Best Premium Credit Cards of 2021

Best Premium Credit Cards of 2021

The Platinum Card® from American Express is our top pick for best premium credit card, thanks to its bounty of luxury benefits, including complimentary access to the best credit card lounge network.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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Best premium credit cards 2021

Best overall

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website
100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Best for travel

Chase Sapphire Reserve®

On Chase's Secure Website
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Best for dining out

American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website
60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Whether you're looking to bolster your status with a super elite card or you're simply in the market for exclusive luxury benefits, a premium credit card can help make your travel experience more comfortable.

While each of the cards on our list have lots to offer those looking for luxury benefits, The Platinum Card® from American Express is our overall pick for the best premium card of 2021. Though it comes with a hefty annual fee, the enormous welcome offer, travel perks and flexible redemption options that this card offers are unmatched — as are its multitude of luxury card benefits for cardholders.

When choosing credit cards with annual fees upwards of $450, it's important to make sure the benefits outweigh the costs. The cards on this list are intended for individuals with excellent credit scores, who travel frequently and are looking to reap the benefits of luxury rewards. Those seeking simply to maximize rewards but have little interest in luxury should take a look at our top rewards credit cards, instead.

Methodology

To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of the best rewards credit cards available right now. Our recommendations are based on the additional value you can earn with the cards — including the rewards value, cost of ownership and value of benefits such as travel and purchase protections, lounge membership and airline companion passes. Our choices are not influenced by our advertisers. Learn more on how we calculate rewards.

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Best premium card overall

The Platinum Card® from American Express

See Rates & Fees. Terms Apply. On American Express' Secure Website

$695

See Pay Over Time APR

Excellent/Good

  • 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 and 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.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • 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 select 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 is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. 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.

100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

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The Platinum Card® from American Express comes with a phenomenal welcome offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

For everyday purchases, the rewards are also excellent. Earn 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.

The Platinum Card® from American Express comes with all the trappings of a premium card. The card grants members access to Amex Centurion Lounges and highly regarded concierge services — plus, when booking hotels through Fine Hotels and Resorts, you receive exclusive benefits like late checkouts, spa credits, room upgrades and complimentary Wi-Fi. Though other cards may offer more rewards across a wider variety of categories, few of them combine flexible redemption options with as many luxury perks as The Platinum Card® from American Express.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe Platinum Card\u00ae from American Express comes with all the trappings of a premium card. The card grants members access to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Centurion Lounges: How to Get Access\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmex Centurion Lounges\u003C\/a\u003E\u003C\/span\u003E and highly regarded concierge services \u2014 plus, when booking hotels through Fine Hotels and Resorts, you receive exclusive benefits like late checkouts, spa credits, room upgrades and complimentary Wi-Fi. Though other cards may offer more rewards across a wider variety of categories, few of them combine flexible redemption options with as many luxury perks as The Platinum Card\u00ae from American Express.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

  • Annual fee: $695
  • Point earning: 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.
  • Redemptions: Flexible redemption options: gift cards, travel, Uber rides, transfer points to airline and hotel partners through Membership Rewards program
  • Travel credits: Up to $100 for Global Entry or TSA Precheck; up to $200 in Uber Cash (up to $15/month, plus an additional $20 in December) for U.S. Uber rides and U.S. Uber Eats purchases annually when you add the card to the Uber app; up to $100 hotel credit
  • Lounge access: American Express Global Lounge Collection, Amex Centurion Lounge access, Priority Pass™ Select membership (enrollment required), Delta Sky Club access
  • Travel insurance: Trip cancellation/interruption insurance, trip delay insurance, baggage insurance, car rental insurance
  • Other benefits: Gold status with Hilton and Marriott (enrollment required); Platinum concierge service; Fine Hotels & Resorts® perks
  • Terms apply.

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

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class=\"AffiliateBanner--inner\"\u003E\u003Cdiv class=\"AffiliateBanner--wrapper\"\u003E\u003Cdiv class=\"AffiliateBanner--image\"\u003E\u003Ca class=\"Link--root AffiliateBanner--image-link \" href=\"\/credit-cards\/redirect\/54?url=_best-premium-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"The Platinum Card\u00ae from American Express\"\u003E\u003Cimg alt=\"The Platinum Card\u00ae from American Express\" class=\"Image--root lazyload\" data-src=\"https:\/\/cdn.comparecards.com\/uploads\/images\/items\/4577.png\"\/\u003E\u003C\/a\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateBanner--button\"\u003E\u003Cdiv class=\"AffiliateButtonV2--root \"\u003E\u003Ca class=\"Link--root Button--root Button--primary Button--fluid \" href=\"\/credit-cards\/redirect\/54?url=_best-premium-credit-cards\" rel=\"nofollow\" target=\"_blank\" title=\"Apply Now\"\u003EApply Now\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--lock\" color=\"inherit\" name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/26129-10-0#offer-terms\" rel=\"nofollow\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply. \u003C\/span\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn American Express' Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp 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Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":80,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 100,000 Membership Rewards\u00ae Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.\u003C\/li\u003E\u003Cli\u003EPlus, 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.\u003C\/li\u003E\u003Cli\u003EEarn 5X Membership Rewards\u00ae Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards\u00ae Points on prepaid hotels booked with American Express Travel.\u003C\/li\u003E\u003Cli\u003E$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts\u00ae or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card\u00ae.\u003C\/li\u003E\u003Cli\u003E$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card\u00ae at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.\u003C\/li\u003E\u003Cli\u003EAmerican Express has expanded The Centurion\u00ae Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card\u00ae can get you complimentary entry and exclusive perks.\u003C\/li\u003E\u003Cli\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.\u003C\/li\u003E\u003Cli\u003E$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 is available to Basic Card Member only.\u003C\/li\u003E\u003Cli\u003E$300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card\u00ae. Enrollment required.\u003C\/li\u003E\u003Cli\u003E$179 CLEAR\u00ae Credit: Use your Card and get up to $179 back per year on your CLEAR\u00ae membership.\u003C\/li\u003E\u003Cli\u003E$695 annual fee.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$695\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/platinum-card\\\/26129-10-0#offer-terms\\\" rel=\\\"nofollow\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 100,000 Membership Rewards\\u00ae Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.\\u003C\\\/li\\u003E\\u003Cli\\u003EPlus, 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.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X Membership Rewards\\u00ae Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards\\u00ae Points on prepaid hotels booked with American Express Travel.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts\\u00ae or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card\\u00ae.\\u003C\\\/li\\u003E\\u003Cli\\u003E$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card\\u00ae at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.\\u003C\\\/li\\u003E\\u003Cli\\u003E$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.\\u003C\\\/li\\u003E\\u003Cli\\u003EAmerican Express has expanded The Centurion\\u00ae Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card\\u00ae can get you complimentary entry and exclusive perks.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.\\u003C\\\/li\\u003E\\u003Cli\\u003E$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. 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The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Luxury treatment\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4577.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/54?url=_best-premium-credit-cards\",\"name\":\"The Platinum Card\\u00ae from American Express\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Welcome Offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. \u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. \",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Platinum Card\u00ae from American Express Review: Luxury Travel Benefits\" href=\"https:\/\/www.valuepenguin.com\/american-express-platinum-card\"\u003EThe Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E comes with a phenomenal welcome offer: Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. \u003C\/p\u003E\n\n\u003Cp\u003EFor everyday purchases, the rewards are also excellent. Earn 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel. Terms apply. \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe Platinum Card\u00ae from American Express comes with all the trappings of a premium card. The card grants members access to \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Centurion Lounges: How to Get Access\" href=\"https:\/\/www.valuepenguin.com\/travel\/list-amex-centurion-lounges\"\u003EAmex Centurion Lounges\u003C\/a\u003E\u003C\/span\u003E and highly regarded concierge services \u2014 plus, when booking hotels through Fine Hotels and Resorts, you receive exclusive benefits like late checkouts, spa credits, room upgrades and complimentary Wi-Fi. Though other cards may offer more rewards across a wider variety of categories, few of them combine flexible redemption options with as many luxury perks as The Platinum Card\u00ae from American Express.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EThe Platinum Card\\u00ae from American Express comes with all the trappings of a premium card. The card grants members access to \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"American Express Centurion Lounges: How to Get Access\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/travel\\\/list-amex-centurion-lounges\\\"\\u003EAmex Centurion Lounges\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E and highly regarded concierge services \\u2014 plus, when booking hotels through Fine Hotels and Resorts, you receive exclusive benefits like late checkouts, spa credits, room upgrades and complimentary Wi-Fi. Though other cards may offer more rewards across a wider variety of categories, few of them combine flexible redemption options with as many luxury perks as The Platinum Card\\u00ae from American Express.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EThe Platinum Card\u00ae from American Express benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $695\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E 5X Membership Rewards\u00ae points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards\u00ae points on prepaid hotels booked with American Express Travel. Terms apply. \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Flexible redemption options: gift cards, travel, Uber rides, transfer points to airline and hotel partners through Membership Rewards program\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credits:\u003C\/strong\u003E Up to $100 for Global Entry or TSA Precheck; up to $200 in Uber Cash (up to $15\/month, plus an additional $20 in December) for U.S. Uber rides and U.S. Uber Eats purchases annually when you add the card to the Uber app; up to $100 hotel credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E American Express Global Lounge Collection, Amex Centurion Lounge access, Priority Pass\u2122 Select membership (enrollment required), Delta Sky Club access\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel insurance:\u003C\/strong\u003E Trip cancellation\/interruption insurance, trip delay insurance, baggage insurance, car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EOther benefits:\u003C\/strong\u003E Gold status with Hilton and Marriott (enrollment required); Platinum concierge service; Fine Hotels & Resorts\u00ae perks\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of The Platinum Card\u00ae from American Express, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/26129-10-0#offer-terms\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Best premium travel card

Chase Sapphire Reserve®

On Chase's Secure Website

$550

16.99%-23.99% Variable

Excellent

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 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
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 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, 50,000 points are worth $750 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

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

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After first being introduced in 2016, the Chase Sapphire Reserve® immediately announced itself among the best premium credit cards. Between an incredibly high sign-up bonus and great rewards on dining and travel, this card blows away the competition.

Even in 2021, there are few credit cards that can match its offering. You Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s worth $750 when redeemed for travel through Ultimate Rewards points.

On day-to-day spending, cardholders are awarded 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases

The Chase Sapphire Reserve® is part of the Chase Ultimate Rewards® (UR) program, which reigns supreme over all other current offers on the market. Ultimate Rewards' travel partners offer cardholders the option to transfer their Ultimate Rewards points at a 1:1 ratio. In addition, you get a 50% bonus when redeeming points through the UR portal for airfare, hotels, car rentals and cruises. That boosts this card’s rewards rate to anywhere between 1.5% and 4.5% — depending on how you spend and redeem.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003EThe Chase Sapphire Reserve\u00ae is part of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E (UR) program, which reigns supreme over all other current offers on the market. \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003EUltimate Rewards' travel partners\u003C\/a\u003E\u003C\/span\u003E offer cardholders the option to transfer their Ultimate Rewards points at a 1:1 ratio. In addition, you get a 50% bonus when redeeming points through the UR portal for airfare, hotels, car rentals and cruises. That boosts this card\u2019s rewards rate to anywhere between 1.5% and 4.5% \u2014 depending on how you spend and redeem.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

  • Annual fee: $550
  • Point earning: 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Redemptions: Transfer Chase Ultimate Rewards® points to a partner airline or hotel loyalty program, shop with points on Amazon.com, shop through the Chase portal, redeem rewards for travel, experiences, gift cards or cash back
  • Travel credits: $300 credit that applies to most travel purchases
  • Lounge access: Priority Pass™ Select membership
  • Travel insurance: Trip cancellation/interruption (up to $10,000 per person, up to $20,000 per trip), trip delay (up to $500 per ticket for delays of six-plus hours), baggage insurance (up to $3,000 per passenger), baggage delay (up to $100 a days for five days for delays of six or more hours), car rental insurance (primary)
  • Additional benefits: Complimentary DashPass subscription from DoorDash and up to $60 credit for DoorDash through 2021; up to $120 credit for Peloton through Dec. 31, 2021; 10x points on Lyft rides through March 2022; complimentary Lyft Pink membership through March 31, 2022
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name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn Chase's Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$550\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E16.99%-23.99% Variable\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":100,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards\u00ae\u003C\/li\u003E\u003Cli\u003E$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\u003C\/li\u003E\u003Cli\u003EEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\u00ae\u00a0immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases\u003C\/li\u003E\u003Cli\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel\u003C\/li\u003E\u003Cli\u003EWith 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\u003C\/li\u003E\u003Cli\u003E1:1 point transfer to leading airline and hotel loyalty programs\u003C\/li\u003E\u003Cli\u003EAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass\u2122 Select and up to $100 application fee credit for Global Entry or TSA Pre\u2713\u00ae\u003C\/li\u003E\u003Cli\u003ECount on Trip Cancellation\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$550\",\"apr\":\"16.99%-23.99% Variable\",\"bannerDisclaimers\":[\"On Chase's Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003E$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\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\\u00ae\\u00a0immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases\\u003C\\\/li\\u003E\\u003Cli\\u003EGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel\\u003C\\\/li\\u003E\\u003Cli\\u003EWith 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\\u003C\\\/li\\u003E\\u003Cli\\u003E1:1 point transfer to leading airline and hotel loyalty programs\\u003C\\\/li\\u003E\\u003Cli\\u003EAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass\\u2122 Select and up to $100 application fee credit for Global Entry or TSA Pre\\u2713\\u00ae\\u003C\\\/li\\u003E\\u003Cli\\u003ECount on Trip Cancellation\\\/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":100,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Best overall\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4335.jpg\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1129?url=_best-premium-credit-cards\",\"name\":\"Chase Sapphire Reserve\\u00ae\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Sign Up Bonus\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAfter first being introduced in 2016, the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Sapphire Reserve\u00ae: Is It Worth Applying For?\" href=\"https:\/\/www.valuepenguin.com\/chase-sapphire-reserve-credit-card\"\u003EChase Sapphire Reserve\u00ae\u003C\/a\u003E\u003C\/span\u003E immediately announced itself among the best premium credit cards. Between an incredibly high sign-up bonus and great rewards on \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Best Credit Cards For Dining Out: 2021 Picks\" href=\"https:\/\/www.valuepenguin.com\/best-credit-cards-dining\"\u003Edining\u003C\/a\u003E\u003C\/span\u003E and \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"10 Best Travel Credit Cards of June 2021\" href=\"https:\/\/www.valuepenguin.com\/travel\/best-travel-credit-cards\"\u003Etravel\u003C\/a\u003E\u003C\/span\u003E, this card blows away the competition.\u003C\/p\u003E\n\n\u003Cp\u003EEven in 2021, there are few credit cards that can match its offering. You Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That\u2019s worth $750 when redeemed for travel through Ultimate Rewards points.\u003C\/p\u003E\n\n\u003Cp\u003EOn day-to-day spending, cardholders are awarded 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\u00ae immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe Chase Sapphire Reserve\u00ae is part of the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Rewards: We Break Down How They Work\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards\"\u003EChase Ultimate Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E (UR) program, which reigns supreme over all other current offers on the market. \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\" href=\"https:\/\/www.valuepenguin.com\/chase-ultimate-rewards-transfer-partners\"\u003EUltimate Rewards' travel partners\u003C\/a\u003E\u003C\/span\u003E offer cardholders the option to transfer their Ultimate Rewards points at a 1:1 ratio. In addition, you get a 50% bonus when redeeming points through the UR portal for airfare, hotels, car rentals and cruises. That boosts this card\u2019s rewards rate to anywhere between 1.5% and 4.5% \u2014 depending on how you spend and redeem.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EThe Chase Sapphire Reserve\\u00ae is part of the \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Ultimate Rewards: We Break Down How They Work\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/chase-ultimate-rewards\\\"\\u003EChase Ultimate Rewards\\u00ae\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E (UR) program, which reigns supreme over all other current offers on the market. \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Chase Ultimate Reward Transfer Partners: Where Can You Move Your Points?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/chase-ultimate-rewards-transfer-partners\\\"\\u003EUltimate Rewards' travel partners\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E offer cardholders the option to transfer their Ultimate Rewards points at a 1:1 ratio. In addition, you get a 50% bonus when redeeming points through the UR portal for airfare, hotels, car rentals and cruises. That boosts this card\\u2019s rewards rate to anywhere between 1.5% and 4.5% \\u2014 depending on how you spend and redeem.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EChase Sapphire Reserve\u00ae benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $550\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards\u00ae immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Transfer Chase Ultimate Rewards\u00ae points to a partner airline or hotel loyalty program, shop with points on Amazon.com, shop through the Chase portal, redeem rewards for travel, experiences, gift cards or cash back\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credits:\u003C\/strong\u003E $300 credit that applies to most travel purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E Priority Pass\u2122 Select membership\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel insurance:\u003C\/strong\u003E Trip cancellation\/interruption (up to $10,000 per person, up to $20,000 per trip), trip delay (up to $500 per ticket for delays of six-plus hours), baggage insurance (up to $3,000 per passenger), baggage delay (up to $100 a days for five days for delays of six or more hours), car rental insurance (primary)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAdditional benefits:\u003C\/strong\u003E Complimentary DashPass subscription from DoorDash and up to $60 credit for DoorDash through 2021; up to $120 credit for Peloton through Dec. 31, 2021; 10x points on Lyft rides through March 2022; complimentary Lyft Pink membership through March 31, 2022\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Best premium credit card for luxury hotel stays

Hilton Honors Aspire Card from American Express

Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.

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The Hilton Honors Aspire Card from American Express has much to offer, from its extravagant welcome offer to its large allotment of bonus points for everyday spending. With this card you'll Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership. You'll also receive Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X 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, and 3X for other purchases on your card; 7X 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; and 3X points for other purchases on your card.

The Hilton Honors Aspire Card from American Express also has some great premium benefits for cardholders, including Hilton Honors Diamond status (enrollment required), a $250 Hilton Resort Statement Credit, an annual weekend night reward and more. This card also offers access into the Priority Pass™ Select program (enrollment required) so you can access more than 1,300 highly rated airport lounges throughout the world.

With 14X points earned when you book at Hilton hotels and resorts, there's no question this card is great for optimizing your luxury hotel stays. You can redeem your points to book stays at Hilton hotels, luxury properties and resorts or for exclusive Hilton Honors experiences. It's important to note, however, that with this card you're mainly limited to Hilton purchases, as the value of the other redemption options tends to be poor. The other redemption options include on-property rewards, travel and transportation, shopping and dining, pooling and transferring points, exchanging points and donating points.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003EWith 14X points earned when you book at Hilton hotels and resorts, there's no question this card is great for optimizing your luxury hotel stays. You can redeem your points to book stays at Hilton hotels, luxury properties and resorts or for exclusive Hilton Honors experiences. It's important to note, however, that with this card you're mainly limited to Hilton purchases, as the value of the other redemption options tends to be poor. The other redemption options include on-property rewards, travel and transportation, shopping and dining, pooling and transferring points, exchanging points and donating points.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

  • Annual fee: $450
  • Point earning: Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X 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, and 3X for other purchases on your card, 7X points on directly booked flights, directly book car rentals and U.S. restaurant purchases
  • Redemptions: Book stays at Hilton hotels or luxury properties and resorts, experiences, on-property rewards, car rental partners, transfer to airlines, merchandise, pooling, donations (no cash back option)
  • Travel credits: Up to $250 Hilton resort credit, up to $100 Hilton on-property credit, weekend Night Reward, up to $250 airline fee credit
  • Lounge access: Priority Pass™ Select membership (enrollment required)
  • Travel insurance: Trip cancellation/interruption, trip delay insurance, baggage insurance, car rental insurance
  • Additional benefits: Hilton Diamond status (enrollment required); Aspire concierge services; American Express® Experiences
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Hilton\"\u003EHilton Honors Aspire Card from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Honors American Express Aspire Card: Is It Worth $450?\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-hilton-honors-aspire-credit-card\"\u003EHilton Honors Aspire Card from American Express\u003C\/a\u003E\u003C\/span\u003E has much to offer, from its extravagant welcome offer to its large allotment of bonus points for everyday spending. With this card you'll Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership. You'll also receive Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X 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, and 3X for other purchases on your card; 7X 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; and 3X points for other purchases on your card.\u003C\/p\u003E\n\n\u003Cp\u003EThe Hilton Honors Aspire Card from American Express also has some great premium benefits for cardholders, including \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Hilton Diamond Status 2021: Attainable for Hilton Loyalists\" href=\"https:\/\/www.valuepenguin.com\/travel\/benefits-of-hilton-diamond-status\"\u003EHilton Honors Diamond status\u003C\/a\u003E\u003C\/span\u003E (enrollment required), a $250 Hilton Resort Statement Credit, an annual weekend night reward and more. This card also offers access into the Priority Pass\u2122 Select program (enrollment required) so you can access more than 1,300 highly rated airport lounges throughout the world.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EWith 14X points earned when you book at Hilton hotels and resorts, there's no question this card is great for optimizing your luxury hotel stays. You can redeem your points to book stays at Hilton hotels, luxury properties and resorts or for exclusive Hilton Honors experiences. It's important to note, however, that with this card you're mainly limited to Hilton purchases, as the value of the other redemption options tends to be poor. The other redemption options include on-property rewards, travel and transportation, shopping and dining, pooling and transferring points, exchanging points and donating points.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EWith 14X points earned when you book at Hilton hotels and resorts, there's no question this card is great for optimizing your luxury hotel stays. You can redeem your points to book stays at Hilton hotels, luxury properties and resorts or for exclusive Hilton Honors experiences. It's important to note, however, that with this card you're mainly limited to Hilton purchases, as the value of the other redemption options tends to be poor. The other redemption options include on-property rewards, travel and transportation, shopping and dining, pooling and transferring points, exchanging points and donating points.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EHilton Honors Aspire Card from American Express benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $450\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X 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, and 3X for other purchases on your card, 7X points on directly booked flights, directly book car rentals and U.S. restaurant purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Book stays at Hilton hotels or luxury properties and resorts, experiences, on-property rewards, car rental partners, transfer to airlines, merchandise, pooling, donations (no cash back option)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credits:\u003C\/strong\u003E Up to $250 Hilton resort credit, up to $100 Hilton on-property credit, weekend Night Reward, up to $250 airline fee credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E Priority Pass\u2122 Select membership (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel insurance:\u003C\/strong\u003E Trip cancellation\/interruption, trip delay insurance, baggage insurance, car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAdditional benefits:\u003C\/strong\u003E Hilton Diamond status (enrollment required); Aspire concierge services; American Express\u00ae Experiences\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Best premium credit card for luxury airlines

Citi Prestige® Credit Card

Earn 50,000 bonus points after spending $4,000 within three months of account opening.

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The Citi Prestige® Credit Card offers a generous sign-up bonus on top of overall great everyday rewards opportunities, including 5X points on air travel. This card lets you Earn 50,000 bonus points after spending $4,000 within three months of account opening. You'll also Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases.

This card also comes with noteworthy premium benefits: These include a complimentary fourth night hotel stay, travel credit of up to $250 every calendar year, VIP Lounge Access through Priority Pass™ Select and up to $100 credit toward Global Entry or TSA Precheck® Application fee credit. You'll also get access to Citi Entertainment, which connects you with thousands of events and exclusive experiences.

Citi makes it easy to transfer your points to certain airline loyalty programs, including JetBlue TrueBlue®, Flying Blue Air France KLM and Virgin Atlantic Flying Club. That, on top of 5X points on air travel, makes the Citi Prestige® Credit Card a no-brainer if you're looking for a premium card to best maximize points for luxury flights. However, you can also redeem your Thank You® Points for travel, statement credits, charity donation, cash and gift cards from popular retailers. There’s no limit to how many points you can earn with this card, and your points will never expire.

{"backgroundColor":"butter","content":"\u003C\/p\u003E\n\n\u003Cp\u003ECiti makes it easy to transfer your points to certain airline \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Announces A New Transfer Partner - Everything You Need To Know\" href=\"https:\/\/www.valuepenguin.com\/news\/citi-transfer-partners\"\u003Eloyalty programs\u003C\/a\u003E\u003C\/span\u003E, including JetBlue TrueBlue\u00ae, Flying Blue Air France KLM and Virgin Atlantic Flying Club. That, on top of 5X points on air travel, makes the Citi Prestige\u00ae Credit Card a no-brainer if you're looking for a premium card to best maximize points for luxury flights. However, you can also redeem your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi ThankYou\u00ae Points: What Are They Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-thankyou-points\"\u003EThank You\u00ae Points\u003C\/a\u003E\u003C\/span\u003E for travel, statement credits, charity donation, cash and gift cards from popular retailers. There\u2019s no limit to how many points you can earn with this card, and your points will never expire.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

  • Annual fee: $495
  • Point earning: Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases
  • Redemptions: Transfer to airline partners, travel, statement credits, charity donation, cash, gift cards
  • Travel credits: Up to $250 travel credit that applies to most travel, up to $100 Global Entry/TSA Precheck® credit
  • Lounge access: Priority Pass™ Select membership
  • Insurance: No travel or purchase protections
  • Additional benefits: Complimentary fourth night hotel stay, digital wallets and contactless pay, Citi Entertainment, $145 yearly statement credit with a qualifying Citigold account
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Citi\"\u003ECiti Prestige\u00ae Credit Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 50,000 bonus points after spending $4,000 within three months of account opening.\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 50,000 bonus points after spending $4,000 within three months of account opening.\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Prestige Card: Is It Right for You?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-prestige-card\"\u003ECiti Prestige\u00ae Credit Card\u003C\/a\u003E\u003C\/span\u003E offers a generous sign-up bonus on top of overall great everyday rewards opportunities, including 5X points on air travel. This card lets you Earn 50,000 bonus points after spending $4,000 within three months of account opening. You'll also Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases.\u003C\/p\u003E\n\n\u003Cp\u003EThis card also comes with noteworthy premium benefits: These include a complimentary fourth night hotel stay, travel credit of up to $250 every calendar year, VIP Lounge Access through Priority Pass\u2122 Select and up to $100 credit toward Global Entry or TSA Precheck\u00ae Application fee credit. You'll also get access to Citi Entertainment, which connects you with thousands of events and exclusive experiences.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003ECiti makes it easy to transfer your points to certain airline \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi Announces A New Transfer Partner - Everything You Need To Know\" href=\"https:\/\/www.valuepenguin.com\/news\/citi-transfer-partners\"\u003Eloyalty programs\u003C\/a\u003E\u003C\/span\u003E, including JetBlue TrueBlue\u00ae, Flying Blue Air France KLM and Virgin Atlantic Flying Club. That, on top of 5X points on air travel, makes the Citi Prestige\u00ae Credit Card a no-brainer if you're looking for a premium card to best maximize points for luxury flights. However, you can also redeem your \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Citi ThankYou\u00ae Points: What Are They Worth?\" href=\"https:\/\/www.valuepenguin.com\/travel\/citi-thankyou-points\"\u003EThank You\u00ae Points\u003C\/a\u003E\u003C\/span\u003E for travel, statement credits, charity donation, cash and gift cards from popular retailers. There\u2019s no limit to how many points you can earn with this card, and your points will never expire.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003ECiti makes it easy to transfer your points to certain airline \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Citi Announces A New Transfer Partner - Everything You Need To Know\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/news\\\/citi-transfer-partners\\\"\\u003Eloyalty programs\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E, including JetBlue TrueBlue\\u00ae, Flying Blue Air France KLM and Virgin Atlantic Flying Club. That, on top of 5X points on air travel, makes the Citi Prestige\\u00ae Credit Card a no-brainer if you're looking for a premium card to best maximize points for luxury flights. However, you can also redeem your \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Citi ThankYou\\u00ae Points: What Are They Worth?\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/travel\\\/citi-thankyou-points\\\"\\u003EThank You\\u00ae Points\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E for travel, statement credits, charity donation, cash and gift cards from popular retailers. There\\u2019s no limit to how many points you can earn with this card, and your points will never expire.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003ECiti Prestige\u00ae Credit Card benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $495\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E Earn 5x points at restaurants and for air travel purchases, 3x for hotel and cruise purchases, and 1x for all other purchases\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Transfer to airline partners, travel, statement credits, charity donation, cash, gift cards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credits:\u003C\/strong\u003E Up to $250 travel credit that applies to most travel, up to $100 Global Entry\/TSA Precheck\u00ae credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E Priority Pass\u2122 Select membership\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EInsurance:\u003C\/strong\u003E No travel or purchase protections\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAdditional benefits:\u003C\/strong\u003E Complimentary fourth night hotel stay, digital wallets and contactless pay, Citi Entertainment, $145 yearly statement credit with a qualifying Citigold account\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Best premium credit card for business

The Business Platinum Card® from American Express

Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

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Our pick for the best premium credit card for business is The Business Platinum Card® from American Express, and we consider it an ideal premium card for businesses with big expenses. The card allows you to Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. You'll also earn 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.

The premium benefits of this card are also worthy of mention. You can get up to $400 in statement credits annually for U.S. purchases with Dell Technologies on your Business Platinum Card when enrolled. You'll also get both Hilton Honors™ Gold Status and Marriott Bonvoy™ Gold Elite Status (enrollment required), as well as access to the American Express Global Lounge Collection®, a fee credit for Global Entry or TSA Precheck and other quality business-related perks.

American Express’ Membership Rewards® program is very flexible. You can use your points for flights booked on AmexTravel.com, purchases on Amazon.com, prepaid hotels booked through AmexTravel.com, gift cards from select retailers and more. Like the other Amex cards on this list, you can also transfer points to a variety of airline and hotel partners.

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  • Annual fee: $595 (10/14-1/12/22)
  • Point earning: 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.
  • Redemptions: Flights and prepaid hotels through AmexTravel.com, Amazon.com, gift cards, transfer to loyalty programs, get 35% of your points back (up to 500,000 points per calendar year) with a designated airline through AmexTravel.com (enrollment required)
  • Travel credits: Up to $100 for Global Entry/TSA Precheck, up to $100 hotel credit
  • Lounge access: American Express Global Lounge Collection, Amex Centurion Lounge access, Priority Pass™ Select membership (enrollment required), Delta Sky Club access
  • Travel insurance: Trip cancellation/interruption, trip delay insurance, baggage insurance, car rental insurance
  • Additional benefits: 1.5X points on purchases of $5,000 or more, Gold status with Hilton and Marriott (enrollment required), Business Platinum Card® Concierge, Fine Hotels & Resorts® program, Global Dining collection, American Express Experiences, American Express preferred seating
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"Business\"\u003EThe Business Platinum Card\u00ae from American Express\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. \u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EEarn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. \",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOur pick for the best premium credit card for business is \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"The Business Platinum Card From American Express Review: Is the High Annual Fee Worth It?\" href=\"https:\/\/www.valuepenguin.com\/american-express-business-platinum-card\"\u003EThe Business Platinum Card\u00ae from American Express\u003C\/a\u003E\u003C\/span\u003E, and we consider it an ideal premium card for businesses with big expenses. The card allows you to Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. You'll also earn 5X Membership Rewards\u00ae points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards\u00ae points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.\u003C\/p\u003E\n\n\u003Cp\u003EThe premium benefits of this card are also worthy of mention. You can get up to $400 in statement credits annually for U.S. purchases with Dell Technologies on your Business Platinum Card when enrolled. You'll also get both Hilton Honors\u2122 Gold Status and Marriott Bonvoy\u2122 Gold Elite Status (enrollment required), as well as access to the American Express Global Lounge Collection\u00ae, a fee credit for Global Entry or TSA Precheck and other quality business-related perks.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAmerican Express\u2019 \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Membership Rewards: Your Guide to Earning and Redeeming Points for Max Value\" href=\"https:\/\/www.valuepenguin.com\/travel\/american-express-membership-rewards-guide-earning-redeeming\"\u003EMembership Rewards\u00ae\u003C\/a\u003E\u003C\/span\u003E program is very flexible. You can use your points for flights booked on AmexTravel.com, purchases on Amazon.com, prepaid hotels booked through AmexTravel.com, gift cards from select retailers and more. Like the other Amex cards on this list, you can also transfer points to a variety of airline and hotel partners.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EAmerican Express\\u2019 \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"American Express Membership Rewards: Your Guide to Earning and Redeeming Points for Max Value\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/travel\\\/american-express-membership-rewards-guide-earning-redeeming\\\"\\u003EMembership Rewards\\u00ae\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E program is very flexible. You can use your points for flights booked on AmexTravel.com, purchases on Amazon.com, prepaid hotels booked through AmexTravel.com, gift cards from select retailers and more. Like the other Amex cards on this list, you can also transfer points to a variety of airline and hotel partners.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EThe Business Platinum Card\u00ae from American Express benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $595 (10\/14-1\/12\/22)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E 5X Membership Rewards\u00ae points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards\u00ae points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Flights and prepaid hotels through AmexTravel.com, Amazon.com, gift cards, transfer to loyalty programs, get 35% of your points back (up to 500,000 points per calendar year) with a designated airline through AmexTravel.com (enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credits:\u003C\/strong\u003E Up to $100 for Global Entry\/TSA Precheck, up to $100 hotel credit\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E American Express Global Lounge Collection, Amex Centurion Lounge access, Priority Pass\u2122 Select membership (enrollment required), Delta Sky Club access\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel insurance:\u003C\/strong\u003E Trip cancellation\/interruption, trip delay insurance, baggage insurance, car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAdditional benefits:\u003C\/strong\u003E 1.5X points on purchases of $5,000 or more, Gold status with Hilton and Marriott (enrollment required), Business Platinum Card\u00ae Concierge, Fine Hotels & Resorts\u00ae program, Global Dining collection, American Express Experiences, American Express preferred seating\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Best premium card for dining out

The American Express® Gold Card

See Rates & Fees. Terms Apply. On American Express' Secure Website

$250

See Pay Over Time APR

Excellent/Good

  • 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.

60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

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The American Express® Gold Card takes the cake for best premium cards when it comes to dining out, ordering takeout and shopping at U.S. supermarkets. It comes with a host of other benefits. With this card you can Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You'll also 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), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.

Consider as well the dining credit of up to $120 ($10 monthly, enrollment required) that you get with the American Express® Gold Card, on top of 4X points on restaurants, including takeout and delivery. The American Express® Gold Card comes with a relatively low annual fee compared with other premium cards on this list and comes with equal, if not more extensive, benefits.

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

You've got plenty of options when it comes to redeeming your rewards with The American Express® Gold Card. While you can choose to pay with points at checkout, redeem for gift cards, cover your card charges, book or upgrade travel or shop through the Membership Rewards portal, you may find that you'll get the most value out of your points by transferring them to one of the American Express hotel or airline loyalty programs.

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  • Annual fee: $250
  • Point earning: 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), and 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Terms apply.
  • Redemptions: Flexible redemption options: gift cards, travel, Uber rides, transfer points to airline and hotel partners through Membership Rewards program
  • Travel credit: up to $100 hotel credit, up to $120 in Uber Cash annually ($10 per month) on U.S. UberEats and U.S. Uber rides when you add the card to your app, up to $120 in dining credits at qualifying restaurants ($10 monthly, enrollment required)
  • Lounge access: N/A
  • Travel insurance: Trip delay insurance, baggage insurance, car rental insurance
  • Additional benefits: American Express® Preferred Seating
  • Terms apply.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"American\"\u003EThe American Express\u00ae Gold Card\u003C\/h3\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-BenefitsBox\" data-component-name=\"BenefitsBox\"\u003E\n \u003Cdiv class=\"BenefitsBox--root \"\u003E\u003Cdiv class=\"BenefitsBox--featured-title\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYJq ValuePenguinIcon--root ValuePenguinIcon--heart\" color=\"inherit\" name=\"heart\"\u003E\u003C\/span\u003EDining out\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--inner\"\u003E\u003Cdiv class=\"BenefitsBox--content\"\u003E\u003Cdiv class=\"BenefitsBox--field-container\"\u003E\u003Cdiv class=\"BenefitsBox--field-affiliate-banner\"\u003E\u003Cdiv class=\"AffiliateBanner--root AffiliateBanner--align-left AffiliateBanner--fluid AffiliateBanner--context-credit-card-nested\"\u003E\u003Cdiv 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name=\"lock\"\u003E\u003C\/span\u003E\u003C\/a\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"AffiliateDisclaimer--root\"\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003E\u003Ca href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/?print#terms-details\" rel=\"nofollow\"\u003ESee Rates & Fees.\u003C\/a\u003E Terms Apply. \u003C\/span\u003E\u003Cspan class=\"AffiliateDisclaimer--item\"\u003EOn American Express' Secure Website \u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--fields\"\u003E\u003Cdiv class=\"BenefitsBox--fields-bottom\"\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAnnual Fee\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003E$250\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EAPR\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003ESee Pay Over Time APR\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003ECredit Needed\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cp class=\"BenefitsBox--field-content-value\"\u003EExcellent\/Good\u003C\/p\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field\"\u003E\u003Cdiv class=\"BenefitsBox--field-content\"\u003E\u003Cdiv class=\"BenefitsBox--field-content-label\"\u003EEditor's Rating\u003Cdiv class=\"DynamicTooltip--root\"\u003E\u003Cspan class=\"DynamicTooltip--label\"\u003E?\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--field-content-value\"\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-StarRating\" data-component-name=\"StarRating\"\u003E\n \u003Cdiv class=\"StyledStarRating-sc-c10iah jKtZiW\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\" color=\"yellow\" name=\"star-fill\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\" color=\"yellow\" name=\"star-half\"\u003E\u003C\/span\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\" color=\"yellow\" name=\"star-empty\"\u003E\u003C\/span\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"StarRating\"\u003E{\"rating\":70,\"stars\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--details-hidden\"\u003E\u003Cdiv class=\"BenefitsBox--details-content\"\u003E\u003Cul\u003E\u003Cli\u003ERose Gold is back. You can now choose between Gold or Rose Gold.\u003C\/li\u003E\u003Cli\u003EEarn 60,000 Membership Rewards\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\u003C\/li\u003E\u003Cli\u003EEarn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).\u003C\/li\u003E\u003Cli\u003EEarn 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com.\u003C\/li\u003E\u003Cli\u003E$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.\u003C\/li\u003E\u003Cli\u003E$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.\u003C\/li\u003E\u003Cli\u003EGet up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12\/31\/21.\u003C\/li\u003E\u003Cli\u003ENo Foreign Transaction Fees.\u003C\/li\u003E\u003Cli\u003EAnnual Fee is $250.\u003C\/li\u003E\u003Cli\u003ETerms Apply.\u003C\/li\u003E\u003C\/ul\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"BenefitsBox--toggle\"\u003E\u003Ca aria-label=\"Toggle Open\/Closed\" class=\"ToggleText--link BenefitsBox--toggle-text link small\"\u003E\u003Cspan\u003E\u003Cspan class=\"ToggleText--label\"\u003E\u003Cspan aria-hidden=\"true\" class=\"StyledIcon-sc-e7wugl dBUYFD ValuePenguinIcon--root ValuePenguinIcon--undefined\" color=\"inherit\"\u003E\u003C\/span\u003E\u003C\/span\u003E+ see card details\u003C\/span\u003E\u003C\/a\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"BenefitsBox\"\u003E{\"annualFee\":\"$250\",\"apr\":\"See Pay Over Time APR\",\"bannerDisclaimers\":[\"\\u003Ca href=\\\"https:\\\/\\\/www.americanexpress.com\\\/us\\\/credit-cards\\\/card-application\\\/apply\\\/prospect\\\/terms\\\/gold-card\\\/26129-10-0\\\/?print#terms-details\\\" rel=\\\"nofollow\\\"\\u003ESee Rates & Fees.\\u003C\\\/a\\u003E Terms Apply.\",\"On American Express' Secure Website\"],\"buttonColor\":\"primary\",\"buttonIcon\":\"lock\",\"buttonText\":\"Apply Now\",\"context\":\" in context: Banner\",\"creditNeeded\":\"Excellent\\\/Good\",\"creditNeededTooltip\":\"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions.\",\"details\":\"\\u003Cul\\u003E\\u003Cli\\u003ERose Gold is back. You can now choose between Gold or Rose Gold.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 60,000 Membership Rewards\\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 4X Membership Rewards\\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).\\u003C\\\/li\\u003E\\u003Cli\\u003EEarn 3X Membership Rewards\\u00ae points on flights booked directly with airlines or on amextravel.com.\\u003C\\\/li\\u003E\\u003Cli\\u003E$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.\\u003C\\\/li\\u003E\\u003Cli\\u003E$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.\\u003C\\\/li\\u003E\\u003Cli\\u003EGet up to 12 complimentary months of an Uber Eats Pass subscription when you enroll with your Gold Card by 12\\\/31\\\/21.\\u003C\\\/li\\u003E\\u003Cli\\u003ENo Foreign Transaction Fees.\\u003C\\\/li\\u003E\\u003Cli\\u003EAnnual Fee is $250.\\u003C\\\/li\\u003E\\u003Cli\\u003ETerms Apply.\\u003C\\\/li\\u003E\\u003C\\\/ul\\u003E\",\"editorRating\":\"\\u003Cdiv class=\\\"ReactComponent--root\\\"\\u003E\\n \\u003Cdiv class=\\\"js-react-component-rendered js-react-component-StarRating\\\" data-component-name=\\\"StarRating\\\"\\u003E\\n \\u003Cdiv class=\\\"StyledStarRating-sc-c10iah jKtZiW\\\"\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-fill\\\" color=\\\"yellow\\\" name=\\\"star-fill\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-half\\\" color=\\\"yellow\\\" name=\\\"star-half\\\"\\u003E\\u003C\\\/span\\u003E\\u003Cspan aria-hidden=\\\"true\\\" class=\\\"StyledIcon-sc-e7wugl djpcxy ValuePenguinIcon--root ValuePenguinIcon--star-empty\\\" color=\\\"yellow\\\" name=\\\"star-empty\\\"\\u003E\\u003C\\\/span\\u003E\\u003C\\\/div\\u003E\\n \\u003C\\\/div\\u003E\\n\\n \\u003Cscript type=\\\"application\\\/json\\\" class=\\\"js-react-component\\\" data-component-name=\\\"StarRating\\\"\\u003E{\\\"rating\\\":70,\\\"stars\\\":5}\\u003C\\\/script\\u003E\\n\\n\\u003C\\\/div\\u003E\",\"editorRatingTooltip\":\"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers. Learn more on how we \\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" rel=\\\"nofollow\\\" title=\\\"Credit Card Methodology\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/credit-card-methodology\\\"\\u003Ecalculate rewards\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E.\",\"featuredTitle\":\"Dining out\",\"hideTitle\":true,\"imageURL\":\"https:\\\/\\\/cdn.comparecards.com\\\/uploads\\\/images\\\/items\\\/4576.png\",\"isUnavailable\":false,\"link\":\"\\\/credit-cards\\\/redirect\\\/1304?url=_best-premium-credit-cards\",\"name\":\"American Express\\u00ae Gold Card\",\"signUpBonus\":\"\",\"signUpBonusTitle\":\"Welcome Offer\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw efMzqR\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003E60,000 Membership Rewards\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"ice\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E60,000 Membership Rewards\\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"American Express Gold Card Review: Is It the Best Card for Dining and Supermarkets?\" href=\"https:\/\/www.valuepenguin.com\/american-express-gold-card\"\u003EThe American Express\u00ae Gold Card\u003C\/a\u003E\u003C\/span\u003E takes the cake for best premium cards when it comes to dining out, ordering takeout and shopping at U.S. supermarkets. It comes with a host of other benefits. With this card you can Earn 60,000 Membership Rewards\u00ae Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months. You'll also Earn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com. Terms apply. \u003C\/p\u003E\n\n\u003Cp\u003EConsider as well the dining credit of up to $120 ($10 monthly, enrollment required) that you get with the American Express\u00ae Gold Card, on top of 4X points on restaurants, including takeout and delivery. The American Express\u00ae Gold Card comes with a relatively low annual fee compared with other premium cards on this list and comes with equal, if not more extensive, benefits.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EFor rates and fees of American Express\u00ae Gold Card, please click \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" rel=\"nofollow\" title=\"here\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/26129-10-0\/#terms-details?print\"\u003Ehere\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-Panel\" data-component-name=\"Panel\"\u003E\n \u003Cdiv class=\"PanelRoot-sc-1o7qkaw gGilA\"\u003E\u003Cdiv class=\"Panel--content\"\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYou've got plenty of options when it comes to redeeming your rewards with The American Express\u00ae Gold Card. While you can choose to pay with points at checkout, redeem for gift cards, cover your card charges, book or upgrade travel or shop through the Membership Rewards portal, you may find that you'll get the most value out of your points by transferring them to one of the American Express hotel or airline loyalty programs.\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"Panel\"\u003E{\"backgroundColor\":\"butter\",\"content\":\"\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003EYou've got plenty of options when it comes to redeeming your rewards with The American Express\\u00ae Gold Card. While you can choose to pay with points at checkout, redeem for gift cards, cover your card charges, book or upgrade travel or shop through the Membership Rewards portal, you may find that you'll get the most value out of your points by transferring them to one of the American Express hotel or airline loyalty programs.\\u003C\\\/p\\u003E\\n\\n\\u003Cp\\u003E\",\"padding\":\"double\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Ch3 class=\"ShortcodeToggle--label\"\u003EThe American Express\u00ae Gold Card benefits\u003C\/h3\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAnnual fee:\u003C\/strong\u003E $250\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPoint earning:\u003C\/strong\u003E Earn 4X Membership Rewards\u00ae Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards\u00ae points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), and 3X Membership Rewards\u00ae points on flights booked directly with airlines or on amextravel.com. Terms apply. \n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERedemptions:\u003C\/strong\u003E Flexible redemption options: gift cards, travel, Uber rides, transfer points to airline and hotel partners through Membership Rewards program\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel credit:\u003C\/strong\u003E up to $100 hotel credit, up to $120 in Uber Cash annually ($10 per month) on U.S. UberEats and U.S. Uber rides when you add the card to your app, up to $120 in dining credits at qualifying restaurants ($10 monthly, enrollment required)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ELounge access:\u003C\/strong\u003E N\/A\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ETravel insurance:\u003C\/strong\u003E Trip delay insurance, baggage insurance, car rental insurance\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EAdditional benefits:\u003C\/strong\u003E American Express\u00ae Preferred Seating\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Terms apply.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n","padding":"double"}

Compare premium credit cards

Every premium credit card has something to offer — whether it's airline lounge access, free hotel nights, priority boarding or anything else. Here, we'll show you how each of our card picks compares against the other in the most simple terms possible by using only their annual fees and welcome offers.

Welcome offer
Earning rate
Annual fee
Best premium card overall: The Platinum Card® from American Express
The Platinum Card® from American Express
  • 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 at U.S. Gas Stations and U.S. Supermarkets with your new Card in the first 6 months, on up to $15k in combined purchases.
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply.$695 (See rates and fees)
Apply Now
See Rates & Fees. Terms Apply. On American Express' Secure Website
Best for travel: Chase Sapphire Reserve®
Chase Sapphire Reserve®
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases$550
Apply Now
On Chase's Secure Website
Best for luxury hotel stays: Hilton Honors Aspire Card from American Express
unavailable credit card
  • Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.
Earn 14X per $1 of eligible purchases on your card directly with a participating Hilton hotel or resort, 7X 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, and 3X for other purchases on your card$450Read Review
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Luxury card comparison: Chase Sapphire Reserve® vs. Marriott Bonvoy Brilliant™ American Express® Card

Chase Sapphire Reserve®
Chase Sapphire Reserve®
Marriott Bonvoy Brilliant™ American Express® Card
Marriott Bonvoy Brilliant™ American Express® Card
Annual fee$550$450 (See rates and fees)
Lounge membershipPriority Pass lounge accessPriority Pass lounge access
Welcome bonusEarn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.Limited Time Offer: 150,000 Marriott Bonvoy bonus points and a bonus Free Night Award after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Resort fees may apply. Terms apply. Offer expires 11/3/2021.
Point earning
  • 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. 3 points at U.S. restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases.
Redemptions
  • Transfer points to hotel and airline partners at a 1:1 ratio or redeem through Chase travel for a 50% bonus
  • Redeem for cash back at a rate of 1 cent per point
  • Redeem for award nights at 7,000 participating Marriott Bonvoy hotels
  • Most other redemptions have poor value
Travel credits
  • $300 travel credit
  • Up to $100 for Global Entry/TSA Precheck
  • $300 Marriott Bonvoy Statement Credit
  • 15 Elite Night Credits
  • Free Night Award
  • $100 Marriott Bonvoy Property Credit
Travel insurance
  • Trip cancellation/interruption (up to $10,000 per person, up to $20,000 per trip)
  • Trip delay (up to $500 per ticket for delays of 6-plus hours)
  • Baggage insurance (up to $3,000 per passenger)
  • Baggage delay (up to $100 a days for five days for delays of 6-plus hours)
  • Car rental insurance (primary)
  • Trip cancellation/interruption (up to $10,000 per person, up to $20,000 per 12 month period)
  • Trip delay (up to $500 per trip, twice per 12 month period)
  • Baggage insurance (up to $2,000 per person, up to $10,000 per trip for checked bags)
  • Car rental insurance (secondary)
Additional benefits
  • Complimentary DashPass subscription from DoorDash and statement credit
  • Up to $120 back in Peloton credits through Dec. 31, 2021.
  • 10x points total on Lyft rides through March 2022
  • Complimentary Lyft membership
  • Complimentary Marriott Bonvoy Gold status (enrollment required)
  • Terms apply.
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See Rates & Fees. Terms Apply. On American Express' Secure Website

What is the best premium credit card 2021?

See Rates & Fees. Terms Apply. On American Express' Secure Website

Though the best luxury card for you will ultimately depend on what you're specifically looking for, in our opinion, the most well-rounded and best premium card of 2021 is The Platinum Card® from American Express. This card is oozing with rewards and premium benefits, including things like access to Amex Centurion Lounges, exclusive benefits when booking hotels through Fine Hotels and Resorts, the Platinum Travel Service and more. If the large annual fee seems daunting, just know that the benefits of this card certainly outweigh the cost.

Some of the highlights of The Platinum Card® from American Express include:

  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel on up to $500,000 on these purchases per calendar year and 5X Membership Rewards® points on prepaid hotels booked with American Express Travel. Terms apply. 1x points for each dollar of eligible purchases
  • Up to $100 credit for Global Entry or TSA Precheck
  • International airport lounge access
  • Get up to $200 in Uber Cash (up to $15/month, with an additional $20 in December) for U.S. Uber rides and U.S. Uber Eats purchases annually, when you add the card to the Uber app
  • Hilton Honors and Marriott Bonvoy™ Gold status (enrollment required)
  • Terms apply.

What are the hardest credit cards to get?

Whether a card is invite only like the Centurion® Card from American Express, or if you need to have exceptionally good credit to get it, like the Chase Sapphire Reserve®, there are some cards out there that can be extremely hard to get — particularly those in the premium credit card category.

Here are a few of the hardest cards to get:

  • The Centurion® Card from American Express: This elusive card, also known simply as "The Black Card," can only be attained by invitation and requires an annual fee of $2,500.
  • Chase Sapphire Reserve®: You need an "Excellent" credit score in order to be approved for this card, which can be a challenge for the average consumer.
  • The Business Platinum Card® from American Express: The high annual fee required for this card can be hard for small businesses to justify. Card approval also calls for a high credit score and requires business owners to pay off their bill in full every month for charges not included in a Pay Over Time balance.
  • J.P. Morgan Reserve Card: This elite card is also only attained by invitation, and in order to be eligible you must have excellent credit and at least $10 million in assets under management by J.P. Morgan Private Bank.

The Centurion® Card from American Express: Is it as good as the rest?

The elusive "Black Card," the Centurion® Card from American Express, is often heralded as the king of premium credit cards. You can't apply for it, since card membership is by invitation only. The Centurion® Card from American Express comes with a $2,500 annual fee and a one-time $10,000 origination charge. The issuer is rather secretive about the card and its features — what little is known about it has come through secondhand reports.

There are no welcome offers with The Centurion® Card from American Express. Instead, the card focuses on offering users maximum luxury treatment. You’re automatically enrolled in high-tier elite status across multiple hotel and airline brands, including Delta, Hilton and IHG. It also comes with excellent lounge access, like all other premium credit cards.

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Is The Centurion® Card from American Express worth it?

Whether or not The Centurion® Card from American Express is worth it will depend on what you value in a credit card and what you hope to get out of it. This Amex black card is, first and foremost, a status symbol. If the status of a super-elite black card is attractive to you, then yes, this could be a great option.

However, other cards allow you to obtain elite status and lounge access for a much lower annual fee.

How to choose the best premium credit card

If you're wondering how to choose the best premium card, you'll need to consider whether or not the benefits outweigh the costs. You'll want to focus on the following criteria:

The first thing to make note of when selecting a premium credit card is the required annual fee. Some of the premium cards out there have annual fees upwards of $550. If this is something you're comfortable with and able to pay annually, then you should continue forward with the card by analyzing its other benefits.

Many premium credit cards offer access to the most exclusive airport lounges around the world. As far as the cards on this list, The Platinum Card® from American Express offers by far the best and most far-reaching options for lounges — it'll grant you access to the American Express Global Lounge Collection, Amex Centurion Lounge access, Priority Pass™ Select membership (enrollment required) and Delta Sky Club access. If you're a frequent traveler and this benefit holds a lot of value for you, you'll want to make sure you choose a card that grants lounge access.

Elite status has two parts. First, having a premium card in itself is a status symbol due to its exclusivity. This is especially true if that card is invitation only or has social mystique surrounding it, like the Centurion® Card from American Express. Second, oftentimes premium credit cards can grant you elite status to hotel loyalty programs, like the automatic Hilton Honors Gold Status enrollment when you get The Platinum Card® from American Express.

For those who plan to use their premium credit card on an everyday basis, it pays to maximize the rewards potential of your card. Compare the rewards offers of a few of your top premium card contenders to decide which one will provide you with the most long-term value.

This is another important factor when choosing a luxury credit card. If the card welcome offer or sign-up bonus is just too good to pass up, that may be a significant factor to consider when making your selection.

Consider whether or not the premium card you're after offers any travel credits, as these can end up covering a large part of the annual fee. However, it's important to note that some travel credits are easier to redeem than others. For example, Chase's travel credits apply to nearly any travel purchase, where American Express travel credits come with a multitude of restrictions, making them harder to use.

Finally, one of the best parts of owning a premium credit card is the exclusive benefits that come with being a cardholder. These things can range from priority boarding on flights and free hotel nights to annual statement credits and more. Take a look at the additional benefits your top cards offer in order to make the best decision for your lifestyle and spending habits.

Premium credit card FAQs

When should you get your first "premium" credit card?

Many people only get their first premium credit card once they’re financially stable and in a position to comfortably pay the card's high annual fee and consistently pay their monthly bill in full. We recommend doing thorough research before choosing a premium credit card to ensure you'll be able to meet all card requirements and that the card benefits are relevant to your lifestyle.

Is a premium credit card worth it?

Whether or not a premium card is worth it will depend on what you're looking for out of it. If you're looking for a social status boost, to gain entry into some of the most exclusive airport lounges in the world or enjoy high-earning rewards, then, yes, a premium card will be worth it for you. However, if you're unable or unwilling to pay the high annual fee required by many of these cards, then no, a premium card won't be worth it.

What is the most premium credit card?

There are many "premium" cards out there, all of which offer distinct benefits and require different criteria from their cardholders. Some of the absolute most premium cards include the Chase Sapphire Reserve®, The Platinum Card® from American Express, the Hilton Honors Aspire Card from American Express, the Citi Prestige® Credit Card, The Business Platinum Card® from American Express, The American Express® Gold Card and the Centurion® Card from American Express.

What credit cards do millionaires use?

Millionaires are likely to use some of the most prestigious cards out there — because they can. These types of cards include those that are super exclusive and often invitation only — like the Centurion® Card from American Express and the J.P. Morgan Reserve Card.

What is the best credit card for shopping?

The best credit card for shopping will be a card that offers plenty of rewards points per dollar on purchases made at retailers. One example of a card like this is the Citi® Double Cash Card – 18 month BT offer, which doesn't charge an annual fee and offers cashback on every purchase.

What is the best luxury credit card?

Based on the criteria outlined in this article, we believe the The Platinum Card® from American Express is the best luxury credit card for the everyday spender. That's because it comes with a generous welcome offer, wonderful travel perks and flexible redemption options, along with plenty of other premium benefits.

What credit cards do billionaires use?

Billionaires are likely to use the most exclusive credit cards on the market that can withstand extravagant spending and can contribute to their elite status. Some of these types of cards include the Centurion® Card from American Express and the J.P. Morgan Reserve Card.

What credit cards do celebrities use?

Celebrities are likely to use premium credit cards that are made to support significant amounts of spending. They may also prefer to use credit cards that are exclusive and invite only, including the Centurion® Card from American Express and the J.P. Morgan Reserve Card.

What is the best credit card for luxury shopping?

The Citi® Double Cash Card – 18 month BT offer is one of the best credit cards for luxury shopping, because you earn 2% cashback on every purchase with no limit on your earnings. As an added benefit, the card comes without an annual fee.

What is a premium credit card?

A premium credit card is a card that charges a typically large annual fee, but also comes with a host of exclusive cardholder benefits. These types of cards can be considered status symbols, and some of them are so exclusive that they can’t be applied for — they’re invitation only.

What are the most prestigious credit cards?

Many of the premium cards on this list can be considered to be the most prestigious credit cards out there. Some of the cards competing in the battle of the best include the Chase Sapphire Reserve® card, The Platinum Card® from American Express and the Centurion® Card from American Express.

What is the most expensive credit card in the world?

Some of the most expensive credit cards in the world include the Centurion® Card from American Express and the J.P. Morgan Reserve Card. These are some of the most luxurious credit cards out there due to the premium benefits they include and how much it costs to own them.

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

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

For rates and fees of Marriott Bonvoy Brilliant™ American Express® Card, please click here.

The information related to Hilton Honors Aspire Card from American Express, Citi Prestige® Credit Card, The Business Platinum Card® from American Express, Centurion® Card from American Express and J.P. Morgan Reserve Card has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).