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Companion Fares and Certificates: Cards and Benefit Rules

Bring a second traveler for (nearly) free - annual companion fares and certificates on airline co-brand cards. Often the single most valuable perk on the card.

How the Delta Companion Certificate and Other Companion Fares Work

Confirm enrollment, eligible merchants, minimum spend, usage limits, and the exact reset or expiration rule. Displayed values are catalog face values and may not equal the amount every cardholder can use.

How Creddy reviews benefit information

Which Credit Cards Have Companion Fares and Certificates?

JetBlue Premier credit card

Barclays

JetBlue Premier

$499 / yr
Apply now
  • Companion Pass Statement Credits ($75k Ladder) · Resets calendar year$1500 / yrChecked Sep 14, 2026
  • Companion Pass Statement Credits · Resets calendar year$500 / yrChecked Sep 14, 2026
Atmos Rewards Summit credit card

Bank of America

Atmos Rewards Summit

$395 / yr
Apply now
  • Annual Global 25K Companion Award · Resets card anniversaryChecked Sep 15, 2026
  • Big Spend Global 100K Companion Award · Resets card anniversaryChecked Sep 13, 2026
Aer Lingus credit card

Chase

Aer Lingus

$95 / yr
Apply now
  • Economy Companion Ticket after $30,000 Spend · Resets calendar yearChecked Sep 30, 2026
  • Economy Class Companion Ticket (Big Spend Bonus) · Resets calendar yearChecked Sep 13, 2026
Amex Platinum credit card

American Express

Amex Platinum

$895 / yr
Apply now
  • Companion Platinum Card with No Annual Fee$0 / yrChecked Sep 26, 2026
Southwest Premier Business credit card

Chase

Southwest Premier Business

$149 / yr
Apply now
  • Companion Pass Qualifying Points from Card SpendingChecked Sep 28, 2026
  • Companion Pass Qualifying Points Boost · Resets calendar year10,000 pts / yrChecked Jul 4, 2026

When Do Companion Fares and Certificates Reset?

Of the 16 listed benefits with a reset date, 9 reset on the card anniversary, 6 each calendar year and 1 each cardmember year; 14 more are ongoing. Each card's entry shows its own reset rule.

How to Use Companion Fares and Certificates Before They Expire

  • Enroll or activate first when a card's terms require it; some credits only count purchases made after enrollment.
  • Note the reset date on each card's entry and use the amount before then. Unused amounts generally do not roll over.
  • Check which merchants and purchase types qualify before you rely on the credit.
  • Track each benefit in Creddy to get a reminder before it resets. More in how to stop statement credits from expiring.

Are Companion Fares and Certificates Worth the Annual Fee?

The cards listed here charge $70 to $895 a year in annual fees. Companion Fares and Certificates are one part of a card's value: count only what you would use anyway, add the card's other credits and rewards, and compare the total with its fee on the card's page.

Related:Airline Fee CreditsAnnual Free Night Awards

Related credit card guides

How to Track Credit Card Benefits Without a Spreadsheet

Build a reliable system for tracking statement credits, card perks, reset dates, and reminders without maintaining a complicated spreadsheet.

How Credit Card Statement Credits Actually Reset

Understand monthly, calendar-year, cardmember-year, and rolling statement credit resets so valuable card benefits do not go unused.

How to Calculate Credit Card Value vs. the Annual Fee

Compare the value you actually receive from a credit card with its annual fee using realistic credits, rewards, and perks.

Companion Fares and Certificates FAQs

How do I use my companion fare / certificate?

Use the airline's required booking flow with your eligible companion fare or certificate. Check fare class, routes, travel dates, expiration and taxes or fees before booking; it is not a general statement credit.

Which cards match Creddy's catalog category for a companion fare / certificate?

23 active catalog cards matched this benefit category in the September 26, 2026 check, including Hawaiian Airlines World Elite, Southwest Priority, Delta SkyMiles Platinum, JetBlue Premier. Open each card for its actual benefit, enrollment and restrictions; category matches can include differently structured perks.

How often does the companion fare / certificate reset?

The schedule varies by card and benefit, and some benefits are certificates or memberships rather than recurring credit allowances. Check the period and expiration in the issuer or program account; do not assume it follows the annual fee date.

What happens if I don't use my companion fare / certificate before it resets?

Unused value or an unredeemed certificate may expire under the specific benefit terms. Check rollover, booking and stay deadlines with the issuer or program, and set a reminder early enough to satisfy those requirements.

Is a card with a companion fare / certificate worth the annual fee?

Compare the annual fee with the benefit value you would actually use, plus realistic rewards and other perks. Discount restrictions and additional costs rather than valuing every advertised benefit at face value. Include interest and other charges if you carry a balance.