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American Express offers a ton of great benefits on many of their premium credit card products. However, not all benefits are created the same. The airline fee credit benefit, on the face of it, sounds like a simple credit that you’d get when you book a flight ticket. However, Amex only offers these credits on what it deems as incidental purchases on qualifying US based airlines. As usual, at the start of the new year, I took stock of which cards in my wallet have the benefit and decided to use up the credits right out of the gate.


I have one Business Platinum Card and one Schwab Platinum card. Thanks to the changes made recently, I don’t have to go through this process on my Hilton Aspire card. I really like the new credit on the Hilton Aspire Card since it’s just a simple credit for buy airline tickets.

After looking up data points on Flyertalk, I decided to once again choose United airlines as my option for these credits. I headed over to United and started making purchases on United’s Travel Bank.

I selected the credits and then waited for about 24 hours. After 24 hours, I started loading my United Travel Bank in increments of $100.

airline fee credits

The credits posted in 9 days on both the cards


Over the last five years or so, this has been a lucrative method for using up my airline fee credit benefit. Things can always change, so I always make a point to set a reminder early in the year to take care of all my airline fee credits. It gives me the option to use these funds to buy flight tickets in the future.

Before you load up your United Travel Bank balance, please make sure that you’ve selected United as your preferred airline for the credit in 2023.

Also, if you sign up for the personal Platinum card or the Business Platinum card now, or the Hilton Aspire card, you can double dip your airline fee credit benefit. These benefits are calendar year based. Even if you opt to cancel in January 2025, you can still use your credits once for 2024 and then again in January 2025 before you cancel.

How do you plan to use your airline fee credit for 2024? Tell us in the comments section.


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