Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you make responsible payments on credit card bills, you can maintain good credit scores. Consequently, you can be approved for credit cards for excellent credit to save money in many ways.

1. Sign-up bonuses with new credit card accounts

Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards hand out cash back bonus of hundreds of dollars. For example, Ink Business Unlimited Credit Card is currently offering $750 cash bonus after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

2. Cash back or travel rewards

There are many rewards credit cards that give you cash back or travel rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

For example, Citi Double Cash Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Blue Cash Preferred Card from American Express offers 6% cash back on grocery purchases, up to $6,000 per year.

3. Buy now and pay later, with no interest cost

Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

For example, Citi Custom Cash Card offers 0% Introductory APR for 15 billing cycles for purchases. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 15 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 15 billing cycles without incurring any interest fees.

4. Use balance transfers to minimize interest charges

Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 21 months, such as Citi Diamond Preferred Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 21 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

5. Free membership of Global Entry and TSA Pre✓

For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $120 for a five year membership.

A few travel credit cards, such as Chase Sapphire Reserve and IHG One Rewards Premier Credit Card, offer up to $120 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

6. Free checked bags

Many airlines charge $25 or $30 per bag on each leg, which means an additional cost of $50 or $60 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. United Explorer Card and United Quest Card offer its cardholders free checked bags on United flights.

7. Free access to airport lounges

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Chase Sapphire Reserve offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

8. Free in-flight food, drinks, and WIFI

Some credit cards give you airline credit of $100 or $200 annually to pay for airline fees or incidentals, such as airfare, baggage fees, in-flight drinks, refreshments and WIFI access. For example, The Platinum Card from American Express offers $200 annual airline credit.

9. Complimentary elite status of hotel membership

Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises. For example, Hilton Honors American Express Surpass Card offers complimentary Gold Status of Hilton Honors membership, and Hilton Honors American Express Card offers complimentary Hilton Honors Silver status.

10. Complimentary concierge services

Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Synchrony Premier World Mastercard and First Tech Odyssey Rewards World Elite Mastercard provide their cardholders with complimentary concierge services.

11. Complimentary car rental insurance

When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, USAA Eagle Navigator Credit Card offers auto rental coverage as a complimentary service to its cardholders.

12. Save on the cost of foreign currency exchange

When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred Card. When you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency. See more credit cards that have no foreign transaction fees.

13. Discounts on companion airfare

Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion. Delta SkyMiles Platinum American Express Card offers its cardholders a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year on your account anniversary.

14. Complimentary extended warranties

In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members. For example, Ink Business Premier Credit Card provides its cardholders with extended warranty coverage.

15. Complimentary price protection

Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

16. Improve credit score and save on loans

Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

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Museums on Us® by Bank of America

Bank of America has been running a program of Museums on Us® for over 20 years. This distinctive program offers its customers free admission to over 200 museums on the first full weekend of every month. If you are a Bank of America customer, you can then take advantage of this program to gain free entry to museums. Simply present your active Bank of America credit or debit card and a photo ID at any participating museum, you will gain one free general admission to any participating museum, excluding special exhibitions, ticketed shows and fundraising events.

Nice Perk for Bank of America Credit Card Customers

All cardholders of Bank of America credit cards are eligible to receive one free pass for each museum on the first weekend each month. You can visit as many museums as you wish. There is no limit on the number of museums to be visited during the promotional dates. Museum hopping is fun, especially when it is free of charge and you happen to be traveling to a new city. It is a great perk that can save you hundreds of dollars per year in value if you have one of the following eligible credit cards:

• Bank of America^® Customized Cash Rewards credit card
• Bank of America^® Unlimited Cash Rewards credit card
• Bank of America^® Travel Rewards credit card
• Bank of America^® Premium Rewards^® credit card

Free Museum Dates for the Next 12 Months

Museums on Us® runs the first Saturday and Sunday of every month. The following are the weekend dates of free admission for the next 12 months.

Jan 4, 2025 & Jan 5, 2025	Feb 1, 2025 & Feb 2, 2025	Mar 1, 2025 & Mar 2, 2025
Apr 5, 2025 & Apr 6, 2025	May 3, 2025 & May 4, 2025	Jun 7, 2025 & Jun 8, 2025
Jul 5, 2025 & Jul 6, 2025	Aug 2, 2025 & Aug 3, 2025	Sep 6, 2025 & Sep 7, 2025
Oct 4, 2025 & Oct 5, 2025	Nov 1, 2025 & Nov 2, 2025	Dec 6, 2025 & Dec 7, 2025

Participating Museum Locations for 2024

There are more than 200 museums that participate in the Museums on Us® in December, 2024. Museum participants include some of the largest and most visited museums, including Metropolitan Museum of Art in New York, Museum of Fine Arts in Boston, Philadelphia Museum of Art, Art Institute of Chicago, Los Angeles County Museum of Art, etc. You can find the complete list of museums that participate in the program here.

Eligible Credit Cards for Museums on Us

The following are a few Bank of America credit cards whose card members can enjoy the free museum admission of the Museums on Us® program:

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Museums on Us^® by Bank of America

Bank of America has a unique Museums on Us^® program, which offers its customers free admission to more than 200 museums on the first full weekend of each month. If you are a Bank of America customer, you can enjoy free general admission to any participating museum by presenting your active Bank of America credit card or debit card. Special exhibitions, ticketed shows and fundraising events are excluded.

Participating Museum Locations

There are over 200 museums that participate in the Museums on Us^® in 2024. Here is the complete list of participating museums.

Alaska Museums

Arizona Museums

Arkansas Museums

California Museums

Colorado Museums

Connecticut Museums

Delaware Museums

Florida Museums

Georgia Museums

Idaho Museums

Illinois Museums

Indiana Museums

Iowa Museums

Maine Museums

Maryland Museums

Massachusetts Museums

Michigan Museums

Minnesota Museums

Missouri Museums

Nevada Museums

New Hampshire Museums

New Jersey Museums

New Mexico Museums

New York Museums

North Carolina Museums

Ohio Museums

Oklahoma Museums

Oregon Museums

Pennsylvania Museums

Rhode Island Museums

South Carolina Museums

Tennessee Museums

Texas Museums

Virginia Museums

Washington Museums

Eligible Credit Cards for Museums on Us

Here are a few Bank of America credit cards that let card members enjoy the free museum admission of the Museums on Us® program:

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You rely on a cell phone to stay connected with people in your life. Sometimes your phone may be damaged or stolen. Fortunately, you may use a credit card to protect against potential theft or damage. A few credit cards, such as those issued by Wells Fargo, offer cardholders complimentary Cellular Telephone Protection to provide coverage against cell-phone theft or damage. All you need to do is just paying cell phone bill with your covered credit card each month. Then you will be reimbursed up to the allowable limit for damage to, theft of or an involuntary and accidental parting of your eligible cell phone.

Credit cards with complimentary Cellular Telephone Protection

Which credit cards offer complimentary Cellular Telephone Protection as one of the benefits? Here is the list of credit cards that provide this benefit.

Credit Cards that offer Cell Phone Protection

Credit Card		Cell Phone Protection	Annual Fee
	Mastercard® Gold Card™	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$995 ($295 for each authorized user added to the account)
	Mastercard® Black Card™	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$495 ($195 for each authorized user added to the account)
	Mastercard® Titanium Card™	Up to $800 protection on your cell phone (subject to $50 deductible) maximum of $1,000 on 2 paid claims per 12-month period	$195 ($95 for each authorized user added to the account)

How does Cellular Telephone Protection work

You don’t need to enroll for the benefit of Cellular Telephone Protection. If you pay your wireless phone bill with one of the above covered credit cards, you are eligible for this Protection. Coverage begins the first day of the calendar month after you make a payment. Then if your cell phone is stolen or damaged, you will be eligible for reimbursement of the amount up to the maximum allowable limit, usually between $600 and $800, subject to a deductible of as low as $25. Cell phones that have been rented, borrowed, prepaid phones and lost phones are not covered by this Protection. If you have other insurance that applies, such as homeowner’s or employers’ insurance policies, this Protection is supplemental and applies only to the extent the other insurance does not cover.

What to do if your cell phone is stolen or damaged

You need to contact the customer services of your covered credit card to provide some preliminary claim information and to request an appropriate claim form. Phone number of the customer services can be found on the back of your card. Keep in mind, if your cell phone is stolen, you must first file a police report within 48 hours of becoming aware of the theft. To file a claim, you typically need to notify your credit-card company within 60 days and submit your completed claim form and supporting documentation within 90 days of the theft or damage.

What paperwork to submit with your claim

In addition to the claim form, you may need to provide the following supporting documentation:

• Your cellular wireless billing statement showing you paid the prior month’s cell phone bill with your covered card
• If the claim is due to theft or criminal action, a police report filed within 48 hours of the event.
• A copy of the device summary page from your cellular wireless phone bill or other sufficient proof of the claimed cell phone model linked to your cell phone account repair estimate or replacement receipt.

Conclusion

Cell phones have become an essential tool in our lives. Losing a cell phone to theft or using a phone with cracked screen is painful. Fortunately, a number of credit cards provide Cell Phone Protection benefit. It is a very nice credit-card perk that may save a few hundred dollars a year.

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Priority Pass has been a leading airport lounge access program since 1992, providing travelers with access to airport VIP lounges around the world, regardless of the class of travel or airline flown. With over 1,200 airport lounges across 500 cities in over 140 countries worldwide, Priority Pass grants access to the largest network of airport lounges in the world. Frequent flyers, either on business travel or on family vacations, can enjoy a place to relax with complimentary refreshments. Most international lounges offer showers, email, internet and conference space.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Each class of membership provides varying levels of access. A fourth class of membership, Priority Pass Select, is specially designed for customers who receive their Priority Pass membership through premium credit cards. The benefits of Priority Pass Select for different credit cards vary in terms of fees or access. Among all credit cards that include Priority Pass Select as a perk for customers, Chase Sapphire Reserve^® and Marriott Bonvoy Brilliant^® American Express^® Card offer the best package of benefits, which give cardholders and their travel companions unlimited access to participating Priority Pass lounges for free.

Participating Airport Lounges

Whether you travel infrequently or are a seasoned, regular traveler, Priority Pass can ensure that your journey always begins stress free at one of 1,200+ participating airport lounges worldwide. The following is a list of select airports in the United States and Canada with participating VIP lounges in the Priority Pass program. For a complete list of participating lounges, visit prioritypass.com.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

Complimentary Priority Pass Select Membership by Luxury Card

If you are a cardholder of Mastercard^® Gold Card™ or Mastercard^® Black Card™, you will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your credit card is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership allows you and your travel companions to enjoy unlimited visits to participating airport lounges worldwide.

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Mastercard® Gold Card™  Hide Benefits Show Benefits	20.49% to 28.49% APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 20.49% to 28.49% APR after that	$995 ($295 for each Authorized User added to the account)	Very Good To ExcellentApply NowView Card Details
Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards. Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.
Mastercard® Black Card™  Hide Benefits Show Benefits	20.49% to 28.49% APR	0% intro APR for 15 billing cycles on balance transfers made in the first 45 days 20.49% to 28.49% APR after that	$495 ($195 for each Authorized User added to the account)	Very Good To ExcellentApply NowView Card Details
Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards. Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values. Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year. Up to a $120 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest. 24/7 Luxury Card Concierge®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers. Exclusive Luxury Card Travel® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits. Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between. Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Mastercard® Gold Card™

Apply Now

• Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
• Offers a flat-rate redemption value of 2% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

• Annual Airline Credit-up to $200 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Gold Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
• Up to a $120 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
• 24/7 Luxury Card Concierge^®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
• Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits.
• Made with 24K Gold: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
• Annual Fee: $995 ($295 for each Authorized User). Terms and conditions apply.

Show More »

Mastercard® Black Card™

Apply Now

• Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardholders can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
• Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

• Annual Airline Credit-up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Cardholders simply pay for airline purchases with their Mastercard Black Card and the credit is automatically applied to their account. There's no need to activate or designate an airline. The full credit amount is available at the start of the calendar year.
• Up to a $120 application fee credit for the cost of TSA Pre✓^® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,500+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
• 24/7 Luxury Card Concierge^®-Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
• Exclusive Luxury Card Travel^® benefits-average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard^® benefits.
• Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
• Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.

Show More »

Priority Pass Select by Luxury Card Stacks Up Against Competition

A few high-end travel credit cards provide complimentary Priority Pass Select membership. Benefits depend on the affiliated credit cards and are actually not identical. Some memberships have restrictions on guests and lounge visits. Priority Pass Select by Luxury Card has the most compelling package of rich benefits for frequent travelers. The following table is the comparison of Priority Pass Select by market-leading premium travel cards.

Priority Pass Select is a special type of membership that some premium travel credit cards offer through the Priority Pass network. Each credit card issuer has its own agreement with PriorityPass. Consequently, Priority Pass Select memberships are not the same for different cards in terms of benefits. Priority Pass Select by Luxury Card has the best value because it gives members unlimited free visits to lounges for themselves and their guests, including any family members and friends on the same travel itinerary. Luxury Card differentiates itself from the other credit cards with Priority Pass that have limited guests, limited lounge visits, or both.

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a real treat when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Luxury Card offers its cardholders of Mastercard Gold Card or Mastercard Black Card the utmost pleasant experience in airport layovers through its Priority Pass Select program.

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Postmates Unlimited is the subscription service offered by Postmates, which is an American logistics company that operates a network of couriers who deliver goods locally. Typical goods delivered by Postmates are food, drinks, or groceries. For $9.99 a month or $95.88 per year, paid members receive free delivery on orders from all merchants on the Postmates platform when the order size is over $15.

Postmates was founded in 2011 and is headquartered in San Francisco, California. Its service rely on mobile phone applications and their Global Positioning System capabilities to quickly connect customers with local couriers who can deliver anything from any store or restaurant in minutes. Postmates operates in over 500 metropolitan areas in the United States. Its service coverage includes all major U.S. cities, such as San Francisco, Los Angeles, New York City, Chicago, Miami, Washington DC, Phoenix, Seattle, Atlanta, Las Vegas, Portland, Denver, Houston, Dallas, Philadelphia, Boston, etc.

Credit Card with Complimentary Postmates Unlimited

Between December 2018 and December 2019, Capital One Savor Cash Rewards Credit Card offered its card members a monthly statement credit for a Postmates Unlimited membership fees. This credit-card promotion has expired. However, it is still a good cash back credit card for ordering food delivery services from Postmates or similar businesses.

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