

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.
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In pursuing the goal of experiencing the best sex ever, there are three main mistakes that I think a lot of people make. One is overthinking everything; the more mindful you are during sex, the more willing you are to just relax and be in the moment, and the more fulfilling your experience will be. The second thing? Becoming sexually lazy. One of the best things about sex is it can almost always be topped — so why not try?
The couples who are always trying to make the next experience better than the last rarely are bored, nor do they end up finding themselves in a sexual rut. And the third? Not being proactively intentional about bringing all five senses into the bedroom (or wherever they choose to do it). Indeed, something that makes sex top-notch is the fact that there are super sensual ways to incorporate sight, hearing, smell, taste, and touch to it.
So, let’s do this. Let’s explore five ways for each of the five senses to be stimulated in such a way that sex with your partner won’t just be “good” — it’ll truly be unforgettable!
SIGHT
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Write a sex note. It’s probably that I’m a words of affirmation person that I wrote articles for the site like “Every Woman Should Write A Love Letter To Themselves” and “Why Writing Love Letters Is A Surefire Way To Revive Your Marriage.” Either way, there are plenty of studies out here to support the fact that your handwriting reveals a lot about your personality. For instance, outgoing personalities tend to use bigger letters while shy folks use smaller ones, and the more legible your signature is, the more confident you tend to be (illegible speaks to being more private).
Anyway, it’s thoughtful, seductive, and it reveals a very personal side of you to handwrite a sex note to your partner. It can be a story, a memory, or a fantasy. Mail it to them (even if you live together), and put it in one of their office drawers or even under their pillow. Allow them to see you in this kind of creative light.
Text a super up close or blurry pic. Speaking of seduction, no matter how many times your partner has seen you naked, there are approaches you can take that will make it feel like it’s the first time. One is to take a super close shot of a body part and ask them to guess what it is. Another is to take a super blurry one and add a message that only they will understand. It’s gonna be hella intriguing either way.
Use candlelight. If you’re someone who would prefer to have sex in the dark while your partner wants the lights on, the compromise is to go with candlelight. It’s romantic. It’s body flattering. And, if you go with some scented soy (soy burns longer) candles like jasmine, vanilla, or patchouli, the candles will create an aphrodisiac atmosphere too.
Incorporate each other’s favorite colors. Something else that I’m a fan of is color psychology (check out “Understanding Color Psychology Will Sharpen Your Lens On Life”). Not only do different colors represent different things (and can affect your mood in different ways), but wearing your favorite color can make you feel better about yourself, while wearing your partner’s favorite color can entice them all the more. Definitely, something to keep in mind as you’re out here doing some lingerie shopping (when’s the last time you did that, by the way?).
Maintain eye contact. In almost any context, maintaining eye contact with people is important. Business Insider once published an article stating that eye contact cultivates attraction, maintains a level of honesty, helps you to be more memorable, and can even make it possible for two people to fall in love. Pretty sure you can see why I added this to the “sight” list. Eye contact during sex is EVERYTHING.
HEARING
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Verbalize, in explicit detail, what you want to do to your partner. Wanna do some sex pregaming? Give your partner a preview of what’s to come by calling them out of nowhere to talk about all of the things you want to do the next time the two of you are intimate. It will definitely pique their curiosity. Plus, this is a great workaround for people who struggle with dirty talk (a tip: don’t overthink it; your tone of voice matters more than your actual words anyway. No, seriously.).
Play nature-based ASMR sounds. If you’re someone who likes to listen to music or sounds of nature during sex (more on that in a sec), it might surprise you to know that you enjoy something that’s a low-key sexual fetish. It’s called auralism, and it’s all about being aroused via sound. As far as nature sounds (like rain, ocean waves, wind, etc.) go, science says that hearing them helps to reduce stress, decrease pain, and it can also put you in a way better mood.
So, the next time that you’re trying to create some ambiance go to YouTube and find some nature sounds (many of them run on a loop for hours on end). It’s an unsung hack that can make a world of difference as far as your sex life is concerned.
Whisper. Speaking of ASMR, did you know that sounds like whispering can create a literal “brain orgasm” without you even laying a hand on your partner? It’s relaxing. It’s seductive. It triggers euphoric sensations. Just thought I would put that out there.
Moan. Recently, while listening to the extended mix of the throwback R&B group Intro’s “Come Inside,” I was trying to figure out how people can “fake moan” and make it sound at least semi-convincing.
Anyway, if you want to heighten both your and your partner’s sense of hearing when it comes to sexual intimacy, moaning is gonna get the job done. In fact, according to science, moaning creates vibrations throughout the body that can intensify sex and orgasms. Plus, it’s a way to let your partner know that they are meeting your sexual needs.
So, if you’re a loud moaner, awesome (check out “Ever Wonder What The Sounds You Make During Sex Mean?” when you get a chance). If you’re self-conscious about doing it, remember that you’ve got science to back up giving it a shot ASAP.
Praise your partner.I once read that whenever someone receives a compliment, it activates the same part of their brain as receiving money (no joke). That said, I can’t think of any person who would ever get tired of receiving genuine praise for their sexual performance. So, before, during, and after the deed is done, be intentional about verbally affirming your partner for the things that you thoroughly enjoyed. Watch them “return the favor” once you do.
SMELL
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Put his favorite scent on your pressure points. The article “Feelin' On These Pressure Points Will Give You The Best Sex Of Your Life” is all about certain parts on your and your partner’s bodies that can intensify sexual pleasure whenever they are touched. That said, imagine how much more exhilarating the touches will feel if your partner gets to smell his favorite scent in those very spots.
Out of the five senses, smell doesn’t get nearly as much attention — oh, but it should, considering the fact that various smells connect us to certain emotions and memories. Not only that but studies say that those who have a stronger sense of smell ultimately have better sex lives too.
Apply essential oils to your bedding. Keeping what I just said in mind, when was the last time that you sprinkled some essential oils on your bedding? Personally, I prefer essential oils to perfume or cologne because they are good for your health, and the quality brands, tend to last much longer. And when it comes to sex specifically, there’s something about rolling around in aphrodisiac-based smelling sheets that really is a perfect touch (check out “8 Natural Aphrodisiac Scents, Where They Go & How To Make Them Last”).
Add fresh flower petals to your bed too. Roses have had a long-standing and pretty solid reputation for being an aphrodisiac scent too. Not only that, but some people even eat rose petals because they are loaded with antioxidants. Personally, I like the soft and feminine scent that fresh rose petals provide along with how great they feel on my skin. Get all of these benefits by sprinkling some fresh rose petals on your bed. You can never go wrong by doing so.
Add an aphrodisiac scent to your hair. A few years back, I penned an article for the site entitled, “Contrary To Popular Assumption, Black Women LOVE Getting Their Hair Pulled During Sex” — and you know what? It really is the icing on the cake for your hair to smell absolutely amazing as he does it. So, whether it’s perfume, cologne, or an essential oil, don’t forget to spray or rub some onto your tresses. Whew, chile.
Put some lavender and pumpkin oil in between your thighs. I will forever shout through the proverbial bullhorn that studies say that the combination of lavender and pumpkin oil can increase the speed of a man’s erection by a whopping 40 percent! Definitely, something to keep in mind if you’ve got a partner who battles a bit with erectile dysfunction or you’re someone who enjoys immediate penetration following being on the receiving end of oral sex.
Dab a bit of the combo in between your thighs and just watch — well, feel — what happens! (By the way, you can purchase a roll-on combo of two fragrances at an affordable price by going here.)
TASTE
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Get some honey dust. Back in my more active days (LOL), I took a hack from Valerie Malone via Beverly Hills, 90210, when she told one of her partners that she applies honey dust to her skin so that he could lick it off. Let’s just say that if you try it, you’ll be in for a wild ride. You can cop some for yourself here.
Experiment with some “sex condiments.” Along these same lines, one time I was working with a couple who both wanted a bit of assistance without making giving oral sex less awkward. I shot them the article, "12 ‘Sex Condiments’ That Can Make Coitus Even More...Delicious” that I once penned. Why?
Basically, sometimes it can seem a bit intimidating to take in natural body fluids. One way to make it less overwhelming is to “mask” the tastes with ones that are more familiar such as frosting, chocolate syrup, or even condensed milk.
Suck on some mint candy. Even though I’ve actually read that consuming mint can lower a man’s testosterone levels and ultimately his sex drive, if you gargle some mint mouthwash or suck on a mint prior to performing fellatio, the menthol can feel hella exhilarating for him and make his orgasms even more memorable. Hey, but you ain’t gotta take my word for it. A couple of years ago, some mints called Flintts were taking oral sex activity by storm, chile: “What the Heck Are These Oral Sex Mints All Over TikTok?”.
Play around with nutmeg and cloves. Whether you decide to make a dessert with nutmeg and cloves, drink some tea with these spices sprinkled in, or you come up with some other creative way to incorporate them into your plans for the evening, nutmeg is a solid libido-booster and cloves increase energy levels and blood flow (including to your genital region) as well as increases your body temperature. Where’s your spice rack at?
DIY some dried figs. There is nothing wrong with bringing food into the bedroom. That said, next time, how about some figs? Visually, they are a fruit that’s actually used to symbolize the vagina; plus, the amino acids in them help to relax the blood vessels in your body, so that blood is able to flow freely through you and your partner’s genitalia. You can get a ton of dried fig recipes here.
TOUCH
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Wear silk lingerie. Even though lace has quite the reputation when it comes to lingerie, a fabric that deserves a lot more attention is silk. It’s soft. It’s luxurious. And, by many, it’s considered to be the most sensual fabric there is. Also, on the practical side, silk can help to reduce hot flashes, improve your quality of sleep, help to prevent yeast infections, and improve the appearance and feel of your skin. All worthwhile selling points to keep in mind for the next time you’re picking up a teddy or baby doll ensemble.
Twist your wrist during fellatio. I enjoy Black web series. One from back in the day that I will rewatch from time to time is called Diary of a Cheating Man. In episode two, (the character) Cory gives away a fellatio hack that I can personally vouch for.
If you’re someone who is a bit skittish about giving head, something that can take some of the mouth pressure off is to use your hands more. Apply an edible lubricant and then twist your wrist clockwise and counterclockwise as you’re gently moving up and down his shaft. That way, you don’t have to do quite as much sucking (if that’s not your thing; do lick, though), and he won’t feel (quite so) gypped because of it.
Use your tongue where you would put your hands. I recently read an article (entitled “The Human Tongue Can Help Blind People 'See' The World. Here's How”) that said, “The brain can allocate tactile attention on the surface of the tongue in the same way as the hands or other modes of attention.” If you add to this the fact that, although the tongue is not the strongest muscle in the body, it is, most definitely one of the most flexible, and you add to that how warm and wet it is — it will only benefit you and your partner to substitute your tongue for your hands during foreplay…don’t ya think?
Play with each other’s belly buttons. One of the best ways to keep your partner intrigued is to not always go for the “predictable” body parts. For instance, when’s the last time that the two of you played around with each other’s belly buttons? The belly button has multiple nerve endings, it’s a fun way to tease your partner during foreplay, and it’s not uncommon for women to feel clitoral stimulation whenever that area of their body is caressed in any way. So, why not kiss, massage, or use your fingers to play around with the belly button during sexual activity? You both may be pleasantly surprised by the sensation that it creates.
Kiss during afterplay. One more. A question that I get asked fairly often is what can increase a woman’s chances of having multiple orgasms. There are several. One of them is to kiss during afterplay (which is basically foreplay after having sex). There is a lot of intel in these streets (check out “Wanna Climax More? KISS MORE.”) that cosigns on the fact that kissing is extremely stimulating.
So, even though few things top spooning naked and taking a nap after getting in a round of romping, an immediate — as they used to say it back in the day — make-out session following your first orgasm can definitely put you on the path to experiencing a second one. Try it. How could you — and all of your senses — not like it? Enjoy!
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