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The complete list of credit card perks that reset each calendar year (2026)
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Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure. Enrollment is required for select benefits. Read our full Amex Gold Card review $209 CLEAR® Plus credit: Get up to $209 back per calendar year on your CLEAR Plus membership (subject to auto-renewal) when you use your card. Enrollment is required for select benefits. Read our full Amex Blue Cash Everyday review The Amex Blue Cash Preferred has a spending category with a limit that resets each year: Enrollment is required for select benefits. Read our full Amex Blue Cash Preferred review $100 Delta Stays credit: Earn up to $100 per year as a statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on Delta.com. Read our full Delta Gold Amex Card review MQD headstart: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year. $150 Delta Stays credit: Earn up to $150 per year as a statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on Delta.com. Other Delta Amex Platinum benefits and credits include up to $120 annual Resy credit, up to $120 annual rideshare credit, and a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Other Delta Amex Reserve benefits and credits include up to $240 annual Resy credit, up to $120 annual rideshare credit, and a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Read our full Delta Reserve Amex Card review Read our full Hilton Honors Amex Card review Up to $200 Hilton credit: Get up to $50 in statement credits each quarter for eligible Hilton purchases. That’s up to $200 in annual statement credits. Read our full Hilton Honors Amex Surpass Card review Another Amex Hilton Aspire benefit includes up to a $100 property credit at participating hotels. Read more: 7 things to know about the Hilton Aspire Card Read our full Marriott Bonvoy Bevy Amex Card review Earned Choice Award: Select one Earned Choice Award benefit after spending $60,000 on eligible purchases each calendar year. 25 Elite Night Credits: You can receive 25 Marriott Bonvoy Elite Night Credits each calendar year. Other Marriott Bonvoy Brilliant benefits include up to $300 annual dining credit, up to a $100 Marriott Bonvoy® property credit, and a fee credit for Global Entry or TSA PreCheck. Read our full Marriott Bonvoy Brilliant Amex Card review $200 airline fee credit: Get up to $200 per calendar year in statement credits for incidental airline fees charged to your card from a selected qualifying airline. $209 CLEAR® Plus credit: Get up to $209 back per calendar year on your CLEAR Plus membership (subject to auto-renewal) when you use your card. $300 lululemon credit: Get up to $300 in statement credits annually ($75 per quarter) for eligible lululemon purchases online or in store. $200 Oura credit: Get up to $200 in statement credits annually for Oura Ring purchases on Ouraring.com. $120 Uber One credit: Get up to $120 Uber One membership credit each calendar year for an auto-renewing Uber One membership in the U.S. $300 Equinox credit: Receive up to $300 in statement credits each calendar year on membership fees for eligible U.S. Equinox memberships or a standalone subscription to Equinox+. Other Amex Platinum card benefits and credits include up to $300 in annual digital entertainment credits, $155 (plus taxes and fees) in annual Walmart+ membership credit (for eligible Walmart+ monthly memberships), and a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Read our full Amex Platinum Card review The Amex Business Gold doesn’t have calendar-year credits, but you can get up to $240 back annually for eligible U.S. purchases. You can also get back $155 (plus taxes and fees) each year for an eligible monthly Walmart+ membership Enrollment is required for select benefits. Read our full Amex Business Gold Card review $150 Delta Stays credit: Earn up to $150 per year as a statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on Delta.com. Read our full Delta Gold Business Amex Card review MQD headstart: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year. Other Delta Platinum Business Amex benefits include up to $120 annual rideshare credit, and a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Read our full Delta Platinum Business Amex Card review MQD headstart: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year. Other Delta Amex Reserve Business benefits and credits include up to $240 annual Resy credit, up to $120 annual rideshare credit, and a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Read our full Delta Reserve Business Amex Card review Read our full Marriott Bonvoy Business Amex Card review Up to $360 Indeed credit: Get up to $90 in statement credits per quarter on Indeed purchases. Up to $120 wireless credit: Get up to $10 back per month for wireless telephone service purchases made directly with U.S. wireless providers. $600 hotel credit: Get up to $600 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings with American Express Travel® (The Hotel Collection requires a minimum two-night stay). $200 airline fee credit: Get up to $200 per calendar year in statement credits for incidental airline fees charged to your card from a selected qualifying airline. $209 CLEAR® Plus credit: Get up to $209 back per calendar year on your CLEAR Plus membership (subject to auto-renewal) when you use your card. Up to $200 Hilton credit: Hilton for Business members can receive up to $50 in statement credits quarterly on eligible Hilton purchases. Other Amex Business Platinum benefits include a fee credit for Global Entry or TSA PreCheck. Enrollment is required for select benefits. Read our full Amex Business Platinum review The Amex Blue Business Plus has a spending category with a limit that resets each year. Read our full Amex Blue Business Plus review Anniversary miles: Get 5,000 miles each account anniversary after spending $50 or more within the anniversary year. Anniversary XP: Receive 20 XP each account anniversary and an additional 40 XP after spending $15,000 within the anniversary year. $99 Companion Fare: Earn a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend at least $6,000 within the prior anniversary year. You can also receive $100 off an annual Alaska Lounge+ membership each year. Read our full Atmos Rewards Ascent Visa Signature Card review Global Companion Awards: Receive a 25,000-point Global Companion Award each account anniversary, and receive a 100,000-point Global Companion Award annually after spending $60,000. Alaska Lounge passes: Receive up to eight Alaska Lounge passes (two per quarter) each year. Atmos Rewards membership status boost: Receive 10,000 status points each account anniversary. You can also receive a fee credit for Global Entry or TSA PreCheck every four years. $99 Companion Fare: Earn a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend at least $6,000 within the prior anniversary year. You can also receive $100 off an annual Alaska Lounge+ membership each year. $100 Companion Flight Voucher: Receive a $100 Companion Flight Voucher each anniversary after making at least $5,000 in purchases the previous anniversary year. Anniversary bonus: Earn 7,500 points after every account anniversary with eligible purchases. Emirates Gold tier: Retain Emirates Gold tier status after your first year by spending $40,000 each card membership year. Anniversary bonus: Earn 10,000 anniversary miles after spending $30,000 on purchases each card membership year. You can also receive a fee credit for Global Entry or TSA PreCheck every five years. $100 Flight Voucher: Receive a $100 flight voucher each account anniversary after spending at least $2,500 on purchases during your card membership year. Anniversary bonus: Earn 20,000 miles if you spend $50,000 to $99,999 in annual purchases or earn 40,000 miles if you spend $100,000 or more in annual purchases. Anniversary bonus: Earn 5,000 bonus points after each account anniversary. $100 JetBlue Vacations credit: Receive one $100 statement credit per calendar year after you purchase a JetBlue Vacations package of $100 or more. Read our full JetBlue Plus Card review TrueBlue Travel statement credits: Earn up to $300 in statement credits on TrueBlue Travel purchases per calendar year. Anniversary bonus: Earn 5,000 bonus points each year after your card anniversary. You can also receive a fee credit for Global Entry or TSA PreCheck every four years. Faster Miles & More status: Once per calendar year, convert 5,000 to 25,000 miles earned on purchases into Points + Qualifying Points. Companion ticket: Receive a companion ticket after each account anniversary. Lounge access: Receive two complimentary Lufthansa Business Lounge vouchers after each account anniversary. Annual bonus: Receive 15,000 bonus points each account anniversary. The Capital One Venture X also has a fee credit benefit for Global Entry or TSA PreCheck. Read our full Capital One Venture X review Birthday reward: Receive a $25 birthday reward certificate during your birthday month if you’ve made a purchase in the previous 12 months starting one month before your birthday. $50 account credit: Receive a $50 account credit once per calendar year when you use your card for REI Co-op experience classes, day trips, or multiday outings. Birthday reward: Receive a $25 birthday reward certificate during your birthday month if you’ve made a purchase in the previous 12 months starting one month before your birthday. Birthday reward: Receive a $25 birthday reward certificate during your birthday month if you’ve made a purchase in the previous 12 months starting one month before your birthday. Birthday reward: Receive a $25 birthday reward certificate during your birthday month if you’ve made a purchase in the previous 12 months starting one month before your birthday. Aeroplan 25K status: Keep your Aeroplan 25K status with $15,000 in account spend during a calendar year. Ultimate Rewards points transfers: Get a 10% bonus after transferring 50,000 or more Ultimate Rewards points in a single transaction from an eligible Chase card to your Aeroplan account (maximum of 25,000 Aeroplan bonus points per calendar year). The Aeroplan Credit Card also has a fee credit benefit for Global Entry or TSA PreCheck that resets every four years. Read our full Aer Lingus Visa Signature Card review Read our full British Airways Visa Signature Card review Read our full Chase Sapphire Preferred Card review Up to $500 The Edit credit: Receive up to $250 in statement credits from January through June and again from July through December for prepaid The Edit bookings (two-night minimum). Up to $300 dining credit: Get up to $150 in statement credits from January through June and again from July through December when dining at Sapphire Exclusive Tables restaurants via OpenTable. Apple TV and Apple Music subscriptions: Get complimentary Apple TV and Apple Music subscriptions. Up to $300 StubHub credit: Receive up to $150 in statement credits from January through June and again from July through December for purchases made on StubHub and viagogo (activation required). Up to $120 Lyft credit: Get up to $10 in monthly in-app Lyft credits. Up to $120 Peloton credit: Get $10 in statement credits per month on eligible Peloton memberships. 75,000 spend bonuses: Spend $75,000 in a calendar year to receive IHG One Rewards Diamond Elite status, up to $250 credit for The Shops at Chase, up to $500 Southwest Airlines Chase Travel credit, and Southwest Airlines A-List status. Read our full Chase Sapphire Reserve Card review Up to $400 ZipRecruiter credit: Earn up to $200 in ZipRecruiter statement credits January through June and up to $200 in statement credits July through December each year. Up to $120 Lyft credit: Access up to $10 in monthly in-app Lyft credits. Up to $200 Google Workspace credit: Earn up to $200 in annual statement credits on purchases made directly on Google Workspace. Up to $100 gift card credit: Earn up to $100 in annual credits when you purchase gift cards from a curated collection on giftcards.com/reservebusiness. $120,000 spend bonuses: Spend $120,000 in a calendar year to receive up to $500 credit for The Shops at Chase, IHG One Rewards Diamond Elite status, Southwest Rapid Rewards A-List status, and up to $500 credit for Southwest Airlines flights booked through Chase Travel. Read our full DoorDash Rewards Mastercard review Bonus rewards: Receive a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year. Diamond Elite status: Spend $40,000 each calendar year to qualify for Diamond Elite status through December 31 of the following year. $50 United Airlines TravelBank Cash: Receive up to $50 United Airlines TravelBank Cash each calendar year after registering your card with your United MileagePlus account Bonus rewards: Receive 10,000 bonus points after spending $10,000 each calendar year. Gold Elite status: Spend $20,000 each calendar year to qualify for Gold Elite status through December 31 of the following year. Read our full IHG One Rewards Traveler review Path to Gold status: Receive Gold Elite Status if you spend $35,000 on eligible purchases each calendar year. Free Night Award: Receive one Free Night Award (redemption level up to 50,000 Marriott Bonvoy points) after spending $15,000 in a calendar year. 15 Elite Night Credits: You can receive 15 Marriott Bonvoy Elite Night Credits each calendar year. Spending category cap: 4x points on the first $15,000 in combined purchases each year on grocery stores and dining $300 annual travel credit: Receive up to $300 in annual statement credits for eligible airline purchases, such as baggage fees and seat upgrades, each year. Free Night Award: Receive one Free Night Award (redemption level up to 85,000 Marriott Bonvoy points) each year. 15 Elite Night Credits: You can receive 15 Marriott Bonvoy Elite Night Credits each calendar year. Ritz-Carlton Club upgrades: Receive three Ritz-Carlton Club upgrade certificates per year. The Ritz-Carlton Credit Card also has a fee credit benefit for Global Entry that resets every four years. Note: This card is not available for new applications. Companion Pass qualifying points boost: Receive 10,000 Companion Pass qualifying points each year. Read our full Southwest Rapid Rewards Plus review Read our full Southwest Rapid Rewards Premier review All information about the Southwest Rapid Rewards® Premier Credit Card has been collected independently by Yahoo Finance. The Southwest Rapid Rewards® Premier Card is no longer available through Yahoo Finance. Spend for A-List status: Earn 1,500 tier qualifying points (TQPs) for every $5,000 spent in purchases annually. Read our full Southwest Rapid Rewards Priority review Award flight discount: Earn a 10,000-mile award flight discount after spending $20,000 each calendar year. $100 United travel credit: Earn $100 United travel credit after spending $10,000 in a calendar year. Up to $100 hotel credit: Receive up to $100 credit annually on prepaid hotel stays purchased directly through United Hotels. Up to $60 rideshare credit: Enroll to receive up to $60 credit each calendar year on rideshare purchases. Up to $50 United travel credit: Receive up to $50 in United travel credits annually when booking Avis or Budget car rentals directly through cars.united.com. Up to $120 Instacart credit: Receive up to $120 in Instacart credits annually for purchases made directly through Instacart. Up to $100 JSX credit: Receive up to $100 in annual credits for flights purchased directly through JSX. PQP spending bonus: Earn 1 Premier qualifying point for every $20 you spend on purchases, up to 1,000 PQP in a calendar year. Read our full United Explorer Card review PQP jump start: Receive 1,000 Premier qualifying points each year. PQP spending bonus: Earn 1 Premier qualifying point for every $20 you spend on purchases, up to 18,000 PQP in a calendar year. Up to $150 hotel credit: Receive up to $150 hotel credit annually when purchasing prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers. Up to $100 rideshare credit: Enroll to receive up to $100 annual credit on rideshare purchases. Up to $80 United travel credit: Receive up to $80 in United travel credits annually when booking Avis or Budget car rentals directly through cars.united.com. Up to $180 Instacart credit: Receive up to $180 in Instacart credits annually for purchases made directly through Instacart. Up to $150 JSX credit: Receive up to $150 in annual credits for flights purchased directly through JSX. Award flight discount: Earn a 10,000-mile award flight discount after spending $20,000 in purchases, up to two times per calendar year Global Economy Plus seat upgrades: Earn two global Economy Plus seat upgrades after spending $40,000 each calendar year. PQP jump start: Receive 1,500 Premier qualifying points each year. Up to $200 hotel credit: Receive up to $200 hotel credit annually when purchasing prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers. Up to $150 rideshare credit: Enroll to receive up to $150 annual credit on rideshare purchases. Up to $100 United travel credit: Receive up to $100 in United travel credits annually when booking Avis or Budget car rentals directly through cars.united.com. Up to $240 Instacart credit: Receive up to $180 in Instacart credits annually for purchases made directly through Instacart. Up to $200 JSX credit: Receive up to $150 in annual credits for flights purchased directly through JSX. Read our full United Club Card review Read our full United Gateway Card review Free night: Receive one free night (redemption level up to Category 4) each year after your cardmember anniversary. Additional free night: Receive an extra free night (redemption level up to Category 4) after spending $15,000 in a calendar year. Qualifying night credits: Receive five qualifying night credits each year. Anniversary free night: Receive a free night (redemption level up to 40,000 points) after each account anniversary. Bonus rewards: Receive a $100 statement credit and 10,000 bonus points after spending $20,000 each calendar year. The IHG One Rewards Premier Business also has a fee credit benefit for Global Entry, NEXUS, or TSA PreCheck®. Read our full IHG One Rewards Premier Business review Spending category caps: 5% cash back on the first $25,000 in combined spending at office supply stores and on internet, cable, and phone services each account anniversary year and 2% cash back on the first $25,000 in combined spending at gas stations and restaurants each account anniversary year. Read our full Ink Business Cash review Read our full Ink Business Preferred review A-List spend bonus: Earn 2,000 tier qualifying points toward A-List status for every $5,000 spent annually. Read our full Southwest Rapid Rewards Premier Business review Upgraded boardings: Receive four upgraded boardings per year, when available. Wi-Fi credits: Receive up to 365 in-flight Wi-Fi credits per year. A-List spend bonus: Earn 2,500 tier qualifying points toward A-List status for every $5,000 spent annually. The Southwest Rapid Rewards Performance Business also has a fee credit benefit for Global Entry, TSA PreCheck, or NEXUS that resets every four years. Read our full Southwest Rapid Rewards Performance Business review Premier qualifying points (PQP): Earn 1 PQP for every $20 you spend (up to 4,000 PQP per calendar year). Up to $100 hotel credit: Receive up to $100 credit annually on prepaid hotel stays purchased directly through United Hotels. Up to $100 rideshare credit: Enroll to receive up to $60 credit each calendar year on rideshare purchases. Up to $50 United travel credit: Receive up to $50 in United travel credits annually when booking Avis or Budget car rentals directly through cars.united.com. Up to $120 Instacart credit: Receive up to $120 in Instacart credits annually for purchases made directly through Instacart. Up to $100 JSX credit: Receive up to $100 in annual credits for flights purchased directly through JSX. Up to $25 FareLock credit: Receive up to $25 in annual credits when you buy FareLock on a United or United Express flight. The United Business Card also has a fee credit benefit for Global Entry or TSA PreCheck that resets every four years. Read our full United Business Card review PQP spending bonus: Earn 1 Premier qualifying point for every $15 you spend on purchases, up to 28,000 PQP in a calendar year. Up to $200 hotel credit: Receive up to $200 hotel credit annually when purchasing prepaid hotel stays through Renowned Hotels and Resorts for United Cardmembers. Up to $150 rideshare credit: Enroll to receive up to $150 annual credit on rideshare purchases. Up to $100 United travel credit: Receive up to $100 in United travel credits annually when booking Avis or Budget car rentals directly through cars.united.com. Up to $240 Instacart credit: Receive up to $180 in Instacart credits annually for purchases made directly through Instacart. Up to $200 JSX credit: Receive up to $150 in annual credits for flights purchased directly through JSX. Up to $50 FareLock credit: Receive up to $25 in annual credits when you buy FareLock on a United or United Express flight. Global Economy Plus seat upgrades: Earn two global Economy Plus seat upgrades after spending $40,000 each calendar year. 10% redemption bonus: Spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year on up to 200,000 points redeemed. Read our full World of Hyatt Business Credit Card review Wireless bill credit: Earn up to $240 back toward qualifying AT&T wireless bills each year. Each billing cycle, you can earn $20 back as a statement credit after spending $1,000 on purchases or $10 back as a statement credit after spending $500 to $999.99 on purchases. Loyalty Point bonus: Earn a 10,000 Loyalty Point bonus after reaching 50,000 Loyalty Points in a status qualification year. Earn another 10,000 Loyalty Points after reaching 90,000 Loyalty Points in the same year. Car rental credit: Earn up to $120 in statement credits each calendar year when booking eligible prepaid car rentals through Avis.com or Budget.com. Miles boost: After spending $150,000 on purchases in a calendar year, receive five AAdvantage miles for every $1 spent on eligible American Airlines purchases for the remainder of the year. The Citi AAdvantage Executive World Elite Mastercard also provides up to $120 annual Lyft credit, up to $120 annual Grubhub credit, and a fee credit for Global Entry or TSA PreCheck. $125 flight discount: Earn a $125 American Airlines flight discount after spending $20,000 or more during your card membership year and after you renew your card. Read our full Citi AAdvantage Platinum Select review $250 travel credit: Receive up to $250 in statement credits each year for eligible travel purchases. Fourth night free: Receive the fourth night of your stay free when you book a hotel stay of four consecutive nights or more through the Citi ThankYou travel portal. This benefit can be used twice per calendar year. The Citi Prestige also has a fee credit for Global Entry or TSA PreCheck. Note: This card is not available for new applications. Companion certificate: Earn an American Airlines companion certificate (redeem for $99 plus taxes and fees) for domestic travel after spending $30,000 during your card membership year and your card is renewed. Admirals Club Globe Passes: Receive four Admirals Club Globe Passes each calendar year. Up to $240 Turo credit: Earn up to $30 in statement credits for each eligible Turo trip completed, for a total of up to $240 in statement credits annually. You must link your card to your Turo account to qualify. Up to $100 in-flight purchase credit: Earn up to $100 in annual statement credits on American Airlines in-flight purchases. Up to $100 Annual Splurge credit: Earn up to $100 in annual statement credits on your choice of purchases from two of the following brands: 1stDibs, eligible AAdvantage Hotels™ bookings, Future Personal Training, and Live Nation® (exclusions apply). Flight Streak bonus: Earn a 5,000 Loyalty Point bonus after every four qualifying American Airlines flights (up to 15,000 additional Loyalty Points each status qualification year). American Airlines Companion Certificate: Receive an American Airlines Companion Certificate each time you renew your card membership, starting in your second year. The Citi / AAdvantage Globe Mastercard also offers a fee credit for Global Entry or TSA PreCheck every four years. Up to $300 annual hotel benefit: Receive up to $300 off a hotel stay of two nights or more each calendar year when booked through cititravel.com. Up to $200 Annual Splurge credit: Earn up to $200 in annual statement credits on your choice of purchases from two of the following brands: 1stDibs, eligible AAdvantage Hotels™ bookings, Future Personal Training, and Live Nation® (exclusions apply). Up to $200 annual Blacklane credit: Earn up to $200 in annual statement credits when booking with Blacklane. Up to $100 from January through June, and up to $100 from July through December. Admirals Club passes: Receive four Admirals Club passes each calendar year. Citigold: Qualifying Citigold clients receive a $145 Banking Relationship Annual Credit if the primary cardmember has an open and current Strata Elite℠ Card account with an assessed Annual Membership Fee of $595. The Citi Strata Elite also offers a fee credit for Global Entry or TSA PreCheck every four years. Travel and dining credit: Receive up to $325 in annual statement credits for eligible travel and dining purchases. The U.S. Bank Altitude Reserve also has a fee credit for Global Entry or TSA PreCheck. Note: This card is not available for new applications. Read our full Wells Fargo Autograph Journey Card review Elite night credits: Receive 10 Elite night credits each calendar year. Elite night credits: Receive 20 Elite night credits each calendar year. Anniversary bonus: Earn 30,000 bonus points on each account anniversary. The Choice Privileges Select Mastercard also has a fee credit for Global Entry or TSA PreCheck. Gold tier: Spend $15,000 in a calendar year to unlock One Key Gold tier. Platinum tier: Spend $30,000 in a calendar year to unlock One Key Platinum tier. Anniversary bonus: Get $100 in OneKeyCash each cardholder anniversary. The One Key+ Card also has a fee credit for Global Entry or TSA PreCheck. This article was edited by Alicia Hahn Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product. The Citi / AAdvantage Platinum Select World Elite Mastercard provides a generous welcome bonus and numerous benefits when flying the American Airlines. The Amex Platinum Card comes with a high annual fee, but it doesn't skimp on the perks. The Citi Strata Elite is the latest premium card for travelers, complete with perks for American Airlines flyers. Here’s how it stacks up against other luxury cards. If you're willing to shell out for its annual fee, the Amex Business Platinum offers a wide range of luxury perks. Learn more about how you can gain access to airport lounges and boost your MileagePlus rewards with this airline credit card. Whether you’re looking for cash back, travel rewards, an intro 0% APR, or anything in between, the best Amex cards have something for almost everyone.
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