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Best premium credit card

Travel in style with premium perks and features.

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Our pick for a luxury credit card: Chase Sapphire Reserve®

Chase Sapphire Reserve® logo

50,000-point

Signup bonus after spending $4,000 in first 3 months

  • Not just for travel: Get DoorDash perks,10x points on Lyft and 3x on dining
  • Signup bonus worth $750 with Chase Ultimate Rewards
  • $300 annual travel credit
Apply now
To get the most out of your premium credit card, consider using it for travel. Not only can it help you earn accelerated points on purchases, but it can offer many perks such as annual travel credit, a dedicated concierge service, complimentary lounge access and more. Just be ready to pay a high annual fee.

When making our selection for the best premium credit cards, we looked at a variety of factors a consumer might consider. Some of these factors included the types of reward programs, cash back or points per dollar spent, travel or bonus statement credits, annual fee, welcome offer value, balance transfer fees and other luxurious perks found in a premium credit card.

Quick look at the premium credit cards

Best premium credit card for balance transfers

Luxury Card Mastercard® Titanium Card™

Luxury Card Mastercard® Titanium Card™ logo
Finder Rating: 2.4 / 5

★★★★★

Credit recommended (700-850)
Apply now
on Luxury Card's secure site
700
Min. credit score
$195
Annual fee
15 billing cycles
0% intro transfer APR
Up to 1x
Points
If you're looking for a premium travel credit card with an intro APR period on balance transfers, the Luxury Card Mastercard® Titanium Card™ could be a good choice.
  • Intro APR period on balance transfers. Enjoy a 0% intro APR period of 15 billing cycles following each balance transfer that posts to your account within the first 45 days. Once the intro period passes, your rate reverts to a variable APR of 14.99%.
  • Luxury Card Travel. Get a value of up to $500 per stay at over 3,000 properties worldwide. This includes room upgrades, complimentary food and beverage, spa treatments and more.
  • Mastercard Titanium benefits. You'll enjoy baggage delay insurance, ID theft protection, zero fraud liability protection, price protection and purchase assurance.
Annual fee $195
Purchase APR 14.99% variable
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.99% variable)
Balance transfer fee $5 or 3% of the transaction, whichever is greater
Rewards 1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back

Best premium credit card for cash back

Luxury Card Mastercard® Black Card™

Luxury Card Mastercard® Black Card™ logo
Finder Rating: 2.9 / 5

★★★★★

Credit recommended (700-850)
Apply now
on Luxury Card's secure site
700
Min. credit score
$495
Annual fee
Up to 1x
Points
n/a
Welcome offer
The Luxury Card Mastercard® Black Card™ can be a great choice if you want luxury travel and elite Mastercard benefits like invitation-only experiences.
  • Reward points. You earn 1 point per dollar spent with this card. This equals 1.5 cents when redeemed for cash and 2 cents when redeemed for airline tickets.
  • Mastercard Black benefits. You get an annual $200 airline credit for airline tickets, baggage fees, upgrades and more. You also get $100 Global Entry or TSA PreCheck application credit. Enjoy even more comfort with Priority Pass and receive complimentary access to more than 1,000 lounges worldwide.
  • Mastercard Priceless. Enjoy unique excursions and access to exclusive events.
Annual Fee $495
Purchase APR 14.99% variable
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer N/A
Rewards 1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back

Best premium credit card for international travel

Chase Sapphire Reserve®

Chase Sapphire Reserve® logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Chase's secure site
Rates & fees

740
Min. credit score
$550
Annual fee
Up to 10x
Points
50,000
Points welcome offer
The Chase Sapphire Reserve® could be a great premium card if you frequently travel worldwide and dine out at restaurants.
  • Reward points. Earn 3x points on travel purchases and when you dine at restaurants worldwide, and 10x points on Lyft rides until March 2022. Everything else you buy earns 1x points. Redeem your points through Chase Ultimate Rewards and get 50% higher value for your points.
  • Signup bonus. Spend $4,000 within 3 months of your account opening and earn 50,000 bonus points. This is worth $750 when redeemed through Chase Ultimate Rewards.
  • Lounge access. Get complimentary access to more than 1,000 VIP lounges worldwide after a one-time enrollment in Priority Pass.
Annual Fee $550
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases

Best premium credit card for the ultimate luxury travel

Luxury Card Mastercard® Gold Card™

Luxury Card Mastercard® Gold Card™ logo
Finder Rating: 3 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Luxury Card's secure site
740
Min. credit score
$995
Annual fee
Up to 1x
Points
n/a
Welcome offer
If you want to travel in style and luxury, the Luxury Card Mastercard® Gold Card™ could be the right choice.
  • Luxury Card Travel. Get up to $500 value per stay for room upgrades, complimentary food and beverage, spa credits and more at over 3,000 properties across the world.
  • Reward points. Earn 1x points on all of your purchases. When redeeming for cash or airfare, each point is worth 2 cents.
  • Travel credits. Get $200 airline fee credit every year to use for airline tickets, baggage fees, seat upgrades and more. And get up to $100 statement credit for your Global Entry or TSA PreCheck application fee.
  • Lounge access. Enjoy complimentary lounge access with Priority Pass Select.
Annual Fee $995
Purchase APR 14.99% variable
Balance transfer APR 0% intro for the first 15 billing cycles (then 14.99% variable)
Welcome offer N/A
Rewards 1x points on all purchases with 2% point value when you redeem for airfare or cash back

Best premium credit card for travel and dining

Citi Prestige® Credit Card

Citi Prestige® Credit Card logo
Finder Rating: 3.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$495
Annual fee
Up to 5x
Points
$500
Points welcome offer
The Citi Prestige® Credit Card could be an excellent choice if you frequently dine out and travel as it offers the most reward points on these categories.
  • Reward points. Earn 5x points on air travel and restaurants, 3x points on hotels and cruise lines and 1x points on all other purchases. Redeem points for travel, experiences, cash and gift cards or donate to a charity.
  • Signup bonus. Earn 50,000 reward points once you spend $4,000 in your first 3 months of opening your account. That's worth up to $850 when redeemed for travel with no blackout dates.
  • Travel credit. Get up to $250 in travel credit every calendar year.
Annual Fee $495
Purchase APR 16.99% to 23.99% variable
Balance transfer APR 16.99% to 23.99% variable
Welcome offer 50,000 points after spending $4,000 in the first 3 months
Rewards 5x points on flights and dining, 3x points on hotels and cruises and 1x points on all other purchases
The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Best value premium credit card

United Club℠ Infinite Card

United Club℠ Infinite Card logo
Credit recommended (670-850)
See offer
on Creditcards.com's secure site
Rates & fees

670
Min. credit score
$525
Annual fee
Up to 4x
Miles
100,000
Miles welcome offer
The United Club℠ Infinite Card offers the best value for your money because you get to enjoy premium perks with a generous signup bonus.
  • Signup bonus. Earn 100,000 miles after you spend $5,000 in your first 3 months. Depending on which United flights you redeem your miles for, you can get a value of between $1,500 and $3,000, or around three roundtrips between Lost Angeles (LAX) and New York (JFK).
  • United miles. Earn 4x miles on United purchases, 2x miles on dining at restaurants and travel purchases, and 1x miles on everything else you buy.
  • United Club membership. Get United Club membership each year worth $650. This perk alone offsets the card's annual fee.
Annual Fee $525
Purchase APR 16.49% to 23.49% variable
Balance transfer APR 16.49% to 23.49% variable
Welcome offer 100,000 miles after spending $5,000 in the first 3 months
Rewards 4x miles on United purchases, 2x miles on travel and dining and 1x miles on all other purchases

Best premium credit card for hotels and airlines

The Platinum Card® from American Express

The Platinum Card® from American Express logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
Rates & fees

670
Min. credit score
$550
Annual fee
Up to 5x
Points
60,000
Points welcome offer
If you want to earn accelerated points on your hotel stays and airline tickets, the The Platinum Card® from American Express could be your best choice.
  • Membership Rewards points. Earn 5x points on flights purchased directly with an airline or through Amex Travel, and 5x points on prepaid hotels booked through Amex Travel. All other purchases earn 1x points.
  • Hotel benefits. Get complimentary benefits valued up to $550 with Fine Hotels Resorts and up to a $100 hotel credit when you stay a minimum of two consecutive nights on hotels booked through Amex Travel.
  • Welcome offer. Earn 60,000 membership reward points once you spend $5,000 in your first three months of card membership. That's up to $1,200 in redemption value.
  • Lounge access. Enjoy access to more than 1,200 airport lounges worldwide.
Annual Fee $550
Purchase APR See Pay Over Time APR
Balance transfer APR See Pay Over Time APR
Welcome offer 60,000 points after spending $5,000 in your first 3 months
Rewards 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases

Advantages and drawbacks of premium credit cards

Pros

  • Better earn rates. Most premium credit cards have high earn rates because they award points based on how frequently you make trips or spend using your credit card.
  • Promotional offers. Many card providers offer premium credit cards to attract new customers with signup bonus points and additional perks which will increase your total rewards from the get-go.
  • Various reward options. Points accumulated from premium credit cards can be redeemed in a variety of ways, including airfare, airline class upgrade, goods and services, cash and more.
  • Added benefits. Premium credit cards with high income requirements are generally platinum or black cards, and this means they come with premium benefits such as complimentary insurance policies, discounts on services, airport lounge passes, dedicated concierge and more.

Cons

  • High annual fee. Generally, premium credit cards tend to have relatively high annual fees. This means you have to spend more on using the credit card to offset the annual fee with the value of your redeemed points. But using this type of card usually offers additional benefits that can outweigh the cost.
  • High interest rates. Many premium cards come with a high interest rate compared to regular cards. Make sure you pay your balance on time to avoid the high interest rates.
  • No intro APR period It’s rare to find a premium credit card that offers intro APR period on purchases and balance transfers. At the time of writing, the Luxury Card Mastercard® Titanium Card™ is the only premium card that offers an intro APR period on balance transfers.
  • Exclusive. As suggested by the name, premium credit cards are only available to high-income earners, restricting the number of cardholders who can take advantage of their benefits.

How to choose top premium credit cards

To choose the best premium credit card, ask yourself:

  • Do you want to earn accelerated points on hotel stays? The Platinum Card® from American Express gives you the highest value on hotel purchases and airline tickets, worth up to 5% in redemption value.
  • Do you want to earn accelerated points on dining? With the Chase Sapphire Reserve® you earn up to 4.5% in redemption value on dining and travel purchases worldwide.
  • Do you want to make balance transfers? Premium credit cards rarely let you transfer your balance interest-free for a limited amount of time, but all three Luxury Mastercard credit cards offer just that.
  • Do you want the ultimate credit card? With the gold-plated Luxury Card Mastercard® Gold Card™ you get access to invite-only events, chauffeur transportations, yacht or private jet services and more.

Should I get a premium credit card?

If you’re looking for top class perks and benefits, a premium credit card will be up your alley. The main thing to watch for is the annual fee. You should only pick up a premium card if you can use enough of the card’s perks to offset the cost of the annual fee. Otherwise, you’re likely better off with a standard rewards card.

Compare premium credit cards

Want a look at how these luxury cards stack up to one another? Use the table below to compare them side-by-side.

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months
Luxury Card Mastercard® Titanium Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
Luxury Card Mastercard® Black Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
Luxury Card Mastercard® Gold Card™
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
CardMatch™ from creditcards.com
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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Bottom line

If you’re willing to pay a high annual fee, you can get the best premium cards. These usually come with an annual airline credit, Global Entry or TSA PreCheck credit, accelerated points on travel purchases, complimentary lounge access and more.

However, if you believe there could be a better credit card for you, compare other travel credit cards until you find the perfect match for your needs.

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