The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Advertiser disclosure
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The best credit cards for airline lounge access
Advertisement: Partner compensation may impact how or where our card products appear, but does not impact our editorial opinions and reviews. Learn more here.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 lodging credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
Best for premium travel perks and digital entertainment
American Express Platinum Card®
TPG editor's rating
Limited-Time Offer
Best for United Club access
United Club℠ Card
TPG editor's rating
Offer Ends Soon
Best for American Airlines lounge access
Citi® / AAdvantage® Executive World Legend Mastercard®
TPG editor's rating
Offer Ending Soon
Best for Sky Club access
Delta SkyMiles® Reserve American Express Card
TPG editor's rating
Best for Priority Pass lounges and restaurants
Chase Sapphire Reserve®
TPG editor's rating
4.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5X
Earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
View more
Pros
No foreign transaction fees
Up to $600 lodging credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 lodging credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros
No foreign transaction fees
Up to $600 lodging credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 175,000 points. Find Out Your Offer.
Annual fee
$895
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
Why we chose it
The American Express Platinum Card® has a high annual fee but remains one of the best cards on the market for those who prioritize premium travel experiences. A combination of updated and new statement credits makes the refreshed Amex Platinum an ideal card for frequent travelers and digital entertainment enthusiasts alike.
Pros + cons
Pros
No foreign transaction fees
Up to $600 lodging credit (disbursed as up to $300 in statement credits semiannually)
Up to $300 digital entertainment credit (disbursed as up to $25 in statement credits per month; enrollment required)
Earns transferable Membership Rewards points
Cons
$895 annual fee
More details
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay. Effective January 1, 2027, Fine Hotels + Resorts® bookings will require a minimum two-night stay to be eligible for the $600 Hotel Credit.
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection, over $850 of annual value, with access to Centurion Lounges, 10 Delta Sky Club visits when flying on an eligible Delta flight, Priority Pass membership (enrollment required), and other select partner lounges. *As of 08/2026.
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S. when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
$400 Resy Credit + Platinum Nights™ by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card® to pay for eligible purchases with Resy, including dining purchases at over 10,000 qualifying U.S. Resy restaurants. Enrollment required. As a Platinum Card® Member you have special access to reservations on select nights at participating sought after Resy restaurants through Platinum Nights™ by Resy. Simply add your Platinum Card® to your Resy profile to book your reservation.
$219 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 60+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $219 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to The Platinum Card® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Whatever the occasion, choose from our two signature collections of premium hotels, curated to inspire and excite you when you book through Amex Travel™: Fine Hotels + Resorts® is a collection of over 1,900 luxury hotels that are destinations unto themselves and the Hotel Collection includes over 1,400 upscale hotels in desirable destinations.
$300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Get up to a $12.95* statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Platinum Card®. *Up to $12.95 plus applicable taxes on one membership fee.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Earn 5x miles on all other eligible United® purchases.
2x
Earn 2x miles on dining and all other travel.
1x
Earn 1x mile on all other purchases.
Intro offer
Earn up to 100,000 miles
Annual fee
$695
Regular APR
19.99% - 28.49% Variable
Recommended credit
Why we chose it
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags, and even a Global Entry or TSA PreCheck application fee credit worth up to $120 once every four years.
Pros + cons
Pros
Earn 5 miles per dollar spent on eligible United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
Up to $120 statement credit for Global Entry/TSA Precheck application every four years
Free first and second checked bags for you and one travel companion on the same reservation
25% inflight statement credit on eligible purchases
Cons
High $695 annual fee
More details
Earn up to 100,000 bonus miles
11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Unlimited United ClubSM access for you and a guest - a $750+ value per year
Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
Earn up to 20,000-miles in award flight discounts annually
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC
Why we chose it
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags, and even a Global Entry or TSA PreCheck application fee credit worth up to $120 once every four years.
View more
Pros
Earn 5 miles per dollar spent on eligible United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
Up to $120 statement credit for Global Entry/TSA Precheck application every four years
Free first and second checked bags for you and one travel companion on the same reservation
25% inflight statement credit on eligible purchases
Cons
High $695 annual fee
Earn up to 100,000 bonus miles
11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Unlimited United ClubSM access for you and a guest - a $750+ value per year
Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
Why we chose it
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags, and even a Global Entry or TSA PreCheck application fee credit worth up to $120 once every four years.
Pros + cons
Pros
Earn 5 miles per dollar spent on eligible United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
Up to $120 statement credit for Global Entry/TSA Precheck application every four years
Free first and second checked bags for you and one travel companion on the same reservation
25% inflight statement credit on eligible purchases
Cons
High $695 annual fee
More details
Earn up to 100,000 bonus miles
11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Unlimited United ClubSM access for you and a guest - a $750+ value per year
Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
Earn up to 20,000-miles in award flight discounts annually
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC
Why we chose it
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags, and even a Global Entry or TSA PreCheck application fee credit worth up to $120 once every four years.
Pros
Earn 5 miles per dollar spent on eligible United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
Up to $120 statement credit for Global Entry/TSA Precheck application every four years
Free first and second checked bags for you and one travel companion on the same reservation
25% inflight statement credit on eligible purchases
Cons
High $695 annual fee
Earn up to 100,000 bonus miles
11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Unlimited United ClubSM access for you and a guest - a $750+ value per year
Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
Earn up to 20,000-miles in award flight discounts annually
Save 10% or more when booking flights with miles. Premier members save even more.
The United Club Card might charge a high annual fee, but it comes with the premium perks to match. Chief among them is United Club membership, which includes access to the airline’s airport lounges as well as those of some of its Star Alliance partners. But cardmembers can also count on other day-of-travel perks such as Premier Access for priority service at the airport, free checked bags, and even a Global Entry or TSA PreCheck application fee credit worth up to $120 once every four years.
Pros + cons
Pros
Earn 5 miles per dollar spent on eligible United purchases; 2 miles per dollar spent on travel and dining; 1 mile per dollar spent on everything else
United Club membership for you and your eligible travel companions at all United Club locations and participating Star Alliance lounges worldwide
Up to $120 statement credit for Global Entry/TSA Precheck application every four years
Free first and second checked bags for you and one travel companion on the same reservation
25% inflight statement credit on eligible purchases
Cons
High $695 annual fee
More details
Earn up to 100,000 bonus miles
11x total miles on eligible United flights and 5x miles on all other eligible United® purchases
2x miles on dining and all other travel
1x mile on all other purchases
Unlimited United ClubSM access for you and a guest - a $750+ value per year
Free first and second checked bags - a savings of up to $440 per roundtrip (terms apply) - and Premier Access® travel services.
Earn up to 20,000-miles in award flight discounts annually
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
1X
1 AAdvantage® miles for every $1 spent on other purchases
Intro offer
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
Annual fee
$695
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
670-850
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
View more
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Offer Ends Soon
Best for American Airlines lounge access
Citi® / AAdvantage® Executive World Legend Mastercard®
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles
Annual fee
$695
Regular APR
19.74% - 29.74% (Variable)
Recommended credit
670-850
Excellent, Good
Why we chose it
The Citi / AAdvantage Executive World Legend Mastercard is the only credit card that includes an American Airlines Admirals Club membership, making it a compelling option for frequent AA flyers. Beyond lounge access, the primary cardmember can receive up to $500 in annual American Airlines Vacations credits, complimentary Omni Hotels & Resorts Champion Status and up to $100 in annual credits for eligible inflight and Admirals Club purchases. The card also offers priority airport benefits, a first checked bag free on eligible domestic itineraries and other travel perks. (Partner offer)
Pros + cons
Pros
Admirals Club membership
Annual American Airlines Vacations credit
Complimentary Avis President’s Club Status and Omni Hotels & Resorts Champion Status
Earn bonus Loyalty Points toward AAdvantage elite status
Free checked bag and priority airport benefits on eligible American Airlines itineraries
Annual credits for eligible inflight and Admirals Club purchases
Cons
Has a large annual fee
Statement credits may be difficult to maximize if you don't regularly use the eligible services
Authorized user fee
More details
For a limited time, earn 125,000 American Airlines AAdvantage® bonus miles after $15,000 in purchases in the first 5 months of account opening.
The only card with Admirals Club® membership. Membership includes access for you and up to two guests or immediate family members traveling with you.
Global Entry® or TSA PreCheck® application fee credit of up to $120 every 4 years.
Earn a 10,000 Loyalty Point bonus after reaching 50,000, 90,000, 165,000 and 240,000 Loyalty Points in the same status qualification year.
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
Earn 2 Delta Comfort Flight Certificates + 50K Miles
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
This card’s most exciting perk is access to Delta’s relaxing Sky Clubs and Amex’s swanky Centurion Lounges when flying Delta. If you’re hoping to reach Medallion status, this card can be a tremendous asset in your wallet, too. Cardmembers also earn 1 Medallion Qualification Dollar (MQD) for every $10 spent on the card each year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express 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.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
This card’s most exciting perk is access to Delta’s relaxing Sky Clubs and Amex’s swanky Centurion Lounges when flying Delta. If you’re hoping to reach Medallion status, this card can be a tremendous asset in your wallet, too. Cardmembers also earn 1 Medallion Qualification Dollar (MQD) for every $10 spent on the card each year.
View more
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
Why we chose it
This card’s most exciting perk is access to Delta’s relaxing Sky Clubs and Amex’s swanky Centurion Lounges when flying Delta. If you’re hoping to reach Medallion status, this card can be a tremendous asset in your wallet, too. Cardmembers also earn 1 Medallion Qualification Dollar (MQD) for every $10 spent on the card each year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express 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.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
This card’s most exciting perk is access to Delta’s relaxing Sky Clubs and Amex’s swanky Centurion Lounges when flying Delta. If you’re hoping to reach Medallion status, this card can be a tremendous asset in your wallet, too. Cardmembers also earn 1 Medallion Qualification Dollar (MQD) for every $10 spent on the card each year.
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express 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.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Earn 2 Delta Comfort Flight Certificates + 50K Miles
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
This card’s most exciting perk is access to Delta’s relaxing Sky Clubs and Amex’s swanky Centurion Lounges when flying Delta. If you’re hoping to reach Medallion status, this card can be a tremendous asset in your wallet, too. Cardmembers also earn 1 Medallion Qualification Dollar (MQD) for every $10 spent on the card each year.
Pros + cons
Pros
Delta SkyClub access when flying Delta
Annual companion ticket for travel on Delta (upon renewal)
Ability to earn MQDs through spending
Various statement credits for eligible purchases
Cons
Steep annual fee of $650
Other Delta cobranded cards offer superior earning categories
More details
Earn two round‑trip Delta Comfort Flight Certificates valid for travel to the U.S. 48, Puerto Rico, or the U.S. Virgin Islands, along with 50,000 Bonus Miles after you spend $10,000 in purchases on your new Card in the first 6 months. A 21+ day advance purchase is required. Taxes and fees up to $80 per person apply. Terms and other restrictions apply. Offer ends 11/4/2026.
Delta SkyMiles® Reserve American Express Card Members receive 15 Visits each Medallion® Year to the Delta Sky Club® when flying Delta and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card during a calendar year. Reserve Card Members can also enjoy complimentary access to The Centurion® Lounge and Escape Lounges when you book your Delta flight with your Delta SkyMiles® Reserve American Express Card.
Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠.
4x
Earn 4x points on flights and hotels booked direct.
3x
Earn 3x points on dining worldwide.
1x
Earn 1x points on all other purchases.
Intro offer
100,000 bonus points.
Annual fee
$795
Regular APR
19.74% - 28.24% Variable
Recommended credit
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
View more
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC
Why we chose it
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $3,000 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros + cons
Pros
Automatic $300 annual travel credit each account anniversary year
Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
Over $3,000 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
$300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
Access to Chase’s 13 hotel and airline travel partners
No foreign transaction fee
Cons
Steep $795 annual fee, plus a $195 fee per authorized user
Some credits are split biannually, requiring careful tracking to maximize value
Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
More details
Earn 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get $3,000 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases.
Excellent Credit
Earn up to 20,000-miles in award flight discounts annually
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC
Save 10% or more when booking flights with miles. Premier members save even more.
Member FDIC
Excellent, Good
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express 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.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$240 Resy Credit: Get up to $20 in statement credits each month at over 10,000 qualifying U.S. Resy restaurants after you pay with your enrolled Delta SkyMiles® Reserve American Express Card for eligible purchases.
Global Dining Access by Resy gives you special access to sought-after U.S. Resy restaurants when you add your Delta SkyMiles® Reserve American Express Card to your Resy profile. Access to exclusive reservations, premium dining experiences, Priority Notify, and more, all from Resy.com or the Resy app.
$120 Rideshare Credit: With your $120 Rideshare Credit, earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card for U.S. rideshare purchases with select providers. Enrollment Required.
Check your first bag for free on Delta flights worldwide and get a second bag free when flying domestically.
Delta SkyMiles® Reserve American Express 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.
With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
Member FDIC
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, a statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
Get up to $150 in statement credits from January through June and again from July through December for a maximum of $300 annually when you dine at restaurants part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary subscriptions to Apple TV and Apple Music for a minimum of one year when activated by June 22, 2027, a value of $324 annually.
