
Originally Posted by
PLOL
The Amex Green has the lowest annual fee at $150/yr, but the Hilton Aspire and Amex Platinum can provide better value for many people.
I'll give you another hack if you have the Amex Platinum or Hilton Aspire. The Amex Platinum comes with $200/yr in airline credits, which is only supposed to be used on ancillary fees like checked baggage, food, upgraded seats, etc. There used to be a hack where you could buy airline gift cards in $50 increments and it would code as an ancillary purchase. Amex closed this loophole and the hack no longer works. But there's still a hack that does work. You can buy United Travel Bank cash. This is basically the same as a gift card, which you can use on United purchases including airfare. You can now get $200/yr in airfare on United if you're like me and don't spend on ancillary purchases.
Likewise the Hilton Aspire comes with $50/quarter in airline credits. Unlike the Platinum, you actually can use this for reimbursement on airfare, however it resets every quarter and it's use it or lose it. So if there's a quarter where you don't fly, you can buy $50 in United Travel bank cash and it'll get reimbursed, and you can then use those funds at a later date. This way you can always get $200/yr in airfare reimbursed even if you don't fly every quarter.
Of course if you're not in a United market, then this hack isn't as useful