As credit card annual fees continue to climb, it’s natural to start questioning how much value you’re getting from adding a new card to your wallet. This is especially true since multiple cards out there charge no annual fee.
However, there can be solid reasons to pay an annual fee. Many popular rewards cards come with an annual fee but provide outsize value in the form of statement credits, welcome bonuses and other quantifiable perks.
Let’s examine our top cards, which actually provide more than $1,000 in value in your first year of card membership.
Methodology
Here are the four factors we considered to arrive at these values:
- Welcome offer: We assigned a dollar amount to a card’s welcome offer based on TPG’s September 2025 valuations.
- Annual statement credits: We counted credits toward travel, dining, resort stays and other categories.
- Quantifiable perks and benefits: We added benefits that can be assigned a specific dollar amount. This means we excluded factors that aren’t as quantifiable, such as lounge access and elite status. We also excluded anniversary benefits that only apply to the second year of card membership.
- Annual fee: We subtracted the annual fee from the card’s overall value. Even after subtracting this amount, all the cards listed still provide more than $1,000 in first-year value.
Finally, note that just because a card didn’t make this list doesn’t mean it can’t provide this type of value. Cards not on this list provide value on a case-by-case basis.
Related: Are premium credit cards worth the annual fee?
Cards that provide $1,000-plus in first-year value
CardWelcome offer value*Total potential first-year value Annual fee Net first-year value The Business Platinum Card® from American Express$4,000Up to $7,209$895 (see rates and fees)Up to $6,314The Platinum Card® from American ExpressUp to $3,500Up to $6,704$895 (see rates and fees)Up to $5,809 Chase Sapphire Reserve for Business℠ (see rates and fees)$4,100$6,240$795$5,445 Chase Sapphire Reserve® (see rates and fees)$2,563$4,873$795$4,078 American Express® Gold CardUp to $2,000Up to $2,424$325 (see rates and fees)Up to $2,099Ink Business Preferred® Credit Card$1,845$1,845$95$1,750Citi Strata Elite℠ Card (see rates and fees)$1,520Up to $2,340$595Up to $1,745Chase Sapphire Preferred® Card (see rates and fees)$1,538$1,804$95$1,709Atmos™ Rewards Summit Visa Infinite® Credit Card$1,875$1,995$395$1,600 United Quest℠ Card (see rates and fees)$910$1,920$350$1,570Capital One Venture Rewards Credit Card$1,388Up to $1,508$95Up to $1,413Capital One Venture X Rewards Credit Card$1,388Up to $1,808$395Up to $1,413Hilton Honors American Express Aspire Card$750$1,559$550 (see rates and fees)$1,009
*The welcome offer value is determined using TPG’s September 2025 valuations and is not provided by or reviewed by the issuer.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
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Now that we’ve introduced the 13 cards providing at least $1,000 in first-year value, let’s dive into the specifics to help you decide which is best for you.
The Business Platinum Card from American Express
For small-business owners, The Business Platinum Card from American Express can yield a ton of value in the first year, thanks to the array of perks on the card.
THE POINTS GUY
Most benefits come as statement credits, many of which specifically connect to business-related expenses.
Quantifiable benefit Perk detailsValueWelcome bonusEarn 20,000 points after spending $20,000 on eligible purchases within the first three months of card membership$4,000, per TPG’s September 2025 valuationsDell statement creditUp to $150 back on U.S. purchases directly with Dell Technologies and an additional $1,000 after spending $5,000 on purchases with Dell each calendar year**Up to $1,150Hotel creditUp to $600 each calendar year (up to $300 in semi-annual statement credits) on prepaid bookings with Amex Fine Hotels + Resorts or The Hotel Collection^^ properties made through American Express Travel; The Hotel Collection requires a two-night minimum stay$600Indeed statement creditUp to $360 each calendar year (up to $90 in quarterly statement credits) on all Indeed hiring and recruiting products and services to post open positions and find talent**$360Adobe statement creditUp to $250 annual statement credit after spending $600 or more on U.S. purchases directly with Adobe each calendar year (subject to auto-renewal)**$250Clear Plus statement creditUp to $209 credit toward an annual Clear membership for expedited airport security (subject to auto-renewal)**$209Airline incidental statement credits on one selected airlineUp to $200 in statement credits per calendar year on incidentals, such as checked bags and inflight refreshments, on one selected airline$200Hilton statement creditsUp to $200 each calendar year (up to $50 in statement credits per quarter) for eligible purchases made in the Hilton portfolio; separate enrollment in Hilton for Business required**$200Global Entry or TSA PreCheck application fee credits$120 credit for Global Entry every 4 years or up to $85 for TSA PreCheck every four or 4 1/2 years**$120Wireless creditUp to $120 each calendar year (up to $10 in statement credits per month) for purchases made with U.S. wireless telephone services**$120
**Enrollment is required.
^^Eligible charges vary by property.
- Total potential first-year value: Up to $7,209
- Annual fee: $895
- Net first-year value: Up to $6,314
Along with its quantifiable benefits, the Amex Business Platinum provides elite status with Marriott and Hilton (enrollment is required) and access to the American Express Global Lounge Collection, which includes access to more than 1,400 lounges.
Plus, high-spending business owners could unlock valuable perks. You can earn up to $1,200 in statement credits for flights booked through amextravel.com and up to $2,400 in One AP statement credits (subject to auto-renewal)after spending $250,000 on eligible purchases. This is valid from Jan. 1 to Dec. 31 the calendar year after the $250,000 spending threshold is met.
To learn more, read our full review of the Amex Business Platinum.
Apply here: The Business Platinum Card from American Express
The Platinum Card from American Express
The Platinum Card from American Express is one of the best travel cards available for luxury travelers because of its extensive lineup of perks.
THE POINTS GUY
These quantifiable benefits are only part of the equation.
Quantifiable benefit Perk detailsValueWelcome offerFind out your offer and see if you are eligible for as high as 175,000 points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.Up to $3,500, per TPG’s September 2025 valuationsHotel creditUp to $600 each calendar year (up to $300 in semi-annual statement credits) on prepaid bookings with Amex Fine Hotels + Resorts or The Hotel Collection^^ properties made through American Express Travel; The Hotel Collection requires a two-night minimum stay$600Resy creditUp to $400 each calendar year (up to $100 in quarterly statement credits) for Resy purchases in the U.S.**$400Digital entertainment creditsUp to $300 each calendar year (up to $25 in monthly statement credits) for select digital entertainment and streaming services**$300Lululemon creditUp to $300 each calendar year (up to $75 in quarterly statement) credits for Lululemon purchases online and in U.S. stores, excluding outlets**$300Equinox creditUp to $300 in annual statement credits for select Equinox memberships, including the app (subject to auto-renewal)**$300Clear Plus statement creditUp to $209 toward an annual Clear membership for expedited airport security (subject to auto-renewal)**$209Uber CashUp to $200 each calendar year (up to $15 per month, plus an additional up to $20 in December) toward U.S. Uber rides and Uber Eats orders^$200Airline incidental credits on one selected airlineUp to $200 in statement credits per calendar year on incidentals, such as checked bags and inflight refreshments, on one selected airline$200Oura Ring hardware creditUp to $200 in annual statement credits for hardware purchase with Oura Ring each calendar year**$200Walmart+ creditUp to $155 each calendar year (up to $12.95 in monthly statement credits) for one recurring Walmart+ membership (subject to auto-renewal; plus applicable taxes); Plus Up benefits are not eligible$155Uber One membershipUp to a $120 statement credit each calendar year that fully covers an auto-renewing $96 annual or $9.99 monthly membership**$120Global Entry or TSA PreCheck application fee credits$120 credit for Global Entry every 4 years or up to $85 for TSA PreCheck every four or 4 1/2 years**$120Saks Fifth Avenue creditsUp to $100 each calendar year year (up to $50 in semiannual statement credits) for Saks Fifth Avenue**$100
**Enrollment is required.
^Add your qualifying Amex card to your Uber account and pay with any Amex card.
^^Eligible charges vary by property.
- Total potential first-year value: Up to $6,704
- Annual fee: $895
- Net first-year value: Up to $5,809
Like its business counterpart, the Amex Platinum also grants lounge access and Marriott and Hilton elite status (enrollment required). You’ll also receive rental car privileges, access to Amex Fine Hotels + Resorts, travel and purchase protections and access to the Amex Platinum concierge.
Keep in mind, our calculations did not include the value of these perks since they are not quantifiable.
To learn more, read our full review of the Amex Platinum.
Apply here: The Platinum Card from American Express
Chase Sapphire Reserve for Business
In 2025, Chase introduced its premium business card, the Chase Sapphire Reserve for Business, oriented toward high-spending business owners who could maximize the multiple credits offered by the product.
THE POINTS GUY
Many of the benefits are statement credits toward purchases that business owners may find themselves making.
Quantifiable benefitPerk detailsValueWelcome offerEarn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.$4,100, per TPG’s September 2025 valuationsThe Edit creditUp to $500 each year (up to $250 from January through June and up to $250 from July through December) on stays of at least two nights booked through The Edit$500ZipRecruiter creditUp to $400 each year (up to $200 from January through June and up to $200 from July through December) for purchases made directly with ZipRecruiter through Dec. 31, 2027$400Travel creditUp to $300 in statement credits each account anniversary year for a broad suite of travel purchases$300DoorDash non-restaurant creditTwo separate $10 monthly credits toward non-restaurant purchases on DoorDash when you activate your DashPass membership by Dec. 31, 2027$240Google Workspace creditUp to $200 statement credit for purchases made directly with Google Workspace for AI tools for business through Dec. 31, 2027$200Global Entry, TSA PreCheck or Nexus application fee creditsUp to $120 statement credit every four years$120Lyft creditsUp to $120 each year (up to $10 in monthly in-app credit) on Lyft rides through Sept. 30, 2027$120DoorDash DashPass subscriptionAt least 12 months of complimentary DashPass when you activate by Dec. 31, 2027$100Giftcards.comEarn up to $100 in statement credits (up to $50 from January through June and up to $50 from July through December) on gift card purchases made through giftcards.com/reservebusiness through Oct. 31, 2028$100DoorDash restaurant creditA $5 monthly promo for restaurant orders on DoorDash through Dec. 31, 2027$60
- Total potential first-year value: $6,240
- Annual fee: $795
- Net first-year value: $5,445
The Sapphire Reserve for Business also offers lounge access, IHG One Rewards Platinum Elite status through Dec. 31, 2027, and Visa Infinite purchase protection and travel insurance perks.
To learn more, read our full review of the Chase Sapphire Reserve for Business.
Apply here: Chase Sapphire Reserve for Business
Chase Sapphire Reserve
The premium Chase Sapphire Reserve was revamped in 2025 to include a long list of new statement credits that help offset the card’s high $795 annual fee.
THE POINTS GUY
Still, the Sapphire Reserve’s annual travel credit is one of the most flexible credits available, making it easy to maximize that part of its first-year value.
Quantifiable benefitPerk detailsValueWelcome offerEarn 125,000 bonus points after spending $6,000 on purchases in the first three months of account opening.$2,563, per TPG’s September 2025 valuationsThe Edit creditUp to $500 each year (up to $250 from January through June and up to $250 from July through December) on stays of at least two nights booked through The Edit$500Travel creditUp to $300 each account anniversary year for a broad suite of travel purchases$300StubHub and Viagogo creditUp to $300 each year (up to $150 from January through June and up to $150 from July through December) for purchases with StubHub and Viagogo through Dec. 31, 2027. Activation is required$300Dining creditUp to $300 each year (up to $150 from January through June and up to $150 from July through December) for Sapphire Reserve Exclusive Tables$300Apple creditUp to $250 Complimentary Apple TV+ and Apple Music subscriptions each year. A one-time activation is required. These subscriptions run through June 22, 2027$250DoorDash non-restaurant creditTwo separate $10 monthly credits toward non-restaurant purchases on DoorDash when you activate your DashPass membership by Dec. 31, 2027$240Global Entry, TSA PreCheck or Nexus application fee creditsUp to $120 every four years$120Lyft creditsUp to $120 each year (up to $10 in monthly in-app credit) on Lyft rides through Sept. 30, 2027$120DoorDash DashPass subscriptionAt least 12 months of complimentary DashPass when you activate by Dec. 31, 2027$120DoorDash restaurant creditA $5 monthly promo for restaurant orders on DoorDash through Dec. 31, 2027$60
- Total potential first-year value: $4,873
- Annual fee: $795
- Net first-year value: $4,078
Note that this calculation does not include perks like lounge access and complimentary IHG One Platinum elite status, as these are difficult to quantify.
To learn more, read our full review of the Sapphire Reserve.
Apply here: Chase Sapphire Reserve
American Express Gold Card
The American Express Gold Card is one of the best cards out there for foodies because of its dining-focused perks.
THE POINTS GUY
Here’s what to know about this solid Membership Rewards-earning card.
Quantifiable benefitPerk detailsValueWelcome offerFind out your offer and see if you are eligible for as high as 100,000 points after spending $6,000 on purchases within the first six months of card membership. Welcome offers vary and you may not be eligible for an offer.Up to $2,000, per TPG’s September 2025 valuationsUber CashUp to $120 each calendar year (up to $10 per month) in Uber Cash toward U.S. Uber rides and Uber Eats orders^$120Dining creditUp to $120 each calendar year (up to $10 per month) in dining statement credits at participating restaurants**$120Resy creditUp to $100 each calendar year (up to $50 in biannual statement credits) for purchases at U.S. Resy restaurants**$100Dunkin’ creditUp to $84 each calendar year (up to $7 in monthly statement credits) for purchases with U.S. Dunkin’ locations**$84
**Enrollment is required. Terms apply.
^Add your qualifying Amex card to your Uber account and pay with any Amex card.
- Total potential first-year value: $2,424
- Annual fee: $325
- Net first-year value: $2,099
This card can provide some serious value if you’re willing to use all of the credits and make the most of the welcome bonus.
To learn more, read our full review of the Amex Gold.
Apply here: American Express Gold Card
Ink Business Preferred Credit Card
In addition to the fantastic welcome bonus offered by the Ink Business Preferred, this card’s primary value is its earning structure.
THE POINTS GUY
Regardless, the Chase Ultimate Rewards points you’ll receive from the welcome bonus catapult this card’s first-year value to over $1,000.
Quantifiable benefitPerk detailsValueWelcome offerEarn 90,000 bonus points after spending $8,000 on purchases in the first three months from account opening$1,845, per TPG’s September 2025 valuations
- Total potential first-year value: $1,845
- Annual fee: $95
- Net first-year value: $1,750
Here are the related earning rates, which could be beneficial depending on your spending habits:
- 3 points per dollar spent on the first $150,000 in combined purchases in the following categories each account anniversary year: travel, shipping, advertising, internet, cable and phone services
- 1 point per dollar spent on everything else
Value from the earning structure can be hard to quantify since it depends entirely on your spending habits.
This card only charges a $95 annual fee, making it easy to consider keeping it for the long term.
To learn more, read our full review of the Ink Business Preferred.
Citi Strata Elite Card
THE POINTS GUY
Here’s what to know about the card:
Quantifiable benefitPerk detailsValueWelcome offerEarn 80,000 bonus points after spending $4,000 on purchases in the first three months from account opening.$1,520, per TPG’s September 2025 valuationsHotel creditUp to $300 off a prepaid hotel stay (minimum two-night stay) when booked through Citi Travel each calendar yearUp to $300Splurge creditUp to $200 in statement credits each calendar year on your choice of up to two brands: 1stDibs, American Airlines, Best Buy, Future Personal Training and Live Nation.Up to $200Blacklane creditUp to $200 each calendar year (up to $100 in biannual statement credits) for Blacklane chauffeur bookingsUp to $200Global Entry or TSA PreCheck application fee creditsUp to $120 every four years$120
- Total potential first-year value: Up to $2,340
- Annual fee: $595
- Net first-year value: Up to $1,745
The Strata Elite’s quantifiable benefits don’t include the card’s four Admirals Club Citi Strata Elite passes each calendar year, Priority Pass membership and solid points earning in multiple bonus categories.
To learn more, read our full review of the Citi Strata Elite.
Apply here: Citi Strata Elite Card
Chase Sapphire Preferred Card
The Chase Sapphire Preferred is one of the best cards for beginners.
THE POINTS GUY
Much of the value of the Sapphire Preferred comes from its welcome bonus. However, that’s not the only quantifiable benefit for its $95 annual fee.
Quantifiable benefitPerk detailsValueWelcome offerEarn 75,000 bonus points after spending $5,000 on purchases in the first three months of account opening$1,538, per TPG’s September 2025 valuationsDoorDash non-restaurant creditUp to $10 each month toward non-restaurant purchases on DoorDash when you activate your DashPass membership by Dec. 31, 2027$120DoorDash DashPass subscriptionAt least 12 months of complimentary DashPass when you activate by Dec. 31, 2027$96Hotel creditUp to $50 annual credit on hotel stays purchased through Chase Travel$50
- Total potential first-year value: $1,804
- Annual fee: $95
- Net first-year value: $1,709
You’ll also receive a 10% points bonus on your cardmember anniversary based on the total amount you spent in the previous year. However, since the value of this perk depends on your spending activity, it’s not included in the above calculation.
To learn more, read our full review of the Sapphire Preferred.
Apply here: Chase Sapphire Preferred Card
Atmos Rewards Summit Visa Infinite Credit Card
The announcement of the Atmos Rewards loyalty program for Alaska Airlines and Hawaiian Airlines loyalists came with the rollout of the premium Atmos Rewards Summit Visa Infinite Credit Card.
THE POINTS GUY
Here’s what to know about this excellent airline card:
Quantifiable benefitPerk detailsValueWelcome offerEarn 100,000 bonus points and a 25,000-point Global Companion Award after spending $6,000 or more in the first 90 days of account opening.$1,875, per TPG’s September 2025 valuationsGlobal Entry or TSA PreCheck application fee creditsUp to $120 every four years$120
- Total potential first-year value: $1,995
- Annual fee: $395
- Net first-year value: $1,600
This card provides solid first-year value along with a suite of non-quantifiable benefits, such as eight Alaska lounge passes per year (two per calendar quarter), a quick path to Alaska elite status and stellar earnings on purchases abroad.
To learn more, read our full review of the Atmos Rewards Summit card.
Apply here: Atmos Rewards Summit Visa Infinite Credit Card
United Quest Card
The United Quest Card offers multiple perks that send its first-year value over $1,000.
THE POINTS GUY
Here’s what to know about this airline credit card:
Quantifiable benefitPerk detailsValueWelcome offerEarn 70,000 miles and 1,000 Premier qualifying points after spending $4,000 on purchases in the first three months from account opening.$910, per TPG’s September 2025 valuationsUnited travel credit
Automatic $200 in United TravelBank cash earned each year, including upon account opening
$200Instacart credit
One $10 and one $5 monthly Instacart credit, ending Dec. 31, 2027
$180Hotel creditUp to a $150 annual statement credit on prepaid reservations made through Renowned Hotels and Resorts for United® Cardmembers each account anniversary year$150JSX creditUp to $150 in annual statement credits on JSX flight purchases made each account anniversary year$150Global Entry or TSA PreCheck application fee creditsUp to $120 every four years$120Ride-hailing creditUp to $8 in monthly statement credits for ride-hailing services, plus a bonus of $4 (for a total of $12) in December (yearly opt-in required)$100Rental car creditUp to $40 each for the first two Avis or Budget car rentals booked through United Cars each account anniversary year$80Instacart+ membershipComplimentary three-month membership to Instacart+. Membership is $9.99 monthly. This offer ends Dec. 31, 2027$30
- Total potential first-year value: $1,920
- Annual fee: $350
- Net first-year value: $1,570
Certain non-quantifiable perks, like the PQPs included in the welcome offer, earned through spending and annual PQP boost, are not included in the card’s value here. However, if you frequently fly with United and are working toward status, these benefits could take the card over the edge.
To learn more, read our full review of the United Quest Card.
Apply here: United Quest Card
Capital One Venture Rewards Card
THE POINTS GUY
Transferring your miles to one of Capital One’s 15-plus loyalty partners is the best way to maximize your rewards.
Quantifiable benefitPerk detailsValueWelcome offerEarn 75,000 miles after spending $4,000 on purchases in the first three months from account opening.$1,388, per TPG’s September 2025 valuationsGlobal Entry or TSA PreCheck application fee creditsUp to $120 every four years$120
- Total potential first-year value: Up to $1,508
- Annual fee: $95
- Net first-year value: Up to $1,413
This card’s benefits are similar to those of the Venture X. It’s important to weigh the value you’ll receive with the lower annual fee Venture Rewards compared to the premium option.
To learn more, read our full review of the Capital One Venture Rewards.
Learn more: Capital One Venture Rewards Credit Card
Capital One Venture X Rewards Credit Card
THE POINTS GUY
Let’s tally up the value you could receive from this travel card.
Quantifiable benefitPerk detailsValueWelcome offerEarn 75,000 miles after spending $4,000 on purchases in the first three months from account opening.$1,388, per TPG’s September 2025 valuationsCapital One Travel credit$300 annual credit for travel bookings made through the Capital One Travel portal$300Global Entry or TSA PreCheck application fee creditsUp to $120 every four years$120
- Total potential first-year value: $1,808
- Annual fee: $395
- Net first-year value: Up to $1,413
Venture X cardholders also receive complimentary cellphone protection, access to Capital One’s Premier Collection of luxury hotels, Hertz President’s Circle elite status**** and trip cancellation and interruption insurance as a Visa Infinite card.
Note that this calculation omitted the 10,000 bonus miles that you’ll receive every account anniversary since this perk doesn’t begin until you renew your card, so it’s technically a benefit in year two.
To learn more, read our full review of the Capital One Venture X.
****Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note that enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g., at hertz.com) will not automatically detect a cardholder as being eligible for the program, and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.
Learn more: Capital One Venture X Rewards Credit Card
Hilton Honors American Express Aspire Card
The Hilton Honors Aspire is the top-tier card in the Hilton cobranded card lineup.
THE POINTS GUY
If you stay with Hilton regularly, the card’s benefits can be very valuable.
Quantifiable benefitPerk detailsValueWelcome offerEarn 150,000 points after spending $6,000 on purchases in the first six months of card membership.$750, per TPG’s September 2025 valuationsHilton resort creditUp to $400 each calendar year (up to $200 in semiannual statement credits) on eligible purchases made with participating Hilton resorts$400Clear Plus statement creditUp to $209 toward an annual Clear membership for expedited airport security (subject to auto-renewal)**$209Flight creditUp to $200 each calendar year (up to $50 in quarterly statement credits) toward eligible flight purchases$200
**Enrollment is required.
- Total potential first-year value: $1,559
- Annual fee: $550
- Net first-year value: $1,009
In addition to the quantifiable benefits listed, you’ll also get complimentary Hilton Diamond status, a free night each year (plus a second if you spend $30,000 in a calendar year and a third if you spend $60,000 on your card in a calendar year) and complimentary National Car Rental Emerald Club Executive status (enrollment required).
To learn more, read our full review of the Hilton Aspire Card.
Apply here: Hilton Honors American Express Aspire Card
Bottom line
Many popular travel credit cards can get you well over $1,000 in value in just the first year of card membership. This guide lists the dollar values of benefits when they were easily available. However, many perks are more subjective.
If you have a card where you spend a lot each year within its bonus categories, you can easily get more than $1,000 in value from a card just based on spending alone. But if you aren’t taking full advantage of the benefits offered by a card (such as lounge access, yearly statement credits or elite status), you could get less value from a specific card, as it isn’t suited to your needs.
Hopefully, this gives you a starting point to see which cards offer $1,000 or more in value in the first year to those who can use the benefits to their fullest.
Related: Credit card perks and benefits you should be using each month
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
For rates and fees of The Business Platinum Card from American Express, click here.
For rates and fees of The Platinum Card from American Express, click here.
For rates and fees of The American Express Gold Card, click here.
For rates and fees of the Hilton Honors Aspire Card, click here.
