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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While speaking to xoNecole, Eva shares that she’s a lot like the beloved 1994 character in many ways. “Lyric is so me. She's the odd flower. A flower nonetheless, but definitely not a peony,” she tells us.
“She's not the average flower you see presented, and so she reminds me of myself. I'm a sunflower, beautiful, but different. And what I loved about her character then, and even more so now, is that she was very sure of herself.
"Sure of what she wanted in life and okay to sacrifice her moments right now, to get what she knew she deserved later. And that is me. I'm not an instant gratification kind of a person. I am a long game. I'm not a sprinter, I'm a marathon.
America first fell in love with Eva when she graced our screens on cycle 3 of America’s Next Top Model in 2004, which she emerged as the winner. Since then, she's ventured into different avenues, from acting on various TV series like House of Payne to starring on Real Housewives of Atlanta.
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Eva praises her castmates and the play’s producer, Je’Caryous for her positive experience. “You know what? Je’Caryous fuels my audacity car daily, ‘cause I consider myself an extremely audacious woman, and I believe in what I know, even if no one else knows it, because God gave it to me. So I know what I know. That is who Je’Caryous is.”
But the mom of three isn’t the only one in the family who enjoys acting. Eva reveals her daughter Marley has also caught the acting bug.
“It is the most adorable thing you can ever see. She’s got a part in her school play. She's in her chorus, and she loves it,” she says. “I don't know if she loves it, because it's like, mommy does it, so maybe I should do it, but there is something about her.”
Overall, Eva hopes that her contribution to the role and the play as a whole serves as motivation for others to reach for the stars.
“I want them to walk out with hope. I want them to re-vision their dreams. Whatever they were. Whatever they are. To re-see them and then have that thing inside of them say, ‘You know what? I'm going to do that. Whatever dream you put on the back burner, go pick it up.
"Whatever dream you've accomplished, make a new dream, but continue to reach for the stars. Continue to reach for what is beyond what people say we can do, especially as [a] Black collective but especially as Black women. When it comes to us and who we are and what we accept and what we're worth, it's not about having seen it before. It's about knowing that I deserve it.”
This interview has been edited for length and clarity.
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I’m not saying that your vagina doesn’t like it. I’m simply saying that it goes through a lot during those moments of copulation — and sometimes, it’s without the pre- (check out “15 Pre-Sex Rituals That Could Make Sex A LOT More Pleasurable”) and post-care that it not only needs but truly deserves.
So, in honor of all that our vagina’s go through during coitus, I wanted to shout out four things that you should do for “her” before you have sex and four other things that you should do once the get down is over — things that will make her (and ultimately you) feel so much better about what transpires…during.
Before Sex Tip #1: Your Vagina Wishes You Wouldn’t Shave
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My waxer and I are going to come to low-key blows in a minute if she doesn’t keep trying to take more and more hair away from my pubic mound. LOL. Me? I’m someone who likes my bikini line to be cleaned up; however, I prefer to not go completely bald. If you’re someone who is on the fence, something that may sway you over to my side of things is the fact that there is plenty of data out here that says pubic hair can help to decrease your chances of contracting an STI/STD.
One reason is that hair (everywhere) helps to protect you. Another is because, if you happen to shave or wax and then have sex 12-24 hours later, and your partner does have an STI/STD, there could be mild abrasions or cuts that could make it easier for what they have to be transmitted to you.
Listen, I’m all about a well-manicured treasure box happening — just make sure that you “handle that” a couple of days before sex…not mere hours before.
Before Sex Tip #2: Your Vagina Wishes You Wouldn’t Avoid Washing Your Hands
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It’s kind of hard to have sex without using your hands. That said, if fingers are gonna be all up and around “her,” they need to be as clean as possible, so that bacteria doesn’t end up pissing her off. This means that if your nails are long, you need to use a nail brush to dig up underneath them. This means that if he goes to the bathroom right before coming into the bedroom, he should wash his hands.
This also means that if you like to be on the adventurous side and bring “sex condiments” into the picture during foreplay (check out “12 'Sex Condiments' That Can Make Coitus Even More...Delicious”), and there is stuff all over your fingers, hands should be washed then too. The main reason for the last one is food has a way of throwing off your vagina’s pH balance — and, whenever that happens, it can lead to an infection. And who the hell wants that, chile?
Before Sex Tip #3: Your Vagina Wishes You Wouldn’t Drink Too Much
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When you get a chance, do your vagina a favor and check out “Turns Out Sober Sex Might Be The Underrated Secret To Better Orgasms.” When you’ve got too much alcohol in your system, not only could it potentially cloud your judgment, but it can also tank your libido, decrease how much natural lubricant your body produces, and it can make it harder for you to climax as well.
As far as the lube part goes, the issue with that is alcohol dehydrates you, and let me tell you, there are few things worse than trying to have great sex with a dry va-jay-jay. All of that friction damn near feels like broken glass (not exactly but…close). Ugh. So, a glass of wine or a shot of Casamigos? Cool. Throwin’ back an entire bottle? Yeah, let’s not.
Before Sex Tip #4: Your Vagina Wishes You Wouldn’t "Forget" to Use Condoms
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If you want to significantly decrease your chances of experiencing an unwanted pregnancy or an STI/STD, you need to use a condom — not sometimes, not partly during sex…each and every time and from start to finish when it comes to copulation. To this day, when used flawlessly, condoms continue to be 98 percent effective (around 87 percent effective otherwise). Not only that but if you are having sex with a new partner for the first time, his sperm/semen has the potential to throw your vagina’s pH off and that could lead to itchiness, irritation and/or some type of infection.
Look, I don’t know one person on this planet who thinks that wearing a condom feels better than “going raw.” Still, unless you want to get pregnant or you want to do a crap shoot with your health (at a time when STIs/STDs are on the rise, by the way), do you and your vagina a favor and bring condoms into the mix. Speaking of condoms (and your vagina), check out “These Are The Kinds Of Condoms Your Vagina Would Actually Prefer,” so that using them can be as pleasant of an experience as possible.
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After Sex Tip #1: Your Vagina Wishes You Wouldn’t “Mingle” with Sex Toys
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Okay, so when it comes to “after sex,” I think that pretty much all of us can vouch for the fact that sometimes sex doesn’t stop so much as it…pauses. And during that refractory period, it can be common for one or both partners to do things that will help to keep the juices flowing (umm, so to speak). Thing is, if your sex toys have been moving around from place to place, this means that bacteria, fungi, or even viruses can be transmitted.
So, after the first sex romp, please wash your sex toys before inserting them, umm, elsewhere. Then, once you’re completely done, thoroughly clean and dry them and put them away. For tips on how to do this, based on the material that they are made out of, check out Self’s “How to Clean Your Sex Toys So You Can Use Them Safely.”
After Sex Tip #2: Your Vagina Wishes You Wouldn’t Hold Your Pee In
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Although I am a childhood sexual abuse survivor, when I stepped onto my college’s campus for the first time, I was pretty green about a lot of things when it came to sex. That’s why it threw me off when my freshman year suite mates were trying to convince me that holding urine in during sex intensifies orgasms. Chile…if y’all are out here doing that, that explains why there seems to be an uptick in squirting (some of y’all will catch that later — LOL).
Anyway, what I do know, as far as pee goes, is you should definitely release it after intercourse. According to science, making sure to use the bathroom after sex can help to push out germs and bacteria that may try to get caught up in your urethra, ones that could ultimately lead to a urinary tract infection (UTI).
After Sex Tip #3: Your Vagina Wishes You Wouldn’t Use Harsh Cleansing Products
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It can never be said enough that vaginas are self-cleaning — this means that, even after sex, yours does not need the assistance of douching or you attempting to “clean it out” with some sort of over-the-top body wash or heavily fragranced soap. All that will do is disrupt the pH of your vagina. As far as your vulva — the outer part of your vagina — goes, even that doesn’t need you to go overboard.
Some warm water and a mild, unscented soap are really all that you need, especially since you may have some mild abrasions due to the friction of the sexual experience. Oh, and if you are doing the most, thinking that you can get sperm/semen out of you — that’s not how it works. Once it enters your body, it’s gotta leave in its own time (which tends to be no longer than 5-7 days).
After Sex Tip #4: Your Vagina Wishes You Wouldn’t Put Panties (Back) On
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Even though men have told me that they feel more comfortable with putting a pair of drawers on after having sex, that doesn’t mean that you should automatically follow suit. I mean, unless you plan on getting right into the shower (and fully drying off afterwards), there is probably sweat and other fluids that could be a breeding ground for an infection if you decide to immediately put on panties, lingerie, or some other type of tight-fitting clothing on.
So, stay naked — at least from the bottom down. It’ll give your vagina (and vulva) some time to catch its breath and actually breathe. Yes, literally.
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Without your vagina, sex would suck. LOL. And so, the least you could do is implement these eight tips as a way to show your appreciation. They’re simple things that can make a big difference in how your vagina feels — about sex and you before, during and after it. #wink
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