How To Get TSA PreCheck Using Your Credit Card

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No one wants to deal with the inconvenience of long lines every time you have a flight to catch. Instead, you can take a leisurely stroll through airport security by enrolling in TSA PreCheck. This trusted traveler program allows people to access a separate security line at the airport and eliminates some of the hassles involved in clearing airport security … for a price.

A TSA PreCheck membership costs $77 and remains valid for five years, so it’s relatively affordable. However, you may get that fee back if you have one of the top travel credit cards. Many of these cards reimburse the TSA PreCheck or Global Entry fee by granting a credit of up to $120. That means you can make the most of your card benefits and offset part of your annual fee by learning how to get TSA PreCheck with your credit card.

Here’s how to get TSA PreCheck by using your credit card.

How does TSA PreCheck work?

TSA PreCheck is an official trusted traveler program set up through the U.S. Department of Homeland Security. It requires you to go through a short online application and in-person interview where you’ll be fingerprinted and have your photo taken.

After you’re approved, you’ll have access to dedicated security lines and expedited security procedures at many U.S. airports, allowing you to keep your laptop and travel-sized liquids in your bag. Plus, you’ll keep your wait time to a minimum since 99 percent of TSA PreCheck members wait less than 10 minutes to make it through security, according to the TSA.

How to get TSA PreCheck free with a credit card

There are several ways a credit card can help you get TSA PreCheck for free:

1. The easiest way is by paying for a Global Entry or TSA PreCheck application with a card that reimburses it. You’ll automatically receive a statement credit to cover the cost.
2. You could use the rewards you’ve earned through an airline or hotel loyalty program to pay for it.
3. You could use your credit card rewards to cover the fee.

Using a statement credit to get TSA PreCheck

Nearly 40 credit cards offer an application fee credit for TSA PreCheck or Global Entry, and that includes business credit cards and co-branded airline and hotel credit cards. However, it is important to note that most travel credit cards that cover TSA PreCheck come with an annual fee of anywhere from $95 to $695.

While there are travel credit cards with no annual fee, it’s uncommon for them to include a TSA PreCheck benefit. That said, occasionally you may be able to find a travel card with this benefit and no annual fee — but there will likely be a catch.

For example, the Capital One Spark Miles for Business card, which comes with no annual fee the first year, offers an up to $120 reimbursement credit for Global Entry and TSA PreCheck every four years. However, this card charges an annual fee every year thereafter.

Using a loyalty program to get TSA PreCheck

Many airline and hotel loyalty programs allow you to redeem the rewards you earn for TSA PreCheck. Some of these programs include:

• IHG® One Rewards
• Marriott Bonvoy
• Orbitz Rewards Platinum Members
• United Mileage Plus

However, this method usually isn’t the best option since you’ll typically spend $100 or more in rewards — which is more than the cost of a TSA PreCheck membership. If you have a bank of points or miles that are about to expire, then it could be a decent option.

These loyalty programs also occasionally offer promotions and deals on TSA PreCheck which may help you to get a discounted membership or a free membership with certain levels of elite status.

Using credit card rewards to get TSA PreCheck

If you’re not interested in a travel credit card or paying an annual fee, rewards from one of the top cash back cards could help you cover your TSA PreCheck fee. These credit cards allow you to earn rewards or welcome bonuses that you can then redeem as statement credits to cover your TSA PreCheck application.

Which credit card with TSA PreCheck credits is right for you?

When determining which travel credit card is right for you, take a few factors into account, including the card’s

• annual fee
• general rewards structure
• additional benefits

You’ll also want to think about how it fits into your current spending habits and lifestyle. If a particular card is only appealing because it pays for TSA PreCheck, then you should consider a different card that better aligns with your spending habits and interests — even if that card is just a general rewards card that will help you to earn enough cash back to cover the application fee.

Keep in mind that many business, airline and hotel credit cards offer a TSA PreCheck benefit. If you own a business, you may want to consider a general business travel credit card (which offers more flexibility) or a credit card for an airline or hotel that you use frequently (which will offer airline- or hotel-specific perks).

Top credit cards that offer TSA PreCheck

Here are the top travel credit cards that offer an application fee credit for TSA PreCheck — including entry-level, luxury, business and airline travel cards.

The bottom line

If you want to get TSA PreCheck for free, there are a lot of credit cards out there that can help you cover the cost.

Whether you choose a card that reimburses your TSA PreCheck fee or a card that helps you earn rewards to cover the fee, you’ll have plenty of options to save on the cost of your TSA PreCheck membership. And once you’ve got that TSA PreCheck stamp on your boarding pass, you’ll be able to save time (and effort) at the airport.