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2020

Best Premium Credit Cards – Enjoy Luxury Benefits and Services

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Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

Best Premium Credit Cards – Enjoy ...
Brendan Harkness

By Brendan Harkness

Selection Criteria

  • Better-than-average perks: No need to settle for simple dining credits or cash back. These rewards cards give you luxury-level benefits like enhanced hotel status and free stays, complimentary airport lounge access, and special privileges when making travel reservations.
  • Point transfer opportunities: Most of these cards won’t lock you into using your rewards in certain ways. Although airline and hotel cards typically provide the best redemption rates at their affiliated brands (which makes sense), the best general travel cards let you transfer your points to a variety of airlines and hotels, where you can use them as you see fit.
  • Travel-friendly services and features: Premium cards are pretty much all made for travel. The best of them have useful concierge and reservation services that can help you book trips that meet your needs, whether you’re looking for economical flights or plush hotel suites.
  • High annual fee: Well, we didn’t pick them for this reason, but it’s one common feature of high-end cards. The annual fee is often around $450–$550, though you typically get annual statement credits to help lighten the load.

We’ve only included cards you can actually apply for on this page — there are also some premium premium cards, like the Centurion® Card from American Express (Review) and Dubai First Royale Card. But they’re exclusive and typically invite-only, so most of us are stuck gazing at them from afar.

Is a Premium Credit Card Right for You?
Best Premium Credit Cards – Enjoy ...
Brendan Harkness

By Brendan Harkness

Is a Premium Credit Card Right for You?

You might be surprised to learn that a premium travel rewards credit card isn’t out of reach, and could fit your lifestyle pretty well if you travel with any regularity.

One of the first things you’ll probably notice about these cards is the annual fee. It’s usually at least $450, sometimes as high as $550 or more. For many people that’s a deal breaker right off the bat.

But consider this: Most premium cards also have annual travel credits, which can knock down the annual fee by $250 or more, sometimes even completely. Then you’ve got the perks, some of which have definite values (a Global Entry application fee credit is $100) and some that can vary (a free hotel night).

The value you get from your card will depend on how much you use it, and how you feel about the features. How much would you value Amex’s Global Lounge Collection, which provides access to a wide swath of airport lounges? If you fly every month and love to lounge, maybe a lot; if you fly once or twice per year, or don’t care about lounges, maybe not very much.

Although they’re typically designed for people with high credit scores, many people qualify for premium cards with scores in the “good” range. That’s because credit card applications take into account more factors than just your scores, like income. You may have a better shot at approval than you think (see if you’re pre-qualified before you apply).

So, consider your recent travel habits and any upcoming plans. If you’ll get enough out of it, taking advantage of the perks and using your rewards wisely, a premium card could give back far more than you put into it.

Selection Criteria
BEST PICK FOR

Premium Travel

Chase Sapphire Reserve®

Chase Sapphire Reserve®

Our rating
Min. credit level Excellent
Details
Annual Fee $550
Regular APR 18.49% - 25.49% Variable

The Chase Sapphire Reserve® (Review) has just what a lot of travelers are looking for.

You’ll earn points on travel and dining, which go well together. The transfer partners are extensive, and always at a 1:1 rate; that means you can move your rewards to quite a few airlines and hotels, where you could find a better value for them.

If you don’t want to deal with that, you can get a 50% bonus (for 1.5 cents per point) by redeeming for travel purchases through Chase’s own booking service, via the Ultimate Rewards program.

The Sapphire Reserve’s perks are solid too. You’ll get a complimentary Priority Pass Select membership and a Global Entry/TSA PreCheck fee credit, which are pretty standard for premium cards. There’s a $300 travel credit, which takes a big dent out of the annual fee. And you’ll get primary auto insurance for rental vehicles, an unassuming but powerful benefit that could save you a lot of cash in an accident.

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides
  • 3X Ultimate Rewards points per dollar on:
    • Travel (after the full travel credit is used)
    • Dining
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 50,000 bonus points for spending $4,000 in the first 3 months after account opening
  • 50% point bonus: Redeem for travel expenses (like airfare or hotels) through Chase Ultimate Rewards to get a 50% point bonus.
  • Point transfer: To a variety of popular airline and hotel loyalty programs at a 1:1 rate, including JetBlue, United, and Marriott Bonvoy.
  • Annual $300 travel credit: An automatic $300 credit that will applied to eligible travel expenses (of which there are many).
  • Complimentary Priority Pass Select membershipAccess to Priority Pass airport lounges around the world with a one-time enrollment process.
  • Global Entry or TSA PreCheck application fee credit: Get reimbursed for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every four years.
  • Luxury Hotel & Resort Collection: Discounts, benefits, and perks at participating locations around the world.
  • Elite Hotel Benefits at Relais & Châteaux: Accelerated progress towards Club 5C member status at Relais & Châteaux.
  • Special car rental privileges: Rental upgrades, discounts, and special offers at Avis, Silvercar, and National Car Rental.
  • Auto Rental Collision Damage Waiver: Provides primary coverage for rental cars when you decline the rental company’s own insurance.
  • Lyft Pink membership: One free year of Lyft Pink, which includes 15% off rides, relaxed cancellations, surprise offers, and priority airport pickup.
  • DoorDash membership: A free membership (DashPass) for a year, which provides free delivery for orders of $12 or more.
  • $60 annual DoorDash credit: Get $60 in DoorDash credits in 2020, and $60 in credits in 2021.
  • No foreign transaction fee
  • Annual fee: $550
U.S. Bank Altitude Reserve Visa Infinite® Card

U.S. Bank Altitude Reserve Visa Infinite® Card

  • 3X points per dollar on:
    • Travel
    • Mobile Wallet purchases
  • 1X point per dollar on all other purchases
  • 50,000 bonus points for spending $4,500 in the first 90 days of membership
  • Perks: $325 travel credit; 12-month Priority Pass Select membership; Global Entry/TSA PreCheck fee credit; enhanced status at Relais & Châteaux hotels and resorts
  • No foreign transaction fee
  • Annual fee: $400
View card details
HSBC Premier World Elite Mastercard® Credit Card

HSBC Premier World Elite Mastercard® Credit Card

  • 3X points per dollar on Travel
  • 2X points per dollar on Dining
  • 1X point per dollar on all other purchases
  • 50,000 bonus points after spending $4,000 in the first three months of account opening
  • Perks$100 annual air travel credit; LoungeKey airport lounge access; 10% off at Expedia, Agoda, and onefinestay
  • No foreign transaction fee
  • Annual fee: $395
View card details
BEST PICK FOR

Luxury Perks

The Platinum Card® from American Express

The Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $550
Regular APR N/A
Apply Now

securely on the issuer's website

Spending a lot of time in airports and hotels can be a hassle, but it doesn’t have to be so bad. Relaxing in an airport lounge and then enjoying upgraded hotel status can help take the edge off.

That’s exactly what you can do with The Platinum Card® from American Express (Review). You’ll get the best airport lounge offer available on any credit card — that includes the usual Priority Pass Select membership, which is all that most cards offer, along with access to Amex’s Centurion Lounges and International Lounges, Delta Sky Clubs, and several more (see other cards with lounge access here).

When you arrive, your Uber VIP status and monthly credit (more perks of the card) can help you get to your hotel. And there, Hilton Honors Gold or Marriott Bonvoy Gold Elite status can provide point bonuses, room upgrades, and free breakfast (depending on the hotel brand).

All that and more can be yours, for a yearly fee that might seem steep but could be justified for frequent travelers.

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through Amex Travel
    • Prepaid hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 60,000 bonus points for spending $5,000 in purchases in the first 3 months
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • $200 annual airline fee credit: Good for incidental costs like baggage fees and in-flight food (not flight tickets) at your selected airline.
  • Uber VIP status and $200 annual Uber credit: $15 in statement credits for Uber rides each month, except for December which gets $35.
  • $100 annual Saks credit: Up to $100 in statement credits each year for Saks Fifth Avenue: $50 from January through June, and $50 from July through December.
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years).
  • The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay.
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties.
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status.
  • Point transfer: To a selection of airline and hotel loyalty programs.
  • No foreign transaction fee
  • Annual fee: $550
  • Charge card: You must pay your statement balance in full each month.
The Business Platinum Card®  from American Express

The Business Platinum Card® from American Express

  • 5X Membership Rewards points per dollar on flights and prepaid hotels on the Amex Travel website
  • 2X Membership Rewards points per dollar on other purchases from the American Express Travel website
  • 1.5X Membership Rewards points per dollar on eligible purchases of $5,000 or more
  • 1X Membership Rewards point per dollar on all other purchases
  • 75,000 bonus points for spending $15,000 in the first 3 months
  • Perks: $200 airline fee credit; Global Lounge Collection airport lounge access; Global Entry/TSA PreCheck fee credit; Hilton Honors Gold and Marriott Bonvoy Gold Elite status
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $595
View card details
Crystal® Visa Infinite® Credit Card

Crystal® Visa Infinite® Credit Card

  • 3X points per dollar on:
    • Travel
    • Restaurants
  • 1X point per dollar on all other purchases
  • Perks: Two Priority Pass Select memberships; $350 annual airline fee credit; $550 airport lounge credit for spending $50K; Visa Luxury Hotel Collection, Hotel/Car Rental Privileges; GroundLink Chauffeured Black Car Service; Crystal Card Experiences
  • Purchase APR: 13% Fixed
  • No foreign transaction fee
  • Annual fee: $400
View card details
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

BEST PICK FOR

Long Hotel Stays

Citi Prestige® Card

Citi Prestige® Card

Our rating
Min. credit level Good
Details
Annual Fee $495
Regular APR 17.99%–24.99% Variable
Apply Now

securely on the issuer's website

If you stay in hotels often, you already know that member programs and special deals will offer free nights if you stay a certain number of nights. Well, you can get that perk on demand with the Citi Prestige® Card (Review).

Cardholders get their fourth night free when booking at least four nights in a row through ThankYou.com, which can save a ton of money at high-end hotels. This feature is now capped at twice per year, but just imagine using it for an aspirational trip to the Four Seasons Resort Seychelles, which could cost over $1,500 per night!

That’s the Prestige’s main attraction, but you’ll also get the basics you should expect from a premium card: airport lounge access (Priority Pass), a travel credit ($250), a security screening credit, and point transfer partners.

That comes for an annual fee that’s a bit lower than some other high-end cards, though you won’t get much in the way of shopping and travel protections (Citi cut those recently).

Spending Rewards
  • 5X ThankYou points per dollar spent on:
    • Air travel
    • Restaurants
  • 3X ThankYou points per dollar spent on:
    • Hotels
    • Cruise lines
  • 1X ThankYou point per dollar for every other purchase
Introductory Bonus Offer
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
  • Point transfer: To a variety of airline loyalty programs, including Etihad Guest, JetBlue TrueBlue, and Virgin Atlantic Flying Club
  • Annual $250 travel credit: Good for airline tickets, hotel rooms, car rentals, and other travel expenses
  • Complimentary 4th Night Stay: Get your fourth night free when booking four nights in a row through ThankYou.com and paying with your card, ThankYou points, or a combination of both. Capped at twice per year.
  • Complimentary Priority Pass Select membership: Access to over 900 Priority Pass airport lounges and restaurants around the world
  • Global Entry or TSA PreCheck application fee credit: A credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85), once every five years
  • Citi Prestige Concierge: Call for non-emergency help any time you need it.
  • World Elite Car Rental Program: Elite memberships at Avis, Silvercar, and National
  • No foreign transaction fee
  • Annual fee: $495
  • 5X ThankYou points on Air travel and Restaurants
  • 3X ThankYou points on Hotels and Cruise Lines
  • No limit to the amount of points you can earn
  • Rewards never expire
  • $250 travel credit
  • Complimentary 4th night free on eligible hotel stays, capped at twice per year
  • Complimentary Priority Pass Select membership
  • Global Entry or TSA Pre✓ Application Fee Credit
  • No foreign transaction fees
  • $495 annual fee

The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Hilton Stays

Hilton Honors Aspire Card

Hilton Honors Aspire Card

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 16.74%–25.74% Variable
Apply Now

securely on the issuer's website

It’s simple — if you stay in Hilton hotels often, you should consider a co-branded Hilton credit card. And if you’re a big spender, the Hilton Honors Aspire Card might be the right pick.

You’ll get a heady selection of benefits every time you book, like Hilton Honors Diamond status so you can earn more points, snag room upgrades, and enjoy free breakfast. There’s a free weekend night each year, $500 in airline/resort statement credits, and a $100 property credit you can use each time you book a qualifying two-night stay at Waldorf Astoria and Conrad properties.

Spending Rewards
  • 14X Hilton Honors Bonus points per dollar for eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio
  • 7X Hilton Honors points per dollar spent on:
    • Flights booked directly with airlines or amextravel.com
    • Car rentals booked directly from select car rental companies
    • U.S. restaurants
  • 3X Hilton Honors points per dollar spent on all other purchases
Introductory Bonus Offer
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Complimentary Hilton Honors Diamond status: Includes a 100% bonus on Base points earned, room upgrades to suites when available, executive lounge access, a 48-hour room guarantee, and more
  • Annual free Weekend Night Award: One free night every year, and earn another free weekend night by spending $60,000 in a calendar year
  • Annual $250 Hilton resort statement credit
  • Annual $250 airline fee statement credit: For incidental fees only
  • $100 Hilton on-property credit: Good for every eligible stay of two nights or more at Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts, valid for incidental fees only
  • Priority Pass Select membership: Complimentary access to Priority Pass airport lounges (excludes non-lounge experiences)
  • No foreign transaction fee
  • Annual fee: $450
  • 14X Bonus Points per dollar at participating Hilton Portfolio hotels and resorts
  • 20X additional Base Points per dollar at Hilton Portfolio hotels and resorts for your Diamond member status
  • 7X Bonus Points per dollar at U.S. restaurants, flights booked directly with airlines, select car rentals
  • 3X Bonus Points per dollar on all other eligible purchases
  • 150,000 Bonus Points for spending $4,000 in the first 3 months
  • Complimentary Hilton Honors Diamond status and other benefits
  • No foreign transaction fees
  • $450 annual fee

The information related to Hilton Honors Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Marriott Bonvoy Stays

Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 16.74%–25.74% Variable
Apply Now

securely on the issuer's website

The Marriott Bonvoy Brilliant™ American Express® Card (Review) packs a punch.

As soon as you become a cardholder you’ll be bumped up to Marriott Bonvoy Gold Elite status, which gives a nice point bonus and quality-of-life upgrades like late checkout, enhanced WiFi, and literal room upgrades. There are even 15 Elite Night Credits to help you reach Platinum Elite, the next level.

The other perks are pretty standard for an expensive hotel card: a decent annual credit to help offset the annual fee, a free night each year which could be quite valuable, and airport lounge access to help make your trips more comfortable all around.

If you enjoy the many locations and services at Marriott Bonvoy properties, the Brilliant card might be the perfect way to save a bit of money and have a better time while you’re at it.

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Bonus points for:
    • Flights booked directly from airlines
    • U.S. restaurants
  • 2X Bonus points for all other purchases
Introductory Bonus Offer
  • 75,000 bonus points for spending $3,000 in the first 3 months
  • $300 annual Marriott Bonvoy hotel credit: Up to $300 in statement credits for eligible purchases
  • Free Night Award: Every year after your account anniversary you’ll get a Free Night Award, good for redemption values of 50,000 points or less.
  • Priority Pass Select membership: Free access to Priority Pass airport lounges for you and up to two guests (excludes non-lounge experiences)
  • Application fee credit for Global Entry or TSA PreCheck: A statement credit for the application fee of either Global Entry ($100 every five years) or TSA PreCheck ($85 every four-and-a-half years)
  • Complimentary Gold Elite hotel status: Includes perks like a 25% bonus on base points, 2 p.m. late checkout, and more
  • 15 Elite Night Credits: Each year you’ll get 15 Elite Night Credits towards a higher member status.
  • $100 property credit: Earn up to $100 in property credits when booking at least two nights direct with a special rate code at The Ritz-Carlton or St. Regis.
  • Bonus points for airline transfers: Get 15,000 bonus points for every 60,000 points transferred to airline programs
  • Annual fee: $450
  • 6X points per dollar at Marriott Bonvoy hotels
  • 3X points per dollar at U.S. restaurants and on flights booked directly with airlines
  • 2X points per dollar spent on all other purchases
  • 75,000 bonus points for spending $3,000 in the first 3 months after account opening
  • $300 Marriott Bonvoy annual statement credit
  • Free Night Award every year after your card anniversary
  • Complimentary Marriott Bonvoy Gold Elite status, Platinum Elite status after spending $75,000 per year
  • Priority Pass Select membership
  • Fee credit for Global Entry or TSA Pre✓ application
  • $450 annual fee

The information related to Marriott Bonvoy Brilliant™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

American Airlines

Citi® / AAdvantage® Executive World Elite™ Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®

Our rating
Min. credit level Excellent
Details
Annual Fee $450
Regular APR 15.99% - 24.99% (Variable)
Apply Now

securely on the issuer's website

The Citi® / AAdvantage® Executive World Elite Mastercard® is a pretty run-of-the-mill high-end airline card, in most respects. But if you tend to travel with a big family, it has a nice feature that could make your trips to the airport a lot less stressful.

Cardholders get an Admirals Club airport lounge membership, with up to two guests for free, as you’d expect. But that’s not all. This is a great deal, because:

  • You can designate up to 10 authorized users of this card for free
  • Each authorized user gets his or her own complimentary access to Admirals Club lounges, and that includes two free guests
  • Authorized users can access the lounges on their own, without being accompanied by the primary cardholder

So you could potentially bring a whole lot of people into an Admirals Club lounge, if you set up authorized users beforehand. Authorized users don’t get full Admirals Club memberships, only access to AA lounges, but it’s still an excellent feature.

The other American Airlines credit cards don’t have that benefit but are still impressive in some ways.

Spending Rewards
  • 2X AAdvantage miles per dollar for American Airlines purchases
  • 1X AAdvantage mile per dollar spent everywhere else
Introductory Bonus Offer
  • Earn 50,000 AAdvantage bonus miles when you spend $5,000 in the first 3 months of account opening
  • Admirals Club membership: You and up to ten authorized users have access to the Admirals Club airport lounge, with two free guests per cardholder.
  • Global Entry or TSA PreCheck application credit: Get a credit for the application fee of either Global Entry ($100) or TSA PreCheck ($85) once every five years.
  • Elite Qualifying Miles: Earn 10,000 Elite Qualifying Miles after spending $40,000 on purchases in a given year.
  • Reduced Mileage Awards: Get discounted travel for round trip (7,500 miles off) and one-way flights (3,750 miles off).
  • Enhanced Airport Experience: Including priority check-in, screening, and boarding privileges
  • 25% discount on in-flight purchases on AA flights: Applied to in-flight purchases of food and beverages only
  • First checked bag free on AA flights: For you and up to eight traveling companions
  • No foreign transaction fee
  • Annual fee: $450
  • Earn 50,000 American Airlines AAdvantage®bonus miles after spending $5,000 in purchases within the first 3 months of account opening
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
  • No Foreign Transaction Fees on purchases
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 15.99% – 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

The information related to Citi® / AAdvantage® Executive World Elite Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

BEST PICK FOR

Delta Air Lines

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card

Our rating
Min. credit level Excellent
Details
(Rates & Fees)
Annual Fee $550
Regular APR 15.74–24.74% Variable
Apply Now

securely on the issuer's website

High-end airline cards aren’t typically as impressive as their hotel counterparts, but they can still give you a fair bang for your buck if you’ll use them enough.

The Delta SkyMiles® Reserve American Express Card (Review) is the premium Delta offer, though, like almost all airline cards, it still only offers 2X miles for flights. That’s in addition to the miles you’d normally earn, so it’s a bit of a boost, but not as much as you might expect.

This card offers complimentary access to Delta Sky Clubs, which are regarded pretty highly, but it got even better recently when it started providing access to Amex’s Centurion Lounges as well. That’s not something you’ll get with other airline cards, setting the Delta Reserve at a nice advantage.

The other big perk is the annual companion certificate, which can be pretty valuable as it’s good for Domestic First Class. Overall, it’s still worth checking out all the Delta credit cards before making a decision.

Spending Rewards
  • 3X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 1X SkyMile per eligible dollar spent everywhere else
Introductory Bonus Offer
  • 80,000 bonus miles and 20,000 MQMs for spending $5,000 in the first 3 months; 20,000 bonus miles after your first cardmember anniversary (expires 4/1/2020)
  • Delta Sky Club and Centurion Lounge access: Get complimentary access to Delta Sky Clubs, with up to two guests at $39 each, plus complimentary access to Centurion Lounges, with up to two guests at $50 each. Includes two free Delta Sky Club one-time guest passes.
  • Annual Companion Certificate: A certificate for a Domestic First Class, Delta Comfort+, or Main Cabin round-trip flight
  • Status Boost: Earn 15,000 MQMs for spending $30,000, up to four times per calendar year.
  • First checked bag free on Delta flights: For you and up to eight traveling companions
  • Priority Boarding on Delta flights: Get on the plane more quickly with Zone 1 priority boarding
  • Complimentary upgrades: If you don’t have Medallion status you can still get some upgrades for free.
  • 20% in-flight discount on Delta flights: A 20% discount on eligible in-flight purchases, like food, beverages, movies, and audio headsets
  • No foreign transaction fee
  • Annual Fee: $550
Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

  • 3X SkyMiles per eligible dollar for purchases made directly with Delta Air Lines
  • 1.5X SkyMiles per eligible dollar on all purchases for the rest of the year after spending $150,000 in a calendar year
  • 1X SkyMile per eligible dollar on all other purchases
  • 80,000 bonus miles and 20,000 MQMs for spending $5,000 in the first 3 months; 20,000 bonus miles after your first cardmember anniversary (expires 4/1/2020)
  • PerksComplimentary Delta Sky Club and Centurion Lounge access; annual companion certificate; 20% in-flight discount; free first checked bags; Priority Boarding
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $550
View card details
  • Earn up to 100,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs). Earn 80,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. Offer Expires 4/1/2020.
  • New! With Status Boost™, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different than miles you earn toward flights.
  • New! Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Complimentary access into the Delta SkyClubs® for you when traveling on a Delta flight.
  • New! Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card.
  • Enjoy your first checked bag free and Main Cabin 1 Priority Boarding on Delta flights.
  • No Foreign Transaction Fees.
  • $550 annual fee.
  • Terms Apply.
  • See Rates & Fees
BEST PICK FOR

United Airlines

New! United Club℠ Infinite Card

New! United Club℠ Infinite Card

Our rating
Min. credit level Good
Details
Annual Fee $525
Regular APR 17.99% - 24.99% Variable

Ever walk by a United Club lounge and gaze enviously at the lucky people inside? The New! United Club℠ Infinite Card (Review) might have just what you need.

Cardholders get a complimentary lounge membership, with up to two guests for free during each visit. Most expensive airline cards give access to their associated lounge brands, so no big surprise there.

Most of the other benefits are good but no surprise, like priority check-in and security screening, and free first and second checked bags. But you’ll also get some hotel perks to help out once you reach your destination, including World of Hyatt Discoverist status and access to Chase’s Luxury Hotel and Resort Collection. And your Hertz President’s Circle elite status can make sure you always ride in style.

Too pricy? See other United credit cards with lower annual fees.

Spending Rewards
  • 4X miles per dollar spent on United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • 1X mile per dollar spent everywhere else
Introductory Bonus Offer
  • 100,000 bonus miles after spending $5,000 in the first 3 months after account opening
  • United Club membership: Complimentary membership to the United Club airport lounge, with free access for you and two guests
  • Premier Access airport travel services: Includes priority check-in and security screening, and boarding/baggage handling privileges
  • Luxury Hotel & Resort Collection: Hotel perks like daily breakfast for two, complimentary WiFi, and room upgrades when available
  • World of Hyatt Discoverist status: A 10% point bonus, room upgrades, and other benefits at Hyatt properties
  • Hertz Gold Plus Rewards President’s Circle elite status: Get a 25% point bonus, upgrades, and exclusive offers at Hertz.
  • Complimentary Premier Upgrades on United award flights: MileagePlus Premier members can get award ticket upgrades when available.
  • Free first and second checked bags: For you and one traveling companion, on United flights
  • Global Entry or TSA PreCheck fee credit: Get a $100 credit for the application fee of Global Entry, or $85 for TSA PreCheck, once every four years.
  • No foreign transaction fee
  • Annual fee: $525
United MileagePlus® Club Business Card

United MileagePlus® Club Business Card

  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
  • 100,000 bonus miles for spending $10,000 on purchases in the first 3 months
  • Perks: United Club membership, free first and second checked bags, 25% back on in-flight purchases, Premier Access travel services
  • No foreign transaction fee
  • Annual fee: $450
View card details
BEST PICK FOR

Unlimited Priority Pass Guests

Mastercard® Black Card™

Mastercard® Black Card™

Our rating
Min. credit level Excellent
Details
Annual Fee $495
Regular APR 16.49% Variable
Apply Now

securely on the issuer's website

There’s not a lot to recommend the Mastercard® Black Card™ (Review) — it has a relatively high fee for the value it provides, with low rewards and benefits that are decent while not being quite good enough.

But it does have one interesting and rare feature, besides being very heavy: It gives you a Priority Pass Select membership with unlimited guests. If you’ve got the travel bug and a big family, or you tend to travel in groups, this could be a way to save quite a bit of money.

Considering the Priority Pass guest fee is currently $32, and most other premium cards only allow you to bring in two guests for free, you might save hundreds of dollars per trip depending on how many people you have. That may or may not be worth the fee, when considering what you can get from other premium cards; but it might be worth considering.

Spending Rewards
  • 1X point per dollar on all purchases

Your points will be worth 2 cents each when redeemed for airfare, and 1.5 cents each for cash back. Clearly, this isn’t a card you get for the rewards.

  • $100 annual airline credit
  • Priority Pass Select membership: Complimentary access for you and unlimited guests
  • Global Entry application fee credit: A credit for Global Entry ($100), which can include TSA PreCheck, once every five years
  • Other perks: Luxury concierge, Luxury gifts, subscription to LUXURY MAGAZINE, shopping and travel protections
  • Balance Transfer APR: 0% for 15 months, then 16.49% Variable
  • Purchase APR: 16.49% Variable
  • No foreign transaction fee
  • Annual fee: $495
Mastercard® Gold Card™

Mastercard® Gold Card™

  • 1X point per dollar on all purchases
  • Points are worth 2 cents each for airfare or statement credits
  • Perks: Priority Pass Select membership, with unlimited guests; $200 annual airline fee credit; Global Entry fee credit
  • Balance Transfer APR: 0% for 15 months, then 16.49% Variable
  • Purchase APR: 16.49% Variable
  • No foreign transaction fee
  • Annual fee: $995
View card details
  • Patented black PVD metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions.
  • 1.5% value for cash back redemptions.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat.
  • Exclusive Luxury Card Travel® benefits (e.g., amenities, room upgrades and complimentary food and beverages).
  • Up to $100 annual airline credit and $100 Global Entry and TSA Pre-Check application fee credit.
  • Cell Phone Protection, Lyft credits, Postmates discounts, Fandango perks and more.
  • Annual fee: $495 ($195 for each Authorized User).
  • Terms and conditions apply.
BEST PICK FOR

Business Travel

The Business Platinum Card®  from American Express

The Business Platinum Card® from American Express

Our rating
Min. credit level Good
Details
(Rates & Fees)
Annual Fee $595
Regular APR N/A
Apply Now

securely on the issuer's website

The Business Platinum Card® from American Express (Review) is the business version of the consumer Amex Platinum card. It’s similar in a lot of ways, with a few differences that could make it more effective for small business owners.

The rewards are nearly identical, except you’ll also get 1.5X points on big purchases of $5,000 or more, up to 1 million extra points per year. That can be handy if those purchases aren’t covered by another card’s bonus categories.

You’ll get most of the same great benefits, including airport lounge access and elite hotel status. But you won’t get any Uber or Saks credits, and will instead get an annual $200 Dell credit. There’s also a 35% point bonus when redeeming for airfare (you get those points back), and that can be a decent way to use your rewards. But, like the regular consumer card, you can likely find a better value by transferring to an airline or hotel loyalty program.

Spending Rewards
  • 5X Membership Rewards points per dollar on:
    • Flights booked directly through airlines or through Amex Travel
    • Prepaid hotels booked through Amex Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through Amex Travel
  • 1.5X Membership Rewards points per dollar on eligible purchases of $5,000 or more (up to 1 million extra points per year)
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus Offer
  • 75,000 bonus points for spending $15,000 in the first 3 months
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • $200 annual airline fee credit: Good for incidental costs like checked bags and in-flight food, not tickets, at your selected airline
  • Global Entry or TSA PreCheck application fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
  • Complimentary elite hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
  • The Hotel Collection: A $100 hotel credit and room upgrades (when available) for every eligible two-night stay
  • Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, amenities valued at $100, and more at eligible properties
  • $200 annual Dell credit: Enroll to get an annual $200 statement credit for U.S. purchases with Dell: $100 from January through June, and $100 from July through December.
  • 35% airline bonus: Get 35% of your points back when booking eligible airfare through Amex Travel using Membership Rewards Pay with Points.
  • Point transfer: To a selection of airline and hotel partners
  • No foreign transaction fees
  • Annual fee: $595
  • Employee cards: Get up to 99 employee cards, at various annual fees depending on the card type ($0–$300 annually).
American Express® Business Gold Card

American Express® Business Gold Card

  • 4X Membership Rewards points per dollar in the two categories you spend the most in each month, up to $150,000 per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • U.S. purchases for shipping
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
  • 2X Membership Rewards points per dollar on eligible purchases from Amex Travel
  • 1X Membership Rewards point per dollar on all other purchases
  • 35,000 bonus points for spending $5,000 in the first 3 months
  • Perks: 25% airline redemption bonus, point transfer to partner airlines and hotels, The Hotel Collection, Amex Offers
  • No foreign transaction fee (Rates & Fees)
  • Annual fee: $295
View card details
  • Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That’s an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to Citi Prestige® Card, Hilton Honors Aspire Card, Marriott Bonvoy Brilliant™ American Express® Card, and Citi® / AAdvantage® Executive World Elite Mastercard® have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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