The complete list of credit card perks that reset each calendar year (2026)

Rewards rate

• 4x Membership Rewards Points at restaurants worldwide (on up to $50,000 per calendar year in purchases, then 1x)
• 4x Membership Rewards points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1x)
• 3x Membership Rewards points on flights booked directly with airlines or on AmexTravel.com
• 2x Membership Rewards points on prepaid hotels and other eligible purchases booked on AmexTravel.com
• 1x Membership Rewards points on all other eligible purchases

Benefits

• Earn up to $10 in statement credits each month when you pay with your American Express Gold Card at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com (enrollment required)
• Up to $100 in annual statement credits ($50 semi-annually) when you use your American Express Gold Card on eligible purchases at U.S. restaurants on the Resy app or Resy.com
• Up to $84 per year ($7/month) in statement credits after you enroll and pay with your American Express Gold Card at more than 9,000 U.S. Dunkin’® locations (enrollment is required to receive this benefit)

Rewards rate

• 3% cash back at U.S. supermarkets (on up to $6,000 per year in eligible purchases, then 1%)
• 3% cash back on U.S. online retail purchases (on up to $6,000 per year in eligible purchases, then 1%)
• 3% cash back at U.S. gas stations (on up to $6,000 per year in eligible purchases, then 1%)
• 1% cash back on all other purchases
• Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit or on Amazon.com at checkout

Benefits

• Generous intro APR on purchases and balance transfers
• Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, hulu.com, or plus.espn.com U.S. websites (subject to auto-renewal)
• Split purchases of $100 or more into equal monthly installments with a fixed fee — select the purchase in your online account or the American Express® App to see your plan options

Rewards rate

• 6% cash back at U.S. supermarkets (on up to $6,000 in eligible purchases annually, then earn 1%)
• 6% cash back on select U.S. streaming subscriptions
• 3% cash back on at eligible U.S. gas stations and on transit, including taxis/rideshare, parking, tolls, trains, buses, and more
• 1% cash back on all other purchases
• *Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout

Benefits

• Generous intro APR on purchases and balance transfers
• Get up to a $10 monthly statement credit after using your enrolled Blue Cash Preferred® Card for a subscription purchase, including a bundle subscription purchase, at disneyplus.com, hulu.com, or plus.espn.com U.S. websites (subject to auto-renewal)
• Split purchases of $100 or more into equal monthly installments with a fixed fee — select the purchase in your online account or the American Express® App to see your plan options

Benefits

• Enjoy a $0 introductory annual fee for the first year, then $150
• After you spend $10,000 in purchases on your Card in a calendar year, you can receive a $200 Delta Flight Credit to use toward future travel
• Check your first bag free on Delta flights

Benefits

• Receive a Companion Certificate on a main cabin round-trip flight to select destinations each year after renewal of your Card. Terms apply.
• Earn up to $10 in statement credits each month after using your Delta SkyMiles® Platinum American Express Card on U.S. rideshare purchases with select providers. Enrollment required
• Check your first bag free on Delta flights

Benefits

• Receive upgrade priority over other Medallion Members within the same Medallion level and fare class
• Receive a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin round-trip flight to select destinations each year after renewal of your Card. Terms apply.
• Enjoy 15 complimentary visits to the Delta Sky Club® when you fly Delta, and unlock unlimited visits after spending $75,000 in purchases in a calendar year

Benefits

• $0 annual fee
• Spend $20,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Hilton Honors Gold status through the end of the next calendar year
• Enjoy international travel without additional fees on purchases made abroad

Benefits

• Earn a Free Night Reward after you spend $15,000 on eligible purchases in a calendar year
• Spend $40,000 on eligible purchases on your Card in a calendar year and earn Hilton Honors Diamond Status through the end of the next calendar year
• Enjoy international travel without additional fees on purchases made abroad

Benefits

• Complimentary Hilton Honors™ Diamond status
• Every six months, get up to $200 in statement credits on eligible purchases made directly with Hilton Resorts
• Annual free night reward
• Earn up to $200 back per year ($50 in statement credits each quarter) on eligible flight purchases directly with an airline or through AmexTravel.com
• Earn up to $209 in annual statement credits when you pay for an auto-renewing CLEAR Plus Membership with your card

Rewards rate

• 6x Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy
• 4x points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2x points)
• 2x points on all other eligible purchases

Benefits

• Earn up to 18.5x Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy: Earn 6x points with the Marriott Bonvoy Bevy® American Express® Card; earn up to 10X points from Marriott Bonvoy for being a Marriott Bonvoy member; and earn up to 2.5x points from Marriott Bonvoy with the 25% Bonus Points on Stays, a benefit available with your complimentary Gold Elite status
• Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy Card in a calendar year (redemption level at or under 50,000 Marriott Bonvoy points at hotels participating in Marriott Bonvoy; certain hotels have resort fees)
• Each calendar year with your card, you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status (Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express.)

Benefits

• Receive 1 Free Night Award every year after your card renewal month: Award can be used for one night at hotels participating in Marriott Bonvoy® (redemption level at or under 85,000 Marriott Bonvoy® points; certain hotels have resort fees)
• Earn up to 21x Marriott Bonvoy® points for every $1 spent on eligible purchases at hotels participating in Marriott Bonvoy: Earn 6x points with the Marriott Bonvoy Brilliant® American Express® Card; earn up to 10x points from Marriott Bonvoy for being a Marriott Bonvoy member; and earn up to 5x points from Marriott Bonvoy with the 50% Bonus Points on Stays, a benefit available with your complimentary Platinum Elite status
• Enroll in Priority Pass™ Select, with an unlimited number of visits to over 1,200 airport lounges in over 130 countries, regardless of which carrier or class you are flying

Rewards rate

• 5x points for flights booked directly with airlines or with American Express Travel® (up to $500,000 per calendar year)
• 5x points on prepaid hotels booked with American Express Travel
• 1x points on all other purchases

Benefits

• Get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel (up to $300 semi-annually; The Hotel Collection requires a minimum two-night stay)
• Get up to $400 in annual statement credits ($100 each quarter; enrollment required) for eligible purchases with Resy, including dining at Resy restaurants
• Enjoy up to $200 in Uber Cash annually —  that’s $15 in Uber Cash for rides or Uber Eats orders each month, plus a bonus $20 in December (you must have the latest version of the Uber App downloaded and your eligible American Express Platinum Card must be a method of payment in your Uber account; Amex benefit may only be used in United States)

Rewards rate

• Earn 4x Membership Rewards points on the top two eligible categories (out of 6 total categories) where your business spends the most each month. Although your top 2 categories may change each month, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year, then 1x after that (only the top 2 categories each billing cycle will count towards the $150,000 cap; terms apply).
• 3x points on flights and prepaid hotels booked on AmexTravel.com
• 1x points on all other purchases

Benefits

• Earn up to $20 in monthly statement credits (up to $240 annually) for eligible U.S. purchases at FedEx, Grubhub, and office supply stores
• The Business Gold Card comes in three metal designs — Gold, Rose Gold, and White Gold
• Your spending limit is flexible and adjusts based on factors such as your purchase, payment, and credit history

Rewards rate

• 2x miles on purchases at U.S. shipping providers and at U.S. providers for advertising in select media (up to $50,000 of purchases per category, per year)
• 2x miles on eligible purchases made directly with Delta and at restaurants
• 1x miles on all other purchases

Benefits

• After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel
• Save 15% anytime you book award travel with miles on a Delta flight
• First checked bag free on Delta flights + zone 5 priority boarding

Rewards rate

• 3x miles on Delta and hotel purchases
• 1.5x miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more (up to $100,000 in combined spending annually)
• 1x miles on all other purchases

Benefits

• Earn an annual statement credit of up to $200 after booking prepaid hotels or vacation rentals through Delta Stays
• Save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app
• Earn up to $10 per month in statement credits on eligible Resy purchases

Rewards rate

• 3x miles on Delta purchases
• 1.5x miles on eligible transit, U.S. shipping, and office supply store purchases (plus all purchases after you spend $150,000 on your card in a year)
• 1x miles on all other purchases

Benefits

• Earn an annual statement credit of up to $250 after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com
• Check your first bag free on Delta flights
• Enjoy international travel without additional fees on purchases made abroad

Benefits

• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business American Express Card
• Receive 1 Free Night Award every year after your card renewal month, and an additional Free Night Award after you spend $60,000 in purchases on your card in a calendar year (redemption level at or under 35,000 points at hotels participating in Marriott Bonvoy; certain hotels have resort fees)

Rewards rate

• 2% cash back on all eligible purchases on up to $50,000 per calendar year
• 1% cash back on all eligible purchases after spending $50,000 per calendar year (cash back earned is automatically credited to your statement)

Benefits

• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Unlock over $3,500 in statement credits with business and travel benefits annually on the Business Platinum Card (after meeting qualifying spend thresholds; terms apply)

Rewards rate

2x points on everyday business purchases such as office supplies or client dinners (applies to the first $50,000 in purchases per year, 1x after that). Terms and limitations apply.

Rewards rate

• 12x points on eligible Hilton purchases made directly with hotels and resorts within the Hilton portfolio
• 5x points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each year
• 3x on all other eligible purchases

Benefits

• Enjoy complimentary Hilton Honors Gold Status
• You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your card during a calendar year are $40,000 or more
• Enjoy up to $240 back each year for eligible purchases made directly with Hilton

Benefits

• Free first checked bag for you and three travel companions on JetBlue flights
• Get 10% of your points back after you redeem them for a JetBlue award flight
• Earn 5,000 points bonus each year on your account anniversary
• Receive up to a $100 statement credit each year after you purchase a JetBlue Vacations package of $100 or more
• 50% savings on eligible inflight purchases when flying JetBlue

Rewards rate

• Earn 1.529% cash back rewards when linked to an eligible College Savings Plan (or 1.25% if your account is not linked to a College Savings Plan)
• Get up to $250 in cash back rewards per calendar year on eligible gift card purchases at MyGiftCardsPlus.com (powered by Upromise)
• Round up your purchases to the nearest dollar (based on the limit you set)

Benefits

• Automatic Wyndham Rewards Platinum status
• Earn 7,500 bonus points each account anniversary
• Redeem 10% fewer Wyndham Rewards points for Go Free® awards
• Cardmembers can access exclusive discounts on the Best Available Rate for stays at participating Hotels by Wyndham

Benefits

• $300 annual credit for travel bookings through Capital One Travel
• 10,000 annual bonus miles (worth $100 in travel spending; starts on your first account anniversary)
• Unlimited access for you and two guests to Capital One Lounges and 1,300+ more lounges through partner networks after enrollment

Benefits

• Every year, you’ll get 10,000 bonus miles after your account anniversary date and receive an annual $300 credit to use on Capital One Business Travel
• Up to a $120 statement credit on TSA PreCheck or Global Entry
• Unlimited complimentary access to Capital One Lounges and a network of 1,300+ Priority Pass lounges worldwide after enrollment

Benefits

• Earn 500 bonus points for every $2,000 you spend in a calendar month (up to 1,500 points per month)
• You and up to 8 travel companions traveling on the same reservation can each enjoy onn free checked bag on Air Canada
• New cardmembers will automatically receive Aeroplan 25K Status for the remainder of the calendar year, plus the following year. Existing status holders who spend at least $50,000 during a calendar year can earn an Elite Status Level Up of one tier to 35K Status or higher.

Benefits

• Earn an economy companion ticket (good for 12 months) when you spend $30,000 on your card in a calendar year
• You and any authorized users are eligible for priority boarding on Aer Lingus flights departing from and returning to the U.S. from Ireland
• No foreign transaction fees

Benefits

• 10% off British Airways flights starting in the U.S. when you book through the website provided in your welcome materials
• Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket (good for two years)
• Up to $600 in statement credits toward fees and other charges when you book reward flights to London ($100 for Economy or Premium Economy, $200 for Business or First Class, up to three times per year), Benefit Value per year in dollars: up to $600

Benefits

• Complimentary DashPass with $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27, plus a $10 promo each month on non-restaurant orders
• Earn up to $50 in annual statement credits for hotel stays purchased through Chase Travel
• On every account anniversary, earn bonus points equal to 10% of your total purchases made the previous year

Benefits

• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables
• Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more
• Receive up to a $120 statement credit every four years to cover the application fee for Global Entry, TSA PreCheck®, or NEXUS

Benefits

• Get up to $250 in statement credits from January through June, and again from July through December for prepaid bookings made with The Edit℠
• Receive one statement credit of up to $120 every four years as reimbursement for the Global Entry, TSA PreCheck®, or NEXUS application fee charged to your card
• Receive an annual travel credit up to $300 in statement credits each anniversary year

Benefits

• Earn a complimentary DashPass membership every year with $10,000 in annual card spend
• No foreign transaction fees

Benefits

• Save 10% on Iberia flights purchased on iberia.com/Chase10
• Earn a discount voucher of $1,000 to use toward two tickets on the same flight for each calendar year you make purchases of $30,000 on your card
• No foreign transaction fees

Benefits

• Earn a free night on each account anniversary, plus get a fourth night free when you redeem your points for a consecutive four-night stay at IHG properties
• Receive Global Entry, TSA PreCheck®, or NEXUS statement credit of up to $120 every 4 years as reimbursement for the application fee charged to your card
• Access perks including free upgrades, welcome amenities, and guaranteed room availability when you book at least 72 hours in advance

Benefits

• $0 annual fee
• Redeem 3 nights, get the 4th night free
• Enjoy international travel without additional fees on purchases made abroad

Rewards rate

• Up to 17x points at Marriott: 6x points at participating Marriott Bonvoy® properties, 10x points for being a Marriott Bonvoy® member, plus 1x points for members with Silver Elite Status
• 3x points per $1 on the first $6,000 spent in combined purchases annually on grocery stores, gas stations, and dining
• 2x points on all other purchases

Benefits

• Earn a Free Night Award every year after your account anniversary (worth up to a 35,000-point redemption)
• Get automatic Marriott Bonvoy® Silver Elite Status each calendar year, plus receive 15 Elite Night Credits each calendar year and earn 1 Elite Night Credit for every $5,000 you spend
• Get a one-year complimentary DashPass membership if you activate by 12/31/27

Benefits

• 3,000 bonus points after your Cardmember anniversary
• First checked bag free for you and up to 8 additional passengers in the same reservation
• Standard Seat Selection within 48 hours prior to departure, when available

Benefits

• Earn 6,000 points each year on your account anniversary
• First checked bag free for you and up to 8 additional passengers in the same reservation
• Get 25% back on inflight purchases
• 10,000 Companion Pass® qualifying points boost each year

Benefits

• 7,500 bonus points after your Cardmember anniversary
• First checked bag free for you and up to 8 additional passengers in the same reservation, plus enjoy unlimited upgrades to an Extra Legroom seat when available
• 10,000 Companion Pass® qualifying points boost each year

Benefits

• Free first checked bag
• Up to $120 Global Entry, TSA PreCheck® or NEXUS fee credit
• Priority boarding on United flights and 2 United Club one-time passes per year

Benefits

• Free first and second checked bags + priority boarding
• Receive a $200 United® travel credit and 10,000-mile award flight discount on each account anniversary
• Earn 2 global Economy Plus® seat upgrades after spending $40,000 in purchases each calendar year

Benefits

• Free first and second checked bags and Premier Access® travel services
• Complimentary United Club℠ membership — at least a $750 value annually — offers access to United Club locations and participating Star Alliance airport lounges
• Earn up to 20,000 miles in award flight discounts annually

Benefits

• $0 annual fee
• 2 free checked bags after you spend $10,000 on your card in a calendar year
• 25% back as a statement credit on food, beverage, and Wi-Fi purchases on United-operated flights and on Club premium drinks

Rewards rate

• 3x on the first $150,000 spent each account anniversary year in the following categories: shipping purchases; advertising purchases via social media sites and search engines; internet, cable, and phone services; and travel
• 1x on all other purchases with no earning cap

Rewards rate

• 3x on Southwest purchases
• 2x at gas stations and restaurants on the first $8,000 in combined purchases per
  anniversary year
• 1x on all other purchases

Benefits

• 6,000 bonus points after your cardmember anniversary
• First checked bag free for you and up to 8 additional passengers in the same reservation
• Preferred Seat Selection within 48 hours prior to departure, when available

Benefits

• 9,000 bonus points after your Cardmember anniversary
• First checked bag free for you and up to 8 additional passengers in the same reservation, plus enjoy unlimited upgrades to an Extra Legroom seat when available
• 10,000 Companion Pass® qualifying points boost each year

Benefits

• Receive a $125 United travel credit after making 5 United flight purchases of $100 or more each calendar year with your card
• Receive a 5,000-mile “better together” bonus each anniversary when you have both the United Business Card and a personal Chase United credit card
• Enjoy a free first checked bag, 2 United Club℠ one-time passes per year, and priority boarding privileges

Benefits

• Spend $50 or more at any Hyatt property and earn $50 in statement credits up to two times per year
• World of Hyatt Discoverist status for you and up to 5 employees for as long as your account is open
• Get 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year

Benefits

• First checked bag free on domestic American Airlines itineraries for you and up to four companions on the same reservation
• Preferred boarding on American Airlines flights
• No foreign transaction fees on purchases you make abroad

Benefits

• Enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com (once per calendar year; benefit applied instantly at the time of booking)
• No foreign transaction fees
• Transfer ThankYou® Points to participating airline loyalty programs — including TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer — with no fees (minimum transfer of 1,000 points)

Benefits

• Get a $15 annual streaming credit for services like Netflix or Spotify
• Redeem your points for travel, merchandise, cash back, gift cards, and more

Benefits

• Ge a $50 annual statement credit with $50 minimum airline purchase
• Access travel protections such as lost baggage reimbursement, travel accident insurance, and trip cancellation protection
• Get up to $1,000 of cell phone protection against damage, theft, or loss ($25 deductible applies)