
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.
On her debut album,CTRL,SZA crooned about her desire to be a “Normal Girl.” Now, nearly eight years since its release, her Not Beauty line represents her commitment to existing outside of traditional beauty norms.
The singer whose real name is Solána Imani Rowe first teased the idea of a lip gloss line during Super Bowl LIX in February, noting that the release would be happening “very shortly.” Not Beauty debuted simultaneously with the Grand National Tour, which she co-headlines with Kendrick Lamar, in Minneapolis on April 19.
Each Not Beauty pop-up would offer fans the opportunity to purchase the glosses, learn more about the brand, and have the opportunity to meet the superstar in the flesh regardless of their ticket status.
During the Los Angeles tour stop, which spanned three dates on May 21, May 23, with the finale on May 24, xoNecole had the opportunity to test out the glosses included in this soft launch, as SZA revealed in a statement that "this is just the start of other lip products, including plans to launch stains, liners, and creams all inspired by SZA's “infamous layered lip combinations.”
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So, what is included in the first Not Beauty launch?
The current Not Beauty products available are lip glosses that come in three shades: In the Flesh, Strawberry Jelly, and Quartz.
During my visit to the first LA Not Beauty pop-up activation, I not only had the chance to purchase all three glosses but also took a peek inside the blow-up log tent. Inside, fans got to experience SZA’s love for nature and her fascination with bugs, which are prominently featured in her performances for this tour. At one point, she even had human preying mantis prancing across the stage y'all.
There were blow-up photos of the beauty that is SZA for fans (myself included) to take photos, but in wooden-like tree trunks were a deeper dive into some of the ingredients featured in her products and their benefits.
For example, the glosses feature Hi-Shine Lip Jelly and Shea Butter as key ingredients and some of the listed benefits included are:
- Shea Butter - “A powerhouse ingredient, offering both functional and nourishing benefits.”
- Hi-Shine Lip Jelly (featured in the In the Flesh shade) - “Formula glides on with perfect adhesion to the lips without stickiness).
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What are in the products?
Featured in an orange package, with images of a bug and flower on the side, the back of the box reads: “It’s NOT BEAUTY, it just works. Developed by Solána “SZA” Rowe.
As someone who never leaves home without a good lip gloss, I loved how compact the wood panel packaging is. Perfect to slip into my purse, or in the case of the show at SoFi Stadium, into my pocket when I’m not carrying a bag.
Because I’m a sucker for a good black and brown lip liner and clear gloss combo, I decided to wear the Quartz flavor on night one of the Grand National Tour LA stop, and it did not disappoint. I’ll admit, it’s light weight feel made me nervous because it felt like there was nothing on my lips. However, when I checked my lips in my compact mirror several times throughout the night, I was shocked to find that my gloss was still intact. I only reapplied once out of the habit of looking cute and applying my gloss, but not necessity.
Here are some of the ingredients featured, but not limited to, in the Quartz flavor.
- Polyisoubutene
- Butyrospermum Parkii (Shea)Butter
- Ricinus Communis (Castor) Seed Oil
- Mentha Piperita (Peppermint) Oil
- Tocopherol
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Lip prep
I’m a simple girl who loves to stay true to her roots. So ahead of the show, I stopped by a local Inglewood Beauty Supply store and grabbed a Black and Brown shade lip pencil for just under $2 a piece.
Shading the outline of my lips with the black pencil first, I used the brown to lightly fill the inside of my lips before applying my Quartz Not Beauty shade gloss.
How to apply
There’s truly no right or wrong way to apply lip gloss (in my opinion), with this being a brush applicator sort of product, I simply untwisted the top and swiped the gloss around my top and bottom lip generously.
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Results
Again, my Not Beauty Quartz product stayed on my lips from the start of the show, which began with a fire DJ set from LA’s very own, Mustard, to the conclusion when Kendrick and SZA reunited on stage to send us home to their duet, “luther,” featured on the rapper's GNX album.
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The millennial in me is nostalgic at best...and at worst, deeply, deeply yearning. I’d be lying if I said I didn’t miss the past.
In the days of old, community was never hard to find. It was a knock on the door from a neighborhood friend who needed no invitation. It was trading jokes over lunch and lingering strolls after the final bell. It was choir practice on Saturdays and giggling in the pews on Sundays.
The love was free and plentiful, and my cup runneth over.
But there was a certain rhythm to the ’90s and early 2000s. People were ever-present in the most ordinary ways, and fortunately, this followed me well into adulthood. The door knocks have since turned into tequila shots, and brunch on Sundays became my new sanctuary, but you know...same thing!
However, life has changed drastically, and with it, so have we. Sometimes by force (2020..no other words needed, amirite), and other times by the natural, inevitable flow of growing up.
As we age, our identities become more defined. And while the people we’ve always loved still matter deeply, we start to crave new connections and experiences that reflect who we’re becoming.
When COVID reared its ugly head, not only did it disrupt the lives we knew, it pushed us to reevaluate the lives we want… and the people we want in them. For many, it exposed a loneliness that had already been there beneath the surface. It made space for questions we hadn’t slowed down to ask: What do I truly enjoy? Who do I feel most myself around?
After months of quarantine and isolation, we were left craving connection in a deeper, more intentional way. This sparked a renewed interest in “the third space.”
Coined by sociologist Ray Oldenburg, the term refers to those places beyond home (first space) and work (second space) where people gather, build relationships, and foster community. Think coffee shops, libraries, dance studios, run clubs, and other environments that offer connection outside of our daily obligations.
My own desire to find like-minded folks has only intensified over the past few years. And as a self-proclaimed medicine woman and wellness enthusiast, I went looking for spaces that felt good, and found more than a few.
So if you're in NYC and searching for places that feed your spirit (and tend to your interests), consider this your starter guide. Whether it's a wellness club, a run group, or a kickball league, these third spaces might just feel like home.
A Safe Space Mentor
My Shaylaaa.
What started out as a simple offering from founder Teya Knapp has grown into one of the most intentional, heartfelt communities I’ve had the privilege to be part of. Together with COO Jasmine Dayze, they have cultivated more than a collective—it’s a movement rooted in community care, softness, and restoration.
A nonprofit centered on mental health advocacy and equity, A Safe Space Mentor has redefined the possibilities of communal healing. With over 22 fully funded retreats to date (yes, free), monthly programs ranging from support groups and hikes to pottery classes, free therapy, and now a physical home at A Safe Place Studios, they’ve built an ecosystem where people can show up fully and be accepted just as they are.
I came across them by chance, but as fate would have it, it allowed me to bloom in ways I never saw coming, surrounded by women who affirm and love me in ways I didn’t know I needed. I’m serious, ya’ll. Even at the risk of sounding dramatic: expect to be changed, to find friends, possibly even family, and maybe a group chat, too.
Beyond their no-cost offerings, they also host weekly yoga and meditation classes, massages, and more. Learn more about this beautiful space here, and keep an eye out for their upcoming Juneteenth gathering.
NARC
Who needs Hinge when there’s a run club? (Kidding... kind of.)
NARC, short for Not a Run Club, is technically a run club but with a twist. Co-founded by Omari Ross and Noah Hutchins, NARC takes a holistic approach to fitness and community. Picture track workouts, dynamic circuits, core finishers, followed by a post-workout brunch with the crew. Sure, the occasional match may be made, but at its core, NARC is about connection, movement, and showing up for yourself and others.
It’s the kind of space where most people arrive solo but rarely leave without a new friend or a new perspective. And personally? I never tire of seeing Black men love on one another out loud.
If you’re looking for a solid sweat (not gonna lie, it gives Olympic training at times), laughs, and folks that show up rain or shine, they’ve got you. Beyond the track, they also host boxing classes, hot yoga sessions, social mixers, and a number of other events. NARC meets every Saturday at McCarren Park at 10 a.m. unless otherwise noted. Learn more here.
The Music Nerds
My favorite part about The Music Nerds? The DJ. Scene Serene, a former music journalist turned vibe curator, created this club out of pure love for music and the Black people who create it. And that love is felt in every detail.
Past functions have celebrated Kendrick Lamar, Black women in music, and Virginia legends, each thoughtfully crafted to tell a story through sound. Here, you’re not just dancing, you’re feeling, remembering, and reflecting, too. Additionally, she kicks off each event with icebreaker quote cards to spark conversation, because the vibe isn’t just in the music; it’s also in the people.
That sense of connection comes full circle in her choice of venues, which are always Black-owned spaces that feel safe and inclusive for all Black folk. After all, if we don’t support each other, who will?
This isn’t just a party. It’s a celebration of culture, connection, and Black joy…and yes, it’s free! She’s cooking up some magic for the summer, so follow her here to stay in the loop.
SociaLight Social Club
For the anti-social socialite or the extrovert who wants a little more intimate play, the SociaLight Club might be your sweet spot.
Nayah, the founder, is all about curating intimate, low-pressure gatherings that bring people together through random yet delightful activities, all while supporting Black-owned businesses in the process.
From coworking days to supper clubs and nights building LEGOs, it’s the kind of space where you can show up as you are and end up discovering new people and new passions. It’s chill, it’s intentional, and very much a vibe. Keep up with her events here.
Recess Kickball League
Black folks deserve to frolic, dilly-dally, and straight-up play. And that’s the spirit behind Recess Kickball League. Though kickball is the anchor, it’s really about reclaiming joy through movement and connection.
Founded by five friends during the lockdowns of 2020 (Emmanuel Maduakolam, Christopher Thomas, Cris Jones, Daemon “Tubbs” Krueger, and Ermias Tessema), the club started as a way to get outside and let loose, and now it’s blossomed into a thriving community with leagues in both LA and Brooklyn.
If you’ve been looking for field day vibes and opportunities to love on your inner child, keep up with them here.
The Free Black Women’s Library
Tucked in the heart of Bed-Stuy, The Free Black Women’s Library is a cozy nook that centers Black women and holds space for book lovers, creatives, and community-builders alike.
Founded by OlaRonke Akinmowo, it functions as more than a library but a cultural hub. While every book is written by a Black woman or non-binary author, she also hosts grief workshops, writing circles, and curated events that honor both healing and imagination, too. Their monthly calendar is packed with offerings that meet you where you are, celebrating who we are and who we’re becoming.
And the best part? You don’t have to buy a book, you can swap one. Bring something you’ve read, and leave with something new. Keep up with them here.
Peak & Pace
This one’s for the runners and the lovers. If you’re looking to meet your future bae who’s into fitness and a good Sunday reset, Peak & Pace might just be your new favorite link.
Founded by London native Owen Akhibi after relocating to NYC, the club was born out of something a lot of us know too well: feeling a little lonely in a big city. So he created a space that brings people together who just so happen to run.
Every meetup ends with a social, and some runs come with fun themes like wearing flags repping your country to wristbands signaling your relationship status (lovers tap in!). Off the track, they host yoga, comedy nights, parties, and other events to build real connections. They meet every Saturday at Prospect Park at 10 a.m. Tap in with them here.
Free Peace Meditation Club
Free Peace Meditation Club offers a rare pause in the middle of NYC’s bustling Lower East Side, encouraging folks to be still in the midst of chaos while finding beauty in it, too. What began as a simple conversation between Kenji Summers and Angelo Baque has blossomed into a welcoming sanctuary where New Yorkers gather to unplug, recenter, and recharge.
Hosted monthly at the artfully decorated Awake NY, this community-driven experience invites participants to reconnect through guided reflection, mindful breathwork, and thoughtfully curated music that features the rich sounds of New York’s rap, R&B, and jazz artists. FPANYMC stands as a powerful affirmation that stillness is not a luxury but an essential practice. Keep up with them here.
Knot Okay Club
This one’s for the soft girls, the creatives, and anyone who’s ever needed to crochet their stress away.
Knot Okay Club brings Black women and non-binary folks together through fiber arts. It’s about slowing down, making something with your hands, and feeling held while you do it. The work might be small and intentional, but the connection? That’s the magic. Learn more about them here.
Girls That Gather
Lauren Franco started Girls That Gather after moving to NYC and realizing just how hard it can be to find genuine connections as an adult.
What began as a way to bring women together has grown into a go-to space for meaningful conversation and real friendship. From curated dinner parties to small, cozy events, everything is designed to feel easy and intentional. No awkward networking energy, just good vibes and even better people. Learn more about them here.
Adanne Bookshop
Adanne is one of those places that makes you want to linger.
Tucked away in Brooklyn and owned by educator Darlene Okpo, this Black woman-owned bookshop is as intentional as it is inviting. The books are curated with care, the energy is warm, and the events, from author talks to community gatherings to incense-making, always leave you a little more full than when you walked in.
It’s not just a bookstore; it’s a cultural anchor. Check out their events here.
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