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When you think of premium travel rewards credit cards, perks like free checked bags, rental car coverage, and trip delay insurance probably come to mind. But many of these same cards also pack a surprising amount of value outside of travel.
From cell phone protection to dining credits and exclusive event access, the right rewards card can save you money and unlock experiences even when you’re not traveling. In fact, these non-travel perks can add up to hundreds or even thousands of dollars in long-term value, making them just as important as the other rewards on the cards.
Here is our list of non-travel benefits offered by travel rewards-earning credit cards.
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Non-Travel Benefits of Rewards Credit Cards
Cell phone protection
We cover how to get free cell phone insurance through credit cards in a dedicated post. But, in short, loss or damage to your cell phone could be covered if you use the right card to pay your cellular bill each month. Most cards offering this benefit cover between $500 and $1,000 per claim with deductibles as low as $25, depending on the card.
Theft, water damage, and a non-functional device are some of the covered reasons available with cell phone protection from a credit card. Policies often don't cover cosmetic damage, phone accessories, or phones purchased for resale. The list of what's covered and what isn't depends on the credit card, so be sure to understand your card's benefits and which card is best for this feature.
Concierge benefits
Premium rewards cards like the Chase Sapphire Reserve® and the American Express Platinum Card® offer cardholders a dedicated concierge. The Platinum Card® Concierge, for example, can arrange for reservations at hard-to-book restaurants, tickets for a concert, and more. You just call the number on the back of your card to reach a concierge.
The concierge is best contacted for items that aren't explicitly travel- or vacation-related. Most card providers are now home to a travel division better equipped to handle those requests. The bill for whatever service or purchase you require will be charged to your card. The concierge service itself is free.
- You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
- More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
- More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
- More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
- More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
- New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
- More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
- Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
- New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That's up to $300 in statement credits each calendar year. Enrollment required.
- $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
- $100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That's up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- $895 annual fee.
- Terms Apply.
- Rates & Fees
- Earn 5X points for flights booked directly with airlines or with American Express Travel® (up to $500,000 in purchases per calendar year).
- Earn 5X points on prepaid hotels booked with American Express Travel®.
- Earn 5X points on Fine Hotels + Resorts® and The Hotel Collection bookings.
Food delivery and dining credits
A useful lifestyle perk, some credit cards offer food delivery service memberships or dining credits. For example, the Marriott Bonvoy Brilliant® American Express® Card comes with an annual $300 dining credit in the form of $25 per month statement credits that you can also use on Uber Eats.
The American Express® Gold Card offers up to $120 dining credit ($10 per month) in statement credits. The Amex Gold dining credit can only be used at Five Guys, Grubhub, The Cheesecake Factory, Goldbelly, and Wine.com. Enrollment is required for select Amex benefits.
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That's up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
- Rates & Fees
- 4X Membership Rewards® Points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)
- 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
- 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- 2X Membership Rewards® points on prepaid hotels and other eligible travel booked on amextravel.com
- 1X on other eligible purchases
Select Chase cardholders get a complimentary DashPass membership. DashPass members get $0 delivery fee and 5% DoorDash credit on pickup orders. After activating your eligible Chase card to receive your DashPass membership, you could earn up to $10 quarterly off of DoorDash non-restaurant orders, including those made at convenience stores and grocery stores. The best DoorDash benefits are found on the Chase Sapphire Reserve®, which gets free DashPass through December 31, 2027, two $10 promos for non-restaurant orders each month, plus one monthly $5 credit for restaurants.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music - all the music you love, across all your devices. Subscriptions run through 6/22/27 - a value of $250 annually
- Member FDIC
- Rates & Fees
- 8x points on all purchases through Chase Travel℠
- 4x points on flights and hotels booked directly
- 3x points on dining worldwide
- 1x points on all other purchases
Related: Use These Credit Cards for Free Food Delivery Perks
Entertainment and exclusive event access
Numerous credit cards offer exclusive event access, such as tickets to concerts, festivals, and sporting events.
Platinum Card® cardmembers can attend curated events through Amex's Premium Events Collection. Events include fashion, art, dining, sports, and music or theatre productions. Tickets can be purchased with your card.
American Express® Preferred Seating offers advanced ticket sales and preferred seating for concerts, sporting events, and other big-ticket entertainment. Access is free to holders of dozens of Amex cards, all listed on the Preferred Seating website.
Capital One Entertainment gives all Capital One cardholders access to presale and VIP ticket packages as well as on-site amenities like Capital One-sponsored lounges. Through the entertainment portal, cardholders have the opportunity to redeem Capital One miles for cheap infield MLB tickets.
Chase Experiences includes dining events hosted by The Infatuation, seats at The U.S. Open, and more.
Finally, Citi Entertainment®, available to cardholders of the Citi Strata Premier® Card, the Citi Double Cash® Card, and others, offers presale tickets to concerts and sporting events and is available to all Citi cardholders.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases.
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card.
- No Foreign Transaction Fees on purchases.
- 10X on Hotels, Car Rentals, and Attractions booked through CitiTravel.com
- 3X – Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases
- 3X – Earn 3 Points per $1 spent on Restaurants
- 3X – Earn 3 Points per $1 spent on Supermarkets
- 3X – Earn 3 Points per $1 spent on Gas and EV Charging Stations
- 1X – Earn 1 Point per $1 spent on All Other Purchases
Purchase protection
The more you spend, the more points and miles you earn toward travel. Another great perk of using credit cards to purchase things like electronics or appliances is purchase protection on some of those costly purchases.
Purchase protection includes things like extended warranties, guaranteed returns, and purchase security. Reading the fine print attached to these credit card benefits can potentially save you thousands of dollars. Here's an overview of what purchase protections your card could offer:
- Price protection: If you purchase an item and see a lower advertised price within the next 90 days, many premium cards will reimburse you the difference up to a specified value per item (with limits per account) each year. The card issuer sets price protection limits, so check your benefits guide for details.
- Extended warranty: When you purchase items like televisions with your Visa, Mastercard, or Amex, chances are your purchase is covered by an extended warranty for repair or replacement. The coverage differs by provider, but in some cases can include products worth up to $10,000 in value.
- Guaranteed returns: If you’re not happy with a purchase and the merchant won’t accept a return, your card issuer may reimburse you for the purchase price. Items must be returned to your benefits administrator in a “like new” condition with original packaging and receipts within 90 days of purchase.
- Purchase security: If an item purchased using your card (or points earned via the card) is lost due to “theft, damage, or involuntary and accidental parting,” typically within the first 120 days after purchase, it may be covered by your card issuer. Coverage varies widely (from $500 to $10,000 per item) between providers, so be sure to check your benefits guide.
Final Thoughts
With some of these benefits offering up to $10,000 in value per claim, these perks are not to be ignored and can potentially return more than the value of the rewards garnered from your credit cards. They also deliver access to one-of-a-kind events and experiences.
While this isn't a comprehensive list of all of the non-travel-related benefits available on your credit cards, those listed above are some of our favorites that offer unique value to cardholders across a broad spectrum of cards.
Have a non-travel-related card perk you’d like to share? Get in touch via the comments below with your favorite benefit.
For rates and fees of the cards mentioned in this post, please visit the following links: American Express Platinum Card® (Rates & Fees), American Express® Gold Card (Rates & Fees), Chase Sapphire Reserve® (Rates & Fees), and Citi Strata Premier® Card (Rates & Fees)
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