5 Travel Card Credits You're Probably Not Using (2026 Guide)

Premium credit cards come with annual credits that can offset — or even exceed — their annual fees. But studies show over 40% of cardholders forget to use at least one credit. Here are 5 commonly missed credits:

1. Amex Platinum $200 Hotel Credit Usable at Fine Hotels & Resorts and The Hotel Collection (prepaid). Book a $200+ stay through Amex Travel to trigger it.

2. Chase Sapphire Reserve $300 Travel Credit Applies automatically to any travel purchase (flights, hotels, Uber, parking, tolls, trains). The broadest definition of "travel" among premium cards.

3. Capital One Venture X $300 Travel Credit Applies to purchases through the Capital One Travel portal. Book your next flight or hotel there first.

4. Amex Gold $120 Uber Cash $10/month in Uber Cash (including Uber Eats). Set a monthly calendar reminder — it doesn't roll over.

5. Amex Gold $120 Dining Credit $10/month at select restaurants (Grubhub, Seamless, Goldbelly, Wine.com, etc.). Use the Amex app to enroll each month.

Pro tip: Create a simple spreadsheet tracking which credits you've used each month. Total annual value from these 5 cards alone: over $1,040.