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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.
Credit cards
Best metal credit cards of November 2026
UpdatedOctober 16, 2026
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for premium travel perks and digital entertainment
American Express Platinum Card®
Intro offerAs High As 175,000 points. Find Out Your Offer.
Annual fee$895
You'll earn5x
Regular APRSee Pay Over Time APR
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Metal cards are just as attractive as they are functional, which is why we have compiled a list of the best metal credit cards. Metal credit cards don’t just look and feel great; they also boast incredible rewards and premium perks. Once a status symbol of the wealthy, metal credit cards have now become popular among everyday credit cards.
Metal credit cards offer increased durability and premium perks, so these cards can be so much more than what they’re made of. Here are our top picks for the best metal credit cards from our partners.
Browse by card categories
Comparing the best metal credit cards
How we rate
At TPG, our team has spent countless hours compiling and comparing the top metal credit cards for you. We looked at welcome offers, bonus earnings, annual fees and additional benefits in order to choose the best metal credit cards for different types of consumers. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonus
We included metal cards with varying welcome bonuses for those who want to earn points or miles.
Annual fee
We opted to include several metal cards with a wide range of annual fees for every type of spender and budget.
Earning rates
The best metal cards on this list feature excellent earnings in key categories so there's a good option for everyone.
Redemption options
Whether you want to redeem miles for travel or points for other types of purchases, our picks offer several ways to redeem.
Added benefits
The cards we chose offer several benefits that you can utilize at home and abroad, making them great for everyday spending.
How to choose the best metal credit card
Choosing the best metal credit card means opting for a card that offers the ability to earn a solid sign-up bonus, provides travel insurance and protections — as many metal cards offer premium perks in this area — and is generally a good fit for the type of spending you do. After you sort through those logistics, you get to choose from several beautifully designed picks.
Here are some of the main points to consider when choosing a metal credit card:
1
Sign-up bonus
Think about how much you typically spend month-to-month and whether or not your budget will allow you to meet the minimum spend requirement in order to earn the sign-up bonus.
2
Annual fee
Most metal cards come with an annual fee. When you're choosing the best one for your specific needs, think about what categories you can earn rewards in and if the earning potential of a card outweighs its annual fee.
3
Bonus categories
Metal cards offer differing categories in which you can earn points, miles or cash back. Choose the card that offers the highest number of bonus categories you usually spend money in frequently.
Searching for your next card? Get card offers in less than 60 seconds with CardMatch™
Metal credit cards can be sturdier than their plastic counterparts.
Most metal credit cards include premium perks and travel benefits.
You can add many metal cards to your mobile wallet if you don’t want to carry them around.
Cons
Metal cards are hardy to dispose of when you cancel them or they expire, since they won’t go in a shredder.
So many issuers use metal cards these days that it’s no longer as “special” as it once was.
Some heftier metal cards may not work at automatic card payment terminals — like some train stations or parking garages.
Frequently asked questions
How do you get metal credit cards?
Many credit card issuers have metal credit cards, including some with low annual fees and most premium cards. In order to get a metal credit card, you have to apply for a new card and get approved.
Why are some credit cards metal?
There is no official reason for card issuers to make their credit cards metal, though these cards can be more durable than their plastic counterparts, and some travelers like the heft of them. Metal credit cards are typically designed for consumers with higher spending and include premium perks and benefits, though some have reasonable annual fees.
How do you destroy a metal credit card?
The best way to dispose of your metal credit card is to mail it back to the card issuer. Most card issuers recommend this method. Don’t use a normal shredder like you would with plastic cards, as this could ruin the machine.
Are metal credit cards more secure?
Metal credit cards have the same safety features as plastic credit cards. There is no difference in terms of security between metal and plastic cards.
“I always love dropping my heavy, rose-toned Amex Gold down on the table when I’m splitting a happy hour bill with friends. It turns heads with its weight and pink shimmer, and earning 4 Membership Rewards points per dollar spent at restaurants makes it my go-to.”
“There’s something really satisfying about pulling a metal card out of your wallet and tapping it to make a purchase. The Chase Sapphire Reserve is beautiful and has some heft behind it that makes it durable, too. And while the card’s aesthetics are nice, the benefits it offers are unbeatable.”
“It’s always something special when you see someone fidgeting with a dense metal card when making a purchase. The new mirror version offers a slate hue that will turn heads long before the sound of the metal clinking. Add that onto the card’s impressive perks, and it's unbeatable”.
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
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.
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.
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.
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.
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.
The Capital One Venture X is a luxury travel credit card with many premium perks but a fair annual fee of $395. In addition, it earns transferable miles and offers at least 2 miles per dollar on every purchase. Read our full review of the Capital One Venture X.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
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
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
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.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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.
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
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.
Limited-Time Offer
Best for United Club access
United Club℠ Card
TPG editor's rating
Best for Ritz-Carlton enthusiasts
The Ritz-Carlton™ Credit Card
TPG editor's rating4
TPG editor's rating
Why we chose it
The Ritz-Carlton Rewards® Credit Card* makes sense for Ritz loyalists who frequent the upscale hotel chain. The myriad perks of card membership — like an annual free night award and complimentary Marriott Bonvoy elite status — help offset the $450 annual fee.
Pros + cons
Pros
Annual free night award
Offers lounge access
Features a $300 annual travel credit
More details
6X Points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
3X Points for every $1 spent on dining, car rentals and airline purchases
2X Points for every $1 spent on all other purchases
More Points Faster when you add family or friends as authorized users
6X Points when you pay for your stay with your Ritz-Carlton™ Credit Card
Up To 10X Points from Marriott for being a Marriott Bonvoy member
Why we chose it
The Ritz-Carlton Rewards® Credit Card* makes sense for Ritz loyalists who frequent the upscale hotel chain. The myriad perks of card membership — like an annual free night award and complimentary Marriott Bonvoy elite status — help offset the $450 annual fee.
View more
Best for Ritz-Carlton enthusiasts
The Ritz-Carlton™ Credit Card
TPG editor's rating
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.
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.
6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®.
3X
3X points for every $1 spent on dining, car rentals and airline purchases.
2X
2X points for every $1 spent on all other purchases.
Annual fee
$450
Regular APR
(See terms)
Recommended credit
Excellent Credit
Pros
Annual free night award
Offers lounge access
Features a $300 annual travel credit
6X Points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
3X Points for every $1 spent on dining, car rentals and airline purchases
2X Points for every $1 spent on all other purchases
More Points Faster when you add family or friends as authorized users
6X Points when you pay for your stay with your Ritz-Carlton™ Credit Card
Up To 10X Points from Marriott for being a Marriott Bonvoy member
Why we chose it
The Ritz-Carlton Rewards® Credit Card* makes sense for Ritz loyalists who frequent the upscale hotel chain. The myriad perks of card membership — like an annual free night award and complimentary Marriott Bonvoy elite status — help offset the $450 annual fee.
Pros + cons
Pros
Annual free night award
Offers lounge access
Features a $300 annual travel credit
More details
6X Points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
3X Points for every $1 spent on dining, car rentals and airline purchases
2X Points for every $1 spent on all other purchases
More Points Faster when you add family or friends as authorized users
6X Points when you pay for your stay with your Ritz-Carlton™ Credit Card
Up To 10X Points from Marriott for being a Marriott Bonvoy member
Why we chose it
The Ritz-Carlton Rewards® Credit Card* makes sense for Ritz loyalists who frequent the upscale hotel chain. The myriad perks of card membership — like an annual free night award and complimentary Marriott Bonvoy elite status — help offset the $450 annual fee.
Pros
Annual free night award
Offers lounge access
Features a $300 annual travel credit
6X Points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
3X Points for every $1 spent on dining, car rentals and airline purchases
2X Points for every $1 spent on all other purchases
More Points Faster when you add family or friends as authorized users
6X Points when you pay for your stay with your Ritz-Carlton™ Credit Card
Up To 10X Points from Marriott for being a Marriott Bonvoy member
The Ritz-Carlton Rewards® Credit Card* makes sense for Ritz loyalists who frequent the upscale hotel chain. The myriad perks of card membership — like an annual free night award and complimentary Marriott Bonvoy elite status — help offset the $450 annual fee.
Pros + cons
Pros
Annual free night award
Offers lounge access
Features a $300 annual travel credit
More details
6X Points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy®
3X Points for every $1 spent on dining, car rentals and airline purchases
2X Points for every $1 spent on all other purchases
More Points Faster when you add family or friends as authorized users
6X Points when you pay for your stay with your Ritz-Carlton™ Credit Card
Up To 10X Points from Marriott for being a Marriott Bonvoy member
4.5
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
10 Miles
10 Miles per dollar on hotels and rental cars booked through Capital One Travel
5 Miles
5 Miles per dollar on flights and vacation rentals booked through Capital One Travel
2 Miles
2 Miles per dollar on every purchase, every day
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Why we chose it
The Capital One Venture X is a luxury travel credit card with many premium perks but a fair annual fee of $395. In addition, it earns transferable miles and offers at least 2 miles per dollar on every purchase. Read our full review of the Capital One Venture X.
View more
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
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
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Why we chose it
The Capital One Venture X is a luxury travel credit card with many premium perks but a fair annual fee of $395. In addition, it earns transferable miles and offers at least 2 miles per dollar on every purchase. Read our full review of the Capital One Venture X.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
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
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
Why we chose it
The Capital One Venture X is a luxury travel credit card with many premium perks but a fair annual fee of $395. In addition, it earns transferable miles and offers at least 2 miles per dollar on every purchase. Read our full review of the Capital One Venture X.
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
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
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
at Capital One's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn 75,000 bonus miles
Annual fee
$395
Regular APR
19.74% - 28.74% (Variable)
Recommended credit
740-850
Excellent
Why we chose it
The Capital One Venture X is a luxury travel credit card with many premium perks but a fair annual fee of $395. In addition, it earns transferable miles and offers at least 2 miles per dollar on every purchase. Read our full review of the Capital One Venture X.
Pros + cons
Pros
$300 in annual credits toward bookings made through Capital One Travel
10,000 bonus miles each account anniversary
Cons
If you don’t travel frequently, this might not be the best card for you
More details
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 a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip 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 and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
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
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Top rated mobile app
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
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.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
View more
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
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.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
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.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
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 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Why we chose it
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants worldwide (on the first $50,000 in purchases per calendar year; then 1 point per dollar) and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining statement credit, plus up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account and you can redeem with any Amex card. All this makes it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our full review of the American Express Gold Card.
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
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.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
8x
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
740-850
Excellent
$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.
$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 + 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.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
100,000 bonus points.
Annual fee
$795
Regular APR
19.74% - 28.24% Variable
Recommended credit
740-850
Excellent
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
4.5
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
5x
Earn 5x on travel purchased through Chase Travel℠.
3x
Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs).
2x
Earn 2x on all other travel purchases.
1x
Earn 1x on all other purchases.
Intro offer
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one 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.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
View more
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one 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.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one 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.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one 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.
Transfer points to leading airline and hotel loyalty programs.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
75,000 bonus points.
Annual fee
$95
Regular APR
19.49% - 27.74% Variable
Recommended credit
670-850
Excellent/Good
Why we chose it
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Pros + cons
Pros
Earn elevated rewards in popular categories, including travel, dining, gas, EV charging and vacation home stays
Premium travel protection benefits include trip cancellation/interruption insurance, primary car rental insurance and lost luggage insurance
Versatile airline and hotel transfer partners
Features up to $100 in annual hotel credits through Chase Travel℠
Cons
Has an annual fee
No airport lounge access
Transfers to Hyatt at a lower rate than other Sapphire cards
More details
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, 3x on vacation homes at top brands, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases.
Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel℠.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Emergency Evacuation and Transportation, and more.
Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $180.
Complimentary DashPass membership, a $120 value for 12 months. Enjoy $0 delivery fees and reduced service fees on eligible DoorDash orders, plus exclusive Chase savings on grocery, everyday essentials, and more. Activate by 12/31/29.
Receive one 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.
Transfer points to leading airline and hotel loyalty programs.
Member FDIC
3.5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
3X
Earn 3X Miles on Delta purchases.
1X
Earn 1X Miles on all other eligible purchases.
Intro offer
Earn 2 Delta Comfort Flight Certificates + 50K Miles
Annual fee
$650
Regular APR
19.74%-28.74% Variable
Recommended credit
Excellent to Good
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.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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.
$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.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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.
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
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
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of the Delta SkyMiles Reserve card.
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.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
3X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com or the Amex Travel App™ using your Business Gold Card.*
1X
Earn 1X on all other eligible purchases.
Intro offer
As High As 200,000 points. Find Out Your Offer.
Annual fee
$375
Regular APR
17.99% - 28.74% Variable
Recommended credit
Excellent to Good
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
View more
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
As High As 200,000 points. Find Out Your Offer.
Annual fee
$375
Regular APR
17.99% - 28.74% Variable
Recommended credit
Excellent to Good
Why we chose it
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our full review of the American Express Business Gold Card.
Pros + cons
Pros
Earn 4 Membership Rewards points per dollar spent in the top two spend categories each billing cycle (on the first $150,000 in combined purchases each calendar year, then 1 point per dollar spent thereafter)
This card comes with a solid welcome offer
Up to $12.95 monthly Walmart+ statement credit (plus applicable taxes and fees; subject to auto renewal; plus ups not eligible; enrollment required)
Monthly up to $20 flexible business statement credit (enrollment required)
Cons
$375 annual fee
There may be better options for small businesses who don't spend a lot
More details
As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards® Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.
Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.
Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.
Get up to a $12.95¹ statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. ¹Up to $12.95 plus applicable taxes on one membership fee.
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
Terms Apply
3
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
11x
Earn 11x total miles on eligible United flights.
5x
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
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
Why we chose it
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
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.
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
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
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
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
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.
at Chase's secure site. Terms & restrictions apply. See rates & fees.
Intro offer
Earn up to 100,000 miles
Annual fee
$695
Regular APR
19.99% - 28.49% Variable
Recommended credit
Excellent Credit
Why we chose it
Only the United Club Card grants you complimentary United Club lounge membership, worth up to $750 per year. Although this card comes with a steep $695 annual fee, the lounge benefit alone can more than cover this annual cost. Not to mention the other ongoing perks of this card, from two free checked bags and up to $120 statement credit for Global Entry or TSA Precheck. For frequent United flyers, this card can provide tons of value each year. Read our full review of the United Club Card.
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.
Gabrielle Bernardini is the senior points and miles editor at TPG. Joining the team in 2023, she focuses on helping people utilize their credit card rewards to travel for less.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Compliance associate Paige Balcom joined TPG in 2022 and has spent her time working in the credit card industry reviewing content across sites such as CNET, CreditCards.com and Bankrate. She has used her knowledge to train new writers and other compliance members on the intricacies of compliance across multiple brands and partners.
American Express® Gold Card
Chase Sapphire Reserve®
