Which Credit Cards Offer Anniversary Bonuses?

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Last updated on November 17th, 2021

Credit card issuers face fierce competition and often look for ways to draw in (and keep) new cardholders. There are a LOT of credit cards on the market, and each come with their pro’s and con’s; an anniversary bonus is one thing that separates a credit card offer from the rest of the pack. How elusive is the anniversary bonus, and what does it mean?

Anniversaries are often things to be celebrated; as each year passes, milestone life events like weddings, birthdays, job hire dates, and more become nostalgic and worthy of memorialization and merriment. After all, these are important moments in our lives! Most often, we focus on familial and personal achievements – the anniversary of a first date or a lifetime commitment to a partner, or reaching a milestone at work. This tradition dates back to medieval times; Germanic tribes were known to commemorate 25 years of marriage with a silver wreath, for example. Who doesn’t like getting a gift or two as an acknowledgment of an achievement or the passing of a significant occasion?

What is an Anniversary Bonus?

As a modern nod to these traditions, many credit card companies now offer exclusive perks and bonuses to their cardholders that are only available once their account has reached a full calendar year after opening. These credit cards feature gifts like free hotel stays, bonus points, and even free flight vouchers for cardholders who reach an important milestone with their card, as a thank you to loyal customers. When looking at credit card offers, it’s a good idea to consider cards that offer anniversary bonuses – and to double check the fine print, as some bonuses have requirements that must be met in order to qualify. Let’s look at the types of bonuses available on the market today, and which cards offer them:

Anniversary Bonuses and Credit Cards

In the world of co-branded credit cards, an anniversary bonus typically takes one of five forms:

  • Flight Voucher
  • Free Hotel Stay
  • Bonus Points
  • Airline Lounge Access Pass
  • Complimentary Room Upgrade

Other cards will automatically boost you to an elite tier status within the loyalty program paired with the credit card offer.

Hotel Card Anniversary Bonuses

Hoteliers know that offering their most loyal customers exclusive perks can give them a leg up on the competition when it comes to attracting old and new customers – after all, who doesn’t like earning a free night at their favorite hotel? Joining a hotel loyalty or rewards program is a great idea for anyone who plans to book multiple stays with a hotel throughout the year – it’s usually free to join, and offers the opportunity to open the door to lucrative rewards, discounts, and VIP treatment at some of the most luxurious hotel properties in the world. An anniversary bonus is like the mint on your pillow – it’s a detail that may set one hotel above the rest, especially when it means a free night at your favorite establishment.

Hotel cards that offer a free night as an anniversary bonus:

Hotel cards that offer airport lounge access:

Airline Card Anniversary Bonuses

Like hotels, airlines have become savvy when it comes to attracting customers old and new. While many airline rewards cars offer lucrative programs that earn miles towards a free flight, some airlines have upped the ante when it comes to pleasing their customers and now offer an anniversary bonus for cardholders who are in good standing. That anniversary bonus can take the form of a companion fare, airport lounge access, bonus points, and more: Airline cards that offer annual companion fare (flight voucher):

Airline cards that offer airport lounge access:

Airline cards that offer bonus points:

How Can I Get An Anniversary Bonus From My Card?

It’s important to read the fine print when considering a credit card for its anniversary bonus. There are so many options out in the wild that it can make your head spin, so it pays to pay attention here. Things to consider: – Some cards, like the Southwest Rapid Rewards Priority Credit Card, offer several annual bonuses that can be collected on the anniversary of opening an account with the card issuer; this card in particular showcases 7,500 bonus points alongside an annual travel credit with Southwest Airlines of $75 and four (4) upgraded boardings each year. – The Southwest Rapid Rewards Performance Business Card is another offer from Chase that proffers not only bonus points each year but also four upgraded boardings for your cardmember anniversary; the LATAM Visa card offers one 10% discount on LATAM airfare each year in addition to annual bonus points, while the LATAM Visa Signature card offers a one-time 20% discount for the same each year along with three coupons for a free upgrade and bonus points. – When comparing and contrasting anniversary bonuses, it’s a good idea to pay attention to the card’s annual fee, as well as the interest rates you will be subject to. Depending on the perks offered, the bonuses and benefits may not outweigh the price to renew your account each year. Remember, in order to qualify for an anniversary bonus, your credit card account must be in good standing as you pass your anniversary; if you have repeatedly made late payments or missed one or more payments, there’s a chance the card issuer will flag your account and possibly close it, at which point you’d forfeit that free weekend stay or companion flight voucher. Demonstrating financial responsibility is an important part of this process; if your credit score falls due to negligence, you may see one or more of your credit lines closed and, if it gets low enough, you may have to apply for a secured credit card in order to repair your credit score before you can apply for a card with an anniversary bonus again. BestCards.com is here to answer the questions you have about credit scores, credit cards, and how to maximize your credit card usage to score free hotel stays, free flights, merchandise, and more. Check out our informative blogs for insight into the world of credit from our editors, and read our impartial reviews – we break down all the info you’ll need to decide which credit card is best for your needs!

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About: Allan Guzman Chinchilla
Allan Guzman Chinchilla

Allan is the Managing Editor at BestCards.com. In addition to leading a robust team of writers in the pursuit of thorough credit cards expertise, he is an avid fan of films, food, traveling, and Star Wars.

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