Best Premium Cards
Elite benefits and luxury perks. Here are our top picks for 2025.
OUR TOP PICK
American Express
The Platinum Card® from American Express
4.5/5
ANNUAL FEE
$895
APR
21.24%–29.99% variable
WELCOME BONUS
Up to 175,000 Membership Rewards points after $8,000 spend in 6 months
REWARDS
5X points on flights & prepaid hotels, 1X on everything else
WHY WE LOVE IT
- ✓Over $3,500 in potential annual value through statement credits and benefits
- ✓Access to 1,550+ airport lounges worldwide, including Centurion Lounges, Delta Sky Club, and Priority Pass Select
- ✓$600 annual hotel credit ($300 semi-annually) for Fine Hotels + Resorts or The Hotel Collection
- ✓$400 Resy statement credit for dining experiences
- ✓$300 annually in lululemon credit ($75 quarterly)
- ✓$200 airline fee credit for incidental fees
- ✓$320 in Uber benefits ($200 Uber Cash + $120 Uber One Credit)
- ✓$209 CLEAR Plus Membership credit annually
- ✓5X earning rate on flights and prepaid hotels provides exceptional value for frequent travelers
- ✓No foreign transaction fees
- ✓Premium travel protections including trip delay/cancellation insurance and baggage insurance
- ✓Exclusive access to Amex Experiences and events
- ✓Complimentary Gold Card status with Marriott Bonvoy and Hilton Honors
- ✓Primary car rental insurance (saves money and hassle)
- ✓24/7 concierge service for travel planning and reservations
MORE GREAT OPTIONS
Bank Of America
Bank of America Premium Rewards Credit Card
4.5
Annual Fee:$95
Welcome Bonus:60,000 points ($600 value) after...
REWARDS
2X points on travel/dining, 1.5X on everything else
Chase
Chase Sapphire Reserve®
4.5
Annual Fee:$795
Welcome Bonus:125,000 points after $6,000 spend...
REWARDS
8X Chase Travel + 4X flights/hotels + 3X dining + 1X everything else
Us Bank
U.S. Bank Altitude® Reserve Visa Infinite® Card
4.5
Annual Fee:$400 (effective $75 after $325 travel/dining credit)
Welcome Bonus:50,000 points (worth $750 for...
REWARDS
3X mobile wallet + travel, 5X prepaid hotels/cars, 1X everything else
What to Consider
How do I choose the right premium cards card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most premium cards cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all premium cards cards or explore other categories to find your perfect match.