The Best Premium Credit Cards

The Best Premium Credit Cards. The term “best” can be subjective as what might be the best for one person might not be for another, depending on individual needs, spending habits, and desired benefits. However, as of my last update in 2023, here are some of the most well-regarded premium credit cards in the market, often chosen for their extensive rewards, travel benefits, and exclusive perks:

The Best Premium Credit Cards

1. American Express Platinum Card:
   • High points earning on flights and prepaid hotels.
   • Access to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs (when flying Delta).
   • $200 annual airline fee credit.
   • $200 annual Uber credit.
   • Extensive travel protections and premium concierge service.
2. Chase Sapphire Reserve:
   • 3x points on travel (after earning the travel credit) and dining worldwide.
   • $300 annual travel credit.
   • Access to Priority Pass airport lounges.
   • Strong travel protections.
   • 1:1 point transfer to several travel partners.
3. Citi Prestige:
   • 5x points on dining and air travel.
   • 3x points on hotels and cruise lines.
   • $250 annual travel credit.
   • Fourth-night-free benefit for hotel stays (limited uses).
   • Access to Priority Pass airport lounges.
4. The Mastercard Black Card (by Luxury Card):
   • 2% value for airfare redemptions and 1.5% value for cash back redemptions.
   • 24/7 Luxury Card Concierge service.
   • Access to Priority Pass lounges.
   • Annual airline credit and global entry application fee credit.
5. American Express Centurion Card (often called the “Black Card”):
   • By invitation only.
   • Access to Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs.
   • Personal concierge service.
   • Numerous luxury travel perks and shopping benefits.
6. U.S. Bank Altitude Reserve Visa Infinite Card:
   • 3x points on travel and mobile wallet spending.
   • $325 annual travel credit.
   • 12 complimentary Gogo in-flight Wi-Fi passes per year.
   • Priority Pass lounge access.
7. Bank of America Premium Rewards Credit Card:
   • 2x points on travel and dining, and 1.5x on all other purchases.
   • Up to $200 in combined airline incidental and TSA Pre✓®/Global Entry statement credits.

Remember that premium credit cards usually come with high annual fees. It’s essential to evaluate if the benefits and rewards you’ll receive from the card outweigh the annual fee. Also, the credit card market is always evolving, with new offers and benefits being introduced and older ones being changed or phased out. It’s a good idea to regularly review the latest card offerings and compare them based on your personal needs and spending habits.

Also Checkout: Best Hotel Credit Cards