12 credits · 12 cards · $2,475 a year at face value
General travel credits: every card that has one.
The broadest credits: any travel-coded charge, or any booking through the issuer’s portal for hotels, flights or cars. These are the credits most cardholders reach in full, and the portal versions are the ones to spend on flights or cars if you hold hotel status.
Every card with one, sorted by face value.
| Card | Credit | Per year | Paid out as | Flags |
|---|---|---|---|---|
| U.S. Bank Altitude Reserve$400 annual fee | $325 Travel Center Credit MAJOR NERF effective 2025-12-15: previously auto-applied to any travel AND dining purchase; now only purchases made through the U.S. Bank Travel Center qualify. The portal is a commodity merchant-of-record OTA, so the hotel elite-status trap applies to redeeming this credit on hotel stays. Card itself is CLOSED to new applicants (since 2024-11-11) but existing holders keep and renew it; the audit question is keep vs product-change vs cancel. |
$325 | $325 a year, resets on your card anniversary | portal-only |
| Chase Sapphire Reserve$795 annual fee | $300 Annual Travel Credit Applies automatically to any travel-coded charge (airlines, hotels, transit, tolls, parking). No portal requirement. Resets on the cardmember anniversary year, not the calendar year: a different clock than every other CSR credit. |
$300 | $300 a year, resets on your card anniversary | — |
| Capital One Venture X$395 annual fee | Capital One Travel Credit Portal-only (powered by Hopper); applied as a checkout discount, splittable across bookings; unused balance expires on the account ANNIVERSARY, not Jan 1. |
$300 | $300 a year, resets on your card anniversary | portal-only |
| Capital One Venture X Business$395 annual fee | Capital One Business Travel Credit Portal-only, applied automatically at checkout on flights, hotels, and rental cars; splittable across bookings; unused balance expires on the next account anniversary. Same hotel status trap as the personal Venture X credit: burn it on flights or rental cars if the user holds hotel elite status. |
$300 | $300 a year, resets on your card anniversary | portal-only |
| Chase J.P. Morgan Reserve$795 annual fee | $300 Annual Travel Credit Applies automatically to any travel-coded charge (airlines, hotels, transit, tolls, parking). No portal requirement. Resets on the cardmember anniversary year, not the calendar year: a different clock than every other CSR credit. |
$300 | $300 a year, resets on your card anniversary | unverified |
| Chase Sapphire Reserve for Business$795 annual fee | $300 Annual Travel Credit "Up to $300 in statement credits each anniversary year" on travel-category purchases; automatic. |
$300 | $300 a year, resets on your card anniversary | — |
| Citi Prestige$495 annual fee | $250 Annual Travel Credit "Statement credits of up to $250 per calendar year for travel purchases made by the primary cardmember or Authorized Users"; automatic, no enrollment. |
$250 | $250 a year, resets on the calendar | — |
| Citi / AAdvantage Executive$695 annual fee | Avis / Budget Rental Credit Up to $120/calendar year on eligible PREPAID Avis or Budget rentals (retained from the pre-refresh card). Merchant string "Budget Rent A Car" used instead of bare "Budget" to avoid matching unrelated merchants. |
$120 | $120 a year, resets on the calendar | — |
| Chase United Club$695 annual fee | Avis / Budget Car Rental Credit $50 in United TravelBank cash for each of the first and second Avis or Budget bookings through cars.united.com. Paid in TravelBank cash: only worth face value if the user flies United. Card also allows enrollment in Avis President’s Club (not valued). |
$100 | $100 a year in 2 uses of $50, resets on your card anniversary | — |
| Chase United Quest$350 annual fee | Avis / Budget Car Rental Credit $40 in United TravelBank cash for each of the first and second Avis or Budget bookings through cars.united.com. Paid in TravelBank cash: only worth face value if the user flies United. |
$80 | $80 a year in 2 uses of $40, resets on your card anniversary | — |
| Chase United Explorer$150 annual fee | Avis / Budget Car Rental Credit $25 in United TravelBank cash for each of the first and second Avis or Budget rentals booked through cars.united.com and paid with the card. Paid in TravelBank cash: only worth face value if the user flies United. |
$50 | $50 a year in 2 uses of $25, resets on your card anniversary | — |
| Capital One Venture Business$95 annual fee | $50 Capital One Business Travel Credit "Receive an annual $50 travel credit for bookings through Capital One Business Travel." |
$50 | $50 a year, resets on your card anniversary | portal-only |