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RATING
2021

Best Premium Credit Cards – Enjoy Luxury Benefits and Services

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The information related to Centurion® Card from American Express, Hilton Honors American Express Aspire Card, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve Business American Express Card, and American Express® Business Gold Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

How We Picked These Cards

  • 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?

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.

Best Pick For...

Premium Travel

Chase Sapphire Reserve®

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR16.99%-23.99% Variable
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants including eligible delivery services, takeout and dining out & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Why We Picked It

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.

Rewards
Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 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
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening
Key Features
  • 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).
  • $120 Peloton credit: Enroll to get up to $120 back for an eligible Peloton Digital or All-Access Membership (through 2021). No fitness equipment is required.
  • 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
Runners Up6

The Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
  • Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber Eats Pass; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

View card details

Citi Prestige® Card

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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening

  • Perks: 4th night free on hotel stays, Priority Pass Select membership, Global Entry/TSA PreCheck credit, point transfer partners, $250 travel credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

U.S. Bank Altitude Reserve Visa Infinite® Card

Spending Rewards
  • 5X points per dollar spent on:
    • Prepaid hotels booked in the Altitude Rewards Center
    • Car rentals booked in the Altitude Rewards Center
  • 3X points per dollar spent on:
    • Travel
    • Mobile Wallet purchases
    • Restaurants (until 7/1/21)
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 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

Hilton Honors American Express Aspire Card

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
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Perks: Hilton Honors Diamond status; Annual free Weekend Night Award; Annual $250 Hilton resort statement credit; Annual $250 airline fee statement credit; $100 Hilton on-property credit; Priority Pass Select membership; American Express Concierge
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Hilton Honors American Express Aspire Card (Rates & Fees)

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Marriott Bonvoy Brilliant™ American Express® Card

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
  • Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

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HSBC Premier World Elite Mastercard® Credit Card

Spending Rewards
  • 3X Rewards Program points per dollar on travel
  • 2X Rewards Program points per dollar on dining
  • 1X Rewards Program point per dollar on all other purchases
Introductory Bonus
  • 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
  • Min. credit levelGood
  • Annual Fee$695
  • Regular APRSee Pay Over Time APR

Rates & Fees

  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • New! American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
Why We Picked It

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 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. See an in-depth breakdown of the Platinum’s perks here.

Enrollment required for select benefits; terms and limitations apply.

Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
Key Features
  • Global Lounge Collection: Enroll for complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
  • Up to $200 in annual Uber Cash: Add your Platinum card to the Uber App to get up to $15 in Uber Cash per month, plus a bonus $20 in December; U.S. Eats orders and rides only.
  • $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
  • $300 Equinox credit: Pay with your Platinum card to get up to $300 in statement credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, E by Equinox, or Equinox+ membership fees.
  • $240 digital entertainment credit: Pay with your Platinum card to get up to $240 in statement credits annually for digital entertainment (up to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
  • CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP status where available.
  • 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
  • $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 Dining Access by Resy: Resy provides access to exclusive reservations and dining experiences.
  • Point transfer: To a selection of airline and hotel loyalty programs
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

Runners Up7

Chase Sapphire Reserve®

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 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
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening

  • Perks: $300 annual travel credit, Priority Pass Select membership, Global Entry/TSA PreCheck credit, Lyft Pink membership, DoorDash membership and credits, point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
View card details

Citi Prestige® Card

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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening

  • Perks: 4th night free on hotel stays, Priority Pass Select membership, Global Entry/TSA PreCheck credit, point transfer partners, $250 travel credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

Hilton Honors American Express Aspire Card

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
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
  • Perks: Hilton Honors Diamond status; Annual free Weekend Night Award; Annual $250 Hilton resort statement credit; Annual $250 airline fee statement credit; $100 Hilton on-property credit; Priority Pass Select membership; American Express Concierge
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Hilton Honors American Express Aspire Card (Rates & Fees)

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Marriott Bonvoy Brilliant™ American Express® Card

Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
  • Perks: $300 annual Marriott Bonvoy hotel credit; Marriott Bonvoy Gold Elite status; Free Night Award; Priority Pass Select membership; Global Entry/TSA PreCheck application fee credit; 15 Elite Night Credits annually; Bonus points for airline transfers
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

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Chase Sapphire Preferred® Card

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 2X Ultimate Rewards points per dollar for:
    • Travel
    • Restaurants
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $4,000 in the first 3 months from account opening

View card details

The Business Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
  • 1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
  • 1X Membership Rewards point per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 on eligible purchases within the first 3 months of Card Membership
  • 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
  • Annual fee: $595

The Business Platinum Card® from American Express (Rates & Fees)

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Crystal® Visa Infinite® Credit Card

Spending Rewards
  • 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
  • No foreign transaction fee
  • Annual fee: $400
View card details

American Express is a Credit Card Insider advertiser.

  • Min. credit levelGood
  • Annual Fee$250
  • Regular APRSee Pay Over Time APR

Rates & Fees

  • Rose Gold is back. You can now choose between Gold or Rose Gold.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • Get up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12/31/21.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Why We Picked It

There aren’t many high-end dining credit cards — usually dining comes second to travel. But the American Express® Gold Card (Review) puts food first, with a variety of perks to entice your taste buds.

You’ll get excellent rates for dining, including Uber Eats, plus U.S. supermarkets to help fill in the gaps. There are also some handy dining and Uber Eats credits, although these will really just serve to help offset the annual fee (limits apply; see terms in the following tabs).

There are also some airline rewards and travel benefits, but serious travelers will probably want a more focused travel rewards card.

The Amex Gold could be a great card to travel with, as an easy payment solution for all things eating, but keep in mind Amex doesn’t have the best acceptance outside the U.S. (although the situation is improving). So you may want a Visa or Mastercard as backup.

Rewards
Spending Rewards
  • 4X Membership Rewards points per dollar at:
    • Restaurants
    • U.S. Supermarkets (up to $25,000 per calendar year in purchases, then 1X)
  • 3X Membership Rewards points per dollar on:
    • Flights booked directly with airlines
    • Flights booked through amextravel.com
  • 1X Membership Rewards point per dollar for every other purchase
Introductory Bonus
  • 60,000 bonus points for spending $4,000 in the first 6 months
Key Features
  • $120 annual dining credit: Earn up to $10 in statement credits per month for purchases at eligible restaurants and food delivery services.
  • Point transfer: To airline and hotel loyalty programs, like JetBlue, Southwest, Marriott, and Hyatt
  • Up to $120 in Uber Cash: Add the Gold Card to the Uber App to get up to $10 in Uber Cash per month; U.S. Eats orders and rides only.
  • Uber Eats Pass: Get unlimited $0 delivery fees and 5% off orders at eligible restaurants for 12 months; must enroll by 12/31/21. Taxes and service fees may apply and do not count toward the order minimum. Eats Pass will start auto-billing 12 months from enrollment, at then-current monthly rate. Learn more.
  • The Hotel Collection: Provides up to $100 in credits for every eligible hotel stay of two nights or more, along with other perks.
  • Amex Offers: Find discounts and extra point opportunities at a changing selection of merchants (offers are limited; enrollment required).
  • ShopRunner membership: ShopRunner provides free two-day shipping and returns at participating online retailers.
  • No foreign transaction fee
  • Annual fee: $250

Enrollment required for select benefits; terms and limitations apply.

American Express® Gold Card (Rates & Fees)

Runners Up2

Citi Prestige® Card

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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening

  • Perks: 4th night free on hotel stays, Priority Pass Select membership, Global Entry/TSA PreCheck credit, point transfer partners, $250 travel credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

Chase Sapphire Reserve®

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 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
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening

  • Perks: $300 annual travel credit, Priority Pass Select membership, Global Entry/TSA PreCheck credit, Lyft Pink membership, DoorDash membership and credits, point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
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Long Hotel Stays

Citi Prestige® Card

Our rating:
  • Min. credit levelGood
  • Annual Fee$495
  • Regular APR16.99%–23.99% Variable
  • 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
Why We Picked It

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).

Rewards
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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening
Key Features
  • 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

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  • Min. credit levelExcellent
  • Annual Fee$450
  • Regular APR15.74%-24.74% (Variable)

Rates & Fees

  • Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you use your new Card to make $4,000 in eligible purchases within the first 3 months of Card Membership. Plus, enjoy a free Weekend Night Reward within your first year and every year after renewal.
  • Earn 14X Hilton Bonus Points when you make eligible purchases on your Card at participating hotels or resorts within the Hilton Portfolio.
  • Earn 7X Bonus Points for eligible purchases: on flights booked directly with airlines or amextravel.com, on car rentals booked directly from select car rental companies & at U.S. restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Enjoy up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio.
  • Enjoy complimentary Diamond status with your Hilton Honors Aspire Card.
  • $450 annual fee.
  • Terms Apply.
Why We Picked It

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 American Express 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.

Rewards
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
  • 150,000 bonus points for spending $4,000 on purchases in the first 3 months after account opening
Key Features
  • 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: Get up to $250 in Hilton Resort Credits on your Card each anniversary year, when you stay at participating resorts within the Hilton portfolio
  • 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)
  • American Express Concierge: Call for help with select services, like buying event tickets, making dining and other reservations, and finding hard-to-find items.
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Hilton Honors American Express Aspire Card (Rates & Fees)

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The Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
  • Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber Eats Pass; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

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Chase Sapphire Reserve®

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 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
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening

  • Perks: $300 annual travel credit, Priority Pass Select membership, Global Entry/TSA PreCheck credit, Lyft Pink membership, DoorDash membership and credits, point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
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Citi Prestige® Card

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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening

  • Perks: 4th night free on hotel stays, Priority Pass Select membership, Global Entry/TSA PreCheck credit, point transfer partners, $250 travel credit
  • No foreign transaction fee
  • Annual fee: $495
View card details

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

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  • Min. credit levelGood
  • Annual Fee$450
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

  • Earn 75,000 Marriott Bonvoy bonus points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Plus, earn up to $200 in Statement Credits for eligible purchases at U.S. Restaurants within the first 6 months of Card Membership.
  • Enjoy up to $300 in statement credits each year of Card Membership for eligible purchases at hotels participating in the Marriott Bonvoy(TM) program.
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy(TM) program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
  • Receive 1 free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy Points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy unlimited airport lounge visits when you enroll in Priority Pass(TM) Select membership.
  • No Foreign Transaction Fees.
  • $450 Annual Fee.
  • Terms Apply.
Why We Picked It

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.

Rewards
Spending Rewards
  • 6X Marriott Bonvoy Bonus points per dollar for eligible purchases charged on your Card directly with participating Marriott Bonvoy hotels
  • 3X Marriott Bonvoy points per dollar:
    • At U.S. restaurants
    • On flights booked directly with airlines
  • 2X Marriott Bonvoy points per dollar spent on all other purchases
Introductory Bonus
  • 75,000 bonus points for spending $3,000 in the first 3 months; up to $200 in statement credits for eligible purchases at U.S. restaurants in the first 6 months
Key Features
  • $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
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $450

Enrollment required for select benefits; terms and limitations apply.

Marriott Bonvoy Brilliant™ American Express® Card (Rates & Fees)

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The Platinum Card® from American Express

Spending Rewards
  • 5X Membership Rewards points per dollar (on up to $500,000 spent per calendar year, then 1X) on:
    • Flights booked directly through airlines or through American Express Travel
    • Prepaid hotels booked through American Express Travel
  • 2X Membership Rewards points per dollar on other eligible travel expenses booked through American Express Travel
  • 1X Membership Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $6,000 in the first 6 months; 10X points on eligible purchases at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during the first 6 months
  • Perks: Global Lounge Collection; Hilton Honors Gold and Marriott Bonvoy Gold Elite status; Global Entry/TSA PreCheck fee credit; Up to $200 in annual Uber Cash; Uber Eats Pass; Uber VIP status; Up to $100 in annual Saks credits; Point transfer; The Hotel Collection; Fine Hotels and Resorts
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $695

Enrollment required for select benefits; terms and limitations apply.

The Platinum Card® from American Express (Rates & Fees)

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Chase Sapphire Reserve®

Spending Rewards
  • 10X Ultimate Rewards points per dollar on Lyft rides (through 3/31/22)
  • 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
  • 60,000 bonus points for spending $4,000 in the first 3 months after account opening

  • Perks: $300 annual travel credit, Priority Pass Select membership, Global Entry/TSA PreCheck credit, Lyft Pink membership, DoorDash membership and credits, point transfer partners
  • No foreign transaction fee
  • Annual fee: $550
View card details

Citi Prestige® Card

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 spent on everything else
Introductory Bonus
  • 50,000 ThankYou points for spending $4,000 within 3 months of account opening

  • Perks: 4th night free on hotel stays, Priority Pass Select membership, Global Entry/TSA PreCheck credit, point transfer partners, $250 travel credit
  • No foreign transaction fee
  • Annual fee: $495
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  • Min. credit levelGood
  • Annual Fee$450
  • Regular APR15.99% - 24.99% (Variable)
  • 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.
Why We Picked It

The Citi® / AAdvantage® Executive World Elite Mastercard® (Review) 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.

Rewards
Spending Rewards
  • 2X AAdvantage miles per dollar spent on eligible American Airlines purchases
  • 1X AAdvantage mile per dollar spent on all other purchases
Introductory Bonus
  • 50,000 AAdvantage bonus miles for spending $5,000 in the first 3 months of account opening
Key Features
  • 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

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  • Min. credit levelExcellent
  • Annual Fee$550
  • Regular APR15.74% - 24.74% Variable

Rates & Fees

  • Earn 50,000 bonus miles and 10,000 Medallion(R) Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
  • Plus, earn up to $100 back in statement credits for eligible purchases at US restaurants with your card within the first 3 months of membership.
  • Accelerate your path to Medallion Status, with Status Boost(R). Plus, in 2021 you can earn even more bonus Medallion(R) Qualification Miles (MQMs) to help you reach Medallion Status.
  • Receive a Domestic First Class, Delta Comfort+(R) or Main Cabin round-trip companion certificate each year upon renewal of your Card.*Payment of the government-imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Complimentary access into the Delta Sky Club(R) for you when travelling on a Delta flight.
  • Enjoy complimentary access to The Centurion(R) Lounge when you book your Delta flight with your Reserve Card.
  • Fee Credit for Global Entry or TSA PreCheck(R).
  • Enjoy your first checked bag free on Delta flights.
  • Earn 3X Miles on Delta purchases.
  • Earn 1X Mile on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $550 annual fee.
  • Terms Apply.
Why We Picked It

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.

Rewards
Spending Rewards
  • 3X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 1X SkyMile per eligible dollar spent on all other purchases
Introductory Bonus
  • 50,000 bonus miles and 10,000 MQMs for spending $3,000 in the first 3 months; up to $100 back in statement credits for eligible purchases at U.S. restaurants in the first 3 months
Key Features
  • 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, in the form of a statement credit, on eligible in-flight purchases, like food, beverages, movies, and audio headsets
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve American Express Card (Rates & Fees)

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Delta SkyMiles® Reserve Business American Express Card

Spending Rewards
  • 3X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 1.5X SkyMiles per eligible dollar spent on all other purchases for the rest of the year after spending $150,000 in a calendar year
  • 1X SkyMile per eligible dollar spent on all other purchases
Introductory Bonus
  • 60,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $4,000 in the first 3 months
  • Perks: Delta Sky Club an Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost; Global Entry/TSA PreCheck fee credit
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)

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United Airlines

United Club℠ Infinite Card

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  • Min. credit levelExcellent
  • Annual Fee$525
  • Regular APR16.49% - 23.49% Variable
  • Earn 75,000 Bonus Miles.
  • Earn 4 miles per $1 spent on United purchases including tickets, Economy Plus, inflight food, beverages and Wi-Fi, and other United charges.
  • Earn 2 miles per $1 spent on all other travel
  • Earn 2 miles per $1 spent on dining at restaurants and eligible delivery services
  • Earn 1 mile per $1 spent on all other purchases
  • Up to $100 Global Entry or TSA PreCheck® fee credit
  • Free first and second checked bags – a savings of up to $320 per roundtrip. Terms Apply
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights when you pay with your Club Card.
Why We Picked It

Ever walk by a United Club lounge and gaze enviously at the lucky people inside? The 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.

Rewards

Spending Rewards
  • 4X miles per dollar spent on United purchases
  • 2X miles per dollar spent for:
    • Restaurants
    • Travel
  • 1X mile per dollar spent on all other purchases
Introductory Bonus
  • 75,000 bonus miles for spending $3,000 in the first 3 months

Key Features
  • 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
Runner Up1

United Club℠ Business Card

Spending Rewards
  • 2X miles per dollar spent on United Airlines purchases
  • 1.5X miles per dollar spent on all other purchases
Introductory Bonus
  • 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
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Unlimited Priority Pass Guests

Mastercard® Black Card™

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  • Min. credit levelExcellent
  • Annual Fee$495
  • Regular APR14.99% Variable
  • Patented black-PVD-coated metal card—weighing 22 grams.
  • 2% value for airfare redemptions with no blackout dates or seat restrictions. 1.5% value for cash back redemptions. Earn one point for every one dollar spent.
  • 24/7 Luxury Card Concierge®—available by phone, email and live mobile chat. Around-the-clock service to help you save time and manage tasks big and small.
  • Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties.
  • Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry.
  • Enrollment in Priority PassTM Select with access to 1,300+ airport lounges worldwide with no guest limit. Includes credits at select airport restaurants for cardholder and one guest.
  • Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
  • Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
Why We Picked It

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.

Rewards
Spending Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 1.5% cash back
    • Airfare redemption value: 2% cash back

Clearly, this isn’t a card you get for the rewards.

Key Features
  • $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 14.99% Variable
  • Purchase APR: 14.99% Variable
  • No foreign transaction fee
  • Annual fee: $495
Runners Up1

Mastercard® Gold Card™

Spending Rewards
  • 1X point per dollar for all purchases
    • Cash back redemption value: 2% cash back
    • Airfare redemption value: 2% cash back
  • 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 14.99% Variable
  • No foreign transaction fee
  • Annual fee: $995
View card details
  • Min. credit levelGood
  • Annual Fee$595
  • Regular APR14.24% - 22.24% Variable

Rates & Fees

Why We Picked It

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 up to $100 in statement credits semi-annually for U.S. Dell purchases. 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.

Rewards
Spending Rewards
  • 5X Membership Rewards points per dollar spent on flights and prepaid hotels on the American Express Travel website
  • 1.5X Membership Rewards points per dollar spent on eligible purchases of $5,000 or more (an extra .5 points per dollar, up to 1 million extra points per year)
  • 1X Membership Rewards point per dollar spent on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 on eligible purchases within the first 3 months of Card Membership
Key Features
  • Global Lounge Collection: Complimentary access to Priority Pass, Centurion, American Express International, Delta Sky Club, Escape, Airspace, Lufthansa, and Plaza Premium Lounges
  • Up to $200 in airline fee statement credits annually: Good for incidental costs like checked bags and inflight 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 once 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
  • $200 Dell statement 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
  • 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
  • Point transfer: To a selection of airline and hotel partners
  • No foreign transaction fee
  • Annual fee: $595

Enrollment required for select benefits; terms and limitations apply.

The Business Platinum Card® from American Express (Rates & Fees)

Runners Up6

American Express® Business Gold Card

Spending Rewards
  • 4X Membership Rewards points per dollar in the two categories with the highest spend per month, up to $150,000 in combined purchases per year (then 1X):
    • Airfare purchased directly from airlines
    • U.S. advertising purchases: online, TV, radio
    • U.S. providers of computer hardware, software, and cloud solutions
    • U.S. gas stations
    • U.S. restaurants
    • U.S. shipping
  • 2X Membership Rewards points per dollar for eligible purchases from American Express Travel
  • 1X Membership Rewards point per dollar for all other purchases
Introductory Bonus
  • 70,000 bonus points for spending $10,000 on eligible purchases within the first 3 months of Card Membership
  • Perks: 25% points back when booking eligible airfare through Amex Travel; The Hotel Collection; Point transfer; Amex Offers
  • Shopping and travel protections: Baggage Insurance Plan, Trip Delay Insurance, Car Rental Loss and Damage Insurance, Global Assist Hotline, Extended Warranty, Purchase Protection
  • No foreign transaction fee
  • Annual fee: $295

Enrollment required for select benefits; terms and limitations apply.

American Express® Business Gold Card (Rates & Fees)

View card details

Brex Daily Card

  • Rewards: Choose from one of three valuable rewards programs, two of which offer 5X points on hotels and airfare booked through Brex Travel
  • Perks: Point transfer; Thousands of dollars in statement credits, plus discounts and more, for services like Amazon Web Services, WeWork, Google Ads, SendGrid, and Twilio (explained here)
  • Expense management and receipt reconciliation tools
  • No foreign transaction fee
  • Annual fee: $0
  • Not available to sole proprietors, unregistered businesses, and other non-individual liability companies
View card details

Ink Business Preferred® Credit Card

Spending Rewards
  • 5X Ultimate Rewards points per dollar on Lyft rides (through March 2022)
  • 3X Ultimate Rewards points per dollar on the first $150,000 spent per year on:
    • Travel
    • Shipping
    • Internet, cable, and phone services
    • Advertising purchases made with social media sites and search engines
  • 1X Ultimate Rewards point per dollar on all other purchases
Introductory Bonus
  • 100,000 bonus points for spending $15,000 in the first 3 months after account opening
  • Perks: Point transfer; 25% point bonus for travel redemptions via Ultimate Rewards; Luxury Hotel & Resort Collection; Shopping and travel protections
  • No foreign transaction fee
  • Annual fee: $95
View card details

Delta SkyMiles® Reserve Business American Express Card

Spending Rewards
  • 3X SkyMiles per eligible dollar spent for purchases made directly with Delta Air Lines
  • 1.5X SkyMiles per eligible dollar spent on all other purchases for the rest of the year after spending $150,000 in a calendar year
  • 1X SkyMile per eligible dollar spent on all other purchases
Introductory Bonus
  • 60,000 bonus miles, 10,000 MQMs, and a $100 statement credit for spending $4,000 in the first 3 months
  • Perks: Delta Sky Club an Centurion Lounge access; Annual Companion Certificate; First checked bag free, Priority Boarding, 20% in-flight discount on Delta flights; Complimentary upgrades; Status Boost; Global Entry/TSA PreCheck fee credit
  • Shopping and travel protections: Purchase Protection; Extended Warranty; Return Protection; Baggage Insurance Plan; Car Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Interruption Insurance
  • No foreign transaction fee
  • Annual fee: $550

Enrollment required for select benefits; terms and limitations apply.

Delta SkyMiles® Reserve Business American Express Card (Rates & Fees)

View card details

Southwest Rapid Rewards® Performance Business Credit Card

Spending Rewards
  • 3X points per dollar spent on Southwest Airlines purchases
  • 2X points per dollar spent on:
    • Social Media and Search Engine Advertising
    • Internet
    • Cable
    • Phone Services
  • 1X point per dollar spent on all other purchases
Introductory Bonus
  • 80,000 bonus points for spending $5,000 in the first 3 months
  • Perks: Four upgraded boardings per year, Global Entry/TSA PreCheck credit, in-flight WiFi credits, anniversary bonus points
  • No foreign transaction fee
  • Annual fee: $199
View card details

United Club℠ Business Card

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

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Frequently Asked Questions

What’s the most expensive credit card you can apply for?

The Mastercard® Gold Card™ (Review) is the most expensive card you can actually apply for, at $995 per year.

We typically recommend other cards over that one, however, because you can get better rewards and perks for a smaller fee. Check out the Chase Sapphire Reserve® (Review) or The Platinum Card® from American Express (Review) if you want luxury benefits, like airport lounge access and complimentary services.

There are also some invitation-only cards that you probably can’t get your hands on (but hey, maybe one day). The fabled Centurion® Card from American Express (Review) costs $5,000 per year — and that’s after an initiation fee of $10,000! And there are a few other cards in similar (but significantly smaller) boats.

What’s the least expensive premium credit card?

“Premium” is in the eye of the beholder — most high-end cards cost more than $500 per year, but there are a few that are a bit less expensive:

What’s the most prestigious credit card?

The most prestigious credit cards in the world — in terms of being the most exclusive — include the following invite-only cards:

  • Centurion® Card from American Express (Review): $5,000 annual fee and $10,000 initiation fee; rumored to require $250,000 to $500,000 in spending per year on Amex credit cards to get an invite
  • J.P. Morgan Reserve Card (Review): $595 annual fee; previously known as the Palladium card, you reportedly need $10 million in J.P. Morgan’s private bank for an invitation
  • Citi Chairman Card: The requirements aren’t publicly known, though you likely have to be a member of Citi’s private bank (if you have to ask…)
  • Dubai First Royale Mastercard: Trimmed in gold and faced with a .235-carat diamond, you’ll likely either need to be ultra wealthy or a member of the UAE royal family to qualify
  • Stratus Rewards Visa: You only need to pay $1,500 per year for this fancy plastic; and it’s rumored to take only $100,000 in spending per year to get noticed for an invite

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

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

For rates and fees of the Hilton Honors American Express Aspire 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.

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