There's a great debate on social media platforms, from TikTok to Instagram, among travel credit card holders: What travel credit card is actually worth the annual fee? Asking yourself this lofty question with your fancy card in hand might feel counterproductive. However, it's always good to reevaluate any financial investment early and often to ensure you're getting the most out of it.
Credit cards are already a minefield because, without financial planning, you can end up in a boatload of debt. Been there, done that, and got the wasted money on interest to show for it. After paying off $15,000 in debt, I was reluctant to use any more credit cards. But after tons of research, I saw the value of the American Express Gold Card. I got points on my everyday spending and was diligent about paying off my monthly balance. But for me, as an avid traveler, it was time for either an upgrade or a new card with lots of research, of course.
Spoiler alert: I upgraded to the American Express Platinum Card, but I wanted to break down some of the benefits of all of the most talked about cards so that you can both use every benefit you’re paying for if you already have these cards in your wallet or get to know some of the perks if you’re in the market for a travel credit card so you can invest in a card that’s best for your everyday and travel needs.
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American Express Platinum Card Benefits and Perks
Because I was already an Amex customer, I started here. The introductory offer—100,000 points after spending $6,000—for upgrading to an American Express Platinum Card was difficult to pass up. But I needed to see how the benefits stacked up if I was giving up 4X points on groceries and dining and opting for a lofty $695 annual fee. So how does the Platinum card stack up on earning points? Platinum cardholders get a point for every dollar spent, 5X the points on flights, and 5X on prepaid hotels booked through the Amex travel portal.
1. Lounges
Before gaining status with Delta, I always felt some FOMO passing the Sky Clubs. However, with the Platinum card, you can get through the velvet rope into Centurion lounges. You can also access Priority Pass lounges and Delta Sky Clubs with a same-day Delta ticket. One of the biggest gripes I've seen in online forums is how packed Priority Pass lounges can be as they serve many other luxury credit card holders, and during peak travel season, this could feel less like a perk.
2. Hotels Perks
Accommodations are the second most crucial part of planning a trip. Before booking through a third-party site or directly through the hotel, the Amex portal offers the ability to earn 5X the points when prepaying for accommodations. But there are more benefits aside from points. First, there's the complimentary Gold status with Hilton Honors and Marriott Bonvoy.
Next up, the credit card company provides The Fine Hotels + Resorts and The Hotel Collection. The Fine Hotels + Resorts benefits are as luxe as the five-star accommodations that are a part of this collection. When booking, your perks are: daily breakfast for two, free Wi-Fi, guaranteed 4 p.m. checkout, a $100 hotel credit, and noon check-in and room upgrade when available.
For The Hotel Collection, the hotels are among some of the best in the city, and cardholders receive a $100 hotel credit and a room upgrade when available. Additionally, another hotel benefit instantly helps offset the $695 credit card fee: $200 back in statement credits each year when you book a prepaid Fine Hotels + Resorts or The Hotel Collection reservation. I used this credit at the Conrad Hotel Midtown in New York City. It was so worth it.
3. Transportation Perks
We've covered lounges, so what about transportation benefits? Well, they're quite a few. Firstly, this card gives you a $200 airline fee credit per calendar year. So this covers everything from baggage fees to seat upgrades. Just be sure you go into the portal to select your airline.
Don't want to spend an overabundance of time in TSA or have to take off your shoes? The Platinum card credits back on your credit card for Clear ($189), TSA-Precheck ($85), and Global Entry ($100). In addition to taking care of the cost of breezing through TSA, if your flight is delayed six hours due to an airplane mechanical issue, the loss of your passport, or inclement weather, the card offers delay insurance reimbursing expenses like hotels and meals up to $500. After my flight from Paris to Atlanta was canceled due to mechanical issues (while I was on it), this came in handy and was very easy to use with a call to American Express customer service.
Additional transportation benefits:
- If your bag goes MIA, the card baggage insurance plan protects against damage or loss of up to $3,000 as long as you've paid the total cost of your trip with your card.
- Uber Benefit: $200 in Uber cash ($15 a month with $35 in December).
- Car Rental Loss and Damage Insurance (be sure to pay for the rental with your card and decline the collision damage waiver).
Some of the other American Express Platinum Card benefits:
- Up to $300 in annual Equinox credit.
- SAKS Benefit: Earn up to a $100 Saks Fifth Avenue credit, split into two $50 statement credits between January and June, then July through December.
- No Foreign Transaction Fees.
- Free shipping with ShopRunner (offers two-day shipping with select online retailers).
- Up to $240 in digital entertainment credit.
The Best Way to Redeem American Express Membership Rewards Points
Amex rewards points can be used on everything from gift cards to Amazon purchases and on, of course, travel. Each point is worth one cent, so let's say you book a flight through the portal for $150. You'd need 15,000 points to pay for that fare. Not worth the trade-off, right? So if this is your card (or your future card), you'll want to research before you turn over those points. Typically, you can get more bang for your points when transferring them to one of Amex's airline partners. But again, you'll want to see what airline makes the conversion worth it.
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Chase Sapphire Reserve Benefits and Perks
The Chase Sapphire Reserve card is another beloved option at the center of the luxury travel credit card debate. This one is a contender with an annual fee of $550. When it comes to earning points, you earn 5X points on flights. 10X points on hotels and car rentals when you purchase through Chase Ultimate Rewards. 3X points on travel and dining worldwide and 1X on all other purchases. So Chase's points-earning system does have some leverage on alternative cards. However, before earning 3X points on travel and dining, you must first use the $300 annual travel credit offered for flights and hotel stays.
1. Lounges
The Chase Sapphire Reserve card offers access to the Priority Pass lounges. But there's been a new development. Chase is introducing Chase Sapphire Lounge by The Club, which started last year. There isn't much info on these clubs yet, but the first Chase Sapphire Lounge by The Club—an 11,948-square-foot space—opened in Hong Kong in October 2022. So, this is certainly something to look forward to if you're a Chase member.
2. Hotel Perks
This card offers a Luxury Hotel & Resort Collection with select properties offering daily breakfast for two, a $100 benefit (unique to each property), free Wi-Fi, and a room upgrade and early check-in and late checkout when available.
Additionally, there are Elite Hotel Benefits at Relais & Châteaux and Elite Hotel Benefits at Ennismore. These properties are in specific places throughout the world. For example, Relais & Châteaux properties are mostly located in Europe. In comparison, Ennismore properties are located in major hubs like Beverly Hills, London, New York, Rome, and Paris. However, if you end up in a city with Ennismore options, the Elite Hotel Benefits offers some solid perks like a complimentary fourth night, late checkout, food and beverage credits, and room upgrades.
3. Transportation Perks
Regarding transportation benefits, the Chase Sapphire Reserve offers a $100 credit toward Global Entry/TSA PreCheck fee every four years. And financial assistance for bag delays on any mode of transportation— airline, bus, cruise ship, or train—for more than 6 hours at $100 per day (up to five days) as long as your ticket purchase is made with your credit card or points.
Additional transportation benefits:
- Trip Cancellation/Interruption Insurance: Up to $10,000 in reimbursement for cardholders and immediate family members).
- Lost Luggage Reimbursement: Up to $3,000 per passenger, including cardholder and immediate family members (even if the cardholder is not traveling on the trip).
- Trip Delay Reimbursement: If your trip is delayed by more than six hours or requires an overnight hotel stay, you are eligible for reimbursement of up to $500 per person. This benefit extends to your family as well.
- Lyft Pink All Access free membership for two years.
- 10 points per $1 spent on Lyft (through March 2025).
- Primary rental car coverage of up to $75,000 for theft and collision damage.
Other Chase Sapphire Reserve benefits:
- Free subscription to DoorDash DashPass.
- Monthly DoorDash Food Delivery Credit ($5/month).
- Instacart+ Membership ($99).
- Monthly Instacart Credit ($15/month).
- No foreign transaction fees.
The Best Way to Redeem Chase Ultimate Rewards Points
Like many credit card points systems, with Chase Ultimate Rewards, you can use your points to purchase gift cards or even make a payment on your bill. But if you want to use them on travel, the best way to make the most use of your points currency is to transfer your points to Chase partners (there are 11 airline partners and three hotel partners). Before moving points, do thorough research to ensure you're satisfied with your investment.
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Capital One Venture X Card Benefits and Perks
The Capital One Venture X card is the last card making a splash in the fancy credit card convo. But this card came to play with an annual fee of $395, which is quickly offset with the card's $300 in annual statement credits when booking through Capital One Travel. Additionally, cardholders receive 10,000 bonus miles (a $100 value) on every account anniversary. And, you get 2X miles on everyday purchases, 5X miles on flights, and 10X miles on hotels and rental cars booked via Capital One Travel.
1. Lounges
Lounge benefits are similar to other cards, with cardholders being able to access Priority Pass. But if you want more lounge access, Capital One is introducing its own lounges, with the first opening at DFW in November 2021, with more openings slated for 2023.
2. Transportation Perks
Like the other two travel cards, Venture X offers $100 statement credits for Global Entry or TSA PreCheck. In addition, the card offers trip cancellation and interruption insurance that covers you and your immediate family member—up to $2,000 per person— on prepaid, nonrefundable tickets.
Additional Capital One Venture X transportation benefits:
- Trip Delay Reimbursement: Up to $500 per person to cover expenses like hotel rooms, food, and clothes when your flight is delayed overnight or by six hours or more.
- Lost Luggage Reimbursement: Up to $3,000 per covered trip if the airline damages or loses your bags.
- Rental Car Status: Both the primary cardholder and authorized users receive complimentary Hertz President's Circle status and primary rental car insurance (up to $75,000 for damage caused by collision or theft to a rental car).
The Best Way to Redeem Capital One Miles
The best way to make the most use of your points currency for travel is to transfer your points to Capital one partners. (There are 18 partners).
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At the beginning of the year, we are being shown how significant 2025 will be for love. From March 1, 2025, until April 12, 2025, Venus, the planet of love and relationships, will be retrograde. Venus goes retrograde approximately every 18 months and hasn’t been retrograde since the Summer of 2023. With love taking a step back at the beginning of the year, we move through a time of understanding the emotional world better and letting go of trying to control outcomes here.
What Does 2025 Have in Store for Love?
It’s time to refocus your relationship priorities overall, and with this retrograde happening in both Aries and Pisces, Aries being the first sign of the zodiac and Pisces being the last; there is a chapter we are closing and a new one we are walking into.
Another significant factor that is influencing relationships this year, is Jupiter’s entry into Cancer. Jupiter brings blessings, abundance, luck, and expansion, and in water sign Cancer, brings these gifts to your emotions. Cancer rules emotional safety, foundations, close loved ones, family, support, and emotional well-being, and with Jupiter in this sign from June 9, 2025, until June 30, 2026, we experience blessings in stability within love. This is a good year for building stronger foundations in love, aligning with those who are loyal and supportive, knowing what you need emotionally, and being a lot clearer on it.
Letting Go of the Past: The Astrological Theme of 2025
Overall, the guideline for the year when it comes to love is to focus on the bigger picture and let things work themselves out without forcing them to. Magic will come in for you this year when you can assess your needs and wants, let go of illusions or smoke and mirrors, and focus on the things you want for yourself rather than what you don’t. Your focus and beliefs on love are the priority right now, and things will be coming full circle for the better.
Read below to see your personal 2025 love forecast. Read for your sun, moon, and rising signs.
ARIES
2025 is one of the more significant years for you, Aries. A lot of the major transits are happening in your sign, which includes Venus retrograde in Aries at the beginning of the year, Neptune in Aries from March 2025 until 2039, and Saturn in Aries from May 2025 until 2028. Not to mention, Chiron, the wounded healer is currently in your sign until 2027.
What this means for you when it comes to love, is that you have learned a lot about where you want to be here, and it’s the year to implement more of these tools and knowledge of the heart.
This year for love is about honoring your integrity and what you need personally to thrive in life and creating that space to let it in. You need someone who will be there for you through whatever you are experiencing in life and not someone who adds to these challenges. This year is a time of rising above, and choosing better for yourself.
TAURUS
2025 for you when it comes to love, is all about perspective and taking better care of your heart, Taurus. Uranus, the planet of change, rebellion, progress, and upheaval, has been in your sign since 2019, and this year you get a break from all of the surprises. From Jul. 7, 2025, until Nov. 7, 2025, Uranus leaves your sign and enters Gemini, giving your mind and your heart some time to breathe.
This year you are being given the opportunity to see things for what they are, rather than what you fear them to be. You are able to see your relationship dynamics clearer, allowing you to feel more confident in what you are building and creating for yourself in this area of your life. What you are working on this year is letting go of overthinking, and allowing things to play out the way they are meant to in love.
GEMINI
This year you are feeling in balance when it comes to love, Gemini. Relationships are important to you in life overall, as you are a relationship-oriented sign, but it can be difficult at times to keep the balance and perspective here. This year, with lucky Jupiter in your sign until June, you have the opportunity to be blessed with some fortunate circumstances personally and within romance.
You are feeling yourself this year, and this is attracting you success and new opportunities within love.
Uranus will also be in your sign this year from Jul. 7 until Nov. 7, and some surprises are in store for you. Pay attention to what happens in your love life during this period, as similar themes will be coming back around for you when Uranus officially enters its Gemini transit from 2026 - 2032. Overall, this year is about balancing what’s coming and going in love, and finding your peace within your inner confidence for it all.
CANCER
2025 for you, Cancer, is about stability in love. You are growing emotionally from the ground up, and are feeling a sense of support, confidence, romance, and receptivity in your love life this year. You are one of the lucky signs of 2025, and this is due to Jupiter, the planet of blessings, entering your sign from June 9, 2025, until June 30, 2026. While Jupiter is in your sign, your life expands and you are able to see the gifts of your world that may have been harder to come by previously.
This is a year of spending more time with your loved ones and feeling more heard and supported emotionally. Safety and security are especially important to you this year, and you are only entertaining the people who feel that way about you and provide that. Many Cancers will be expanding their families this year or developing a long-term relationship, and overall this is a year of feeling stronger when it comes to love.
LEO
When it comes to love this year for you, Leo, it’s about trusting your intuition and listening more to what your heart is telling you. There are not many major transits happening in Leo in 2025, which means there is a lot of room to grow, but you may be feeling a lack of support or encouragement to do so. A lot of Leos are taking a step back to look at where they are currently in love, and yearning for some change and a new direction here.
Neptune will be in your 9th house of adventure for most of this year, and you are being asked to get inspired and do things differently, but don’t take unnecessary risks in love that may not serve you in the long run.
It can be easy to get lost in the fantasy of love rather than the actual reality you’ll live in here, and taking more time to understand yourself, your relationships, and the dynamics in your love life will be necessary. Overall, your heart is healing this year and you are moving away from the past and creating your new future.
VIRGO
This year when it comes to love, you are going through changes that are aligning you closer to your goals and dreams here, Virgo. You are focused on making things work that you want to see bloom, and also letting go of putting effort into people that aren’t reciprocating the same energy. With the North Node entering your sister sign Pisces and the South Node moving into your sign from Jan. 11, 2025, until Jul. 26, 2026, you are doing a lot of letting go over the next year.
However, with the North Node being in your 7th house of love, new doors and gifts are also opening up for you and your partnerships. The more you can let go of perfection and overworking your mind and your heart, the more blessings you will experience when it comes to love this year. In 2025, you also have two Eclipses in your sign, and there are overall a lot of changes Virgos are moving through this year. Your main guidance for love is to stand by the things that serve your heart and release yourself from what burdens it.
LIBRA
Love is coming to fruition for you this year, Libra. You have been through a lot in your personal life these past few years, and walking into 2025, you are ready for some positive change. This is a year of feeling in balance with your personal goals and dreams, and what you are experiencing romantically and financially as well. Relationship dynamics are serving you and your sense of abundance, and many gifts are coming your way in love this year.
With Neptune, Chiron, and Saturn all being in your 7th house of love, your love life and partnerships are the main focus for you in 2025.
You are moving through changes, overcoming previous obstacles, and bringing back the dreamy energy here. With Chiron in the 7th, you are still doing some healing of the heart, but with Neptune now entering, it all feels a little more romantic and spiritual at the same time. This year is about believing in the impossible in love, taking care of yourself, and allowing someone else to take care of you as well.
SCORPIO
This year is all about opportunity when it comes to love, Scorpio. You have your eyes on the prize and are focused on what you want for yourself, but also how you want to show up for love as well. You have goals and intentions that you are setting for your love life this year, and a lot of them reflect the passion and strength you are feeling as you enter the year. Vesta is in your sign this year until September, and you have a spark within you that is a magnet for success and love. You are walking forward confidently and are feeling inspired, sexy, and magical this year.
This is a very sensual and powerful year for you, and this energy is being reflected in the relationship experiences you are having. Jupiter also enters your 9th house of adventure halfway through the year, and there is something special about the trips you are taking and the risks you are taking in love. Overall, this is a year of doing things your way and attracting love to you through your inner confidence and charisma.
SAGITTARIUS
This is a beautiful year of feeling balanced and abundant in love, Sagittarius. There is a lot of energy coming in and you are giving a lot of love as well. This sense of synergy you are feeling within your love life this year has a lot to do with Juno, the asteroid of soulmates, in your sign from Feb. 19 - Apr. 15. Your people are coming in and you have options this year, Sag.
This is a year of feeling loved for the inspiring, outgoing, and unique being you are, and meeting more people who match your energy.
Saturn also enters your 5th house of romance this year, and you are learning a lot through your experiences with others. You are learning how to be more confident in who you are and what you want for yourself and also recognizing the importance of making more time for fun and playful experiences. This is the year to see love as a more light-hearted experience and to not take yourself too seriously.
CAPRICORN
You are letting things come to you when it comes to love this year, Capricorn. You are feeling beautiful, capable, and worthy, and you are receiving the gifts that come from this sense of confidence and patience. This past year, you were setting a lot of new goals for yourself and your relationships, and in 2025, you are experiencing the results of these efforts.
Jupiter moves into your sister sign Cancer from June 9, 2025, until June 30, 2026, and enters your 7th house of love, partnerships, romance, marriage, and harmony. Your love life and experience of it all are expanding this year, and benevolent Jupiter is sending blessings to this area of your life. This is a year of things coming full circle for you in love, and you feel less confused about it all and more sure of yourself and what is becoming for you here.
AQUARIUS
Love is a highlight for you this year, Aquarius. You are coming together with another, and many Aquarius’ will be forming new relationships or growing within a strong relationship. You are experiencing the fruition of your dreams in love, and are also able to heal and let go of past emotional experiences that have been overwhelming for you in the past.
The North Node enters your 12th house of closure this year, and you are motivated towards change, cleaning house, and releasing the cobwebs of the past.
You are walking into new emotional experiences with less baggage and self-doubt, and are experiencing a fresh start in love. This is a year of asking for what you need emotionally and receiving it. Love is coming in for you in harmonious and magical ways, and you are rewriting your story in love in 2025.
PISCES
You are moving through a lot of changes when it comes to love in 2025, Pisces. This is a year of closure, healing, and giving yourself a fresh start, and the way you enter the year will be a lot different than the way you end it. The North Node of Destiny enters your sign this year, and the South Node of Karma enters your 7th house of love. So, a lot of your focus this year is on your personal goals and path, and there may be some neglect or lack of focus on your relationships.
This can create some discord with those close to you, and your guidance for this year is to try to balance the personal successes and wins you are experiencing, with the love changes that also need your attention right now. Know that what leaves your life this year is being replaced by something better, and also know that your healing doesn’t need to have a timeline and you can take as much time as you need to grow. Overall, you are turning a new page in love in 2025.
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Dating men of higher social status shortened my tolerance for a lot of things I was convinced were normal. I blamed the universe for attracting undesirable men when it was my fault for allowing undesirable behavior. An interesting dichotomy between those guys and sugar daddies was the treatment I accepted.
It was easier to put my foot down with men of opulence because their privilege meant there was no limit to meeting my desires. Plus, recognizing my own worth made them (the good ones) want to treat me with the same high regard.
I’ll admit you don’t NEED to be an SB to enhance your dating style, but that’s the path I journeyed. It taught me how to be gracefully tough on men based on the simple fact that I’m invaluable. I’ll never convince anyone to be an SB, but feel free to pick a few gems I learned that might take your 2025 dating style to the next level.
Don’t overdo it by showing gratitude.
Let’s stop praising men for the bare minimum.
Yes, it’s okay to make a man feel affirmed but don’t let those affirmations come off too intensely, especially for things that require minimal effort. Don’t tell him about your ex never opening the passenger door for you, don’t brag about him being "The One" because he texted to make sure you got home safely, and most definitely don’t offer up the cat just because he paid a $150 dinner bill (give it because you want to, not out of obligation).
To be honest, I barely even say thank you when a man finds me attractive. “You are so beautiful.” I would respond, “Aww, you’re so sweet.” When he holds the door open, I graze his arm and smile.
Showing too much excitement about the bare minimum strokes his ego and draws a ceiling, which he doesn’t feel he needs to surpass. It tells him you’re not used to regular treatment, so you’ll be grateful for anything. Why do more than necessary? I like my men reflecting at the end of our date, thinking, “What can I do to impress her?”
Don’t stop having manners, though. Just keep it simple and move on.
There’s no such thing as “dating for potential.”
Hold my hand with this one.
There comes a time when the word “potential” shouldn’t be a part of your dating vocabulary. It’s nothing more than the encouragement of false hope. He’s not flaky with time because his schedule is too busy between balancing family and work. It’s because you’re not important enough to prioritize making time for.
He’s not stingy on dates because he’s having a rough time handling all his financial responsibilities. It’s because he’d rather spend his money on things that don’t involve you.
Trust me when I say men don’t date with potential in mind. Many of them hold themselves in very high regard with an “I can do better” mindset, and so should you. There’s A LOT of weight in the saying, “If he wanted to he would.” So stay away from Mr. Shoulda Coulda Woulda because, at the end of the day, he didn’t.
*P.S. If he ever says he doesn’t deserve you, he’s not being sheepishly humble. Take his word for it and run.
Do NOT be afraid to say no.
How many times have you put yourself through something you didn’t want to do based on feeling obligated? You compromised yourself in order to please the person you’re dating because it seemed like the easier option. Let me just remind you of the old saying, “Nothing good in life comes easy.”
I like comparing men to children, not to demean them but to draw similarities. Children often like to push and see how much they can get away with until the parent says no. Once you allow them to get away with one thing, they’ll nudge the limits to see how often they can skate by.
Dating is just like this. Get comfortable giving rejection. It can be an uncomfortable concept for some, so consider saying no and following it with a light reason. For example, “Do you want to come over and watch Netflix?” “No, I don’t feel comfortable going to strangers’ houses.” If his response is anything but understanding with a Plan B, on to the next.
Those boundaries were created to protect you. Any man who respects you will respect them too.
Don’t lay all your cards on the table.
When a man asks, “So what exactly are you looking for?” The vaguest response comes to mind.
It’s a common mistake to think men (not all) ask questions for unselfish reasons. That one, especially, is basically like asking for cheat codes to a game. Describing your idea of a perfect man, dating intentions, etc. allows him to know who he needs to morph himself into in order to get what he wants. Enter love bombing, physical intimacy, delusions of potential, then ghosting.
I’ve said the below on a few first dates and wasn’t surprised by how quickly the guys weeded themselves out.
"I’ve been having fun figuring things out as time goes on. There are times when I love going out to meet new people and times when I love cuddling up on the couch. It depends on how I’m feeling.”
I just said a whole lotta nothing, leaving it up to him to decipher. It’s open-ended, which forces him to show his intentions and let things play out naturally with as little manipulation as possible.
The first date defines how he views you.
This is where all those conversations leading up to this day come into play.
The perfect first date doesn’t only have to consist of 5-star dining and lavish wine collections. Those are merely perks. The perfect first date is valued based on how much effort he put in to show he’s been listening.
You’ve been dropping subtle hints that tulips are your favorite flowers. Did he show up empty-handed? You shared your discomfort with driving to far places at night. Did he book a 9 p.m. reservation somewhere 30 minutes away? You told him about your new venture into veganism. Did he take you to his favorite steakhouse?
These aren’t small things and they’re DEFINITELY not things for you to take on as a challenge. These could be easy signs of a life full of selfishness and laziness if shrugged off by the belief you should be satisfied with him making time for you.
Will taking my advice find you a husband faster? Who knows? But, ultimately, dating isn’t supposed to be an earnest search for a man. It should be a time of personal growth while sorting through experiences to find a partner who will appreciate the valuable woman you are.
Having high standards for yourself doesn’t make you difficult or unreasonable. To the right man, it definitely won’t make you undateable. Like I said before, nothing good in life comes easy.
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