3 credit card and travel deals that are too good to last

Citi is no longer accepting applications for the Citi Custom Cash® Card product as of May 28, 2026. 

Nothing lasts forever, especially not loyalty programs and travel card benefits. Welcome bonuses, benefits and eligibility rules are always in flux. The best deals can last for years or end in a matter of weeks.

I've identified three opportunities for 2026 that are too good to last. If you're not already taking advantage of them, time may be running out.

In 2025, we saw the release of several new premium cards and the overhaul of Chase Sapphire Reserve® (see rates and fees) and American Express Platinum Card®. Both of these luxury cards were refreshed with higher annual fees and benefits that are trickier to earn.

When Amex increased the Platinum card's annual fee to a staggering $895 (see rates and fees), it also added hundreds of dollars in new benefits — many of which require extra steps or careful timing to use. That hasn't stopped applicants: Account approvals doubled compared to pre-refresh levels, according to Amex's Q3 2025 earnings report. If increasing the card's cost and offsetting it with progressively complicated perks is good for business, it's not hard to imagine this trend will continue.

That's what makes the Capital One Venture X Rewards Credit Card stand out. Its annual fee is $395, or less than half of what the most expensive luxury consumer cards charge. And the benefits are refreshingly simple: Each year, you receive a $300 travel credit that can be used to pay for Capital One Travel bookings, including hotels, flights, rentals, vacation packages and activities.

Normally, I don't book through a card issuer's travel site because I prefer to shop around for the best price. That said, I'm comfortable using the Venture X to book through Capital One Travel because it offers an excellent price match guarantee. I price-matched rental car bookings at least six times in 2025, and each time it took only a 10-minute phone call.

As long as the lower price is publicly available for an identical reservation within 24 hours of your original booking, you'll receive the difference as a travel credit. And for select flights, Capital One Travel offers price drop protection, which automatically gives you a travel credit of up to $50 if the price goes down within 10 days of booking.

The Capital One Venture X also comes with 10,000 bonus miles each account anniversary, which is worth at least $100 in travel. You can redeem these miles for 1 cent each toward travel (including Capital One Travel bookings) or transfer them to a long list of travel loyalty programs.

With just two benefits, the Venture X is more affordable for me to keep than its cheaper sibling, the $95 Capital One Venture Rewards Credit Card. It's also one of the cheapest ways for me to access top-tier credit card travel insurance, such as trip delay coverage that applies to delays of six hours or more (instead of the standard 12-hour delay requirement), primary rental car insurance and travel accident insurance.

If you qualify for small business cards, the Capital One Venture X Business Credit Card has a similar suite of benefits and a larger welcome bonus. So it's a great option for accessing premium perks and easy-to-use benefits for your business, freelance gig or side hustle.

Airport lounge access and a Global Entry or TSA PreCheck application fee credit are perks typically associated with credit cards with annual fees. The U.S. Bank Altitude® Connect Visa Signature® Card bucks that trend by offering both, albeit in a limited fashion.

You receive a Priority Pass™ Select airport lounge membership with four complimentary visits per year. Plus, once every four years, you can receive up to $100 back for Global Entry or TSA PreCheck application fees.

Even if you already have unlimited complimentary visits with another travel credit card, the lounge benefit is surprisingly useful. You can use the passes to receive Priority Pass restaurant credit (typically around $28 per pass), a feature that's been removed from most other cards' lounge access.

Those benefits are already substantial for a no-annual-fee card, but the U.S. Bank Altitude® Connect also features trip delay reimbursement, trip cancellation and interruption insurance and two additional, easy-to-overlook perks: SmartDelay and a complimentary GigSky mobile data plan.

The SmartDelay benefit grants lounge access to the cardholder and up to three travel companions when a flight is delayed by 120 minutes or more. You just need to register at least two hours before your flight departs. The lounge passes are emailed when you have an eligible delay.

GigSky is an eSIM service that keeps you connected while abroad. All U.S.-issued Visa Signature and Visa Infinite cardholders can receive a complimentary 15-day plan with 3GB of data for Visa Infinite cards and 1GB for Visa Signature cards.

The Altitude Connect is a Visa Signature, but it exceeds the standard benefit for both cards by offering 5GB of data for 15 days at no cost to cardholders. There is no limit to the number of 5GB/15-day plans you can get — you just need to wait until the previous plan expires.

The enhanced GigSky perk is slated to end in November 2026, although the expiration date has been extended before.

Over the years, one airline after another has switched to dynamic pricing. American Airlines made this shift a few years ago, but its variable-award pricing applies only to American Airlines flights. It still has generous fixed-reward prices for partner airlines, and many of these flights are shockingly good deals.

You can redeem American Airlines AAdvantage miles for flights on world-class airlines to far-flung destinations. This includes bucket-list awards with Etihad, Qatar Airways, Japan Airlines and Cathay Pacific.

You can explore American Airlines' partner prices on its site. Some of the most tantalizing options include:

• 22,500 miles for off-peak economy flights from the U.S. to Europe
• 57,500 miles for business-class flights from the U.S to Europe
• 80,000 miles for business-class flights from the U.S to the South Pacific, including New Zealand and Australia
• 60,000 miles for business-class flights from the U.S to the Asia 1 region, which includes Japan and Korea
• 80,000 miles for first-class flights from the U.S to the Asia 1 region

To give you a sense of how favorable these prices are, you can usually earn 50,000 to 100,000 AAdvantage miles from a single American Airlines co-branded credit card bonus.

For example, the Citi® / AAdvantage® Executive World Elite Mastercard® has a bonus of 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 in purchases within the first three months of account opening.

A potential American Airlines partner award devaluation in 2026 is pure speculation on my part, but something happened in 2025 that has me on edge: AAdvantage miles became easier to earn.

American Airlines has long been the lone major U.S.-based carrier not to partner with a transferable travel rewards program. Outside of a brief partnership with Bilt and a previous limited-time option to transfer Citi ThankYou® Points to American Airlines, the only way to accumulate AAdvantage miles with a credit card was by having a co-branded Citi or Barclays American Airlines card.

However, Citi is taking over as the sole issuer of American Airlines credit cards. Along with this change, it has also added the American Airlines AAdvantage program as a ThankYou® Rewards transfer partner.

American Airlines cards are generally subpar for earning rewards on non-American Airlines purchases, but Citi offers several highly rewarding cards. You can earn up to 2% cash back (earned as 2X ThankYou® Points) everywhere with the Citi Double Cash® Card (1% as you buy and 1% as you pay) and 5% cash back (earned as 5X ThankYou® Points) on up to $500 spend on your top eligible category each month with the Citi Custom Cash® Card (then 1%).

Further, the Citi Strata Elite^℠ Card earns 6X points at restaurants on Friday and Saturday nights (6 p.m. to 6 a.m. ET) and 3X points at restaurants any other time. Plus, it has a 75,000-point welcome bonus after spending $6,000 in the first three months.

While I love having access to more AAdvantage miles, rewards — like money — can lose value over time due to inflation.

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every article is based on rigorous reporting by our team of expert writers and editors. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and X to stay up to date.

For rates and fees of the American Express Platinum Card®, click here.

Information about the Citi Custom Cash® has been collected independently by CNBC Select and has not been reviewed or provided by the issuer of the card prior to publication.