Best premium credit cards for luxury perks of December 2024

The Bonus: Earn 75,000 bonus miles once you spend $4,000 on purchases within the first three months from account opening. Additionally, enjoy 10,000 bonus miles every year, starting on your first account anniversary.

Annual Fee: AnnualFees

The Rewards: Earn 10X miles on hotels and rental cars booked through Capital One Travel, 5X miles on flights and vacation rentals booked through Capital One Travel, and 2X miles on all other purchases.

Luxury Perks: Receive $300 annual credit for bookings made through Capital One Travel; enjoy complimentary access to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network; receive up to a $120 credit to cover your Global Entry or TSA PreCheck application fee; and, when you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. This is only a taste of what this card has to offer!

PROS:

• For a luxury card, the annual fee actually isn't horrible - especially considering all the perks that come with the card. If you've been wanting to dip your toe into the luxury credit card market, but have been afraid to commit to a large annual fee, this card may be a good place to start.

CONS:

• The rewards offering is great, but to really get the most value out of earning rewards, you'll need to book your trips through Capital One Travel. If you prefer to book travel on third-party sites, like Expedia, you may not find this card as rewarding.
• The annual fee for this card isn't too daunting for a luxury credit card, but still, you should consider if you'll utilize the card's perks enough to offset the annual fee before you make any final decisions.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

The Bonus: Earn 60,000 bonus points after you spend $4,000 with your card in the first three months from account opening. Your points are worth 50% more when redeemed for travel through Chase Travel, making the bonus alone worth $900 towards travel.

Annual Fee: AnnualFees; $75 for each additional authorized user

The Rewards: Book through Chase Travel to earn five points on flights and 10 points on car rentals and hotels (after earning your annual $300 travel reimbursement). Three points per $1 on worldwide dining and on your other travel, from airfare and hotels to taxis and trains, after you reach the $300 travel reimbursement each year; three points on dining worldwide; and one point on all other purchases.

Luxury Perks: Up to a $120 credit for Global Entry or TSA PreCheck application fee; access to 1,300-plus airport lounges worldwide after a one-time enrollment in Priority Pass Select; special car rental privileges from National Car Rental, Avis and Silvercar; special benefits during your stay with the Luxury Hotel and Resort Collection; and access to a Visa Infinite Concierge who can help with things like dinner reservations or Broadway, music, and sporting event ticket bookings.

PROS:

• With this card, you’ll earn three points for each $1 you spend on airline purchases and other travel related expenses, after the $300 annual reimbursement for travel charges. You'll also earn three points per $1 on dining. Plus, there's extra earning possible on some travel booked through Chase Travel.
• Other valuable benefits include up to a $120 Global Entry or TSA PreCheck application fee credit and airport lounge access which can make traveling more comfortable and is covered by the card.
• This card offers new cardholders a bonus of 60,000 bonus points after your spend $4,000 with the card in the first three months of account opening. Plus, if you redeem your points through Chase Travel, they’re worth 50% more, so that bonus could be worth $900.

CONS:

• This card has a AnnualFees annual fee, which can get costly if you aren’t getting enough out of the travel benefits and rewards program.
• Although this is a popular premium travel card, some of the rewards might be valued lower than those offered by cards with similarly high annual fees. A lot of this depends on how you like to use your rewards. If redeeming rewards through Chase Travel, this value is hard to beat.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Welcome Offer: Limited time offer: Earn 60,000 points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership.

Annual Fee: AnnualFees

The Rewards: Earn 4X points per $1 spent on purchases at restaurants worldwide (on up to $50,000 in purchases per calendar year), then 1X points; 4X points per $1 spent at US supermarkets (on up to $25,000 in purchases per calendar year) then 1X points; 3X points per $1 spent on flights booked directly with airlines or on AmexTravel.com; 2X points per $1 spent on prepaid hotels and other eligible purchases booked on AmexTravel.com; and 1X point per $1 spent on all other eligible purchases. Additionally, you can earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).

Luxury Perks: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit. Plus other elite shopping and travel benefits.

PROS:

• You can earn 4X Membership Rewards points at restaurants worldwide and at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X). You can also earn 3X points on flights you book directly with airlines or on amextravel.com.
• For a limited time, new cardholders can earn a welcome bonus of 60,000 points after you spend $6,000 on eligible purchases on your new card in your first six months of card membership.
• Earn up to $10 in statement credits monthly when you pay with your card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys (enrollment required).

CONS:

• This card has a much smaller annual fee of AnnualFees but it’s still higher than the annual fees you’ll find on many other cards, some that offer excellent restaurant and supermarket rewards. You’ll need to calculate your spending in the bonus categories as well as the benefits the card offers to determine if it will be worth it to you.
• Unlike typical credit cards, this card allows you to carry a balance with interest for certain charges, but not all. There is a "Pay Over Time" option for some purchases, but you should still think of this card as one you'll need to pay off in full every month. That could be considered a pro if you need that kind of restriction to keep you paying off your card regularly.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

The Bonus: Earn 95,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership.

Annual Fee: AnnualFees

The Rewards: Earn 6X Bonvoy points for each dollar you spend on eligible purchases at participating Marriott Bonvoy hotels; 3X points when you eat at restaurants worldwide or book a flight directly with airlines; and 2X points on other eligible purchases.

Luxury Perks: Each calendar year, get up to $300 (up to $25 per month) in statement credits for eligible purchases made on the Marriott Bonvoy Brilliant American Express card at restaurants worldwide. Additionally, enjoy a Free Night Award for a participating hotel (up to 85,000 Bonvoy Points) each year after your card renewal month; up to $100 Marriott Bonvoy property credit when you book a two-night minimum stay at The Ritz-Carlton or St. Regis to cover qualifying charges; access to Priority Pass Select airport lounges around the globe; a statement credit of up to $120 for your Global Entry, or up to $85 for your TSA PreCheck, application fee; and a number of other premium travel benefits. Enrollment required for select benefits.

PROS:

• If you’re a fan of Marriott hotels – or any of the hotels that participate in the Marriott Bonvoy program, including Starwood and Ritz-Carlton properties – this card can help you earn rewards for free night stays as well as gain you access to a number of premium travel benefits.
• There are so many premium travel benefits offered with this card that the annual fee almost becomes an afterthought. If you take advantage of the numerous perks this card offers, you should have no trouble offsetting its annual fee.
• Don't overlook the welcome bonus offer. Earn 95,000 Marriott Bonvoy bonus points after you use your new card to make $6,000 in purchases within the first six months of card membership. Depending on your travel destination and dates, the bonus points alone could score you a few free nights

CONS:

• Of course, the annual fee is something to consider, but luxury benefits do come at a price.
• This card offers the most valuable perks and benefits for people who frequently stay in Marriott Bonvoy hotels. If you prefer to switch it up sometimes in other hotel brands, or just whichever hotel has the best deal, you’ll want to look at a different travel rewards card.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

The Bonus: Earn 80,000 Membership Rewards points after you spend $8,000 on eligible purchases on your new card in your first six months of card membership.

Annual Fee: AnnualFees; $195 for up to three additional authorized users

The Rewards: Earn 5X points per $1 on flights booked directly with airlines or with American Express travel (on up to $500,000 on these purchases per calendar year); 5X points on prepaid hotels booked on amextravel.com; and one point per $1 on all other eligible purchases.

Luxury Perks: Up to $200 in annual Uber savings with $15 in Uber Cash for US rides each month, and $35 December; annual $200 airline fee credit with a pre-qualifying airline of your choice; up to $200 back annually when you use your card for prepaid bookings with American Express Travel at Fine Hotels + Resorts or The Hotel Collection (minimum two-night stay required); fee reimbursement for your Global Entry or TSA PreCheck application; up to $300 back each year when you pay for your eligible Equinox membership with your card; up to $240 back in statement credit when you use your card for purchases with Disney+, The Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal; complimentary membership in premium car rental programs, including special upgrades and discounts; platinum concierge services for assistance with things like reservations or ticket purchases; and a number of other elite shopping and travel benefits. Terms Apply. Enrollment required for select benefits

PROS:

• This card awards five points for each $1 you spend on airline purchases directly with airlines as well as on American Express Travel flight purchases (up to $500,000 spent each calendar year) and hotel stays.
• It also offers a ton of valuable luxury benefits such as a $200 airline fee credit you can use with a pre-selected airline of your choice, up to $200 in annual Uber savings and a credit for your Global Entry or TSA PreCheck application fee. Terms Apply. Enrollment required for select benefits.
• Enjoy 24/7 Platinum Club Concierge service to help with travel arrangements, obtaining tickets to events or even picking out the perfect gift for that special someone.

CONS:

• You can’t ignore the AnnualFees annual fee. If you don’t use the luxury perks that are offered or if you don’t travel often, the annual fee might be too much of an expense.
• Unlike typical credit cards, this card allows you to carry a balance with interest for certain charges, but not all. If you need to carry a balance from month to month, you’ll likely need to look for a different card.
• As an American Express card, it isn't as widely accepted, especially internationally, as a Visa or Mastercard. That said, the network is ever-growing so this might not be an issue for you.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

The Bonus: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.

Annual Fee: AnnualFees

The Rewards: Earn four AAdvantage® bonus miles for every $1 spent on eligible American Airlines purchases. Earn one mile for every $1 spent on other eligible purchases. Keep in mind you'll earn one Loyalty Point for every eligible mile earned with your card.

Luxury Perks: Global Entry or TSA PreCheck application fee reimbursement; Admirals Club access (or a prorated refund of your Admirals Club membership fee if you're already a member); priority check-in, priority airport screening and boarding privileges for you and up to eight travel companions on the same reservation; first checked bag free on domestic American Airlines itineraries for you and up to eight travel companions traveling with you on the same reservation.

PROS:

• As a new cardholder, you can earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
• Earn four miles for each $1 you spend on American Airlines purchases and one mile for each $1 spent on other purchases.
• Other card benefits include Global Entry or TSA PreCheck application fee reimbursement, access to Admirals Club, priority check-in and several other travel benefits.

CONS:

• This card comes with a AnnualFees annual fee, which for luxury cards isn’t out of the ordinary. However, you’ll still need to determine if you will get enough value out of the rewards programs and benefits for it to be worth it.
• This luxury rewards card includes benefits and rewards exclusively for frequent American Airlines travelers. If you frequently travel with other airlines or prefer to shop around, you’ll likely get more out of a different travel card.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Welcome Offer: Earn 150,000 Membership Rewards points after you spend $20,000 on eligible purchases within your first three months of card membership.

Annual Fee: AnnualFees

The Rewards: Earn 5 points per $1 on flights and prepaid hotels through amextravel.com; an extra half-point (or, 1.5 points) per $1 on eligible purchases with U.S. construction material and hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers as well as on purchases of $5,000 or more (up to a cap).

Luxury Perks: Global Entry or TSA PreCheck application fee credit every four years; an annual $200 travel credit to use towards things like baggage or incidental fees with your pre-selected airline; access to a plethora of airport lounges around the world; complimentary benefits such as room upgrades, daily breakfast for two people, late check-out, complimentary WiFi and a unique amenity, such as a food and beverage credit or a one-way private sedan transfer, when booking hotel stays through the Fine Hotels and Resorts group; Hilton Honors Gold Status benefits at stays within the Hilton Portfolio; access to platinum travel counselors who specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels; access to premium seats for select cultural and sporting events; premium car rental privileges; and a number of other premium shopping and travel benefits and services. Enrollment required for select benefits

PROS:

• You can earn five points for each $1 you spend on flights and pre-paid hotels booked with amextravel.com. You can also earn 35% of your points back if you book your flight with a pre-selected qualifying airline (up to 1 million points back per calendar year.)
• This card comes with a ton of luxury perks such as a Global Entry or TSA PreCheck application fee credits every four years or 4.5 years, respectively; an annual $200 travel credit for expenses with a pre-selected airline; airport lounge access; room upgrades; daily breakfast for two people when staying at particular hotels; and many others. Enrollment required for select benefits.
• New cardholders can earn mega bonus points by completing qualifying purchases within your first three months of card membership (details in the "Card Details" tab).

CONS:

• This card comes with a hefty annual fee of AnnualFees. If you don’t think you’ll be able to offset some or all of that fee with the benefits and rewards the card offers, you should consider using a card with a lower (or no) annual fee.
• The rewards earning on purchases outside of a few travel-related categories aren't great. You may want to consider adding another card to your business wallet to earn maximum points on your everyday purchases.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Welcome Offer: Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases within the first three months of opening an account.

Annual Fee: AnnualFees

The Rewards: Earn 4x Membership Rewards points on the two eligible categories where your business spends the most (each billing cycle) from six eligible categories. While your top two 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 two categories each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card.

Luxury Perks: While the CardName does offer some great travel and shopping benefits like car rental loss and damage insurance, premium roadside assistance, travel accident insurance, baggage insurance plans, extended warranty, and purchase protection, this card is more so focused on offering users with great expense management tools, which truly makes it a great business card. Some of the featured perks include a designated account manager to access and manage your business card account; the American Express Business App, which helps you to manage card expenses by allowing you to add receipts and notes to your transactions; easy connection to QuickBooks; account alerts; and a detailed year-end account summary. A flexible payment option can help manage cash flow on purchases of $100 or more.

PROS:

• This card charges a lower annual fee than it's Platinum cousin, which is nice if you want a luxury card and benefits without the higher annual fee.
• This card awards 4x Membership Rewards points on the two eligible categories where your business spends the most (each billing cycle) from six eligible categories. While your top two 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 two categories each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card.
• New cardholders can earn 100,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months of opening an account, which is a nice bank of Membership Rewards® points.

CONS:

• For a luxury card, this card has a lower annual fee of AnnualFees but it’s still large enough that you’ll need to run the numbers and determine if you can offset this fee with the rewards and benefits offered.
• It doesn't charge foreign transaction fees, but it's worth keeping in mind that American Express cards are overall less widely accepted than Visa or Mastercard, particularly overseas. Perhaps keep a Visa or Mastercard handy if you plan to head overseas, just in case.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Earn 80,000 bonus miles after spending $10,000 in purchases on your new card in your first six months of card membership.

Annual Fee: AnnualFees

The Rewards: Earn 3 miles per dollar on eligible Delta purchases.

Luxury Perks: Complimentary access to The Centurion Lounge and a couple of other lounge networks when you book your Delta ticket on your Reserve card; Zone 5 priority boarding; a first class, Delta Comfort+ or main cabin domestic, Caribbean, or Central American round-trip companion certificate each year upon renewal of your card (taxes and fees required); your first checked bag free; baggage insurance plan; concierge services; and a number of other travel, shopping, and expense management perks. Enrollment required for select benefits.

PROS:

• You also get a bunch of luxury travel perks such as complimentary access to some airport lounges, a first class, Delta Comfort+, or main cabin round-trip companion certificate each year you renew, Zone 5 priority boarding and many others. Enrollment required for select benefits.
• Earn 3 miles per dollar on eligible Delta purchases.

CONS:

• This card includes several luxury perks but it also has a fairly high annual fee of AnnualFees. It’s important to figure out if you can get enough value from the extras to justify the annual fee.
• Most, if not all, of the luxury perks and benefits you get with this card are exclusive to Delta airlines. If you are not a frequent Delta flyer or you don’t travel enough to use these benefits, you’ll want to consider a different travel or business card.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

Bonus: There's no traditional bonus with this card; however, the value of your points redemption when it comes to airfare is high at 2%. That means that every point is worth $.02 when redeemed for airfare. That's a higher redemption rate than what's typically offered.

Annual Fee: AnnualFees; $195 for each additional authorized user

The Rewards: Earn one point for every $1 spent with 2% value for airfare redemptions and 1.5% value for cash back redemptions. Terms and conditions apply

Luxury Perks: Annual $100 airline credit to be used towards flight-related purchases including airline tickets, baggage fees, and upgrades; $100 Global Entry or TSA PreCheck application fee credit; VIP access to 1,300+ airport lounges in more than 500 cities worldwide; luxury gifts from recognized brand names, given throughout membership; room upgrades, complimentary food and beverages and spa credits when booking hotel stays with your card; global luggage delivery services, which allow you to send your luggage ahead of time to nearly any destination worldwide to avoid the hassle of carrying, checking and claiming bags; competitive pricing and upgrades on premium car rentals; access to charter services, from flying by private jet to chartering a yacht; access to personal chauffeured services; 24/7 access to Luxury Card Concierge, a lifestyle management service tailored to your personal requirements, from booking an extravagant travel itinerary to sourcing hard-to-find gifts; access to invitation-only, luxury experiences such as court side seats, backstage passes, and dress rehearsal tickets; LUXURY MAGAZINE subscription; and a number of other elite shopping and travel benefits and services.

PROS:

• This card comes with several luxury benefits you won’t get with other cards such as plane and yacht charter services, personal chauffeurs and invitation-only experiences.
• It offers a higher than normal rate of 2% rewards when you redeem for airfare, which is also not typical of travel rewards cards.
• Other luxury perks include an annual $100 airline credit, $100 Global Entry or TSA PreCheck application fee credit, VIP airport lounge access, luxury gifts and many others.

CONS:

• As with most luxury cards, this one has a higher annual fee of AnnualFees. However, it is slightly lower than some of the other luxury cards offering similar benefits and rewards.
• There is no traditional bonus for new card members, which can sometimes get you started with new card right away and give you a better idea of whether the annual fee will be worth it.

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.