Best Premium Cards
Elite benefits and luxury perks. Here are our top picks for 2025.
OUR TOP PICK
Capital One
Capital One Venture X Rewards Credit Card
ANNUAL FEE
$395
APR
19.99%–29.99% variable
WELCOME BONUS
100,000 bonus miles after $10,000 spend in 6 months ($1,000 value)
REWARDS
2x miles everywhere, 10x hotels/rentals, 5x flights through Capital One Travel
WHY WE LOVE IT
- ✓Industry-leading 100,000-mile welcome bonus worth $1,000+
- ✓$300 annual travel credit effectively reduces annual fee to $95
- ✓10,000 anniversary bonus miles worth $100 reduces net cost to -$5
- ✓Unlimited Priority Pass lounge access (primary cardholder)
- ✓Exclusive Capital One Lounge access at four major airports
- ✓Strong 2x earning on all purchases (no caps or limits)
- ✓Exceptional 10x on hotels/rentals, 5x on flights through Capital One Travel
- ✓17+ valuable transfer partners for maximum redemption flexibility
- ✓No foreign transaction fees for international travel
- ✓Primary rental car insurance (rare benefit)
- ✓Comprehensive trip protection suite (cancellation, interruption, delay)
- ✓Cell phone protection up to $800 per claim
- ✓Global Entry/TSA PreCheck credit ($120 value every 4-5 years)
- ✓Complimentary authorized users with full lounge access
- ✓Miles never expire with active account
- ✓Lower annual fee than Chase Sapphire Reserve ($550) or Amex Platinum ($695)
MORE GREAT OPTIONS
American Express
The Platinum Card® from American Express
Annual Fee:$895
Welcome Bonus:Up to 175,000 Membership Rewards...
REWARDS
5X points on flights & prepaid hotels, 1X on everything else
Bank Of America
Bank of America Premium Rewards Credit Card
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®
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
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.