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Best premium credit card

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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

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn more.
  • $200 airline fee credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms apply.
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Compare premium credit cards

Name Product Welcome Offer Rewards Annual Fee
60,000 points after spending $5,000 in your first 3 months
5x points on flights booked directly or flights and hotels booked through American Express Travel. 1x points on all other purchases
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit. 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
35,000 points after spending $2,000 in the first 3 months
3x points on airfare booked directly with airlines; 4x points at US restaurants; 4x points at US supermarkets on up to $25,000 per year in purchases (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
75,000 bonus miles and 5,000 MQMs after spending $5,000 in the first 3 months
2x miles on direct Delta purchases and 1x miles on all other purchases
$450
Earn 75,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $5,000 in purchases on your new card in your first 3 months. Rates & Fees
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.

Compare up to 4 providers

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™

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.

Best for cash back: Luxury Card Mastercard® Black Card™

The Luxury Card Mastercard® Black Card™ can be a great choice if you want luxury travel and elite Mastercard benefits like invitation-only experiences.

Best for dining and travel: Chase Sapphire Reserve®

The Chase Sapphire Reserve® could be a great card if you frequently travel worldwide and dine out at restaurants.

Best for hotels and airlines: The Platinum Card® from American Express

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.

Best for the ultimate luxury travel: Luxury Card Mastercard® Gold Card™

If you want to travel in style and luxury, the Luxury Card Mastercard® Gold Card™ could be the right choice.

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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Kliment Dukovski

Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

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