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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The show is exactly what you’d expect when you put a media pro and a sports legend together—a mix of real talk, unfiltered moments, and guest interviews that feel like family kickbacks. As the duo wraps up their first season, Rocsi sat down with xoNecole to talk about teaming up with Deion, the wildest moments on set, and why streaming platforms like Tubi are shaking up the talk show world.
Scoring the Gig & Clicking Instantly with Deion
Photo by Paras Griffin/Getty Images for Essence
Deion Sanders had been dreaming of hosting a talk show, and when Tubi came calling, it was only right he made it happen. But before he found the perfect co-host, he held auditions with different women for the spot.
Lucky for us, Rocsi threw her hat in the ring, and the connection was instant. “You just can’t buy chemistry like we have,” she tells us. “We are legit like big brother, little sister—fighting, cracking jokes, telling each other off. When you watch the show, it’s like watching family.”
Mixing News, Culture & Sports—Minus the Snooze
With We Got Time Today, Rocsi and Deion cover everything from the latest headlines to celebrity tea and, of course, sports. But instead of stiff, rehearsed segments, the show keeps it loose and unpredictable.
“We’re not breaking the mold—it’s not rocket science,” Rocsi jokes. “We just bring our own flair, our authenticity, and our personalities to it. Deion has firsthand experience in sports, so when we talk about athletes, he brings a different perspective.”
And the best part? Unlike traditional talk shows that rush through quick interviews, We Got Time Today actually takes its time. “A lot of shows might give you one or two segments with a guest,” Rocsi says. “With us, we actually sit down and have real-life conversations.”
Her Top Guests (So Far!)
From music icons to relationship experts, the show has already had some unforgettable guests—but a few stand out for Rocsi.
“Ice Cube was our first guest, and he’s just legendary,” she says. “Kirk Franklin had us cracking up when he broke into a full choir freestyle for our Christmas special. And anytime we get Dr. Bryant on to put Deion in the hot seat? That’s my favorite!”
And of course, there’s Nick Cannon. “Nick was amazing,” she adds. “You already know he’s going to bring the energy and say something wild.”
Tag-Team Hosting with Deion: The Inside Scoop
While Deion Sanders is best known for his football greatness, Rocsi says he’s also one of the funniest people she’s ever worked with.
“He’s goofy—like, really goofy,” she laughs. “A lot of people didn’t know that side of him, but now they do. He can crack a joke, and if you’re too sensitive, good luck, because he will go in. But the best part? I throw it right back at him! Sometimes we just look at each other like, ‘Okay, that was a good one.’”
But beyond the laughs, she admires his insane work ethic. “Watching him juggle everything he does is just super admirable,” she says.
How "We Got Time Today" Brings That "106 & Park" Energy
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For those wondering if We Got Time Today feels like 106 & Park 2.0, Rocsi says it’s a whole different vibe.
“The only comparison I’d make is that it’s a destination for the culture,” she explains. “It’s a platform where our people can come, feel safe, and have real conversations. But other than that, this is Deion’s world—we’re just having fun in it.”
The Talk Show Shake-Up: Why This Show Hits Different
Unlike traditional networks, We Got Time Today lives exclusively on Tubi, proving that streaming platforms are changing how we watch talk shows.
“Tubi is giving more people opportunities and making content more accessible,” Rocsi says. “Deion is a huge Tubi fan—he literally loves Black cinema—so it just made sense for him. And honestly? He’s got me watching it too!”
Real Ones Only: Women Holding Each Other Down
Rocsi credits her best friend, Chantelle, for always keeping her grounded. “She kept pouring into me, reminding me of who I am,” she shares. Even Deion Sanders makes sure to give her flowers, often calling her “the hostess with the most.”
In the industry, she’s built lasting bonds with women like Julissa Bermundez, Angie Martinez, and Angela Yee. “Julissa and I still kick it—her house is basically Sephora, so I just shop there,” she jokes. She also cherishes her friendships with Melyssa Ford and Robin Roberts, who have offered unwavering support. “Robin has always been there for me,” Rocsi says, reflecting on the wisdom she’s gained from the legendary journalist.
With the show’s first season wrapping up, Rocsi is grateful for the experience and excited for what’s next. “We’re having a good time, and the audience can feel that,” she says.
And if you haven’t tuned in yet? Well, Rocsi and Deion got time—so you might as well make some too.
Catch We Got Time Today now streaming on Tubi!
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10 of those things are listed down below. And although each of them can benefit you, health-wise, in a myriad of different ways, today we’re going to solely focus on how all of them can be relied upon to get your skin into the kind of condition that you’ve always wanted it to be.
1. Coconut Water Serum
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If you want to get a bit more potassium or antioxidants in your system, coconut water can make that happen. Since potassium is something that helps to keep hydration in your skin and antioxidants are awesome at slowing down the signs of aging, these are already two wonderful reasons to consume coconut water consistently. Aside from that, coconut water is also good for your skin because it contains antimicrobial properties that help to prevent breakouts, plus, it is a solid source of vitamin C which helps to boost collagen production so that your skin has more elasticity.
Wanna hydrate your skin from the outside in? Check out this Coconut Water and Jojoba Oil recipehere.
2. Papaya Masks
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A fruit that also contains a lot of vitamin C and antioxidants is papaya. It also has an impressive amount of Vitamin A in it which is good to know becausevitamin A is a nutrient that can help reduce skin sagging, decrease hyperpigmentation, and even soothe the symptoms that are associated with psoriasis. Since papaya features properties that also fight inflammation, it can help to speed up the healing process of pimples and, if you’re looking forfree radicals to stay far away from your skin, papaya can do that for you as well.
Looking for a gentle way to exfoliate your skin while soothing any skin irritation that you may have at the same time? Check out this DIY Papaya Maskhere.
3. Bone Broth
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I am someone who enjoys cooking withbone broth. If you’ve always wondered exactly what it is, bone broth is simply the nutrients that come from animal bones after they’ve been soaking in water for a long period of time.Since bone broth is packed with everything from protein and calcium to magnesium and amino acids, it’s definitely something that can give your skin a boost of health from the inside out. Specifically, the amino acids in bone broth help to reduce inflammation and help you get a good night’s rest (which is paramount as far as achieving glowing skin is concerned).
Also,the collagen that’s in bone broth can help to make your skin firmer and more youthful-looking. So, if you want to proactively help out your skin, cook with bone broth more often. Within a matter of weeks, you should notice a difference.
4. Black Cumin Seed Oil Cleanser
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I ain’t got not one lie to tell you — when it comes to something that is holistically beneficial for your health, black cumin seed oil is that one. So much, in fact, that there are several articles out in cyberspace (like this onehere) that list over 100 ways that it can do wonders for your overall health and well-being. Your skin will adore this particular oil becauseit contains properties that fight acne, treat psoriasis and eczema, andhelp to dissolve warts. Also, this oil contains antibacterial and antiviral properties that help to keep your skin healthy, in general.
If you’re looking for an all-natural way to deeply cleanse your skin, black cumin seed oil can certainly be of great assistance. You can read more about why and how by goinghere.
5. Watermelon Skin Toner
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On the palate tip, few things make me happier than cubes of watermelon (when it’s in season, which is typicallybetween May and September). Since it consists of92 percent water, you know that watermelon is going to hydrate your skin — plus, the vitamin C that’s in it will do a good job of increasing your skin’s collagen production. Some other great things about watermelon (as far as your skin is concerned) is ithelps to reduce inflammation and oxidative stress and it can evenhelp to even out your skin tone.
A super refreshing way to tone and tighten your skin is to use a toner that has watermelon in it. A quick and easy recipe that will help you to do just that is locatedhere.
6. Hemp Milk Soap
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At the end of the day, hemp milk is a milk alternative that is made by mixing water and seeds from the Cannabis sativa plant (yes, the plant that makes weed) together. Since there are a lot of fatty acids in hemp milk, that automatically makes it “skin worthy” because fatty acids help to hydrate your skin, improve the texture of your skin, and reverse some of the environmental damage that your skin may be experiencing. Since there are also vitamins A, D, and E in hemp milk, that makes it beneficial for your skin as well because vitamin A can help to unclog your pores, vitamin D can help to cultivate new skin cells, and vitamin E can help to smooth out the appearance of fine lines and wrinkles.
If you’re looking for a way to soothe your entire body with hemp milk, there’s a cool (albeit ingredient-rich) recipe for how to make hemp milk soaphere.
7. Tomato Paste Mask
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It’s not that I don’t like tomatoes, it’s just that…if I go months without eating one, I don’t really notice. I wish that wasn’t the case too becausetomatoes are a good source of fiber, folate, Vitamin C, beta-carotene, and potassium.Your skin needs beta-carotene because it’s an antioxidant that helps to protect it from UV damage and it reduces the appearance of fine lines and wrinkles that you might have. Some other benefits that come withusing tomatoes for your skin are they reduce skin inflammation, boost collagen production, help to prevent cellular damage and they work well as a skin exfoliant.
So long as your skin isn’t super sensitive (because there is a fair amount of acid that’s in this particular fruit), it will be so happy that you’ve given it a face mask that has tomatoes as one of its main ingredients. StyleCraze has many for you to choose from. Gohere to check ‘em all out.
8. Fig Face Polish
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If you’ve always wondered whatthe difference is between a fig and a date, let’s get free today. Although they both are fruits, figs contain more calcium, aren’t as sweet or sticky and they also have fewer wrinkles than dates do. On the skin health tip, figs contain fiber which helps you to stay regular which can help to detox your system and prevent breakouts.Figs also contain nutrients that can help to speed up the healing process of symptoms that are associated with dermatitis and eczema.
If you’re looking for something that will deeply hydrate and moisturize your skin, figs can do that. Figs also have a pretty good reputation when it comes to removing dead skin cells so that your skin’s texture will be soft and smooth; this is partly thanks to the antioxidants that are in them.
Ready for your skin to have a brilliant glow? Check out this fig face polish recipehere.
9. Aloe Vera and Honey Facials
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There was actually a season in my life when I used todrink Aloe vera juice. Although I preferred to mix it with juice, I must admit that I could tell that it was good for me when it came tomy digestive system. I’m pretty sure that my skin enjoyed it as well, seeing that Aloe vera, internally, also helps to hydrate skin and keep it well-moisturized. If you actually use the gel on your skin,it can help to heal inflammatory acne, speed up the healing process of eczema and psoriasis symptoms and it can even assist withminimizing the appearance of pores.
As far as honey and your skin go, it’s dope because the properties in it will help to treat issues like acne, eczema, and psoriasis, it can soften the appearance of acne scars and it can even brighten your complexion over time.
If you’re someone who is all about DIY facials, this DIY Aloe & Honey Face Mask (here) will absolutely get you right.
10. Zinc Gel for Glass Skin
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A mineral that your skin definitely needs you to have in your system on a consistent basis is zinc. Studies have proven that zinc can do everything for your skin fromhelping to prevent and heal acne and providing it with protection from the sun tosoothing the symptoms that are associated with eczema and rosacea andhelping to repair DNA damage that could lead to signs of aging. Zinc-enriched foods that can help you to receive these perks internally includelamb, lentils,pecans, shiitake mushrooms, and fortified cereals.
Something else that is high in zinc — chia seeds. That said, if you like the look thatglass skin provides, you can actually make a homemade gel that can help you achieve that look. The instructions that will help you to do so are locatedhere.
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All of these are edible ways to achieve beautiful skin, whether you eat them or apply them.
Give them a shot. They’re delicious (inside) and easy (outside) ways to achieve your skin goals without any of the sometimes expensive, chemical-filled drama that comes with a lot of these commercial brands out here. And that’s just the truth.
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