Skip to content

What is the best premium credit card

6% CASH RETURN at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
3% CASH RETURN at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
The Stratus Rewards Visa Card tries to differentiate itself from other elite cards, even down to its color.
SINCE I HAVE have the Chase Sapphire Reserve, I actually only use this card if I’m trying to earn an AMEX shopping offer or even to earn the annual $300 credit.

Airport Lounge Access with Priority Pass Select – don’t count on gaining admittance in to the luxurious Delta Sky Club or American Express lounge collection.
The Priority Pass app will show you what clubs you can aquire into at each airport.
I’ve found that the clubs on this list are much better abroad, like Europe, than in the US.
What is the benefit of booking through this collection or program?
If you book through the program’s website, you’ll receive perks just like a $100 spa credit, free breakfast, room upgrades, etc.
A number of of the cards you chose to compare aren’t serviced in English.
To safeguard your identity, please do not submit personal or account information.

Furthermore, the credit posts very quickly, while other cards need you to wait an entire statement period or even force one to call and have customer support manually issue you a credit.
Is the former bank cards editor at The Points Guy where he managed charge card content along with other points and miles features.
When he’s not dissecting credit card products, Juan is maximizing his points and miles for premium travel with his family.
Just as reduced credit card could be worth it for one person but not seem sensible for another, the best premium credit card depends very much on the person.

  • What gets a Stratus Rewards Visa Card into your wallet is unknown.
  • Other programs are the Centurion Hotel Program, for booking, upgrades, and on-property credits, and the Centurion Dining Program, for hard-to-get tables at exclusive restaurants and private wine tastings and tours.
  • If you don’t have credit cards, look for cards aimed at consumers in your situation.
  • But the American Express® Gold Card puts food first, with a variety of perks to entice your taste buds.

It’s not particularly surprising, then, when banks introduce their premium credit cards with names like ‘gold,’ ‘platinum,’ and ‘obsidian,’ and metal cards with a luxurious heft.
Include statement credits through AMEX shopping offers and you can “earn” even more.
Here is the ONLY REASON I keep the AMEX platinum premium credit card in my own wallet.
And receive $300 in annual travel credits and complimentary airport lounge access.

Best For Dining & Entertainment

If you opt out, though, you might still receive generic advertising.
In addition, financial advisors/Client Managers may continue steadily to use information collected online to provide product and service information in accordance with account agreements.
The American Express Business Platinum Card® may be the business version of the consumer Amex Platinum card.
It’s similar in a lot of ways, with some differences that could make it more effective for small business owners.

That gets you 100% bonus base points on Hilton stays, free breakfast and upgrades up to a suite .
You’ll also get yourself a free weekend night award every year and you will earn another weekend night award in the event that you spend $60,000+ on the card in a calendar year.
The Regions Relationship Rewards program enables you to earn points for qualifying purchases on a Regions Prestige or Premium credit card.
APRs on bank cards with Relationship Rewards could be higher than those without these rewards.
Additional points on entertainment, dining, gas and grocery store purchases are awarded based on the merchant category code assigned to the merchant where you made the purchase.

Cash Back Credit Cards

How much your credit that you use impacts your credit history.
If the total amount is $500, that could put your credit utilization ratio at 50%.
Earn 3% cash back in the group of your choice, 2% at food markets and wholesale clubs (around $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on other purchases.
3% cash return in the category of your choice, 2% at food markets and wholesale clubs (around $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on other purchases.
Enjoy benefits for instance a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
Whether you intend to earn airline miles, get cash back, build credit, or another thing — there’s a great card on the market for everyone.
Cardholders have access to a

  • [newline]The card also includes important Pass Select membership, which gets you or more to two guests access to 1,200+ airport lounges.
  • This is when you need to ask if access to AMEX airport lounges, like the highly coveted AMEX Centurion lounge collection, is worth $286 (if you don’t make use of the other benefits).
  • If lounge access is really a top priority during your travels, then a premium card that offers lounge access is the way to go.
  • The Amex Platinum gives you the most flexibility, and to be able to bring two guests free of charge to most lounges is a huge perk .
  • Other cards may also offer specific types of rewards that vary for every card.
  • While those that rarely dine out or get take-out will probably fare better with a card that offers elevated rewards on groceries instead of dining.

If you say “yes” to visit but “no” to annual fees, the Capital One VentureOne Rewards Credit Card might be the card you need to take on your next trip.
With this particular card, every purchase puts you nearer to rewards-funded travel.
Your rewards don’t expire for the life of the account and there are lots of redemption options, including statement credits, checks, gift cards and more.
Discover offers a amount of consumer-friendly card terms, including no annual fee no foreign transaction fees. is an independent, advertising-supported publisher and comparison service.

Discover It® Secured Credit Card

You can earn more rewards with other flat-rate or bonus category cash back credit cards.
This card is a superb option for financing large purchases using its 0 percent intro APR on purchases and transfers of balance for the first 15 months (then 19.24 percent to 29.24 percent variable APR).
There is a 3 percent fee on the amounts transferred within the first 15 months.

While other premium bank cards may have higher points multipliers on select spending categories, the Sapphire Reserve sticks out for offering one of the most valuable redemption options.
Each of your Chase Ultimate Rewards points out of this card will probably be worth 1.5 cents toward travel booked through the Chase Travel Portal.
Paying hundreds of dollars for reduced credit card won’t seem sensible for everyone, but in the event that you make the most of enough benefits, it really is well worth the amount of money.