement
Baggage delay coverage and lost luggage protection
Auto rental collision coverage
Purchase protection and extended warranty
Emergency evacuation assistance
Individually, none of these benefits are headline-worthy. But together, they create something far more valuable for nomads: peace of mind on the days when everything feels out of your control. And if you’re curious about other cards that also deliver strong perks for travel days, check our PointsYeah September Picks roundup.
The Perfect Pair: Summit + Venture X
On its own, the Atmos Summit is one of the most compelling premium cards available. But pair it with the Capital One Venture X, and you’ve built the strongest two-card strategy a nomad can carry.
Venture X effectively cancels out its $395 annual fee with a $300 Capital One Travel credit plus a 10,000-mile anniversary bonus. It also provides Priority Pass membership and Capital One Lounge access, filling the lounge gap where Alaska doesn’t reach. Earning is simple: 2X everywhere, 5X on flights, and 10X on hotels and cars booked through Capital One Travel.
The play is straightforward: put all foreign purchases and dining on the Summit to maximize 3X earning and elite status progress. Use Venture X when booking flights or hotels through Capital One Travel, which triggers the $300 credit and earns 5X or 10X. Rely on Venture X for global lounge access, as well as for everyday purchases back in the States, where Summit would only earn 1X but Venture X gives you 2X. Together, the two cards cover every angle of nomad life: daily spend, aspirational redemptions, status progress, lounge access, and fee offsets.
A Year in the Life
Consider a freelance designer splitting her year between Medellín, bali, and Lisbon. She spends about $2,500 per month on living expenses abroad, including rent, groceries, and daily purchases, which adds up to $30,000 annually. On Atmos, that everyday spend alone earns 90,000 points. Add in another $10,000 across dining, nights out, and travel experiences, and her total annual spend climbs to $40,000, which translates into 120,000 Atmos points in a single year.
On the status side, $40,000 in card spend generates 20,000 status points. With the 10,000 anniversary boost, she finishes the year with 30,000, just shy of Gold. A few flights on Alaska or partners would push her into oneworld Sapphire, unlocking global lounge access and priority treatment.
On the redemption side, 120,000 points is enough for round-trip business class tickets to Europe, or for a one-way in business to Asia with a healthy remainder for a South America hop. All of it is earned not from chasing bonus categories, but from groceries, rent, and coffee shops abroad. That’s the Atmos difference.
Final Verdict: The Best Travel Card for Digital Nomads in 2025?
The Atmos Summit Visa Infinite® isn’t just another premium travel card. It’s the first card that actually feels designed for digital nomads.
Three points on all foreign purchases turns daily life abroad into outsized earning. Status by spend means you can finally reach oneworld elite perks without chasing mileage runs. Redemption sweet spots such as 45K to Europe, 60K to Asia, and 35K to South America stretch your balances further than almost any U.S. competitor. Companion awards, lounge passes, and Visa Infinite protections add practical value you will feel on the road.
And because it runs on the Visa network, the most widely accepted worldwide, you can rely on it whether you’re in a café in Paris, a market in Mexico City, or a coworking space in Bali. For nomads, that universal acceptance is more than convenience; it’s peace of mind.
Pair it with Venture X, and you’ve got a wallet that covers every angle of nomad life: a daily driver that makes groceries and rent as rewarding as business flights, and a global generalist that guarantees lounge access and fee offsets.
Verdict: Yes. If you live abroad and want a card that rewards your lifestyle instead of penalizing it, the Atmos Summit is the best travel credit card you can carry in 2025.
Want to Explore More Travel Card Options?
This review focused on one standout card, but it is not the only way to earn big rewards. Each month, we publish a roundup of the strongest travel card offers currently available, from beginner-friendly earners to premium cards with lounge access and luxury perks.
👉 Take a look at our September Card Picks to see what else is on the radar this month.
Every month the lineup of travel credit cards shifts. Intro bonuses change, perks refresh, and some offers quietly become far more valuable than they look at first glance. September 2025 happens to be one of those months where the choices are unusually strong.
This month, four cards stand out. Each one is built for a slightly different type of traveler, the starter who wants a simple way to earn points, the international spender who racks up charges outside the U.S., the frequent flyer who values lounges and credits, and the luxury seeker who wants premium everything.
Here’s a closer look at what deserves attention right now:
The Everyday Travel Card: Simple Earning That Adds Up
For anyone new to travel rewards, this card sets the stage. It comes with a 75,000-point welcome bonus after $5,000 in spend within the first 3 months. That’s enough for a domestic trip or even a transatlantic flight in economy through partners.
On top of the bonus, the earn rates are practical: 3X on dining and groceries, 5X on travel booked through select channels, and 2X on other travel purchases. With a low annual fee and perks like an annual hotel credit, it’s one of the strongest “starter” travel cards available.
The Global Everyday Card: Rewards Designed for Spending Abroad
Most cards assume your biggest purchases happen in the U.S. This one flips that idea by offering elevated rewards on every non-USD purchase, whether that’s rent, groceries, or daily transport abroad.
The intro bonus is big too: 100,000 points after $6,000 in spend in the first 3 months. Add in companion certificates that can shave points off when traveling with a partner and annual perks that help unlock elite-style travel benefits faster, and you have one of the few cards built for those who spend significant time overseas.
The Frequent Traveler Card: Credits, Lounges, and Reliability
For anyone who flies often, consistency matters. This card comes with a 75,000-mile bonus after $4,000 spend in the first 3 months, plus 2X on all everyday purchases. Book through the portal, and rewards accelerate: 10X on hotels and boosted multipliers on flights.
It also comes with a large annual travel credit that offsets the fee each year. Combined with unlimited 2X earn rates and elevated travel multipliers, it’s a reliable, mid-tier option that works especially well for frequent flyers.
This is the card for those who want premium perks from day one. The intro bonus can reach as high as 175,000 points after $8,000 spend in the first 6 months, enough for multiple luxury redemptions, whether that’s lie-flat seats to Asia or five-star hotel stays.
Beyond the bonus, it earns 5X on flights and hotels booked through the issuer’s portal and comes with a wide slate of annual credits across travel and lifestyle categories. Add in lounge access to 1,000+ locations worldwide, and the value more than justifies the higher annual fee for those who prioritize comfort and access.
75,000 points can take you on a beach escape to Hawaii or slide you into a lie-flat seat to Europe with points left over.
100,000 points unlocks long-haul comfort, whether that’s a trip to Asia or multiple shorter journeys across regions.
175,000 points puts luxury firmly on the table. Premium cabins halfway across the world or a week of five-star hotels that would otherwise cost thousands.
September’s lineup makes these possibilities more attainable than ever. Whether your goal is to travel more often or to travel better, these offers can get you there.
We’ve been waiting for this, and it’s finally here. With the launch of Citi’s newest travel card, ThankYou Points are now transferable to American Airlines AAdvantage at a 1:1 ratio.
Until now, AAdvantage was the only one of the big four U.S. airlines without a major points transfer partner. Delta? Transfer from Amex. United and Southwest? Chase. But American had no option, until now. This opens the door to far more flexibility in finding high-value award seats.
AAdvantage has many low cost redemptions starting at 5k miles as of the time of this search. A quick browse through daydream explorer found over 100 nonstop flights priced at that 5k mile mark.
Looking to stretch out?
We’re currently seeing First Class seats to Tokyo for around 80,000 AAdvantage miles, on top-tier carriers like Japan Airlines.
Most recent news regarding transfer partners has been negative. This however is great news for users of PointsYeah who now have even more flexibility to book their next trip. Be sure to update your filters, adjust your strategy, and explore the latest tools (and cards) that can help you take advantage of this change.. Learn more about the featured cards this month.
Chase Sapphire Reserve for Business, Chase’s first premium travel-focused credit card for businesses, brings the best Sapphire Reserve benefits to business owners who expect hard-working rewards. The card unlocks over $2,500 in annual value, more business and travel value than any other premium business card, including high-value partner services and merchant credits that help owners streamline operations.
• 8x points on Chase Travel purchases as well as 4x points on flights and hotels booked direct
• $300 annual travel credit – the most flexible travel credit available
• $120 Global Entry, TSA Precheck or Nexus credit every four years
• $500 annual The Edit credit – Chase Travel’s collection of over 1,100 hand-picked hotels and resorts
• Points Boost, the new points redemption accelerator
With Points Boost offers, cardmembers’ points will be worth up to 2x on thousands of both top booked hotels and flights with select airlines and hotels through Chase Travel
• Complimentary IHG One Rewards Platinum Elite Status
• Access to the Chase Sapphire Lounge by The Club network of airport lounges and entry to over 1,300 lounges with Priority Pass Select. The primary Chase Sapphire Reserve for Business cardmember can also bring two guests per visit.
• The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card including primary car insurance and trip cancellation
Credits to Keep Businesses Running
The card features additional rewards earned on advertising expenses and annual partner credits on business services, selected to meet the needs of businesses at scale:
• 3x points on advertising purchases made with social media sites and search engines
• $400 ZipRecruiter credit to discover new talent
• $200 Google Workspace credit toward AI tools for business
• $100 Giftcards.com credit for flexible employee appreciation
• $300 annually in monthly DoorDash promos and complimentary DashPass membership worth $120 annually
• $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides
Premium Benefits Unlocked
Cardmembers can earn loyalty program status and additional credits with leading travel and shopping brands after spending $120,000 each calendar year:
• IHG One Rewards Diamond Elite Status
• Southwest Airlines A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $500 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers allowing them to shop for brands including Dyson, Sony, Therabody and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay
Sapphire Reserve for Business cardmembers have access to a high spending pay-in-full limit and Flex for Business, a credit line which allows payments over time with interest. There is a $795 annual fee with employee cards at $0, and no foreign transaction fees.
Chase unveiled the all-new Chase Sapphire Reserve and introduces Chase Sapphire Reserve for Business, the most rewarding credit cards on the market, available starting June 23,2025. These developments from Sapphire Reserve again set a new standard in premium credit cards, featuring a valuable suite of lifestyle, travel and business benefits and credits, high points earn rates in several categories including travel and dining, new ways to maximize rewards, access to the Chase Sapphire Lounge by The Club network of airport lounges and more. Chase Sapphire Reserve for Business is designed to meet the needs of business owners at scale by elevating their travel experience and offering premium benefits and value toward business services that will help fuel their growth.
Both cards are on the Visa Infinite network, one of the most widely accepted global networks, and feature an industry-leading, comprehensive suite of travel protections that cover a wider range of travel setbacks than any other cards on the market. Cardmembers also have exclusive access to a dedicated Sapphire Reserve customer service team available 24/7 and who are specially trained to provide exceptional support tailored to cardmember needs.
Points Boost: A New Way to Make the Most of Rewards
Chase is also introducing Points Boost, an unmatched points redemption program with exclusive value for Sapphire Reserve and Sapphire Reserve for Business. Points Boost allows Sapphire Reserve cardmembers to redeem Ultimate Rewards points at a rate of up to 2x on rotating offers through Chase Travel. Cardmembers can use Points Boost to maximize the value of their points on premium air cabin tickets and select hotels, including The Edit by Chase Travel – an exclusive collection of over 1,100 hand-picked hotels and resorts around the world where Sapphire Reserve cardmembers get complimentary benefits like free breakfast and a $100 property credit.
Access to Chase Sapphire’s Growing Lounge Network
Chase Sapphire Lounge by The Club’s network is strategically located in major airports across the U.S. including award-winning lounges at Boston Logan International Airport, LaGuardia Airport and Philadelphia International Airport, with additional locations at John F. Kennedy International Airport, San Diego International Airport and Phoenix Sky Harbor International Airport.
Cardmembers also have access to over 1,300 lounges with Priority Pass Select. Chase also announces Dallas Fort-Worth International Airport as a future Chase Sapphire Lounge by The Club location, in addition to previously announced Harry Reid International Airport in Las Vegas and Los Angeles International Airport.
The New Chase Sapphire Reserve – More Value Than Ever
Cardmembers receive a variety of high-value travel benefits and credits, including:
• 8x points on all Chase Travel purchases, replacing 5x points on flights and 10x points on hotels and car rentals booked through Chase Travel
• 4x points on flights and hotels booked direct, replacing 3x points on all travel
• $500 annual The Edit credit – Chase Travel’s collection of over 1,100 hand-picked hotels and resorts
• Points Boost, the new points redemption accelerator program
With Points Boost offers, all cardmembers’ points will be worth up to 2x on thousands of both top booked hotels and flights with select airlines and hotels through Chase Travel.
For Chase Travel purchases not eligible for Points Boost Offers, points can be redeemed at a 1:1 rate on Chase Travel, replacing 1.5x on all Chase Travel purchases.
Points earned prior to October 26, 2025 by Sapphire Reserve cardmembers who applied prior to June 23, 2025 can be redeemed at 1.5x on Chase Travel until October 26, 2027. For points earned prior to October 26, 2025, cardmembers will automatically receive the best offer available, whether it’s Points Boost or 1.5x on Chase Travel, maximizing rewards value for two years.
• Complimentary IHG One Rewards Platinum Elite Status
• Cardmembers continue to receive:
$300 annual travel credit – still the most flexible travel credit available
$120 Global Entry, TSA Precheck or Nexus credit every four years
Access to the Chase Sapphire Lounge by The Club network of airport lounges and entry to over 1,300 lounges with Priority Pass Select and more than 20 select Air Canada Maple Leaf Lounges and Air Canada Cafés when traveling on a Star Alliance airline
Complimentary access to Reserve Travel Designers with end-to-end travel planning from custom itinerary to trip support
The most comprehensive suite of travel protections available through built-in benefits that cover a wider range of travel setbacks than any other card including primary car insurance and trip cancellation
Elevated Dining Benefits
Exclusive dining benefits include:
• A new $300 annual dining credit and primetime reservations at Sapphire Reserve ExclusiveTables, available for booking on OpenTable
Sapphire Reserve Exclusive Tables is a growing list of hundreds of restaurants across the country curated by The Infatuation and OpenTable in collaboration with The Visa Dining Collection
• 3x points on all dining purchases worldwide
Curated Lifestyle Rewards
Cardmembers receive new annual credits in areas they value including entertainment and everyday spending categories:
• $250 annual value through complimentary subscriptions to Apple TV+ and Apple Music
• $300 annual StubHub credit on concert and event tickets
• $120 in annual Lyft in-app credits, up to $10 monthly, plus 5x total points on eligible Lyft rides
• $300 annually in monthly DoorDash promos and complimentary DashPass membership worth $120 annually
• 10x points on eligible Peloton equipment and accessory purchases and up to $120 in annual statement credits toward Peloton memberships
Premium Benefits Unlocked with $75,000 Spend
Cardmembers can earn additional status and credits after spending $75,000 each calendar year:
• IHG One Rewards Diamond Elite Status
• Southwest Airlines® A-List Status and a $500 Southwest Airlines credit when booked through Chase Travel
• $250 credit to The Shops at Chase, a new online shopping experience designed exclusively for cardmembers allowing them to shop for brands including Dyson, Sony, Therabody and Tumi, with rotating promotions, using their ultimate rewards points or their card to pay
The annual fee is now $795 with a $195 annual fee for authorized user cards, and no foreign transaction fees. Cardmembers who applied prior to June 23, 2025, will experience these new benefits and features starting October 26, 2025. Their annual fee will be adjusted to $795 on their next anniversary date following October 26, 2025.
The card is stuffed with benefits which can easily be worth well over $1,500in value each year. And its current welcome bonus is one of the highest we’ve ever seen.
Here’s everything you need to know about the Amex Business Platinum Card — and a quick look at how powerful its rewards can be.
How do American Express Membership Rewards points work?
How to earn American Express Membership Rewards points
The Amex Business Platinum Card offers a strong bonus offer, 200,000 American Express Membership Rewards® points after spending $20,000 on purchases within the first three months from account opening.
You’ll also earn points for your everyday spending at the following rates:
5 points per dollar on flights and prepaid hotels booked on AmexTravel.com
2 points per dollaron purchases at U.S. construction material & hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers
2 points per dollar on each eligible purchase of $5,000 or more, up to $2 million per year (only the highest bonus applies if multiple would qualify)
1 point per dollar on all other eligible purchases
How to use American Express Membership Rewards points
There are plenty of fun ways to use Amex Membership Rewards points when you’ve got the Amex Business Platinum Card — but the best options involve travel. For example, you can redeem your points for:
Airfare through Amex Travel at a rate of 1 cent each. And when booking business- or first-class seats, you’ll get a 35% rebate on your points (a feature exclusive to the Amex Business Platinum) — effectively making your points worth ~1.5 cents each
Hotel stays through Amex Travel at a rate between 0.7 and 1 cent each
But to unlock the most potential from your Amex points, convert them to into airline miles and hotel points.
It’s possible to get exponentially more value from your points by transferring to the below travel partners (transfers are 1:1 unless otherwise specified).
Aer Lingus
Choice Hotels
Iberia
Aeromexico (1:1.6)
Delta
JetBlue (5:4)
Air Canada
Emirates
Marriott Bonvoy
ANA
Etihad
Qantas
Avianca
Flying Blue (Air France and KLM)
Qatar Airways
British Airways
Hawaiian Airlines
Singapore Airlines
Cathay Pacific
Hilton Honors (1:2)
Virgin Atlantic
You can use PointsYeah to find flights between your home airport (or anywhere else) to all over the world with Amex points. Just filter your search to display only flights that can be booked with Amex Membership Rewards.
With this card’s 200,000-point bonus, there’s virtually nowhere you can’t go. Here’s a quick snapshot of award prices for flights you can book from the U.S. with Amex points.
You can even use the PointsYeah Hotels tool to find and book fancy hotels with your rewards. When I first opened the Amex Business Platinum Card, I transferred part of its bonus to Hilton for a stay at the Waldorf Astoria Maldives — a resort where villas routinely cost over $2,000 per night!
Is the Amex Business Platinum Card worth a $895 annual fee?
As long as you can organically squeeze more value from a credit card’s benefits than you spend on the annual fee, it’s a great deal! Examine the Amex Business Platinum Card’s benefits and then do some simple math.
Statement credits galore
The Amex Business Platinum Card offers over $1,000 in annual statement credits alone. If you can use even a fraction of them, the card could be a fair deal.
First are the travel-focused credits, such as:
Up to $600 in annual credits on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through Amex Travel. You get up to $300 twice per year. The Hotel Collection requires a minimum two-night stay.
Up to $200 in annual Hilton For Business credits. Eligible purchases made directly with Hilton properties qualify.
Up to $200 in annual airline fee credits. Choose a participating airline and use this to offset charges like checked bags, pet fees, seat upgrades, and more.
Up to $209 CLEAR Plus credit per year. CLEAR helps you speed through select airport security checkpoints.
Terms apply.
Then there’s the business-focused credits:
Up to $120 in annual wireless credits. Get up to $10 per month for wireless telephone service purchases made directly with a U.S. provider.
Up to $360 in annual Indeed credits. Receive up to $90 back per quarter for Indeed expenses.
Dell Technologies credits. Enroll to get up to $150 in statement credits on U.S. purchases directly with Dell each year, plus an additional $1,000 statement credit after you spend $5,000 or more on that same card per calendar year.
Adobe credit. Enroll to get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year.
Enrollment required for some benefits.
Perks to enhance your travel experience
Up to $120 in TSA PreCheck/ Global Entry credit. These “trusted traveler” programs get you through airport security in a hurry. You get to keep your shoes and belt on (instead of throwing them in a grungy gray bin) — and you can even keep your laptop and TSA-approved toiletries in your bag. Global Entry also expedites your entry back into the U.S. when returning from abroad.
Airport lounge access. No travel card on the market gives you access to more airport lounges than the Amex Business Platinum Card — Over 1,550 airport lounges across 140 countries worldwide. You can visit super fancy Amex Centurion Lounges, Delta Sky Clubs (eligible same-day Delta ticket required), Plaza Premium lounges, Priority Pass lounges*, and more. Airport lounges are a travel game-changer.
Access to American Express Fine Hotels & Resorts. You can book over 2,600 top-tier luxury hotels through an exclusive platform to get special benefits like free breakfast for two, room upgrades when available, late checkout, and a property credit (typically worth $100+).
Hotel elite status. You’ll get complimentary Gold elite status with both Marriott and Hilton. This comes with perks like bonus rewards on paid stays, welcome amenities, free upgrades when available, and more.*
Rental car elite status. Receive Hertz President’s Circle status, National Executive status, and Avis Preferred Plus status.* These come with perks like free upgrades, bonus points on paid reservations, etc.
* Enrollment required for some benefits.
High-quality insurance
The Amex Business Platinum Card delivers some of the best travel insurance around. As long as you pay with your card, you’ll be covered. Here are some highlights:
Trip delay insurance. When your flight is delayed by at least six hours (or requires an overnight stay), Amex will give you up to $500 for “reasonable expenses” — meals, a night at a hotel, that type of stuff.
Trip cancellation/interruption insurance. When you book round-trip travel with your card, you’ll get up to $10,000 in coverage per trip (max $20,000 per 12-month period) to reimburse you for prepaid nonrefundable travel that causes you to cancel or shorten your trip for a covered reason.
Rental car insurance. The Amex Business Platinum Card only confers secondary rental car insurance (meaning it’ll cover you for whatever your personal insurance doesn’t). HOWEVER, you can opt into Amex’s Premium Car Rental Protection for a small fee per rental. This gives you primary insurance and more comprehensive coverage than virtually any other card on the market.
Cell phone protection. Get up to $800 in cell phone insurance (max two claims per 12-month period) against damage or theft. You’ll just have to pay a $50 deductible. This protection is automatic as long as you pay your monthly phone bill with the Amex Business Platinum Card.
Is the Amex Business Platinum Card right for you?
The Amex Business Platinum Card isn’t for everyone. Even if the card’s benefits easily justify its price point, it’s not exactly painless to pony up the $895 annual fee (rates and fees). Ask yourself these questions to decide if the card is a fit for you.
Can you spend $20,000 within the next three months? To earn the card’s enormous 200,000-point bonus, you’ll have to make $20,000 in purchases within three months. If you can meet that by making purchases you’d normally make (don’t go into debt just to earn points!), the bonus alone is worth trying the card out for a year to see if it complements your business and personal goals.
Are you a big spender? If your business makes a lot of large transactions, the Amex Business Platinum Card is one of the best cards for you. That’s because it’s a No Preset Spending Limit (NPSL) card, meaning you don’t have a firm credit limit. Instead, Amex will learn your spending habits and give you more purchase power when you need it.
Plus, the card earns 2 points per dollar for transactions of $5,000 or more (again, capped at $2 million in spending per year).
Do you fly at least a few times each year? Some of the card’s best benefits are related to air travel. From up to $200 in airline incidental credits to fantastic airport lounge access to trip delay insurance , flyers specifically will squeeze the most value from the Amex Business Platinum Card.
Can you organically use a few of the card’s business-centric cards?
Does the nature of your business take advantage of the card’s many hundreds of dollars worth of annual business credits? If you spend money on services from Indeed or Adobe anyway, the Amex Business Platinum Card is almost certainly a good deal for you.
Is the Amex Business Platinum Card easy to get?
The Amex Business Platinum Card isn’t “hard to get.” If you’ve got a credit score above 700 — and you own a business — you shouldn’t have a difficult time opening this card. Just a couple notes:
If you’ve earn the welcome bonus for the Amex Business Platinum Card before, you aren’t eligible to earn it again. Amex abides by a once-in-a-lifetime rule when it comes to card bonuses.
You must own a business. Whether it’s a multi-million dollar enterprise or you simply drive for Uber or run an Etsy shop, you must have a for-profit venture to open the Amex Business Platinum Card.
And here’s another fantastic thing about American Express: If you already have an Amex card, American Express can often let you know if you’ll be approved for a card before you formally submit your application. No crossing your fingers after you hit the “Apply Now” button.
It’s made of heavy metal and it’s gold-colored. It must be good, right?
The American Express® Business Gold Card is one of the best rewards cards for small businesses. It offers hundreds of dollars in statement credits each year; its return rate for common purchases is confusingly high; it’s got a substantial six-figure welcome bonus after meeting minimum spending requirements.
Let’s examine the Amex Business Gold Card to help you decide if it’s a good pickup for your situation.
How do American Express Membership Rewards points work?
How to earn American Express Membership Rewards points
The Amex Business Gold Card comes with 100,000 American Express Membership Rewards® points after spending $15,000 on purchases within the first three months from account opening.
That’s a big deal. Amex points are some of the most valuable travel rewards in existence. With 100,000 points, you can book a bucket list trip to just about anywhere for pennies on the dollar.
The card is also great at earning points on everyday business expenses. Most impressive is its 4 points per dollar on the top two eligible bonus categories in which you spend the most each billing cycle (for up to $150,000 in combined purchases each calendar year, then 1x). Eligible categories include:
U.S. purchases at restaurants, including takeout and delivery
U.S. purchases at gas stations
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
U.S. purchases made from electronic goods retailers and software/cloud system providers
This is an above-average return to say the least. You’ll also earn:
3 points per dollar on flights and prepaid hotels booked through AmexTravel.com
1 point per dollar for all other eligible purchases
How to use American Express Membership Rewards points
Amex Membership Rewards points are a potent and easy-to-use tool in your travel utility belt. Here are some popular ways to use them:
Transfer them to airline and hotel loyalty programs partnered with American Express (typically the best way to stretch your points the furthest).
Book airfare through Amex Travel at a rate of 1 cent each.
Book hotel stays through Amex Travel at a rate between 0.7 and 1 cent each.
Redeem for cash back at a rate of 0.6 cents each
As award travel enthusiasts, we always suggest that you transfer your points Amex travel partners. You can convert your Amex points into points and miles with the below programs (transfers are 1:1 unless otherwise specified).
Aer Lingus
Choice Hotels
Iberia
Aeromexico (1:1.6)
Delta
JetBlue (5:4)
Air Canada
Emirates
Marriott Bonvoy
ANA
Etihad
Qantas
Avianca
Flying Blue (Air France and KLM)
Qatar Airways
British Airways
Hawaiian Airlines
Singapore Airlines
Cathay Pacific
Hilton Honors (1:2)
Virgin Atlantic
PointsYeah will help you to quickly find reasonably priced flights FROM anywhere TO anywhere (try out our Daydream Explorer — it’s totally free).
You can even filter your results to exclusively show seats that you can book with American Express Membership Rewards.
With this card’s 100,000-point bonus, there’s virtually nowhere you can’t go. In fact, you can even go many places in a fancy lie-flat seat.
For example, I was able to book a business class flight on American Airlines between Charlotte (CLT) and Paris (CDG) for just 55,000 Amex points and $19 in fees by transferring points to Hawaiian Airlines* (and onto Alaska Airlines). *Transfer ends 6/30/2025
Is the Amex Business Gold Card worth a $375 annual fee?
The Amex Business Gold Card charges a $375 annual fee (rates and fees). But don’t let that scare you off. It’s astonishingly easy to recoup your money from its valuable perks.
If the below features are worth $375 or more to you, the card is an easy win.
Annual statement credits
The Amex Business Gold Card has a few easy-to-use statement credits that can save you hundreds each year:
Up to $240 in annual “Flexible Business Credit.” You’ll receive up to $20 in monthly statement credits toward eligible U.S. purchases made with FedEx, Grubhub, and office supply stores.*
Up to $155 in annual Walmart+ Credit. When you pay for a monthly Walmart+ subscription with your Amex Business Gold, you’ll get up to $12.95 (plus taxes) in credits each month to offset the cost (excludes Walmart’s “Plus Ups” subscription). Walmart+ comes with perks like exclusive discounts, free delivery from the store, and Paramount+.*
Amex Offers. Within your American Express online account are digital coupons that you can manually add to your card. These can save you money on purchases you already planned to make. American Express drops new offers all the time, so it’s worth checking back often.*
*Enrollment required for some benefits
Travel benefits
The Amex Business Gold Card isn’t overtly a travel card (though it earns American Express Membership Rewards points, which are most powerful when redeemed for travel). Still, the card has a couple noteworthy travel perks:
The Hotel Collection. American Express handpicks more than 1,000 upscale hotels that, when booked through Amex Travel, come with elite status-esque benefits like room upgrades (when available) and a $100 property credit per stay. You must book at least two consecutive nights to qualify for these perks.
Travel insurance benefits. When you pay for your travel with the Amex Business Gold Card, you’ll get trip delay insurance, rental car insurance, baggage insurance, and more.
0% intro APR offer
The card offers 0% intro APR on purchases for the first six months from account opening, then 18.49% – 27.49% variable (see rates). Handy for those who foresee some business expenses that’ll need floated for a few months.
Is the Amex Business Gold Card right for you?
The Amex Business Gold Card is easily worth its annual fee for many — but not all. If you answer yes to even one of the below questions, chances are it’s a good deal for your lifestyle.
Can you spend $15,000 within the next three months? To earn the card’s enormous 100,000-point bonus, you’ll have to spend $15,000 on purchases within the first three months from account opening. If you can achieve that with purchases you’d normally make, the bonus alone is motivation enough to give the card a test run. If you decide after a year that it’s not worth paying the annual fee, you can cancel or downgrade it in 12 months.
Do you spend a lot in the card’s 4x categories?
Earning 4 points per dollar is a nearly unprecedented return. If your business spends just a couple thousand bucks per month in categories like U.S. restaurants and U.S. gas stations, you could earn around 100,000 bonus points each year.
Will the card’s statement credits actually save you money?
The card’s up to $20 in monthly credit toward merchants like Grubhub and FedEx can be as good as cash to those who already make those types of purchases. Same goes for the monthly Walmart+ credits. If you already subscribe to Walmart+, it’s an effortless money saver.
Is the Amex Business Gold Card easy to get?
The Amex Business Gold is reasonably easy to get as long as your credit score is good (preferably 700+) and you’re a business owner.
If you’ve already got an American Express card, Amex will likely let you see if you’re approved for the card before you formally apply. That way you won’t incur a hard credit inquiry for nothing.
So yeah, that’s the deal
The Amex Business Gold Card currently comes with 100,000 bonus points after meeting minimum spending requirements. In the rewards credit card world, this bonus is far above average.
If you’re a business owner (whether you operate a coffee shop or you’re simply an Instacart delivery driver), the Amex Business Gold Card could be a fantastic addition to your wallet. It earns points quickly, and its ongoing benefits can save business owners serious money.
You know all the makings of a premium travel credit card: It’s made of shiny metal; it comes with fancy perks like airport lounge access; it offers hundreds of dollars in travel-related statement credits per year; it’s got an eye-watering annual fee.
The Capital One Venture X Rewards Credit Card fits the bill as an unquestionable premium travel rewards card — but with an annual fee that’s considerably lower than its competitors. In fact, because of its effortlessly valuable yearly benefits, the card’s fee is effectively zero.
Even better, the card earns super valuable (and super easy-to-use) rewards. This makes it a great option for anyone who travels even semi-regularly, whether you’re an award travel veteran or you’re just entering the world of miles and points.
How do Capital One miles work?
How to earn Capital One miles
The Capital One Venture X Rewards Credit Card comes with an intro offer of 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
The card also has a high earning rate for everyday purchases:
10 miles per dollar on hotels and rental cars booked through Capital One Travel
5 miles per dollar on airfare and vacation rentals booked through Capital One Travel
5 miles per dollar on Capital One Entertainment purchases
2 miles per dollar on all other eligible purchases
Up to 10X miles is beyond impressive. But the star of the show is its base 2X return rate. No matter how unusual your spending habits, you’re guaranteed to get a good return for your swipes.
When it comes to travel credit cards, this earning structure is as straightforward as it gets.
How to use Capital One miles
Capital One gives you a few basic ways to redeem your rewards. You can:
“Erase” travel purchases you make with your card up to 90 days later at a rate of 1 cent each. You can redeem your miles for transactions like flights, hotels, public transit, even campgrounds.
We’re a bit biased (and correct) when we say that converting your miles into airline and hotel rewards is hands-down the best way to use your points. It gives you the potential to book exponentially more travel than those other two options.
For example, if you were to purchase the below $161 United flight from Eugene (EUG) to Phoenix (PHX), you’d spend 16,100 Capital One miles to “erase” the transaction. But by transferring Capital One miles to Avianca, the flight would cost just 7,500 miles and $5.60 in fees.
Here’s a chart of the airline and hotel programs that partner with Capital One. All transfers are 1:1 unless otherwise specified.
Accor Live Limitless (2:1)
Emirates
Singapore Airlines
Aeromexico
Etihad
TAP Portugal
Air Canada Aeroplan
EVA Air (2:1.5)
Turkish Airlines
Avianca
Finnair
Virgin Red
British Airways
Flying Blue (Air France and KLM)
Wyndham Rewards
Cathay Pacific
JetBlue (5:3)
Choice Privileges
Qantas
No matter where you want to go, a Capital One partner can get you there — and PointsYeah can help you to quickly find a suitable award seat. Enter your origin and destination into the PointsYeah search bar and filter results to only show Capital One partners. We’ll take care of the rest.
Or, if you aren’t exactly sure where you want to go, you can use the Daydream Explorer tool to enter countries or continents (or even all of Earth) as your destination and see what jumps out at you.
Is the Capital One Venture X worth a $395 annual fee?
The Capital One Venture X Rewards Credit Card charges a $395 membership fee — but again,travelers may consider this card to be no-annual-fee. If you travel even once per year, the card can pay for itself without breaking a sweat. Here’s why.
Yearly bonuses
The Capital One Venture X comes with two incredibly useful annual rewards that post to your account after each cardmember anniversary, which make your annual fee effectively to zero:
Up to $300 in travel credit to be redeemed through Capital One Travel for flights, hotel stays, rental cars, etc. (you’ll also get this credit upon account opening)
10,000 bonus Capital One miles (beginning on your first account anniversary)
These perks alone can offset the $395 annual fee for even the intermittent traveler. The 10,000 bonus miles alone can be enough for a round-trip flight to lots of fun destinations (read our guide to where you can go with 5,000 miles or less).
Access to airport lounges
You’ve probably seen fancy airport lounges dotted throughout the concourse during your travels. But you may not know how easy they are to get into.
With the Capital One Venture X Rewards Credit Card, you can enter over 1,300 airport lounges around the world. Airport lounges often come with free food and alcohol, fast Wi-Fi, tons of electrical outlets, and sometimes even showers and children’s play areas.
The card confers access to Capital One Lounges, a collection of upscale lounges, as well as Capital One’s new restaurant-first concept — Capital One Landing. You’ll also get to use lounges within the ubiquitous Priority Pass lounge network. And you can bring two guests for free.
And get this: Even Venture X authorized users will get their own airport lounge access. You can add up to four authorized users for free.
Expedited airport security experience
Every four years, the Capital One Venture X Rewards Credit Card gives you up to $120 in credit to reimburse you for the application fee to “trusted traveler” programs TSA PreCheck and Global Entry.
TSA PreCheck costs $78 for a five-year membership. It gives you the ability to (practically) sprint through the domestic airport security checkpoints without having to remove your shoes or belt — or even take your laptop out of your bag. Plus, you’ll go through an exclusive security lane that processes much faster.
Global Entry costs $120 for a five-year membership. It helps you to skip the immigration line when entering the U.S. from overseas. Instead of getting grilled by an immigration officer, just find a dedicated kiosk and it’ll quickly confirm your identity. Global Entry also comes with TSA PreCheck privileges.
Excellent travel insurance
The Capital One Venture X Rewards Credit Card is an all-time great when it comes to protecting your travel purchases. Its insurance will automatically activate when you pay for your travel with the card.
Here’s what you’ll get:
Primary rental car insurance. When renting a car, the card covers up to $75,000 against theft or damage. You don’t even have to tell your personal insurance provider about the accident — so your premiums won’t be affected at all.
Trip delay reimbursement. When your trip is delayed by at least six hours or requires an overnight stay, you’ll get up to $500 per ticket toward “reasonable” expenses. This can include a hotel room, meals at a restaurant, a phone charger, and more.
Trip cancellation and interruption insurance. Whether you’ve got to cut your trip short or cancel it before it begins, you can be reimbursed up to $2,000 per person for nonrefundable prepaid travel. Eligible reasons include injury or death of an immediate family member or if the carrier on which you’re traveling goes bankrupt.
Lost luggage reimbursement. Get up to $3,000 when the common carrier (airline, cruise ship, ferry, bus, etc.) loses your luggage.
Travel accident insurance. You’ll receive up to $1 million in coverage against accidental loss of life, limbs, sight, speech, or hearing if the tragedy is the common carrier’s fault.
Trust me, these perks are better than what the vast majority of travel credit cards offer. If you travel regularly, you’ll get good use from these (but fingers crossed that you miraculously never need to use them!).
Cell phone protection
When you pay your monthly cell phone bill with the Capital One Venture X Rewards Credit Card, your phone is covered for up to $800 against damage or theft(max two claims and $1,600 in coverage per 12-month period).
Top-tier Hertz elite status
Hertz’s highest level of status is called President’s Circle — and it’s complimentary with the Capital One Venture X (though you’ve got to enroll your card). Without the card, you’d have to either complete 15 rentals or spend $3,000 with Hertz in a calendar year.
President’s Circle comes with perks like:
50% bonus points on paid rentals
Guaranteed upgrades
A dedicated customer service line
Get special access to restaurants and events
Capital One caters heavily to dining and entertainment. It partners with some restaurants to help you land a reservation even when the joint is fully booked. Its Capital One Dining platform also hosts special experiences like cooking classes with prominent chefs.
And through Capital One Entertainment, you can book super popular music and sporting events and experiences through presale opportunities — so you can be one of the first to buy.
Is the Capital One Venture X right for you?
A $395 annual fee isn’t exactly a pittance. To decide if the Capital One Venture X Rewards Credit Card is worth the price point, ask yourself these simple questions.
Do you fly a couple times each year? With its myriad air travel-related protections and its airport lounge access, the Capital One Venture X is especially valuable for flyers. You’re neglecting a lot of value if you don’t find yourself in an airport at least once or twice per year.
Do you book travel through online travel agencies? When you book airfare, hotel stays, or rental cars, do you use a website like Expedia or Priceline? If so, you’ll make good use of the card’s up to $300 in annual travel credit — since it can only be redeemed through Capital One Travel. Plus, the Capital One Venture X Rewards Credit Card earns tons of bonus miles when you pay for travel through this platform.
Do you like road-tripping? The Capital One Venture X Rewards Credit Card is one of the best credit cards to use for renting a car thanks to its top-notch travel insurance and its 10X return rate for car rentals through Capital One Travel. It even offers the highest level of Hertz elite status (though you typically won’t get rental car elite status perks when booking via Capital One Travel — you’ll have to book directly with Hertz).
Maintain a good credit score. We recommend that you not apply for this card unless your credit score is at least 720. While there may be anecdotal evidence of folks being approved with a lower score, a 720+ score gives you the best chance.
48-month rule. If you’ve earned the welcome bonus on a Capital One Venture X within the past 48 months, you won’t be eligible to earn it again.
1/6 rule. Capital One usually won’t approve you for more than one credit card application within a six-month period.
So yeah, that’s the deal
The Capital One Venture X Rewards Credit Card is a premium credit card with a more accessible annual fee. And because the fee can so easily be offset with perks like airport lounge access, $300 in annual travel credit, and 10,000 yearly bonus miles, the Capital One Venture X Rewards Credit Card is an easy win for just about every traveler.
