Full glossary
feature
Annual Credit
Card Annual Credit Benefit
Definition
A dollar credit on specific purchases that resets each card-membership year. Examples: Amex Platinum $200 airline credit, Amex Gold $120 dining credit.
Why it matters
Card benefits only count if you actually use them. The /wallet tool tracks your annual credit expirations and notifies you before they reset. Failure to use credits is the most-common reason a card 'isn't worth the fee.'
Related terms in feature
5th Night Free
Marriott Bonvoy and Hilton Honors benefit: book 5 award nights and the cheapest night is free. Effectively a 20% discount on long-stay redemptions.
4th Night Free
IHG One Rewards benefit: book 4 award nights with the IHG Premier card and the cheapest night is free. Effectively a 25% discount.
Concierge
A phone or chat service available on premium credit cards (Amex Platinum, Chase Sapphire Reserve, Visa Infinite) that handles bookings, recommendations, and problem-solving.