Credits For Premium Cards
Here is a guide how to use your credits from some of the best cards out there in the best way possible
American Express
American Express® Gold Card
Rewards: • Earn 4X Membership Rewards® points per dollar spent at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. • Earn 4X Membership Rewards® points per dollar spent at U.S. supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. • Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. • Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com • Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Annual Fee: $325
Welcome Offer: • Earn 60,000 Membership Rewards® Points after spending $6,000 on eligible purchases in your first 6 months.
Type: Personal Card
• Get up to $120 in Uber Cash annually by adding your Gold Card to your Uber account and receiving $10 in Uber Cash each month for orders and rides in the U.S., plus earn 4X points for Uber Eats purchases at restaurants or U.S. supermarkets after using Uber Cash (point caps and terms apply).
• Get up to $120 Dining Credit annually by earning $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).
• Get up to $100 Resy Credit annually, receiving up to $50 in statement credits semi-annually when you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases (enrollment required).
• Get up to $84 Dunkin’ Credit annually by earning up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin’ locations.
• Access The Hotel Collection and receive a $100 credit toward eligible charges when booking two nights or more through AmexTravel.com (eligible charges vary by property).
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To ApplyChase
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To ApplyCiti
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To ApplyCapital One
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply
Aeroplan® Credit Card
Why We Love It: This card comes with amazing benefits, earning 3 points per dollar on groceries worldwide and travel purchases, plus perks like lounge access and flight upgrades. The Pay Yourself Back option is unique, letting you redeem points at 1.25% value, meaning 10,000 points cover $125 in travel expenses—unlike any other card. Additionally, you can transfer Chase points to Aeroplan to take advantage of this benefit.
Rewards: • Earn 3X points for every dollar spent at grocery stores, restaurants (including takeout), and Air Canada directly. • 1X points for each dollar spent on all other purchases. • 500 bonus points for every $2,000 spent in a calendar month, with a maximum of 1,500 points per month.
Annual Fee: $95
Welcome Offer: Earn up to 70,000 bonus points. Earn 60K bonus points after you spend $3,000 on purchases in the first 3 months your account is open. Earn 10K bonus points after your annual fee renewal payment posts and is paid in full. 500 bonus points for every $2,000 you spend in a calendar month - up to 1,500 points per month.
Type: Personal Card
Learn More How To Apply