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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Because We Are Still IT, Girl: It Girl 100 Returns
Last year, when our xoNecole team dropped our inaugural It Girl 100 honoree list, the world felt, ahem, a bit brighter.
It was March 2024, and we still had a Black woman as the Vice President of the United States. DEI rollbacks weren’t being tossed around like confetti. And more than 300,000 Black women were still gainfully employed in the workforce.
Though that was just nineteen months ago, things were different. Perhaps the world then felt more receptive to our light as Black women.
At the time, we launched It Girl 100 to spotlight the huge motion we were making as dope, GenZennial Black women leaving our mark on culture. The girls were on the rise, flourishing, drinking their water, minding their business, leading companies, and learning to do it all softly, in rest. We wanted to celebrate that momentum—because we love that for us.
So, we handpicked one hundred It Girls who embody that palpable It Factor moving through us as young Black women, the kind of motion lighting up the world both IRL and across the internet.
It Girl 100 became xoNecole’s most successful program, with the hashtag organically reaching more than forty million impressions on Instagram in just twenty-four hours. Yes, it caught on like wildfire because we celebrated some of the most brilliant and influential GenZennial women of color setting trends and shaping culture. But more than that, it resonated because the women we celebrated felt seen.
Many were already known in their industries for keeping this generation fly and lit, but rarely received recognition or flowers. It Girl 100 became a safe space to be uplifted, and for us as Black women to bask in what felt like an era of our brilliance, beauty, and boundless influence on full display.
And then, almost overnight, it was as if the rug was pulled from under us as Black women, as the It Girls of the world.
Our much-needed, much-deserved season of ease and soft living quickly metamorphosed into a time of self-preservation and survival. Our motion and economic progression seemed strategically slowed, our light under siege.
The air feels heavier now. The headlines colder. Our Black girl magic is being picked apart and politicized for simply existing.
With that climate shift, as we prepare to launch our second annual It Girl 100 honoree list, our team has had to dig deep on the purpose and intention behind this year’s list. Knowing the spirit of It Girl 100 is about motion, sauce, strides, and progression, how do we celebrate amid uncertainty and collective grief when the juice feels like it is being squeezed out of us?
As we wrestled with that question, we were reminded that this tension isn’t new. Black women have always had to find joy in the midst of struggle, to create light even in the darkest corners. We have carried the weight of scrutiny for generations, expected to be strong, to serve, to smile through the sting. But this moment feels different. It feels deeply personal.
We are living at the intersection of liberation and backlash. We are learning to take off our capes, to say no when we are tired, to embrace softness without apology.
And somehow, the world has found new ways to punish us for it.

In lifestyle, women like Kayla Nicole and Ayesha Curry have been ridiculed for daring to choose themselves. Tracee Ellis Ross was labeled bitter for speaking her truth about love. Meghan Markle, still, cannot breathe without critique.
In politics, Kamala Harris, Letitia James, and Jasmine Crockett are dragged through the mud for standing tall in rooms not built for them.
In sports, Angel Reese, Coco Gauff, and Taylor Townsend have been reminded that even excellence will not shield you from racism or judgment.

In business, visionaries like Diarrha N’Diaye-Mbaye and Melissa Butler are fighting to keep their dreams alive in an economy that too often forgets us first.
Even our icons, Beyoncé, Serena, and SZA, have faced criticism simply for evolving beyond the boxes society tried to keep them in.
From everyday women to cultural phenoms, the pattern is the same. Our light is being tested.

And yet, somehow, through it all, we are still showing up as that girl, and that deserves to be celebrated.
Because while the world debates our worth, we keep raising our value. And that proof is all around us.
This year alone, Naomi Osaka returned from motherhood and mental health challenges to reach the semifinals of the US Open. A’ja Wilson claimed another MVP, reminding us that beauty and dominance can coexist. Brandy and Monica are snatching our edges on tour. Kahlana Barfield Brown sold out her new line in the face of a retailer that had been canceled. And Melissa Butler’s company, The Lip Bar, is projecting a forty percent surge in sales.

We are no longer defining strength by how much pain we can endure. We are defining it by the unbreakable light we continue to radiate.
We are the women walking our daily steps and also continuing to run solid businesses. We are growing in love, taking solo trips, laughing until it hurts, raising babies and ideas, drinking our green juice, and praying our peace back into existence.
We are rediscovering the joy of rest and realizing that softness is not weakness, it is strategy.
And through it all, we continue to lift one another. Emma Grede is creating seats at the table. Valeisha Butterfield has started a fund for jobless Black women. Arian Simone is leading in media with fearless conviction. We are pouring into each other in ways the world rarely sees but always feels.

So yes, we are in the midst of societal warfare. Yes, we are being tested. Yes, we are facing economic strain, political targeting, and public scrutiny. But even war cannot dim a light that is divinely ours.
And we are still shining.
And we are still softening.
And we are still creating.
And we are still It.

That is the quiet magic of Black womanhood, our ability to hold both truth and triumph in the same breath, to say yes, and to life’s contradictions.
It is no coincidence that this year, as SheaMoisture embraces the message “Yes, And,” they stand beside us as partners in celebrating this class of It Girls. Because that phrase, those two simple words, capture the very essence of this moment.
Yes, we are tired. And we are still rising.
Yes, we are questioned. And we are the answer.
Yes, we are bruised. And we are still beautiful.

This year’s It Girl 100 is more than a list. It is a love letter to every Black woman who dares to live out loud in a world that would rather she whisper. This year’s class is living proof of “Yes, And,” women who are finding ways to thrive and to heal, to build and to rest, to lead and to love, all at once.
It is proof that our joy is not naive, our success not accidental. It is the reminder that our light has never needed permission.
So without further ado, we celebrate the It Girl 100 Class of 2025–2026.
We celebrate the millions of us who keep doing it with grace, grit, and glory.
Because despite it all, we still shine.
Because we are still her.
Because we are still IT, girl.
Meet all 100 women shaping culture in the It Girl 100 Class of 2025. View the complete list of honorees here.
Featured image by xoStaff
The It Girl 100 Class Of 2025: Meet The Culture & Entertainment Shapeshifters You Need To Know
Culture shifts when she moves, and this year’s It Girls have the whole world collectively hitting refresh.
You see, the Culture & Entertainment It Girls don’t just become the moment, they shape it. Whether she’s redefining Young Hollywood, bending genres across the board, or turning a casual drop into cultural canon, her presence transcends timeline, group chats, and red carpets alike. This It Girl is the kind of woman whose name travels, from screens to stages to every corner of the zeitgeist.
This year's It Girl 100 is a mosaic of brilliance, spotlighting media personalities, cultural disruptors, beauty visionaries, and boundary-pushing prodigies who embody the spirit of "Yes, And." This digital celebration honors the women who embrace every facet of themselves, proving you can be a light and still honor your desire to glow at your own pace.
The women repping for the Culture & Entertainment category prove relevance is crafted, not accidental. It's the alchemy of talent, intention, and magnetism that becomes the spark.
Here's the roll call for xoNecole's It Girl 100 Class of 2025: Culture & Entertainment.

Model and Media Personality Olandria Carthen
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Olandria Carthen
Her Handle: @x_olandria
Her Title: Model and Media Personality
Who's That It Girl: Olandria Carthen is lighting up the entertainment space with creativity and confidence. We love her for carving out a name rooted in self-belief and for using her artistry to uplift and inspire.

Actress Akira Akbar
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Akira Akbar
Her Handle: @akira_akbar
Her Title: Actress
Who's That It Girl: Bright, fearless, and full of heart, Akira Akbar is redefining what young Hollywood looks like. We honor her for bringing depth and authenticity to every role and for reminding the world that talent has no age limit.

Singer, Songwriter and Actress Halle Bailey
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Halle Bailey
Her Handle: @hallebailey
Her Title: Singer, Songwriter and Actress
Who's That It Girl: Halle Bailey is ethereal strength in motion. We love her for redefining princesshood, representation, and the power of visibility, inspiring young dreamers to believe their voices belong on every stage.

Entrepreneur, Model, Actress, and Cultural Voice Chelley Bissanthe
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Chelley Bissanthe
Her Handle: @_slimthin
Her Title: Entrepreneur, Model, Actress, and Cultural Voice
Who's That It Girl: Chelley Bissainthe is a Haitian-American model, entrepreneur, and advocate. She uses her platform to uplift communities, honor her Caribbean heritage, and build pathways to ownership and legacy.

Actress and Singer Ryan Destiny
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Ryan Destiny
Her Handle: @ryandestiny
Her Title: Actress and Singer
Who's That It Girl: Ryan Destiny embodies star power and stillness in one. We celebrate her for her poise, range, and unshakable confidence, proof that quiet strength can shine just as bright as any spotlight.

Reality TV Personality and Influencer Amber Desiree (AD)
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Amber Desiree (AD)
Her Handle: @amberdesiree
Her Title: Reality TV Personality and Influencer
Who's That It Girl: Charismatic and bold, Amber Desiree brings emotional depth and vibrant storytelling to every project she touches. We love her for representing multifaceted womanhood on screen and off, inspiring a generation of creatives to lead with authenticity.

Top Creator, Model, Media Personality and Cultural Tastemaker Serena Page
Credit: Jacob Webster
Serena Page
Her Handle: @serenaapagee
Her Title: Top Creator, Model, Media Personality and Cultural Tastemaker
Who's That It Girl: Serena Page first captured hearts on Love Island USA Season 6 and has since become one of pop culture’s favorite “it girls.” Her confidence and authenticity have made her a go-to face for brands like SheaMoisture, Pepsi, and CeraVe.

Director and Executive Producer Courtney Whitaker
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Courtney Whitaker
Her Handle: @courtneyewhitaker
Her Title: Director and Executive Producer
Who's That It Girl: Courtney Whitaker is a two-time Emmy-winning producer and director specializing in TV, documentaries, and branded content. With over 20 projects completed, she's dedicated to amplifying underrepresented voices through impactful storytelling.

DJ Uncle Waffles
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Uncle Waffles
Her Handle: @unclewaffles_
Her Who's That It Girl: The DJ queen of the global stage, Uncle Waffles turns sound into celebration. We love her for electrifying dance floors and championing African creativity with confidence, rhythm, and undeniable joy.

Entrepreneur and Television Personality JaNa Craig
Credit: Susan Madore
JaNa Craig
Her Handle: @janacraig_
Her Title: Creator, Entrepreneur and Television Personality
Who's That It Girl: With creativity that defies convention, JaNa Craig is building a lane all her own in music and production. We celebrate her for reminding women that reinvention is power and authenticity is art.

Award-Winning Journalist, Host and Creator Gia Peppers
Credit: Jonavennci Divad - Ravenn Burs
Gia Peppers
Her Handle: @giapeppers
Her Title: Award-Winning Journalist, Host and Creator of Healed Girl Era Podcast
Who's That It Girl: Gia Peppers is an award-winning journalist, host, and podcaster who uses her platforms to tell powerful stories. Through More Than That and Healed Girl Era, she reminds audiences to embrace their voice and value.

Actress, Executive Producer, and Founder Marsai Martin
Credit: Maya McHenry
Marsai Martin
Her Handle: @marsaimartin
Her Title: Actress, Executive Producer, and Founder of Genius Entertainment and Sai Summer Cookout
Who's That It Girl: Marsai Martin is a creative prodigy with executive energy. We’re inspired by her for producing, directing, and acting with intention, showing young Black girls that leadership starts wherever you decide it does.

Rapper and Singer Doechii
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Doechii
Her Handle: @doechii
Her Title: Rapper and Singer
Who's That It Girl: A lyrical firestorm and unapologetic visionary, Doechii is shaping the sound of this generation. We honor her for pushing the boundaries of genre, performance, and self-expression with fearless creativity.

Actress, Singer, Producer and TV Host Keke Palmer
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Keke Palmer
Her Handle: @keke
Her Title: Actress, Singer, Producer and TV Host
Who's That It Girl: An icon of charisma and confidence, Keke Palmer is entertainment royalty. We celebrate her for leading with humor, honesty, and hustle, showing that versatility is her superpower and evolution her legacy.

Actress, Model, Singer, Designer, Content Creator and Entrepreneur Nzinga Imani
Credit: Shae DeWaal
Nzinga Imani
Her Handle: @nzingaimani
Her Title: Actress, Model, Singer, Designer, Content Creator and Entrepreneur
Who's That It Girl: We love Nzinga Imani for her bold authenticity and on-screen presence. As an actress, model, and entrepreneur, she’s redefining beauty and representation in entertainment.

Rapper and Singer Monaleo
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Monaleo
Her Handle: @themonaleo
Her Title: Rapper and Singer
Who's That It Girl: Monaleo’s voice hits with power and purpose. We honor her for pairing confidence with vulnerability, turning her truth into anthems that inspire women to heal loudly and live boldly.

Singer and Songwriter Amaarae
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Amaarae
Her Handle: @amaarae
Her Title: Singer and Songwriter
Who's That It Girl: With a sound that bends genres and a style that breaks rules, Amaarae is one of music’s most daring voices. We celebrate her for pushing boundaries, owning her individuality, and amplifying the power of Afro-fusion on a global stage.

Singer, KATSEYE Monan Bannerman
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Monan Bannerman
Her Handle: @meretmanon
Her Title: Singer, KATSEYE
Who's That It Girl: As a member of KATSEYE, Monan merges style, grace, and global influence. We celebrate her for bringing cultural depth and individuality to the next generation of pop icons.

Singer, Actress, Creative Director, and Choreographer Teyana Taylor
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Teyana Taylor
Her Handle: @teyanataylor
Her Title: Singer, Actress, Creative Director, and Choreographer
Who's That It Girl: Teyana Taylor is the embodiment of artistry, singer, choreographer, director, designer. We honor her for transforming every creative avenue she touches into a masterpiece of movement, emotion, and empowerment.

Singer, Songwriter and Producer Laila!
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Laila!
Her Handle: @prodlaila
Her Title: Singer, Songwriter, and Producer
Who's That It Girl: Laila is the creative force whose sound pulses with honesty and energy. We honor her for capturing emotion through production and storytelling, inspiring a new era of music that feels intimate yet universal.

Actress Antonia Gentry
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Antonia Gentry
Her Handle: @_antoniagentry_
Her Title: Actress
Who's That It Girl: With talent that transcends screens, Antonia Gentry brings raw emotion and grace to every performance. We honor her for reminding us that vulnerability is strength and that storytelling can be both healing and revolutionary.

Actress and Model Laura Harrier
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Laura Harrier
Her Handle: @lauraharrier
Her Title: Actress and Model
Who's That It Girl: Effortlessly chic and profoundly grounded, Laura Harrier is redefining Hollywood grace. We celebrate her for using her platform to champion representation and for proving that elegance and activism can coexist beautifully.

R&B Singer/Songwriter, Actress Coco Jones
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Coco Jones
Her Handle: @cocojones
Her Title: R&B Singer/Songwriter, Actress
Who's That It Girl: Coco Jones is a Grammy-winning R&B breakout who captivates with her timeless artistry and soulful voice. She also stars as Hilary Banks in the Bel-Air reboot and recently wrapped an upcoming romantic comedy That’s Her.

Entrepreneur, Media Personality and Philanthropist Lauren Speed-Hamilton
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Lauren Speed-Hamilton
Her Handle: @need4lspeed
Her Title: Entrepreneur, Media Personality and Philanthropist
Who's That It Girl: Lauren Speed-Hamilton turned her Love Is Blind journey into a masterclass in purpose-driven storytelling. We love her for inspiring authenticity in love, media, and entrepreneurship, building connection where vulnerability meets vision.

Actress and Singer Amber Riley
Credit: xoNecole
Amber Riley
Her Handle: @msamberpriley
Her Title: Actress and Singer
Who's That It Girl: Amber Riley’s voice is pure power, soulful, spiritual, and unforgettable. We celebrate her for using her artistry to uplift others, redefining what resilience and radiance look like in entertainment.
Joy Woods
Her Handle: @joynwoods
Her Title: Actress
Who's That It Girl: Joy Woods’ name says it all, joy radiates through every note she sings. We’re inspired by her Broadway brilliance and her commitment to showing that Black women’s voices are boundless and breathtaking.

Country Singer, Songwriter Tanner Adell
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Tanner Adell
Her Handle: @tanneradell
Her Title: Country Singer, Songwriter
Who's That It Girl: With a voice as bold as her vision, Tanner Adell is redefining country music with style and soul. We celebrate her for breaking barriers, blending cultures, and creating a sound that’s unapologetically her own.

Producer, Host and Media Maven Kéla Walker
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Kéla Walker
Her Handle: @KelaWalker
Her Title: Producer, Host and Media Maven
Who's That It Girl: Kéla Walker is a 7x Emmy-nominated producer, host, and digital tastemaker, a modern-day media maven merging television storytelling with contemporary influence. As the founder of Walker Media Group, she curates aspirational lifestyle content anchored in style, culture, and substance. From red carpets to real life, Kéla brings a distinct point of view that bridges legacy media and the digital landscape.

TV Personality Riley Burruss
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Riley Burruss
Her Handle: @rileyburruss
Her Title: TV Personality
Who's That It Girl: We celebrate Riley Burruss as a rising creative and storyteller forging her own space in entertainment. Fresh out of NYU with a degree in music business, she’s building momentum through Next Gen NYC and her podcast The Burruss Banter, all while exploring a future in entertainment law.

Entrepreneur, Actor, Model, Style Icon and Entrepreneur Lori Harvey
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Lori Harvey
Her Handle: @loriharvey
Her Title: Beauty Entrepreneur, Actor, Model, Style Icon and Entrepreneur
Who's That It Girl: Lori Harvey embodies modern femininity and independence. We celebrate her for turning self-love into legacy and for inspiring women to walk confidently in their own power.

Actress Storm Reid
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Storm Reid
Her Handle: @stormreid
Her Title: Actress
Who's That It Girl: Storm Reid radiates brilliance far beyond her years. We love her for bringing compassion, creativity, and courage to every role, a true beacon for young women dreaming of changing the world through art.

Actress Whitney Peak
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Whitney Peak
Her Handle: @whitneypeak
Her Title: Actress
Who's That It Girl: Whitney Peak exudes quiet confidence and magnetic charm. We celebrate her for redefining modern cool and for reminding young women that authenticity is the most timeless form of beauty.
Tap into the full It Girl 100 Class of 2025 and meet all the women shaping the culture this year and beyond. See the full list here.
Featured image by xoStaff









