Master List of Credit Card Benefits Guides

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Most of the conversations surrounding frequent flyer programs focus on the best ways to earn and burn points and miles. But racking up rewards is just one part of the award travel hobby.

If you want to maximize the value of your rewards and the credit cards that earn them, you need to learn about other aspects of award travel. Loyalty program rules, stopovers, airline routing rules, discovering the incredible value to be leveraged from credit card benefits, and learning how to use more advanced tools like ITA Matrix and ExpertFlyer all need to be a part of your strategy.

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Travel rewards cards provide a host of perks. Everything from concierge services to the extensive insurance benefits and purchase protections, complimentary elite status, and high-value travel credits. Unfortunately, benefits are often buried deep in each card's terms and conditions, written in legalese only a Yale graduate can understand. So many perks remain a mystery to cardholders.

Quick Links to the “Best of” for Each Category

Guides to Benefits for Travel Rewards Credit Cards

Hidden away in the welcome pack of your credit card is typically a link to a Guide to Benefits. Every credit card provider orders and labels the guides differently, but the guides list benefits associated with each card, a brief description of the perk, specifics of what it covers, and information on how to claim the benefit.

The Guides to Benefits' don't typically cover big-ticket perks such as signup bonuses or lounge access. Instead, they include details of the insurance coverage and purchase protections offered by the card, providing details on trip delay and cancellation coverage, lost luggage insurance, and guarantees on items purchased with the card.

List of Guides to Benefits for Travel Rewards Credit Cards

Credit CardProviderRewards ProgramGuide to Benefits Links
American Express Credit and Charge CardsAmerican ExpressCovers all American Express issued cardsAmerican Express Guide to Benefits
AAdvantage® Aviator® Red World Elite Mastercard®BarclaysAmerican AAdvantageAviator Red Guide to Benefits
Barclaycard Arrival Plus® World Elite Mastercard® (See Terms)BarclaysArrival MilesArrival Plus Guide to Benefits
Uber Visa CardBarclaysCash BackUber Visa Guide to Benefits
Capital One Visa & MasterCard BenefitsCapital OneCovers all Capital One issued cardsCapital One Guide to Benefits
Chase Sapphire Reserve®ChaseUltimate RewardsSapphire Reserve Guide to Benefits
Chase Sapphire Preferred® CardChaseUltimate RewardsChase Sapphire Preferred® Card (Visa Signature) Guide to Benefits
Ink Business Preferred℠ Credit CardChase Ultimate RewardsInk Preferred Benefits Guide
Ink Business Cash℠ Credit CardChaseUltimate RewardsInk Cash Benefits Guide
Chase Slate® credit cardChaseN/AChase Slate Guide to Benefits
Chase Freedom®ChaseUltimate RewardsFreedom Card (Visa Signature) Guide to Benefits
Chase Freedom Unlimited®ChaseUltimate RewardsFreedom Unlimited (Visa Signature) Guide to Benefits
Ink Plus® Business Credit CardChaseUltimate RewardsInk Plus Guide to Benefits
AARP® Credit Card from ChaseChaseN/AAARP Credit Card Guide to Benefits
Southwest Rapid Rewards® Plus Credit Card &
Southwest Rapid Rewards® Premier Credit Card
ChaseRapid RewardsSouthwest Cards (Visa Signature) Guide to Benefits
Southwest Rapid Rewards® Premier Business Credit CardChaseRapid RewardsSouthwest Business Card Guide to Benefits
United℠ Explorer CardChaseMileagePlusMileagePlus Explorer (Visa Signature) Guide to Benefits & 6/1/2018 Update - direct download


United MileagePlus® Club CardChaseMileagePlusMileagePlus Club Card Guide to Benefits
United MileagePlus® Presidential Plus℠‎ CardChaseMileagePlusUnited Presidential Plus Card Guide to Benefits
The Ritz-Carlton Rewards® Credit CardChaseRitz-Carlton RewardsRitz-Carlton Card Guide to Benefits & Benefits Summary
The Hyatt Credit CardChaseWorld of HyattHyatt Card Guide to Benefits
IHG® Rewards Club Select Credit CardChaseIHG Rewards ClubIHG Rewards Club Guide to Benefits
Marriott Rewards® Premier Credit CardChaseMarriott RewardsMarriott Rewards Card Guide to Benefits
Citi Prestige® CardCitiThankYou RewardsPrestige Card Guide to Benefits
Citi Premier CardCitiThankYou RewardsThankYou Premier Guide to Benefits
Wells Fargo Cash Wise Visa® CardWells FargoGo Far RewardsWells Fargo Visa Guide to Benefits
Wells Fargo Propel American Express® CardWells FargoGo Far RewardsWells Fargo Propel Amex Guide to Benefits
Wells Fargo Visa Signature® CardWells FargoGo Far RewardsWells Fargo Visa Signature Guide to Benefits

There can be distinct differences between benefits offered with similar credit cards. Just because two cards are listed as Visa Platinum, Signature, or Infinite products, doesn’t mean they will provide the same benefits or coverage. It’s important to go over the guide to benefits for your specific credit card and check the conditions and coverage of each benefit.

Final Thoughts

Understanding the Guide to Benefits for your credit card can potentially save you thousands of dollars. The guides detail specifics on how to claim a benefit, what the benefit will cover, in addition to listing exclusions and exceptions, keeping you up to date with the coverage offered with your card.

Have a link to a Guide to Benefits we've missed? Let us know in the comments, and we'll get it added to the list.

For rates and fees of the cards mentioned in this post, please visit the following links: Barclaycard Arrival Plus® World Elite Mastercard® (See Terms)

Master List of Credit Card Benefits Guides
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