Earn rewards on your purchases and travel with style.
Premium credit cards have the highest value when used on travel. You can earn accelerated points and use their many perks, like annual travel credit, concierge service, complimentary lounge access and more. Just be ready to pay a high annual fee.
Our pick for a premium credit card
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Top premium credit cards
When making our selection of the top premium credit cards, we looked at a variety of benefits a consumer might consider. Some of these could include the types of reward programs, cashback 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.
The cards below stood above and beyond the competition in one or several categories, earning a spot on our list.
Best for balance transfers: Luxury Card Mastercard® Titanium Card™
Best for cash back: Luxury Card Mastercard® Black Card™
Best for dining and travel: Chase Sapphire Reserve®
Best for hotels and airlines: The Platinum Card® from American Express
Best for the ultimate luxury travel: Luxury Card Mastercard® Gold Card™
How to compare top premium credit cards
To choose the best elite 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, private jet or yacht services and more.
Compare concierge credit cards
Bottom line
If you’re willing to pay 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.
Frequently asked questions
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