Apply now at Chase's secure site

BEST FOR TRAVEL INSURANCE

Chase Sapphire Preferred® Card

4.5/5

BEST FOR TOTAL VALUE

Rewards Rates

2 - 5X points

Rewards Rates

5x 5x on travel purchased through Chase Ultimate Rewards®
3x 3x on dining.
2x 2x on all other travel purchases, plus more.

Intro Offer

60,000 points

Annual Fee

$95

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners.

Pros

Get 25% more value when you redeem for hotels, airfare, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
The current welcome bonus on this card is quite generous. TPG values it at $1,200.
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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, 2024.

Pros

Get 25% more value when you redeem for hotels, airfare, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
The current welcome bonus on this card is quite generous. TPG values it at $1,200.
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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, 2024.

Pros

Get 25% more value when you redeem for hotels, airfare, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
You’ll earn 2 Ultimate Rewards points per dollar on travel and 3 Ultimate Rewards points per dollar dining including eligible delivery services and takeout
The current welcome bonus on this card is quite generous. TPG values it at $1,200.
Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

The card comes with a $95 annual fee

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
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, 2024.

Apply now at Capital One's secure site

BEST REWARDS CARD FOR NON-BONUS SPENDING

Capital One Venture Rewards Credit Card

4.5/5

Rewards Rates

2 - 5X points

Rewards Rates

5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
2X Earn unlimited 2X miles on every purchase, every day.

Intro Offer

75,000 miles

Annual Fee

$95

Recommended Credit

670-850

Excellent, Good

670-850

Excellent, Good

Why We Chose It

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
This flexible rewards card delivers a solid sign-up bonus of 75,000 miles after spending $4,000 in the first three months of account opening, worth $1,388 based on TPG valuations and not provided by the issuer.
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.

Cons

A couple of partners' transfer ratios are mediocre at a less than 1:1 ratio.
Capital One airline partners do not include any large U.S. airlines.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs

Pros

Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
This flexible rewards card delivers a solid sign-up bonus of 75,000 miles after spending $4,000 in the first three months of account opening, worth $1,388 based on TPG valuations and not provided by the issuer.
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.

Cons

A couple of partners' transfer ratios are mediocre at a less than 1:1 ratio.
Capital One airline partners do not include any large U.S. airlines.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs

Pros

Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners.
This flexible rewards card delivers a solid sign-up bonus of 75,000 miles after spending $4,000 in the first three months of account opening, worth $1,388 based on TPG valuations and not provided by the issuer.
You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories.

Cons

A couple of partners' transfer ratios are mediocre at a less than 1:1 ratio.
Capital One airline partners do not include any large U.S. airlines.

Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
Earn unlimited 2X miles on every purchase, every day
Miles won't expire for the life of the account and there's no limit to how many you can earn
Receive up to a $100 credit for Global Entry or TSA PreCheck®
Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
Transfer your miles to your choice of 15+ travel loyalty programs

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

BEST BUSINESS CARD

The Business Platinum Card® from American Express

4/5

Rewards Rates

1 - 5X points

Rewards Rates

5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
1X 1X points for each dollar you spend on eligible purchases.

Intro Offer

120,000 points

Annual Fee

$695

Recommended Credit

670-850

Good, Excellent

670-850

Good, Excellent

Why We Chose It

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
International Airline Program; and Cruise Privileges Program.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 minimum spend for smaller businesses.
Limited high bonus categories outside of travel.

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
International Airline Program; and Cruise Privileges Program.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 minimum spend for smaller businesses.
Limited high bonus categories outside of travel.

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Pros

Gold status at Marriott and Hilton hotels; access to the Fine Hotels & Resorts program and Hotel Collection (enrollment required).
Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
International Airline Program; and Cruise Privileges Program.
Up to $400 annual statement credit for U.S. Dell purchases (enrollment required).

Cons

Steep $695 annual fee.
Difficulty meeting $15,000 minimum spend for smaller businesses.
Limited high bonus categories outside of travel.

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
$189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
$695 Annual Fee.
Terms Apply.

Apply now at Capital One's secure site

BEST PREMIUM TRAVEL CREDIT CARD

Capital One Venture X Rewards Credit Card

4.5/5

Rewards Rates

2 - 10X points

Rewards Rates

10X Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel
5X 5X miles on flights booked through Capital One Travel.
2X 2 Miles per dollar on every purchase, every day

Intro Offer

75,000 miles

Annual Fee

$395

Recommended Credit

740-850

Excellent

740-850

Excellent

Why We Chose It

If you can maximize the up to $300 statement credit toward Capital One Travel, the Venture X’s annual fee effectively comes down to $95, the same annual fee pegged to the Capital One Venture Rewards Credit Card. Add in a 10,000-mile bonus every account anniversary (worth $185, according to TPG valuations) and lounge access, and the card may become the strongest option out there for a lot of travelers.

Pros

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
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.
75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary.

Cons

$395 annual fee.
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal.

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 the 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

Pros

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
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.
75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary.

Cons

$395 annual fee.
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal.

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 the 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

Pros

Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.
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.
75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening.
10,000 bonus miles every account anniversary.

Cons

$395 annual fee.
Up to $300 back in statement credit annually only applicable for bookings made through Capital One Travel portal.

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 the 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

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

BEST FOR LUXURY BENEFITS

The Platinum Card® from American Express

4.5/5

$1,600 TPG VALUATION

Rewards Rates

5X points

Rewards Rates

5X 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.
5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro Offer

Earn 80,000 points

Annual Fee

$695

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The Amex Platinum is unmatched when it comes to travel perks and benefits. If hotel elite status, lounge access and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

This card comes with a long list of benefits, including complimentary elite status with Hilton and Marriott, access to Centurion Lounges and more than $1,400 in assorted annual statement credits and so much more.
The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. 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.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Pros

This card comes with a long list of benefits, including complimentary elite status with Hilton and Marriott, access to Centurion Lounges and more than $1,400 in assorted annual statement credits and so much more.
The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. 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.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Pros

This card comes with a long list of benefits, including complimentary elite status with Hilton and Marriott, access to Centurion Lounges and more than $1,400 in assorted annual statement credits and so much more.
The current welcome offer on this card is quite lucrative. TPG values it at $1,600.
The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
The annual airline fee credit and other statement credits can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.

Earn 80,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
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.
$200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
$240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, The New York Times, and other participating providers. 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.
American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back each year on an Equinox+ subscription, or any Equinox club memberships when you pay with your Platinum Card. Enrollment required. Learn more.
$189 CLEAR® Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Card.
$695 annual fee.
Terms Apply.
See Rates & Fees

Apply now at Chase's secure site

BEST LOW-COST CARD FOR MARRIOTT

Marriott Bonvoy Boundless® Credit Card

4/5

Rewards Rates

2 - 17X points

Rewards Rates

17X Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
3X Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
2X 2X points for every $1 spent on all other purchases.

Intro Offer

Limited Time Offer! Earn 100,000 Bonus Points

Annual Fee

$95

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary.
Automatic Silver elite status with pathway to Gold.
15 elite night credits annually to help earn mid or high tier Bonvoy status.

Cons

There are better Marriott cards if you want higher tier status or no annual fee.
Doesn't make sense if you don't stay at Marriott properties.

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary.
Automatic Silver elite status with pathway to Gold.
15 elite night credits annually to help earn mid or high tier Bonvoy status.

Cons

There are better Marriott cards if you want higher tier status or no annual fee.
Doesn't make sense if you don't stay at Marriott properties.

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Pros

Annual free night certificate (up to 35,000 points) each cardmember anniversary.
Automatic Silver elite status with pathway to Gold.
15 elite night credits annually to help earn mid or high tier Bonvoy status.

Cons

There are better Marriott cards if you want higher tier status or no annual fee.
Doesn't make sense if you don't stay at Marriott properties.

Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
2X points for every $1 spent on all other purchases.
Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
No foreign transaction fees.

Apply now at Chase's secure site

BEST CARD FOR IHG

IHG® Rewards Premier Credit Card

4/5

Rewards Rates

3 - 26X points

Rewards Rates

26X Earn up to 26 points total per $1 spent when you stay at an IHG hotel.
5X Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants.
3X Earn 3 points per $1 spent on all other purchases

Intro Offer

175,000 points

Annual Fee

$99

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

The IHG® Rewards Premier Credit Card is hotel chain’s top-tier cobranded card. The card delivers strong earning rates on IHG purchases, a free anniversary award night and generous sign-up bonus.

Pros

Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member).
Points per dollar on travel, gas station, and restaurant purchases.
Up to $100 statement credit for NEXUS, Global Entry or TSA PreCheck application every 4 years.

Cons

Redemption options outside of IHG properties provide low value.
Poor transfer rates to airline partners.

Best Points Offer Ever - Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member).
Points per dollar on travel, gas station, and restaurant purchases.
Up to $100 statement credit for NEXUS, Global Entry or TSA PreCheck application every 4 years.

Cons

Redemption options outside of IHG properties provide low value.
Poor transfer rates to airline partners.

Best Points Offer Ever - Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Pros

Earn up to 26 points per dollar on IHG hotel stays (10 points as a cardholder in addition to 16 points per dollar earned as an IHG Rewards Club member).
Points per dollar on travel, gas station, and restaurant purchases.
Up to $100 statement credit for NEXUS, Global Entry or TSA PreCheck application every 4 years.

Cons

Redemption options outside of IHG properties provide low value.
Poor transfer rates to airline partners.

Best Points Offer Ever - Earn 175,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening
Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a reward night when you redeem points for a consecutive four-night IHG® hotel stay.
Earn up to 26 points total per $1 spent when you stay at an IHG hotel
Earn 5 points per $1 spent on purchases on travel, gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases
Platinum Elite status as long as you remain a Premier card member
Global Entry, TSA PreCheck® or NEXUS Statement Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
IHG Rewards bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

Apply now at American Express's secure site

Terms & restrictions apply. See rates & fees

BEST LOW-COST CARD FOR HILTON

Hilton Honors American Express Surpass® Card

3.5/5

Rewards Rates

3 - 12X points

Rewards Rates

12X Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
6X Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

Intro Offer

Earn 150,000 Points

Annual Fee

$95

Recommended Credit

670-850

Good, Excellent

670-850

Good, Excellent

Why We Chose It

The Hilton Honors Surpass Card stands out in the crowded mid-tier category of cobranded hotel credit cards. It comes with elite-like perks at a reasonable annual fee. New cardholders can earn up to a generous 130,000 Hilton Honors bonus points after you spend $2,000 in purchases on the card in the first three months of card membership.

Pros

Reasonable annual fee 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases.
Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, and select travel protections. Enrollment required for select benefits..

Cons

No travel credits.
No chart to redeem points at Hilton properties and ties you to Hilton properties.

Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.
See Rates & Fees

Pros

Reasonable annual fee 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases.
Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, and select travel protections. Enrollment required for select benefits..

Cons

No travel credits.
No chart to redeem points at Hilton properties and ties you to Hilton properties.

Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.
See Rates & Fees

Pros

Reasonable annual fee 12 points per dollar on eligible Hilton purchases; 6 points per dollar at U.S. restaurants, U.S. supermarkets and U.S. gas stations; 3 points per dollar on all other eligible purchases.
Hilton Honors Gold status with an upgrade to Diamond by spending $40,000 in a calendar year.
Solid perks including 10 Priority Pass visits a year, no foreign transaction fees, and select travel protections. Enrollment required for select benefits..

Cons

No travel credits.
No chart to redeem points at Hilton properties and ties you to Hilton properties.

Earn 150,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 04/05/2023.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
$95 annual fee.
Terms Apply.
See Rates & Fees

Apply now at Chase's secure site

BEST CARD FOR HYATT

The World of Hyatt Credit Card

4/5

Rewards Rates

2 - 9X points

Rewards Rates

9X Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2X Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Intro Offer

Earn up to 60,000 points

Annual Fee

$95

Recommended Credit

670-850

Excellent/Good

670-850

Excellent/Good

Why We Chose It

If you’re a fan of Hyatt hotels, the World of Hyatt card is one of the top choices for hotel cobranded cards. You’ll earn valuable hotel points, automatic elite status and a free night certificate every anniversary year.

Pros

Annual free night stay earned on card anniversary at any Category 1-4 Hyatt hotel or resort.
Complimentary World of Hyatt Discoverist status.
9 points per dollar spent on Hyatt hotels and resorts.
Ability to earn an additional free night award and higher elite status with certain spend threshold.

Cons

$95 annual fee.
Limited number of Hyatt hotels globally compared to other large hotel brands.

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Pros

Annual free night stay earned on card anniversary at any Category 1-4 Hyatt hotel or resort.
Complimentary World of Hyatt Discoverist status.
9 points per dollar spent on Hyatt hotels and resorts.
Ability to earn an additional free night award and higher elite status with certain spend threshold.

Cons

$95 annual fee.
Limited number of Hyatt hotels globally compared to other large hotel brands.

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Pros

Annual free night stay earned on card anniversary at any Category 1-4 Hyatt hotel or resort.
Complimentary World of Hyatt Discoverist status.
9 points per dollar spent on Hyatt hotels and resorts.
Ability to earn an additional free night award and higher elite status with certain spend threshold.

Cons

$95 annual fee.
Limited number of Hyatt hotels globally compared to other large hotel brands.

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships

Apply now at Chase's secure site

BEST FOR TRAVEL CREDITS

Chase Sapphire Reserve®

4.5/5

Rewards Rates

1 - 10X points

Rewards Rates

10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5x Earn 5x total points on flights through Chase Ultimate Rewards®.
3x Earn 3x points on other travel and dining.
1x Earn 1 point per $1 spent on all other purchases

Intro Offer

60,000 points

Annual Fee

$550

Recommended Credit

740-850

Excellent

740-850

Excellent

Why We Chose It

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, bonus points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

Access to Chase Ultimate Rewards hotel and airline travel partners.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.

Cons

Steep initial $550 annual fee.
May not make sense for people that don't travel frequently.

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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
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

Pros

Access to Chase Ultimate Rewards hotel and airline travel partners.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.

Cons

Steep initial $550 annual fee.
May not make sense for people that don't travel frequently.

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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
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

Pros

Access to Chase Ultimate Rewards hotel and airline travel partners.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.

Cons

Steep initial $550 annual fee.
May not make sense for people that don't travel frequently.

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 Ultimate Rewards®
$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 Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
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

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