There are great credit cards for every budget, hobby, business, want, need, or anything else you can imagine. Great cards are everywhere, but we know you’re here to see the absolute best luxury credit cards for 2023. We have rounded up our top picks, packed with mile-earning potential, travel credits, airport lounge access, and more.
At a Glance
Best Luxury Credit Cards
Luxury cards are the most sought-after breed in the credit card world. They offer the kind of VIP experiences you dream about but that comes with a hefty price tag. Cardholders have access to exclusive airport lounges, complimentary upgrades, in-flight bonuses, shortcuts through security, and so much more. But are luxury cards worth it? And which cards are the crème de la crème?
At BestCards.com, we have an unrivaled selection of credit cards from issuers of every size. If you are looking for a secured card from a regional credit union, we’ve got you covered. If you’re a start-up looking for a great no annual fee business card, you’ve come to the right place. And if you want an uber-luxurious card that pampers you like royalty, look no further. Here are the picks for Best Luxury Credit Cards of 2023.
The Platinum Card® from American Express
The Platinum Card® from American Express
The Platinum Card® from American Express
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Luxury is always within reach when you use The Platinum Card® from American Express. This exclusive rewards card offers premium travel rewards and a host of additional perks for the savvy voyager. Uber Cash and complimentary lounge access are just a few of the more practical perks that lend ongoing value to Platinum Card members beyond the impressive signup bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®
- VIP status and $200 Uber savings on rides or eats orders in the U.S. annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and can take advantage of a myriad of benefits including access to airport lounges and Uber credits
- you intend to sign up for Global Entry or TSA Pre?®
- You prefer airline flexibility when redeeming points for travel
- You're likely spend $6,000 within the first six months as a cardholder to receive the card’s welcome offer
- You'll take advantage of exclusive events and experiences available only to Platinum cardholders
The Platinum Card from American Express
No list of the best luxury credit cards of 2023 would be complete without the Platinum Card. The Amex Platinum is the name in luxury – and that reputation appears safe for the long-term. The card earns impressive points with American Express Travel bookings, but the vast array of travel perks and rewards program tier upgrades are what makes this card a constant in the wallet of the savvy traveler.
What are those perks? To begin with, the Platinum Card provides complimentary access to Priority Pass lounges, Delta Sky Club Lounges, and American Express’ own Centurion Lounge and International American Express® lounges. This collection, known as the Global Lounge Collection, offers an unparalleled choice to the luxury-conscious traveler. Additional credits for airline fees, TSA Pre-Check and Global Entry, and $200 in Uber credits make traveling to – and from – the airport a breeze.
Once out of the terminal, the Amex Platinum Card continues to shine, offering elite status in both the Marriott Bonvoy (Marriott Gold) and Hilton Honors (Hilton Gold) loyalty programs. These perks give cardholders access to complimentary upgrades, free breakfast, superfast Wi-Fi, and late check-out. All told, the American Express® Platinum Card offers over $1,000 in statement credits each year, which includes at least $400 in travel credits. This value on its own makes up for the $695 annual fee. The lounge access, and hotel perks, however, are what makes this card the ultimate luxury card – and one any serious globe-trotter needs to consider.
Chase Sapphire Reserve®
Chase Sapphire Reserve®
Chase Sapphire Reserve®
- 21.74% to 28.74% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 21.74% to 28.74% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.49% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Chase Sapphire Reserve® card, luxury and travel rewards come together with this upper-tier card, which offers an attractive points system and includes a lengthy list of perks for any jet setter.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- 1:1 point transfer to leading airline and hotel loyalty programs • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Member FDIC
- Regular Purchase APR: 21.74% to 28.74% variable based on creditworthiness and Prime Rate
- Balance Transfer APR: 21.74% to 28.74% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on the Prime Rate
- Annual Fee: $550, each authorized user: $75 per year
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and want a card that provides worldwide value
- You eat at restaurants frequently
- You plan to use rewards for travel, which provides the best value for redemption
- You want a card with no foreign transaction fees
Chase Sapphire Reserve®
Luxury cards are primarily travel cards. The best luxury cards offer the best luxury travel benefits. After all, if you wanted a card that provided you with luxury at home, you’d likely apply for a Home Depot, Lowes, or Bed Bath & Beyond card. There aren’t many high-end cards as associated with travel as the Chase Sapphire Reserve®.
The Sapphire Reserve® made headlines recently due to the rise in its annual fee – now $550. American Express makes up for this with statement credits, effectively wiping out the annual fee. Chase also attempts this trick, offering over $300 in credits towards travel purchases each year. Cardholders also receive TSA Pre-Check/Global Entry credits every four years.
The Reserve also provides unlimited lounge access through Priority Pass and Visa® Infinite’S Luxury Hotel Collection. The real benefit of the Sapphire Reserve®, however, is in the value of its points. Beyond the 50,000 bonus points after signup, the 3X points travel and dining pack an extra punch thanks to the Reserve Card earning an additional 50% redemption value through the Chase Ultimate Rewards Program. That program, considered the best in the rewards game, offers cardholders access to one-to-one point-to-airline mile transfers, unique experiences, and more.
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
Capital One Venture X Rewards Credit Card
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% - 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Capital One Venture X Rewards Credit Card provides huge travel perks, impressive miles on every purchase, and more – for a $395 annual fee. New accounts also enjoy 75,000 miles after making $4,000 in purchases in the first three months.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive up to $300 back annually as statement credits for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and our Partner Lounge Network
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs
- Elevate your stay at luxury hotels and resorts from the Premier Collection with a $100 experience credit, daily breakfast for 2 and complimentary WiFi on every booking, plus other premium benefits like room upgrades, early check-in and late checkout when available
- Regular Purchase APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% - 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer you. None for balances transferred at the Transfer APR.
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 3% of the amount of the cash advance, but not less than $3
- Annual Fee: $395
- Late Payment Penalty Fee: Up to $40
- You travel often, and want a card that provides lounge access, elite status, and more
- You plan on issuing cards to multiple authorized users
- You plan on spending at least $4,000 on the card in the first three months
- You don’t want to pay foreign transaction fees
Capital One Venture X Rewards Credit Card
If you’re looking for luxury at a decent price point and travel perks, look no further than the Capital One Venture X Rewards Credit Card. This one is for the frequent traveler and big spender. The Venture X is a travel rewards credit card that features bonus miles, travel credits, airport lounge access, and more.
If you plan to spend at least $4,000 in the first three months of acquiring your Venture X card, then you can claim 75,000 bonus miles as a new cardholder. That is over $700 towards travel. Cardholders also get 10K bonus miles annually – equal to $100 towards travel. Additionally, card users will also receive up to a $100 credit on Global Entry or TSA PreCheck®, perfect for getting through faster at airport security lines or international flights.
Furthermore, we have the reward miles to discuss. Get up to 10x reward miles on things like hotel and car rentals, flights booked through Capital One Travel, and all your other purchases. Travel with more added through the cards partner lounge network. Relax before a flight, you and two guests in over 1,300 lounges worldwide from Priority Pass™ and Plaza Premium Group.
UBS Visa Infinite Credit Card
UBS Visa Infinite Credit Card
UBS Visa Infinite Credit Card
UBS Visa Infinite Credit Card
- 20.24% variable based on the Prime Rate Regular Purchase APR
- 20.24% variable based on the Prime Rate Balance Transfer APR
- 27.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Luxurious travel rewards credit cards are a rare creature in the credit card world, and the UBS Visa Infinite Card is an excellent example of the breed. The card earns 3X points on airfare, 2X on gas and groceries, and 1X on everything else. Points aren’t what makes this card so impressive, however. The perks, service, and statement credits available with the card are tough to beat and make this card well worth every penny of its $495 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 3x points for commercial air travel, 2x points for gas and groceries, and 1 point for all other eligible purchases
- Flexible rewards options including travel, gift cards, merchandise—and your annual fee
- $250 credit for any qualifying air travel expenses
- Complimentary Priority Pass membership
- TSA Pre-check or Global Entry statement credits
- Regular Purchase APR: 20.24% variable based on the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 20.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $2 to $10 or 2% to 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $495
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You're a current UBS Wealth Management customer
- You travel often and want perks to make the trip that much more enjoyable
- You prefer experiences over points
- You have an eye for the more beautiful things in life
First, a confession: I have a deep admiration for the UBS Visa® Infinite Card. Not because the card earns an unheard-of amount of points or even great points, for that matter. I adore this card because of the luxury it showers upon cardholders. The UBS Visa® Infinite may only earn 3X points on commercial airfare and travel purchases and an additional 2X points on gas and groceries, but it makes up for this shortcoming with travel perks that would make even a Sapphire Reserve® die-hard envious.
The luxury begins with the UBS Concierge service, which not only provides the usual 24/7 availability and ticket booking you’d expect from Amex or Chase, but also a cohort of local travel experts that can guide cardholders through every step of their travel – and provide unrivaled advice. Great advice and 24/7 support are one thing, but a real luxury card needs airport lounge access. UBS provides that (and then some), as cardholders receive unlimited access to Priority Pass lounges. Of course, some programs don’t operate within the Priority Pass network, which is frustrating.
Fortunately, UBS has an answer, with their $500 Any Airport Club statement credit. Other travel perks include TSA Pre-Check statement credits, a $250 air travel statement credit, free Gogo in-flight Wi-fi, and savings on private jet bookings through NetJet (including a complimentary 12.5-hour Jet Card for new cardholders). Cardholders also have the usual access to Visa® Infinite hotels and bookings, with an extra $700 service credit for stays at Villas of Distinction, should they need a massage, some champagne, or even a private chef after their long journey. Not bad for a $495 annual fee.
U.S. Bank Altitude™ Reserve Visa Infinite® Card
U.S. Bank Altitude™ Reserve Visa Infinite® Card
U.S. Bank Altitude™ Reserve Visa Infinite® Card
- 22.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 22.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The U.S. Bank Altitude Reserve Visa Infinite Card is a premium travel card designed to compete directly with travel heavyweights like the Chase Sapphire Reserve and the American Express Platinum Card. The card, like other premium travel credit cards, comes with an array of travel perks and privileges, including statement credits for a TSA Precheck or Global Entry and travel purchases each year, complimentary Priority Pass Select membership, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 50,000 bonus enrollment points after making $4,500 in the first 90 days as a cardholder
- Earn 5X points per$! spent on prepaid hotels and car rentals booked directly in the Altitude Rewards Center
- Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending
- Stay connected with 12 complimentary Gogo® Inflight Wi-Fi passes per year
- Complimentary 12-month Priority Pass™ Select membership that gives access to more than 1,300 VIP lounges worldwide
- Regular Purchase APR: 22.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 22.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $400
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You want an ultra-premium travel card
- You plan to spend $4,500 within the first 90 days of opening an account
- You want lounge access, TSA Precheck statement credits, and Wi-Fi credits
- You like the sound of custom-engraved metal credit card
- You don’t mind paying a $400 annual fee
U.S. Bank Altitude Reserve Visa Infinite Card
The U.S. Bank Altitude Reserve® Visa® Infinite is the discount luxury card on this list (if you count a $400 annual fee as a discount, that is). The Altitude Reserve comes with all the typical travel perks you’ve come to expect from a luxury card. Cardholders receive Priority Pass lounge access, a $350 travel statement credit each year. They also get credits for TSA Pre-Check/Global Entry application fees every four years, and 12 free Gogo Wi-Fi vouchers.
The reason I like the U.S. Bank Altitude Reserve®, however, isn’t the perks (though those are great). I love this card because it offers something that other luxury cards don’t provide: The ability to earn serious points through mobile wallet payments. The card gets the same 3X points like many other comparable cards do on travel purchases, but it also earns triple points on purchases made through mobile wallets.
The chance to earns 3X points when using the card for everyday purchases brings a taste of luxury into the everyday world. Sure, the card offers many of the goodies that come with cards like the Sapphire Reserve® or the UBS Visa® Infinite, but it does so with the bonus of earning an impressive amount of points at the convenience store, the movies, or anywhere else contactless payments are available.
Honorable Mentions
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
Hilton Honors American Express Aspire Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Hilton Honors American Express Aspire Card is a behemoth of a hotel card, offering new cardmembers the ability to earn a hefty Hilton Honors bonus points welcome offer after making $6,000 in eligible purchases on the card within the first three months of the account opening. This card also grants the ability to earn a whopping 14x Hilton Honors points per dollar spent on direct Hilton hotel and resort purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 14X points for Hilton hotels and resorts
- 7X points on flights booked directly with airlines or through amextravel.com, ca
- 7X points on car rentals booked directly from select car rental companies
- 7X points at U.S. restaurants
- 3X points on all other purchases
- Complimentary Diamond Status in the Hilton Honors rewards program
- Anniversary bonus of one weekend night
- Earn additional weekend night reward after spending $60,000 within calendar year
- $400 Hilton resort statement credit
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're capable and willing to spend $6,000 within the first three months of opening an account to receive the card’s welcome offer of bonus Hilton Honors points
- You wantCLEAR security fast pass
- You book stays at Hilton Resorts at least once per year
- You will make $60,000 in purchases per year
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy Brilliant® American Express® Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Marriott Bonvoy Brilliant® American Express® Card adds a sizable dose of luxury to your wallet with generous rewards and ample perks for your travels. If you feel as though you spend more time in a Marriott Bonvoy hotel room than anywhere else, this card can help you make the most of it with free stays, upgrades and points for days (and nights).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- $300 Brilliant Dining Credit: Each Card renewal year, get up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide.
- With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy® program. 3 points at restaurants worldwide and on flights booked directly with airlines. 2 points on all other eligible purchases.
- Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Each calendar year after spending $60,000 on eligible purchases made on their Marriott Bonvoy Brilliant® American Express® Card, Card Members are eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
- $100 Luxury Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
- Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
- No Foreign Transaction Fees on international purchases.
- You can be reimbursed for your costs to repair or replace your damaged or Stolen cell phone for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Coverage is provided by New Hampshire Insurance Company, an AIG Company. Additional terms and conditions apply.
- $650 Annual Fee.
- Terms Apply.
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $650
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You book the majority of your hotel stays at Marriott Bonvoy properties
- You travel frequently for work or pleasure and want to rack up more points on your Marriott Bonvoy loyalty membership
- You often incur incidental charges such as room service or spa service during your hotel stays
- You're looking for a luxury travel card with massive rewards for every purchase and no foreign transaction fees
American Express® Gold Card
American Express® Gold Card
American Express® Gold Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
- Terms Apply
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
Delta SkyMiles® Reserve American Express Card
- 20.99% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Frequent patrons of Delta airlines will find a lot of advantages when using the Delta SkyMiles® Reserve American Express Card. That’s because the card offers a wide variety of perks that more than make up for its $550 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months
- Complimentary access to the Delta Sky Club® for you when traveling on a Delta flight
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card
- Earn up to 60,000 Medallion® Qualification Miles (MQMs) With Status Boost® per year. After you spend $30,000 in purchases on your Card in a calendar year, you can earn 15,000 MQMs up to four times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights
- Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees
- Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class
- Fee Credit for Global Entry or TSA PreCheck® after you apply through any Authorized Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck
- Enjoy your first checked bag free on Delta flights
- Earn 3X Miles on Delta purchases
- Earn 1X Mile on all other eligible purchases
- No Foreign Transaction Fees
- $550 Annual Fee
- Terms Apply
- Regular Purchase APR: 20.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $550
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and will benefit from luxury perks
- You plan to use all of the card’s benefits and perks to justify the $550 annual fee
- You're a current SkyMiles frequent flyer
- You don’t want to pay foreign transaction fees
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Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.
