There is no go-to credit card for golfers, but some cards offer golf-themed perks, such as playing a free round of golf at select hotels and redeeming rewards for tickets to sold-out golf tourneys.
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Are there any credit cards that give bonus rewards for golfing?
There is no obvious go-to credit card for golfers, but some cards you will get you access to private clubs, greens fees and merchandise discounts.
Dear Cashing In,
I golf a lot. Are there any credit cards that give me rewards for golfing? It seems like some give rewards for travel or shopping, but are there any for golf? – John
The short answer is that there are no cards that provide extra reward points for playing golf, but the more complete answer is there are a number of different ways that avid golfers can use credit cards to their advantage. For example, with the right cards, you can gain access to exclusive courses, receive discounts on golf merchandise and greens fees and get tickets to professional golf events on points.
To me, none of these benefits is so great by itself that it would lead you to apply for and receive a particular credit card.
While there is no obvious go-to card for golfers, if you learn which cards come with which benefits, you might factor in that information when you apply for future credit cards. Or you might find you already have a credit card that has some benefits for golfers.
Here are four ways you can use credit cards for golf:
1. Play a free round of golf at participating resorts
If you have the Premier Rewards Gold card from American Express (annual fee: $195, waived the first year) or the Platinum Card from American Express (annual fee: $550), you can receive a complimentary yearlong membership to a program called Preferred Golf.
Valued at $295 a year, Preferred Golf gives you a free round of golf with a two-night stay at participating resorts. There are several dozen courses worldwide, including Pebble Beach and Spanish Bay in California. And you can also receive discounts at a broader range of courses.
2. Rack up rewards at golf hotel resorts
When you are at golf resort hotels, you often can charge golf-associated fees to your room. If you combine that with a hotel credit card, which often gives extra points for charges at that hotel chain, you can rack up points quickly. You then can use those hotel points for future hotel stays or, in some cases, future rounds of golf.
For instance, Marriott has a golf rewards program that allows you to redeem points for rounds of golf and earn points for use toward future rounds of golf. If you like golf and frequently stay at Marriotts, you might consider the Marriott Rewards Premier Plus Credit Card (annual fee: $95), which gives you 6 points per $1 on Marriott charges at participating Marriott Rewards and SPG hotels and 2 points per $1 on all else.
See related: 5 credit card perks that save you money
3. Redeem rewards for golf tourney tickets
It’s not the same as playing golf, but you can use points from major rewards cards to obtain tickets for pro golf events. For instance, if you have a card that earns Chase Ultimate Rewards, you can spend points toward tickets to the PGA Championship in August 2018 in St. Louis.
A day pass is 3,800 points (worth $38), or you could go upscale with a ticket that also gets you into the Chase Sapphire Hospitality Chalet with “complimentary food and beverage” for 25,000 points (value: $250).
4. Get special access to golf courses
There are a few different ways to use credit cards to reserve a round of golf at hard-to-schedule clubs.Bank of America offers the PGA Tour Cash Rewards Mastercard (no annual fee). The rewards are structured like an ordinary cash rewards card – 3 percent back on gas, 2 percent at grocery stores and wholesale clubs (for the first $2,500 in combined purchases each quarter). But the card also gives you access to special booking windows for rounds of golf at Tournament Players Club (TPC)-affiliated courses around the country. Other benefits include discounted greens fees and 20 percent off merchandise.
Mastercard has a similar golf program for holders of any Mastercard. One of the main benefits is the ability to book rounds of golf at exclusive courses.
Card issuers try to make their cards appeal to a variety of audiences, and golfers tend to be pretty dedicated. None of these benefits might be enough to entice you to apply for a new card, but they might have some use for people who love the sport.