Credit cards with an annual travel credit
10 cards · 11 credits · about $2,875 a year combined
A travel credit is the most flexible perk on this list, which is exactly why people leave it sitting there: there's no single obvious moment to use it. Below is every card in our catalog carrying a general travel credit, ranked by what it's worth over a year, with a link to the page each figure was checked against.
Chase Sapphire Reserve BusinessChase Sapphire Reserve for Business · $795 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| The Edit by Chase Travel CreditStatement credits on prepaid stays at The Edit by Chase Travel hotels; up to $250 per booking, $500/yr total. issuer page → | $500/yr | Posts automatically |
| $300 annual travel creditAuto-applied against the first $300 in eligible travel charges each cardmember year. issuer page → | $300/yr | Posts automatically |
$800 a year on this card.
Bilt Palladium$495 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Bilt Travel Portal hotel creditMinimum 2-night stay. Toggle at booking. issuer page → | $400/yr | You have to use it |
$400 a year on this card.
U.S. Bank Altitude ReserveU.S. Bank Altitude Reserve Visa Infinite · $400 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Annual Travel CreditAs of Dec 15, 2025 redeemable only on bookings made through the U.S. Bank Travel Center (no longer auto-applies to all travel/dining). issuer page → | $325/yr | Posts automatically |
$325 a year on this card.
Chase Sapphire Reserve$795 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| $300 annual travel creditAuto-applied against first $300 in eligible travel charges each cardmember year. issuer page → | $300/yr | Posts automatically |
$300 a year on this card.
Capital One Venture X Business$395 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Capital One Business Travel CreditCapital One Travel portal only. issuer page → | $300/yr | You have to use it |
$300 a year on this card.
Barclays JetBlue PremierJetBlue Premier Card · $499 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Annual JetBlue Travel CreditStatement credit on JetBlue purchases. issuer page → | $300/yr | Posts automatically |
$300 a year on this card.
Chase United QuestUnited Quest Card · $350 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| $200 United Travel CreditAuto-applied against United purchases. issuer page → | $200/yr | Posts automatically |
$200 a year on this card.
Chase United BusinessUnited Business Card · $150 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| $125 United Travel Credit$125 in United TravelBank cash after 5 United flight purchases of $100 or more in a calendar year (the $500 spend shown is those 5 flights). issuer page → | $125/yr | You have to use it |
$125 a year on this card.
Chase Southwest PrioritySouthwest Rapid Rewards Priority Credit Card · $229 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Southwest Travel CreditAuto-applied against Southwest Airlines purchases each cardmember year. issuer page → | $75/yr | Posts automatically |
$75 a year on this card.
Capital One Venture Business$95 a year annual fee
| Credit | Annual value | How to use it |
|---|---|---|
| Capital One Business Travel CreditCapital One Travel portal only. Rebranded from Spark Miles April 2026. issuer page → | $50/yr | You have to use it |
$50 a year on this card.
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