
So You Have A Fancy Travel Credit Card. Are You Using All Your Benefits To Your Advantage?

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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Bianca Lambert is a proud Atlanta native soaking up the Los Angeles sun. She is the founder of Mae B: a stationery company for women of color and a digital content creator on a mission to elevate the voices of women of color everywhere.
'He Said, She Said': Love Stories Put To The Test At A Weekend For Love
At the A Weekend For Love retreat, we sat down with four couples to explore their love stories in a playful but revealing way with #HeSaidSheSaid. From first encounters to life-changing moments, we tested their memories to see if their versions of events aligned—because, as they say, every story has three sides: his, hers, and the truth.
Do these couples remember their love stories the same way? Press play to find out.
Episode 1: Indira & Desmond – Love Across the Miles
They say distance makes the heart grow fonder, but for Indira & Desmond, love made it stronger. Every mile apart deepened their bond, reinforcing the unshakable foundation of their relationship. From their first "I love you" to the moment they knew they had found home in each other, their journey is a beautiful testament to the endurance of true love.
Episode 2: Jay & Tia – A Love Story Straight Out of a Rom-Com
If Hollywood is looking for its next Black love story, they need to take notes from Jay & Tia. Their journey—from an awkward first date to navigating careers, parenthood, and personal growth—proves that love is not just about romance but also resilience. Their story is full of laughter, challenges, and, most importantly, a love that stands the test of time.
Episode 3: Larencia & Mykel – Through the Highs and Lows
A date night with police helicopters overhead? Now that’s a story! Larencia & Mykel have faced unexpected surprises, major life changes, and 14 years of choosing each other every single day. But after all this time, do they actually remember things the same way? Their episode is sure to bring some eye-opening revelations and a lot of laughs.
Episode 4: Soy & Osei – A Love Aligned in Purpose
From a chance meeting at the front door to 15 years of unwavering love, faith, and growth, Soy & Osei prove that when two souls are aligned in love and purpose, nothing can shake their foundation. Their journey is a powerful reminder that true love is built on mutual support, shared values, and a deep connection that only strengthens with time.
Each of these couples has a unique and inspiring story to tell, but do their memories match up? Watch #HeSaidSheSaid to find out!
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Celebrity Engagements Of 2025: All The Stars Who Locked It Down This Year (So Far!)
February might be in the rearview, but love is most definitely still in the air as the gworls are getting wifed up left and right. We love love over here at xoNecole, and 2025 is already shaping up to be a year full of celebrity engagements. Zendaya had the innanet in a chokehold when she kicked off award season flashing a stunning rock on her ring finger, and more recently, Normani announced her engagement to long-time partner DK Metcalf.
As more of our faves take that next step to saying "I do," keep reading for all the couples who got engaged in 2025. Stay tuned!
Every Celebrity Engagement of 2025 (So Far)
Normani and DK Metcalf
“Hold that rock up, baby!” That’s how DK Metcalf casually dropped the news of his engagement to singer Normani while speaking during a press conference that followed the announcement of his trade from the Seattle Seahawks to the Pittsburgh Steelers in a five-year, $150 million contract. And just like that, we all wanted in the group chat.
But before this love story led to a ring, it had to have its start. And for that, we can thank Ciara and Russell Wilson. The couple's mutual friends played matchmakers for Normani, 28, and DK, 27, bringing them together at a party for Ciara’s rum brand after DK had already manifested their love years earlier. “Me and Ciara are really close, and Russell and DK were teammates on the Seattle Seahawks,” Normani shared with Vogue.
“About two years prior to us even meeting, they were playing music videos in the locker room, and ‘Motivation’ ended up popping up on the screen. DK said, ‘The moment I saw you come up on that screen, I said, ‘That's going to be my wife.’’” At the time, Normani was in a relationship, but two years later, Ciara made sure the stars aligned. “I ended up going [to the party], and lo and behold, he ended up being there, and the rest is history.”
As for the actual proposal, DK had been planning it for over a year—initially hoping to pop the question during a family trip to Turks & Caicos. But with Normani focused on her album at the time, he decided to wait for the perfect moment. That moment came on March 12 during another family trip, this time to Houston, where he surprised her with an intimate proposal surrounded by their loved ones. To say that Normani was shocked is an understatement. “I was like, ‘Baby, you knew for over a year?’” she recalled to the publication. “To get anything past me for over a year is crazy!”
Swooning!
Winnie Harlow and Kyle Kuzma
There might be something in the water in Turks & Caicos because while DK Metcalf had dreams of proposing to Normani there, Kyle Kuzma made it happen for Winnie Harlow this past Valentine's Day. The NBA star popped the question to his longtime love in the same place they took their first baecation back in 2022, a trip that, according to Kyle, cemented his plan to propose to the fashion model one day.
The Milwaukee Bucks player went all out for the occasion, chartering a private jet decked out with roses, balloons, chocolates, and champagne, all of which Winnie assumed was just an elaborate Valentine’s Day surprise. But the real moment came when Kyle, 29, read Winnie, 30, a heartfelt poem he had written, which ended with the words, “Will you be my wife?” The 8.5-carat oval-cut engagement ring that accompanied it sealed the deal.
The couple celebrated with a dreamy beachfront dinner, fireworks lighting up the sky as Winnie held up her ring in disbelief. She later shared the news with her fans on Instagram in a post, writing “To eternity” alongside a carousel of photos capturing the magical moment.
Amber "AD" Smith and Ollie Sutherland
If you know the Love Is Blind lore, this engagement announcement is going to hit a little different. After all, AD Smith and Ollie Sutherland both made it to the altar in their respective seasons, but not with each other. Now, in a full-circle plot twist for the ages, the two reality stars found love off-screen, and they just made it official.
During the recent Love Is Blind reunion special, AD and Ollie dropped the bombshell news that they’re engaged! The couple met while filming the upcoming season of Netflix's Perfect Match, but while we don’t know all the ins and outs of how their love story began (yet!), we do know where they are now. The pair opened up more about their engagement on AD’s podcast, What’s the Reality?, while Ollie took to Instagram to hard launch their love with a collab post captioned, “THIS is how you do a hard launch! 💍 #TheSutherlands.”
After everything they’ve been through in their respective Love Is Blind journeys, AD and Ollie are proof that sometimes, love finds you when and where you least expect it. And we’re always here for a second chance at true love.
Paige Hurd and Royce O' Neal
Paige Hurd is engaged, y'all! The actress, known most recently for her work in Power Book II: Ghost, and Phoenix Suns forward Royce O’Neale are officially tying the knot following a romantic proposal in Cabo San Lucas, Mexico.
Their love story feels like something straight out of a rom-com. Paige, 32, had just sworn off dating, fully focused on her faith and personal growth—then, boom, in walks Royce, 31, to change everything. “Nice as can be,” she recalled in a PEOPLE exclusive, though she initially only saw him as a friend. But Royce? He had a very different vision of who he saw her as in his life. “She was my lifelong crush,” he admitted. “A couple years ago, I told my friends, ‘One day I’ll meet her, date her, and marry her.’ Of course, they thought I was joking, but I was serious.”
Fast forward to February 13, and that longtime manifestation became reality. During an intimate oceanfront dinner at the Viceroy Riviera Maya, surrounded by candlelight and rose petals, Paige was served a slice of red velvet cake with “Will you marry me?” written on the plate. And their journey to a lifetime is only beginning.
From childhood crush to future husband, Royce spoke this love into existence. And with Paige calling him “the most thoughtful, down-to-earth, gentle man I’ve ever known,” it’s clear this is a love story written in the stars.
Jilly Anais and DeShaun Watson
Jilly Anais and her longtime love DeShaun Watson are officially engaged! The Cleveland Browns quarterback popped the question to the singer/content creator with the help of a gorgeous beachside backdrop. On March 16, the couple announced the news in a collab Instagram post, where Jilly beamed ear to ear while showing off her massive diamond ring. “Mrs. Watson loading…” she captioned the post, sending friends, fans, and NFL teammates into a frenzy.
Their love story first began in 2019 when Watson slid into Jilly’s IG DMs, and they’ve been inseparable ever since. From celebrating career wins to house-hunting together on Selling Sunset, these two have been building a life together—and now, wedding bells are otw.
Kyle Massey and Hana Giraldo
From Disney Channel star to fiancé, Kyle Massey is officially an engaged man! The That’s So Raven and Cory in the House alum popped the question to his longtime love, Hana Giraldo, daughter of rock legend Pat Benatar and Neil Giraldo.
Hana announced the big news on Instagram, writing, “IM ENGAGED 💍 to my best friend, my soulmate, and my forever @kylemassey. A lifetime of love, laughter, and adventure begins now! I love you so much Xo.” The couple, who have been together for years, couldn’t be happier to step into this next chapter together. “I'm marrying my best friend, this is a dream come true,” Hana shared.
DeVon Franklin and Maria Castillo
DeVon Franklin and celebrity trainer Maria Castillo are engaged! The preacher and producer proposed during a romantic getaway in Maui on December 27, 2024, but the couple kept their engagement under wraps until February 2025 (which is why they are on this list), when they shared the news exclusively with PEOPLE.
DeVon, 46, gave them the deets of how he pulled off the ultimate surprise. As they posed on a grassy cliff for what she thought was a regular photo shoot, DeVon turned to Maria, 29, and told his bride-to-be, “You know, this whole time has really been an engagement photo shoot.” Shocked, Maria dropped to the ground before DeVon got down on one knee to pop the big question. “Finding Maria has been one of God’s greatest blessings in my life, so I wanted the proposal to be as special as our love,” DeVon told PEOPLE. “It was truly a magical moment, and I can’t wait to spend a magical life with Maria!”
The couple, who were introduced by a mutual friend last year, have been inseparable ever since. “To know I’ll be spending the rest of my life with this incredible man is a dream come true,” Maria shared with the outlet.
Zendaya and Tom Holland
This wouldn’t be a list of celebrity engagements of 2025 without the engagement announcement that kicked it all off: Zendaya and Tom Holland! The pair sparked loads of speculation after Zendaya blinded us with a stunning diamond ring at the Golden Globes in January 2025. And while the notoriously private couple has yet to publicly address the news, multiple reports have confirmed that they are, in fact, officially engaged.
Adding to the confirmation, PEOPLE recently reported that Tom’s Spider-Man co-star Jacob Batalon—who also got engaged this year—set the record straight about their proposal timelines. According to the publication, sources confirmed that Tom and Zendaya were engaged as of January 6, but Jacob argues that he had his proposal plans set in motion before Tom. “No, we did not know about each other's plans like that,” he told Metro Entertainment. “But I will say I thought about it first.”
Zendaya and Tom have always kept their love story low-key, so an official announcement might never come. But between the ring, the reports, and their inner circle spilling deets, it looks like they are locking it down on their own terms.
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Featured image by Normani/Instagram