Benefit type

Credit cards with spend-to-unlock benefits

Perks that only appear after you cross a spending threshold, like companion passes, elite nights and bonus credits. We track 11 on 9 cards from American Express and Chase, listed most valuable first.

Card	Benefit	Value	Resets	Per year
American Express Business Platinum Card	Dell Spend Bonus Spend $5,000 or more on eligible U.S. purchases directly with Dell Technologies in a calendar year and receive an additional $1,000 statement credit.	$1,000 per year	Annually	$1,000
Chase British Airways Visa Signature	Travel Together Ticket Spend $30,000 in a card year and get a Travel Together ticket. This can be used to halve the Avios booking cost for either 1 or 2 people.	~$500 per year	Annually	~$500
American Express Hilton Honors Aspire	Additional Free Night Reward Spend $30,000 on eligible purchases in a calendar year and earn an additional Hilton Free Night Reward.	~$300 per year	Annually	~$300
American Express Hilton Honors Surpass	Free Night Reward Spend $15,000 on eligible purchases in a calendar year and earn one Hilton Free Night Reward.	~$300 per year	Annually	~$300
American Express Hilton Honors Aspire	Second Additional Free Night Reward Reach $60,000 in eligible purchases in the same calendar year and earn another Hilton Free Night Reward.	~$300 per year	Annually	~$300
American Express Business Platinum Card	Adobe Credit Spend $600 or more on eligible U.S. purchases directly with Adobe in a calendar year and receive a $250 statement credit.	$250 per year	Annually	$250
Chase World of Hyatt	Additional Free Night Award Spend $15,000 in a calendar year and earn an additional Category 1–4 Hyatt Free Night Award.	~$200 per year	Annually	~$200
American Express Delta SkyMiles Gold	Delta Flight Credit Spend $10,000 on eligible purchases in a calendar year and earn a $200 Delta Flight Credit.	$200 per year	Annually	$200
Chase IHG One Rewards Premier	$100 Statement Credit Spend $20,000 in a calendar year and earn a $100 statement credit plus 10,000 bonus IHG points.	$100 per year	Annually	$100
Chase United Explorer	United TravelBank Credit Spend $10,000 in a calendar year and earn $100 in United TravelBank cash.	$100 per year	Annually	$100
Chase United Club	Award Flight Discount Spend $20,000 in a calendar year and earn a 10,000-mile award flight discount, up to twice per year.	Spend $20,000 to unlock	Annually	—

Spend-to-unlock benefits at a glance

9 cards offer spend-to-unlock benefits, from American Express and Chase.
Most valuable: Dell Spend Bonus on the Amex Business Platinum Card, up to $1,000 a year.
Of the 11 we track, 11 reset each calendar year.
Values are the issuer's published maximums if the benefit is fully used every period; actual value depends on what you use.

Spend-to-unlock benefits FAQs

Which card offers the most value from Spend-to-unlock benefits?

The Amex Business Platinum Card: Dell Spend Bonus is worth $1,000 per year.

How many cards have spend-to-unlock benefits?

9 of the cards we track: Amex Business Platinum Card, Chase British Airways Visa Signature, Amex Hilton Honors Aspire, Amex Hilton Honors Surpass, Chase World of Hyatt and Amex Delta SkyMiles Gold, and 3 more.

How often do Spend-to-unlock benefits reset?

Of the 11 we track, 11 reset each calendar year.

Last updated September 26, 2026. Benefit values and terms are set by card issuers and can change.

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