16 credits · 12 cards · $2,640 a year at face value
Airline and flight credits: every card that has one.
Flight credits pay against airfare or an airline’s own wallet, so they are reachable for anyone who flies that airline at all. The fine print is the clock: half-year deposits that expire, calendar-year windows, and credits that require the ticket to be bought with the card.
Every card with one, sorted by face value.
| Card | Credit | Per year | Paid out as | Flags |
|---|---|---|---|---|
| Citi / AAdvantage Executive$695 annual fee | American Airlines Vacations Credit New with the 2026-08-23 refresh: up to $250 back Jan–Jun and $250 Jul–Dec on eligible AA Vacations purchases. Requires a package of two or more travel components (flight + hotel/car); standalone bookings do not qualify, which makes this a packaged-travel behavior gate. |
$500 | $250 twice a year; unused amounts are lost | unverified |
| Robinhood Platinum Card$695 annual fee | Flight Credit "$150 every 6 months" as a statement credit on eligible flight purchases, through the Robinhood travel portal or directly with airlines; third-party aggregators "may not qualify". |
$300 | $150 twice a year; unused amounts are lost | — |
| Hilton Honors American Express Aspire Card$550 annual fee | Quarterly Flight Credit Up to $50 in statement credits per calendar quarter on flight purchases made directly with an airline, through AmexTravel.com, or the Amex Travel app. Unlike legacy Amex airline-fee credits, no airline pre-selection and the airfare itself qualifies; any direct airline charge triggers it. OTA (Expedia/Priceline) bookings do not qualify. Restructured from the old $250 annual airline-incidental credit in 2024. |
$200 | $50 a quarter; unused amounts are lost | — |
| Chase United Quest$350 annual fee | $200 United TravelBank Credit $200 in United TravelBank cash deposited after account opening and each anniversary. Automatic deposit, but spendable only on United flights; realized value is $0 for someone who stops flying United, and TravelBank cash expires after prolonged account inactivity. |
$200 | $200 a year, resets on your card anniversary | — |
| Chase United Quest$350 annual fee | Free First & Second Checked Bags Fee waiver, not a statement credit: first and second standard checked bags free (up to $50 first / $60 second, each way) for the cardmember and one companion on United-operated flights paid with the card. Valued conservatively assuming ~2 round trips with a first bag and occasional second bag; $0 for carry-on-only flyers. |
$200 | $200 a year, resets on your card anniversary | unverified |
| Chase United Club$695 annual fee | Free First & Second Checked Bags Fee waiver, not a statement credit: first and second standard checked bags free for the cardmember and one companion on United-operated flights paid with the card (Chase advertises up to $440 saved per round trip for two). Valued conservatively at ~2 round trips with checked bags; $0 for carry-on-only flyers. |
$200 | $200 a year, resets on your card anniversary | unverified |
| Chase United Club$695 annual fee | JSX Flight Credit Up to $200 back per anniversary year on flights booked directly with JSX. |
$200 | $200 a year, resets on your card anniversary | — |
| Chase United Quest$350 annual fee | JSX Flight Credit Up to $150 back per anniversary year on flights booked directly with JSX. |
$150 | $150 a year, resets on your card anniversary | — |
| Chase United Explorer$150 annual fee | Free First Checked Bag A fee waiver, not a statement credit: first standard checked bag free for the cardmember and one companion on the same reservation (United-operated flights, fare paid with the card). Valued conservatively at ~2 round trips x $35 prepaid bag fee x 2 ways for the cardmember; companion savings are upside. Worth $0 to a carry-on-only flyer. |
$140 | $140 a year, resets on your card anniversary | unverified |
| Chase United Explorer$150 annual fee | JSX Flight Credit Statement credits on flights booked directly with JSX (semi-private carrier), up to $100 per anniversary year. |
$100 | $100 a year, resets on your card anniversary | — |
| Bank of America Atmos Rewards Ascent Visa Signature$95 annual fee | $100 off Alaska Lounge+ Membership $100 discount on an annual Alaska Lounge+ membership purchased with the card. |
$100 | $100 a year, resets on your card anniversary | unverified |
| Barclays JetBlue Plus Card$99 annual fee | $100 JetBlue Vacations Credit "Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more … Limit one statement credit per year." |
$100 | $100 a year, resets on your card anniversary | — |
| Barclays JetBlue Business Card$99 annual fee | $100 JetBlue Vacations Credit "Receive a $100 statement credit after you purchase a JetBlue Vacations package of $100 or more … Limit one statement credit per year." |
$100 | $100 a year, resets on your card anniversary | — |
| Chase IHG One Rewards Premier Business$99 annual fee | United TravelBank Credit Two $25 TravelBank deposits per calendar year (~Jan 1 and ~Jul 1) after a one-time registration linking the card to a MileagePlus account. Each half-year deposit expires shortly after the half ends (Jul 15 / Jan 15): use-it-or-lose-it, and only spendable on United airfare, so reachability requires actually flying United. |
$50 | $25 twice a year; unused amounts are lost | — |
| Chase IHG One Rewards Premier$99 annual fee | United TravelBank Credit Two $25 TravelBank deposits per calendar year (~Jan and ~Jul) after a one-time registration linking the card to a MileagePlus account. Each deposit expires shortly after its half-year: use-it-or-lose-it, and only spendable on United airfare, so reachability requires flying United. |
$50 | $25 twice a year; unused amounts are lost | — |
| Wells Fargo Autograph Journey$95 annual fee | $50 Annual Airline Credit One $50 statement credit per credit year, triggered by the first airline purchase of $50+ charged directly with an airline (posts within 60 days). Credit year runs from the month after the annual-fee assessment date. Trivially reachable for anyone who flies at all. |
$50 | $50 a year, resets on your card anniversary | — |