Best Premium Credit Cards in the US

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The Platinum Card® from American Express

Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,325Total$3,325Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,325
Welcome offerAfter $12,000 in 6 months: 175,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Current welcome offer of 80,000 Membership Rewards^® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges – more than any other credit card company on the market* – enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card^® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card^® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR^® Plus Credit: CLEAR^® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card^®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Whenever you need us, we’re here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
$895 annual fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 175,000 points

Cons

High annual fee ($895)

Unlock Premium Travel & Lifestyle Benefits with The Platinum Card^® from American Express

Welcome Offer: 80,000 Membership Rewards^® points after spending $8,000 in eligible purchases in your first 6 months of Card Membership.

The Platinum Card^® from American Express delivers exceptional value for travelers and lifestyle enthusiasts. With this premium card, you’ll enjoy:

5X Membership Rewards^® points on flights and prepaid hotels booked through American Express Travel^®
Global Lounge Collection^® access to over 1,550 airport lounges including Centurion Lounges and Delta Sky Clubs^®
$600 Hotel Credit annually on Fine Hotels + Resorts^® or The Hotel Collection bookings
$400 Resy Credit plus exclusive Platinum Nights by Resy restaurant reservations
$320 Uber benefits ($200 Uber Cash + $120 Uber One membership credits)
$300 Digital Entertainment Credit ($25 monthly for eligible streaming services)
$300 lululemon Credit ($75 quarterly)
$209 CLEAR^® Plus Credit annually
$200 Airline Fee Credit with your selected qualifying airline
$155 Walmart+ Credit for monthly membership
$100 Saks Fifth Avenue Credit ($50 semi-annually)

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American Express® Gold Card

Amex American Express Membership Rewards

Annual fee: $325
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,900Total$1,900Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,900
Welcome offerAfter $8,000 in 6 months: 100,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $325/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

You may be eligible for as high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin’ Credit: With the $84 Dunkin’ Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express Gold Card at U.S. Dunkin’ locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That’s up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.

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Rewards: Rate
Groceries: 4x
Restaurants: 4x
Travel: 3x

Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 100,000 points
4x on groceries
4x at restaurants

Cons

High annual fee ($325)

Experience Dining & Travel Rewards with the American Express^® Gold Card

Up to 100,000 Membership Rewards^® points after $8,000 in purchases within the first 6 months
4X points at restaurants worldwide (on up to $50,000 per year, then 1X)
4X points at U.S. supermarkets (on up to $25,000 per year, then 1X)
3X points on flights booked directly with airlines or on AmEx Travel
1X point on all other purchases
No foreign transaction fees
$120 annual dining credit ($10 monthly) at select partners like Grubhub & The Cheesecake Factory
Up to $120 Uber Cash ($10 monthly) for U.S. Uber rides & Uber Eats
Up to $100 Resy credit ($50 semi‑annually) on eligible restaurant bookings
Up to $84 Dunkin’ credit ($7 monthly) at U.S. Dunkin’ locations
Transfer points to leading airline & hotel partners for maximum value

Whether you’re indulging in chef‑crafted meals, stocking up on groceries or flying across the globe, the AmEx Gold Card turns everyday spend into premium rewards. Use your monthly credits, earn accelerated points on dining and travel, and redeem points for statement credits or transfer to top loyalty programs—all while enjoying no foreign transaction fees.

Terms apply. Welcome offer and credits require enrollment and qualifying purchases. See issuer for full details.

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Capital One Venture X Rewards

Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,388Total$1,388Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,388
Welcome offerAfter $4,000 in 3 months: 75,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck

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Benefits
Airport lounges: Included
NEXUS: Included
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Trip Cancellation: $2,000
Trip Interruption: $2,000
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (primary): $75,000 · 15 days

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Pros

Welcome bonus of 75,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Travel at a Value: Capital One Venture X Rewards Credit Card

10X miles on hotels & rental cars booked through Capital One Travel
5X miles on flights & vacation rentals through Capital One Travel
2X miles on all other purchases
$395 annual fee, with up to $300 annual travel credit for portal bookings
10,000 anniversary bonus miles (worth $100) each year
Global Entry/TSA PreCheck credit up to $100 every four years
Unlimited lounge access at Capital One & Priority Pass lounges
No foreign transaction fees

Perfect for frequent explorers, this card’s robust benefits—from statement credits to lounge access—easily offset its annual fee. Book your next adventure, relax in premium lounges and enjoy seamless digital tools, all while earning unlimited rewards on every dollar spent.

Terms apply. See issuer’s website for rates, fees and complete details.

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The Business Platinum Card® from American Express

Business Amex American Express Membership Rewards

Annual fee: $895
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$5,700Total$5,700Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $5,700
Welcome offerAfter $20,000 in 3 months: 300,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $895/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Business Platinum Card^® within the first 3 months of Card Membership.
The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card^® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel^™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
1X points on other eligible purchases
$895 Annual Fee.
Terms Apply.

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Rewards: Rate
Travel: 5x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 300,000 points

Cons

High annual fee ($895)

Unlock Premium Business Travel Benefits with The Business Platinum Card^® from American Express

Elevated Welcome Offer: Earn up to 300,000 Membership Rewards^® points after you spend $20,000 in eligible purchases within the first 3 months of Card Membership!

The Business Platinum Card^® from American Express delivers exceptional value that can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds. With this premium business card, you’ll enjoy:

Access to 1,550+ airport lounges across 140 countries with the American Express Global Lounge Collection^®
Up to $600 in statement credits annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings
Up to $200 Airline Fee Credit with your selected qualifying airline
Up to $200 back annually on eligible Hilton purchases (for Hilton For Business members)
Up to $209 back annually on CLEAR^® Plus Membership
Up to $1,150 in Dell Technologies credits ($150 statement credit plus an additional $1,000 after spending $5,000+)
$250 Adobe credit after spending $600+ per calendar year
Up to $360 back annually for purchases with Indeed
Up to $120 back annually for wireless telephone services

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IHG One Rewards Premier Select Credit Card

ChaseIHG Rewards

Annual fee: $350
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,200Total$1,200Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,200
Welcome offer+ 10,000 with an authorized userAfter $5,000 in 3 months: 200,000 points

Features
Issuer: Chase
Network
Program: IHG Rewards

Fees and terms
Annual Fee: $350/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Welcome offer: earn 200,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening, plus 10,000 bonus points after you add an authorized user in the first 3 months.
Earn 12 points per $1 at IHG Hotels & Resorts (up to 28 total points per $1 with your IHG One Rewards member and elite earnings).
Earn 6 points per $1 on dining and other travel, including rideshare. Earn 3 points per $1 on all other purchases.
Anniversary Free Night each year (redemption cap of 60,000 points), plus a second Free Night after $40,000 in purchases in a calendar year.
Automatic Platinum Elite status and 20 Elite Night Credits each year; Diamond Elite status after $25,000 in purchases in a calendar year.
Up to $75 each quarter in IHG Food & Beverage Rewards, a $200 statement credit after $250 on airline tickets each year, and up to $120 for Global Entry, TSA PreCheck^® or NEXUS.
$350 annual fee. No foreign transaction fees.

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Rewards: Rate
IHG hotels: 12x
Restaurants: 6x
Travel: 6x
Transit: 6x

Benefits
NEXUS: $120

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Pros

Welcome bonus of 200,000 points
3x on groceries
6x at restaurants

Cons

High annual fee ($350)

The top tier of Chase's IHG lineup

Launched in October 2026, the IHG One Rewards Premier Select Credit Card carries a $350 annual fee and a welcome offer of 200,000 bonus points after spending $5,000 in the first 3 months, plus 10,000 points when you add an authorized user.

It earns 12 points per $1 at IHG Hotels & Resorts (up to 28 points per $1 in total), 6 points per $1 on dining and other travel, and 3 points per $1 everywhere else.

Automatic Platinum Elite status and 20 Elite Night Credits a year
Anniversary Free Night worth up to 60,000 points, and a second one after $40,000 in annual spend
Up to $75 a quarter in IHG Food & Beverage Rewards and a $200 airline credit

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American Express Business Gold Card

Business Amex American Express Membership Rewards

Annual fee: $375
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$3,800Total$3,800Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $3,800
Welcome offerAfter $15,000 in 3 months: 200,000 points

Features
Issuer: Amex
Network
Program: American Express Membership Rewards

Fees and terms
Annual Fee: $375/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Welcome Offer: Earn as high as 200,000 Membership Rewards points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. You may not be eligible for the maximum offer amount.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 29.24% variable APR.*
Earn 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply

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Benefits
Annual credit: Included

Travel insurance: Coverage
Lost Baggage: $1,250
Flight Delay: $300

Purchase protection: Coverage
Purchase Protection: $1,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $50,000 · 30 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($375)

Unlock Customized Rewards with the American Express Business Gold Card

As high as 200,000 Membership Rewards^® points after $15,000 in purchases within the first 3 months (you may not be eligible for the maximum amount)
4X points on your top two spend categories each billing cycle—from advertising and U.S. software to gas stations, restaurants, transit and wireless—on up to $150,000 in combined purchases per year
1X point on all other purchases
$20 statement credits each month for eligible U.S. purchases at Grubhub, office supply stores and shipments at UPS.com (up to $240 per year)
$12.95 monthly credit for Walmart+ membership (enrollment required)
$375 annual fee

Perfect for businesses that want to tailor rewards to their most essential expenses, this card adapts each month to where you spend most, maximizing your point-earning potential. Enjoy flexible buying power, Pay Over Time options and intuitive expense management in the American Express app.

Terms apply. Bonus points and statement credits require enrollment and qualifying purchases. 4X points cap of $150,000 combined spend per calendar year then 1X. See terms for details.

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Hilton Honors American Express Aspire Card

Amex Hilton Honors

Annual fee: $550
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,000Total$1,000Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $1,000
Welcome offerAfter $6,000 in 6 months: 200,000 points; Ends Jan 13, 2027

Features
Issuer: Amex
Network
Program: Hilton Honors

Fees and terms
Annual Fee: $550/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Read full review

Rewards: Rate
Restaurants: 7x

Benefits
Annual credit: Included
Travel Wi-Fi: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $3,000
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

Read full review

Pros

Welcome bonus of 200,000 points
3x on groceries
7x at restaurants

Cons

High annual fee ($550)

Unlock Luxury Stays & Exclusive Perks with the Hilton Honors Aspire Card

200,000 Bonus Hilton Honors Points when you spend $6,000 in purchases within the first 6 months of card membership
14X points per $1 on Hilton stays
7X points per $1 on flights booked directly with airlines or through AmexTravel.com, car rentals and U.S. restaurants
3X points per $1 on all other eligible purchases
$450 Hilton resort credit annually (up to $150 per stay)
$250 airline fee credit per calendar year for incidental charges
$100 Digital Entertainment credit each year for eligible services
Automatic Hilton Honors Diamond status for room upgrades, free breakfast and premium Wi‑Fi
Complimentary Priority Pass^™ Select membership with unlimited lounge visits
Free weekend night reward each year after renewal
No foreign transaction fees

This card is ideal for travelers who demand top-tier benefits at every stay. Earn accelerated points on all your Hilton bookings and everyday spending, then redeem them for free nights or premium experiences. Your annual credits offset the fee and elevate resort and airline travel, while Diamond status ensures comfort from check‑in to checkout. Manage your rewards effortlessly with the Amex app and enjoy seamless access to lounges worldwide.

Terms apply. Credits require enrollment and eligible purchases. See issuer for complete details.

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Delta SkyMiles® Reserve Business Card

Business Amex Delta SkyMiles

Annual fee: $650
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,400Total$2,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,400
Welcome offerAfter $20,000 in 6 months: 200,000 points; Ends Nov 4, 2026

Features
Issuer: Amex
Network
Program: Delta SkyMiles

Fees and terms
Annual Fee: $650/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/16/25.
Delta SkyMiles Reserve Members receive 15 Visits each Medallion Year to the Delta Sky Club and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles Reserve Business American Express Card.
Terms and limitations apply.

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Rewards: Rate
Delta flights: 3x
Transit: 1.5x
Office: 1.5x

Benefits
Airport lounges: 15 visits/yr
NEXUS: $120
Annual credit: Included

Travel insurance: Coverage
Trip Cancellation: $10,000
Trip Interruption: $10,000
Lost Baggage: $1,250
Flight Delay: $500

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary): $75,000 · 30 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($650)

Power Your Business Journeys with the Delta SkyMiles^® Reserve Business American Express^® Card

70,000 bonus miles after $6,000 in purchases within your first 6 months
3X miles on Delta purchases and direct hotel bookings
1.5X miles on U.S. shipping, transit and select business expenses
15 Delta Sky Club^® lounge visits per Medallion^® year plus four guest passes
Up to $200 annual statement credit for Delta in‑flight purchases
Global Entry/TSA PreCheck^® credit up to $100 every four years
Priority boarding and free first checked bag for you and up to eight companions
$650 annual fee; no foreign transaction fees

Designed for entrepreneurs who fly Delta often, this card accelerates your miles on core travel and business categories while delivering premium lounge access and travel credits that offset the fee. Enjoy seamless expense management with employee cards at no extra cost, enhanced meeting productivity in Sky Club lounges, and automatic reimbursement for your trusted security screening program. Redeem miles flexibly for award flights or statement credits, and watch your business take off with every dollar spent.

Terms apply. Welcome bonus, lounge access and credits require qualifying purchases. See issuer’s site for full details.

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Sapphire Reserve for Business℠

BusinessChaseChase Ultimate Rewards

Annual fee: $795
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$4,100Annual credit$300Total$4,400Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $4,400
Welcome offerAfter $30,000 in 6 months: 200,000 points

Features
Issuer: Chase
Network
Program: Chase Ultimate Rewards

Fees and terms
Annual Fee: $795/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
$6,500+ in value your first year. 200K points, valued at $4,000 for select flights and hotels through Chase Travel^SM, plus $2,500+ in annual value through travel and business benefits.
Earn 8x points on Chase Travel^SM for airline tickets, hotels, including The Edit^SM, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass^TMSelect membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC

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Rewards: Rate
Travel: 4x

Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $10,000
Trip Interruption: $10,000
Delayed Baggage: $500
Lost Baggage: $3,000
Flight Delay: $500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 120 days
Extended Warranty: +1 year
Mobile Device: $1,000
Auto Rental Collision (secondary, primary for business rentals, primary abroad): $75,000 · 31 days

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Pros

Welcome bonus of 200,000 points

Cons

High annual fee ($795)

Elevate Your Business Travel with the Chase Sapphire Reserve for Business℠

200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening
8x points on Chase Travel℠ for airline tickets, hotels including The Edit℠, car rentals, cruises, activities and tours
5x total points on Lyft rides through 9/30/27
4x points on flights & hotels booked direct
3x points on social media & search engine advertising
1x point on all other purchases
Up to $300 in statement credits each anniversary year on travel purchases
Chase Sapphire Lounge® by The Club and Priority Pass™ Select — two guests may accompany the Primary Cardmember free of charge
$795 annual fee

Access more than $7,000 in total business and travel value in your first year: 200K points, valued at $4,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.

Terms apply. See issuer for complete details and eligibility.

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Capital One Venture X Business

Business Capital One Capital One Miles

Annual fee: $395
Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$2,775Total$2,775Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.: $2,775
Welcome offerAfter $30,000 in 3 months: 150,000 points

Features
Issuer: Capital One
Network
Program: Capital One Miles

Fees and terms
Annual Fee: $395/yr
Min. annual income: —

Interest rates
Foreign transaction fee: 0 %

Issuer terms

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
Earn unlimited 2X miles on every purchase, everywhere-with no limits or category restrictions
Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One’s travel booking site
With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
Every year, you’ll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One’s travel booking site
Receive up to a $120 credit for Global Entry or TSA PreCheck. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and Priority Pass lounges, after enrollment
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
This is a pay-in-full card, so your balance is due in full every month

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Benefits
Airport lounges: Included
NEXUS: $120
Annual credit: $300/yr
Concierge: Included

Travel insurance: Coverage
Travel Medical: ✓
Trip Cancellation: $1,500
Trip Interruption: $1,500
Delayed Baggage: $300
Lost Baggage: $1,500
Travel Accident: $1,000,000

Purchase protection: Coverage
Purchase Protection: $10,000 · 90 days
Extended Warranty: +1 year
Mobile Device: $800
Auto Rental Collision (secondary, primary for business rentals, primary abroad): 31 days
Price protection: ✓

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Pros

Welcome bonus of 150,000 points
2x on groceries
2x at restaurants

Cons

High annual fee ($395)

Elevate Your Business Travel with the Capital One Venture X Business Card

150,000 bonus miles after $30,000 in purchases within 3 months
10X miles on hotels and rental cars booked through Capital One Travel
5X miles on flights and vacation rentals booked through Capital One Travel
2X miles on all other purchases, everywhere
$300 annual travel credit for bookings through Capital One Travel
$120 statement credit for TSA PreCheck^® or Global Entry^® application fee
Unlimited lounge access at 1,300+ Priority Pass and Capital One lounges
$100 experience credit on Premier Collection hotel and vacation rental bookings
No foreign transaction fees
$395 annual fee
Charge card: pay your balance in full each month

This card is tailored for business owners who value premium travel perks and powerful earning rates. Flexibly redeem miles through Capital One Travel or transfer to leading airline and hotel partners. Between generous credits, lounge access and elevated rewards, you’ll more than offset the annual fee and enjoy a seamless global journey.

Terms apply. Welcome bonus and credits require minimum spending. See issuer’s site for full details.

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Complete Guide

Top-tier cards with the best lounge access, travel insurance, and perks. Amex Platinum, Chase Sapphire Reserve, Capital One Venture X.

Premium cards ($395-$695/yr) offer the richest benefits: airport lounge access, comprehensive travel insurance, elite status, travel credits, and the highest earn rates.

The Big Three

Amex Platinum ($695): Best lounge access (Centurion + Priority Pass + Delta Sky Club). Chase Sapphire Reserve ($550): Best transfer value (Hyatt) + $300 credit. Capital One Venture X ($395): Best value (effectively $95 after $300 credit + 10K bonus).

Cards analyzed

Oct 2026

Last updated

100%

Independent

Our Methodology

Every card is evaluated across 100+ criteria. We calculate first-year value by combining the welcome bonus, estimated rewards on typical American spending patterns, and subtracting the annual fee. This objective score determines our ranking.

📊Real data

🔄Updated regularly

⚖️Unbiased review

🎯Transparent criteria

FAQ

Frequently Asked Questions

1Is a $695 annual fee worth it?

For the Amex Platinum, if you use the $200 airline credit, $200 Uber credit, $200 hotel credit, $155 Walmart+ credit, and access Centurion Lounges, you easily exceed $695 in value.

2Which premium card should I get first?

The Capital One Venture X ($395 - $300 credit = $95 effective) is the easiest to justify. If you want the most transfer flexibility, start with the Chase Sapphire Reserve.

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