One of the benefits of several credit cards is an airline incidental credit. These are usually offered on the cards with higher annual fees, so you want to use these benefits to make the annual fee seem lower. Using credit card airline incidental credits can be tricky because most things you can use don’t cost a lot. The following cards have an annual incidental credit:

• The Platinum Card® from American Express – $200 credit
• The Business Platinum Card® from American Express– $200 credit
• American Express Hilton Honors Aspire – $200 credit ($50 each quarter)
• Chase Ritz-Carlton (no longer available for new applications but available as a product change) – $300 credit

You need to pick one airline to use this credit with each card. This airline can be changed yearly, usually during the month of January, to use that year. You can access the airline selection screen by scrolling to your online account’s “Benefits” section.

 

 

 

These are the airlines you can pick from:

• Alaska Airlines
• American Airlines
• Delta Airlines
• Hawaiian Airlines
• JetBlue Airways
• Southwest Airlines
• Spirit Airlines
• United Airlines

The credit is intended for baggage fees, booking fees, in-flight food, and lounge admissions. You can also use the Ritz-Carlton card for seat upgrades. Let’s talk about some less obvious and better ways to use them. Warning: these are unauthorized uses, so proceed at your own risk, but they have worked for me!

 

TravelBank with United Airlines

This is how I use all of my incidental airline credits. I pick United as my airline of choice each year. You can reach the TravelBank area here. It looks like this:

 

 

When I press the purple button to fund my TravelBank account, I can buy two $100 certificates and use my card that offers this credit. I ended up with a $200 credit on United, which appears on my credit card statement.

 

Booking Southwest Flights for Less than $100

Another option if you select Southwest as your airline is to book flights for less than $100. This should trigger the credit. The key is to make sure the flight is under $100. Don’t have a flight you want to take that’s under $100? No problem. Book any flight under $100, and then you can cancel it to get a future flight credit to use later on. This is how Alex uses her $200 airline credit, which I used to do before my United TravelBank days.

 

 

Covering Airline Taxes/Fees

Every flight has some sort of taxes/fees, from $5.60 for one-way domestic flights to hundreds of dollars on international flights. These fees may vary by airline, but typically, your AMEX flight credit will work to cover these fees. I have mainly seen success with Southwest. Remember, this will only work for your designated airline.

 

 

Bottom Line

I always use credit card airline incidental credits so that my annual fees seem to cost less. Since I use the United TravelBank feature, I do this at the start of the year and don’t have to think about doing it again. How do you use your airline incidental credits?