Find a luxury credit card that fits your lifestyle

Luxury card comparison

There are a lot of luxury credit card options, but most are cobranded airline or hotel credit cards. If you’re looking for a reward redemption freedom, these are the top luxury cards to consider:

• The Platinum Card® from American Express
• Luxury Card Mastercard® Gold Card™
• Chase Sapphire Reserve®
• Citi Prestige® Credit Card
• U.S. Bank Altitude® Reserve Visa Infinite® Card

	The Platinum Card® from American Express	Luxury Card Mastercard® Gold Card™	Chase Sapphire Reserve®	Citi Prestige® Credit Card	U.S. Bank Altitude® Reserve Visa Infinite® Card
Annual fee	$695 (Terms apply, see rates & fees)	$995	$550	$495	$400
Welcome offer
Reward program
Airline credit
Intro APR period on balance transfers
Can carry your balance
Global Entry or TSA PreCheck fee credit
CLEAR credits
Uber credits

What are luxury credit cards?

Luxury credit cards offer perks above and beyond standard credit cards at the cost of high annual fees and demanding membership requirements. Benefits range from access to exclusive airport lounges and travel rebates, to rewards rates that outpace standard cards.

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Name	Product	Welcome Offer	Rewards	Annual fee	Filter values
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.	Apply now View details	Compare	loading Fetching your data...
American Express® Gold Card		60,000 points after spending $4,000 in the first 6 months	4x at restaurants including delivery and Uber Eats; 4x at US supermarkets on up to $25,000 annually (then 1x points), 3x points on directly-booked flights and 1x points on other eligible purchases	$250		Rose Gold is Back Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 based on our valuation with this upper-mid tier travel card. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...
The Platinum Card® from American Express		100,000 points after spending $6,000 in your first 6 months, plus 10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 in combined eligible purchases in the same timeframe	10x points at restaurants worldwide and when you Shop Small in the US on up to $25,000 combined in the first 6 months, 5x points on prepaid hotels booked with American Express Travel, 5x points on directly-booked flights on up to $500,000 annually, then 1x points after that and on other eligible purchases	$695		New Platinum Exclusive Offer One of the most valuable premium travel cards, featuring two welcome offers worth up to $7,000 based on Finder's valuation, multiple travel credits and unrivaled lounge access. Terms apply, see rates & fees	Apply now View details	Compare	loading Fetching your data...

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Are luxury credit cards worth the cost?

Whether a luxury credit card is worth its yearly price tag depends on how you want to use it. The high costs associated with owning a luxury card can be a tough pill to swallow, especially since annual fees can be hundreds or even thousands of dollars. These fees can be made up in some cases, but only by taking full advantage of its premium perks.

Typical luxury credit card features

Many luxury credit cards share standard features, often with leveled-up benefits:

• Signup bonus. Many luxury cards offer especially large signup bonuses, a perk often tied to the price of a card’s annual fee.
• Rewards structures. Eligible purchases with a luxury credit card can earn as high as 5x reward points.
• Annual credits. Luxury cards are leaders in the field when it comes to annual credits, often offering hundreds of dollars in credit each year for travel and other expenses.
• Travel benefits. Unlimited complimentary access to airport lounges, car rental insurance and roadside assistance are all standard perks with luxury cards.
• Time-saving features. Concierge services and global luggage delivery services are just a couple of the time-saving benefits some luxury cards carry.
• Chauffeured transportation. Several luxury cards offer access to chauffeur services. While you’ll need to pay out of pocket, many cards offer discounts on the service as well.

Compare premium credit cards

How to make a luxury credit card pay off

There’s only one way to make a luxury card pay off: use enough of the card’s perks to overcome the card’s large annual fee. No matter how much you enjoy using the card, if you’re not creating enough value through perks to meet or exceed the card’s annual fee then you’re needlessly spending money.

To do this, you’re going to want to look at the entirety of your card’s features. The best way to do this is to sign in to your card account page and find the section on card benefits.

Example of perks needed to cover annual fee

Looking at The Platinum Card® from American Express as an example, you’d need to get more than $695 in value through card perks to make using this card worth it each year. Looking at the card benefits, we can see the Amex Platinum Card offers a $200 airline fee credit, a $200 hotel credit, as well as a $200 Uber credit. If you travel frequently, you should have no trouble earning what amounts to $600 each year without much effort.

From there, you’d just have to create an additional $95 in value. Your remaining options include a few stays at the Centurion Lounge (valued at $50 per stay), using your $100 credit at Saks Fifth Avenue, or using your $240 digital entertainment credit. This card also offers a $300 Equinox credit and a $179 CLEAR credit. So if you use the perks of this card, it more than pays for the annual fee.

Clearly, luxury cards spare no expense when it comes to perks – this isn’t even counting the base reward rate of using the card on travel purchases. But to make using any luxury card worth it, you have to remember to leverage those features.

Here’s a brief comparison of a few luxury cards and what perks you’d have to use to make them worth the spot in your wallet.

How do I get a luxury credit card?

Applying for a luxury credit card is the same as applying for any other type of credit card, though with stricter requirements. You can submit your application online or over the phone. It may also take longer to be approved for a luxury credit card, since most approval processes aren’t automated.

Do I qualify for a luxury card?

Most luxury cards require you have a history of excellent credit for consideration.

Bottom line

With great credit and confidence in your spending habits, the right luxury credit card can offer you benefits that far outpace the hefty annual fee. Take a more in-depth look at these luxury cards to find the one that’s perfect for you.

For less expensive cards, you can check out more cards with travel benefits.

Frequently asked questions

• What is the most elite credit card?

  Formerly known as the American Express Black Card, the Centurion® Card from American Express is one of the most famous elite credit cards. It features no pre-set credit limit and it’s rumored potential members need to charge upward of $450,000 per year on their existing Amex cards for consideration.

• What credit score do I need for a luxury card?

  Many luxury credit cards require at least excellent credit, which usually includes a FICO score of around 740 and higher.

• What credit card has the highest credit limit?

  Outside of the invite-only credit cards, the Chase Sapphire Reserve® has a minimum $10,000 credit limit due to its status as a Visa Infinite card.