{"id":18035,"date":"2024-05-11T18:00:15","date_gmt":"2024-05-11T18:00:15","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=18035"},"modified":"2026-04-08T13:57:15","modified_gmt":"2026-04-08T13:57:15","slug":"best-premium-travel-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-premium-travel-credit-card\/","title":{"rendered":"Comparison of Premium Travel Rewards Credit Cards"},"content":{"rendered":"<p class=\"remark\"><em>$600 hotel credit offered with American Express Platinum Card<sup>\u00ae<\/sup> applies to prepaid Fine Hotels + Resorts<sup>\u00ae<\/sup> or The Hotel Collection bookings made via American Express Travel<sup>\u00ae<\/sup>. The Hotel Collection requires a minimum two-night stay.<\/em><\/p>\n<p>Upon first glance, credit card fees north of $400 might not make sense to many points and miles enthusiasts. Why would you pay $400 or more per year for a card that earns fewer points per dollar on daily spending than other <a target=\"_blank\" href=\"\/credit-cards\/0-annual-fee-for-the-first-year\/\" rel=\"noopener\">low- or no-annual-fee cards<\/a> from the same rewards family? It\u2019s not until you look beyond the simple points-per-dollar equation that the value of a premium travel rewards card becomes apparent.<\/p>\n<p>Premium cards offer a host of perks that outshine any spending category bonuses and the number of points earned. Standard perks include <a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\">lounge access<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/hotels\/best-hotel-card-elite-status\/\" rel=\"noopener\">elite status<\/a>, and the very best travel insurance. Depending on the card, cardholders also can look forward to <a target=\"_blank\" href=\"\/credit-cards\/cards-with-travel-statement-credit\/\" rel=\"noopener\">travel and airline credits<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/hotels\/free-night-certificates\/\" rel=\"noopener\">free nights<\/a> or <a target=\"_blank\" href=\"\/airlines\/guide-to-companion-fares-companion-passes\/\" rel=\"noopener\">companion passes<\/a>, and more. Each of these benefits not only helps offset the cost of holding the card but can elevate the way you travel, providing added luxury and protection.<\/p>\n<p>Here's how these premium cards stack up against one another.<\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#What_Makes_a_Travel-Focused_Rewards_Card_Premium\">What Makes a Travel-Focused Rewards Card \u2018Premium\u2019?<\/a><\/li><li><a href=\"#Premium_Rewards_Credit_Cards_Earning_Flexible_Points\">Premium Rewards Credit Cards Earning Flexible Points<\/a><\/li><li><a href=\"#Premium_Rewards_Credit_Cards_Earning_Airline_Miles\">Premium Rewards Credit Cards Earning Airline Miles<\/a><\/li><li><a href=\"#Premium_Rewards_Credit_Cards_Earning_Hotel_Points\">Premium Rewards Credit Cards Earning Hotel Points<\/a><\/li><li><a href=\"#Who_Should_Get_a_Premium_Rewards_Credit_Card\">Who Should Get a Premium Rewards Credit Card?<\/a><ul><li><a href=\"#Am_I_ok_with_spending_big_on_an_annual_fee\">Am I ok with spending big on an annual fee?<\/a><\/li><li><a href=\"#Can_I_maximize_the_benefits\">Can I maximize the benefits?<\/a><\/li><li><a href=\"#Can_I_pay_my_balance_in_full_every_month\">Can I pay my balance in full every month?<\/a><\/li><li><a href=\"#Do_I_have_a_good_credit_score\">Do I have a good credit score?<\/a><\/li><\/ul><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"What_Makes_a_Travel-Focused_Rewards_Card_Premium\">What Makes a Travel-Focused Rewards Card \u2018Premium\u2019?<\/span><\/h2>\n<p>To qualify as a premium <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-for-travel\/\" rel=\"noopener\">travel rewards card<\/a>, the card needs to provide a combination of several benefits. These should include lounge access, noteworthy travel, and rental car insurance, some form of elite status, and Global Entry\/TSA application fee credit. Of course, they also typically have a high annual fee. Premium cards that offer transferrable points usually also have a travel portal that offers luxury hotel benefits. These often include perks such as space-available upgrades and resort credits. Finally, they also offer some form of high-ticket perk like the <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" rel=\"noopener\">fourth night free<\/a> on the Citi Prestige<sup>\u00ae<\/sup> Card.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-benefits\/\" rel=\"noopener\">21 Credit Card Benefits Every Traveler Should Know About<\/a><\/strong><\/p>\n<p>In this post, we\u2019ve focused on the following cards we think fit the premium description, splitting them into three tables. One covers cards earning <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">flexible or transferable points<\/a>\u00a0and the remaining two cover premium co-branded airline and hotel credit cards that earn miles in a single program.<\/p>\n<ul>\n<li><strong><a data-ccid=\"4048272\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-x\/\">Capital One Venture X Rewards Credit Card<\/a>:<\/strong>\u00a075,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening.<\/li>\n<li><strong><a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a>  (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=07249b90465e1bc54b45795a6f1190597&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) :<\/strong> Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/li>\n<li><strong><a data-ccid=\"10\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-prestige\/\" =_blank>Citi Prestige<sup>\u00ae<\/sup> Card<\/a>:<\/strong> No longer accepting applications<\/li>\n<li><strong><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a>:<\/strong> As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li>\n<li><strong><a data-ccid=\"3004054\" href=\"https:\/\/awardwallet.com\/credit-cards\/american-aadvantage\/citi-aadvantage-executive\/\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/a>:<\/strong> Earn 70,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $7,000 in purchases in the first 3 months of account opening.<\/li>\n<li><strong><a data-ccid=\"4048196\" href=\"\/blog\/link\/UnitedClubInfinite\" rel=\"noopener nofollow sponsored\">United Club\u2120 Card<\/a>  (<a data-ccid=\"4048196\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005115&type=3&u1=0fa76c06ce949c146aef58b29813c7c2&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) :<\/strong> Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.<\/li>\n<li><strong><a data-ccid=\"4048149\" href=\"\/blog\/link\/CR-DeltaReserveCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Reserve American Express Card<\/a>:<\/strong> You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.<\/li>\n<li><strong><a data-ccid=\"2\" href=\"https:\/\/awardwallet.com\/credit-cards\/marriott-bonvoy\/ritz-carlton-card\/\" =_blank>The Ritz-Carlton\u2122 Credit Card<\/a>:<\/strong> No longer accepting applications<\/li>\n<li><strong><a data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Aspire Card<\/a>:<\/strong> Limited-Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/li>\n<li><strong><a data-ccid=\"4048231\" href=\"\/blog\/link\/CR-MarriottBonvoyBrilliantAmericanExpressCard\" rel=\"noopener nofollow sponsored\">Marriott Bonvoy Brilliant<sup>\u00ae<\/sup> American Express<sup>\u00ae<\/sup> Card<\/a>:<\/strong> Earn 200,000 Marriott Bonvoy<sup>\u00ae<\/sup> bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer Ends 5\/13\/2026.<\/li>\n<\/ul>\n<h2><span id=\"Premium_Rewards_Credit_Cards_Earning_Flexible_Points\">Premium Rewards Credit Cards Earning Flexible Points<\/span><\/h2>\n<p>The four most popular premium cards on the market <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">earn transferable points<\/a>. They're not tied to a particular hotel or airline program but rather offer their own points currency. They all offer lounge access in some form, a range of options <a target=\"_blank\" href=\"\/credit-cards\/travel-insurance\/\" rel=\"noopener\">travel insurance and purchase protection<\/a>, <a target=\"_blank\" href=\"\/credit-cards\/cards-with-travel-statement-credit\/\" rel=\"noopener\">travel credits<\/a>, and <a target=\"_blank\" href=\"\/travel\/tsa-precheck\/\" rel=\"noopener\">Global Entry\/TSA PreCheck application fee credit<\/a>.<\/p>\n<p>\n<table id=\"tablepress-116\" class=\"tablepress tablepress-id-116 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Benefits<\/th><th class=\"column-2\"><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a><br \/>\n (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-3\"><a data-ccid=\"4048084\" href=\"\/blog\/link\/ChaseSapphireReserve\" rel=\"noopener nofollow sponsored\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/a><br \/>\n (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=07249b90465e1bc54b45795a6f1190597&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-4\"><a data-ccid=\"242\" href=\"\/blog\/link\/CitiStrataElite?var2=ccid~242\" rel=\"noopener nofollow sponsored\">Citi Strata Elite\u2120 Card<\/a><br \/>\n (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-5\"><a data-ccid=\"4048272\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" rel=\"noopener nofollow sponsored\">Capital One Venture X Rewards Credit Card<\/a><br \/>\n<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><b>Annual Fee<\/b><\/td><td class=\"column-2\">$895<\/td><td class=\"column-3\">$795<\/td><td class=\"column-4\">$595<\/td><td class=\"column-5\">$395<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><b>Authorized User Fee<\/b><\/td><td class=\"column-2\">$195 for each additional Platinum Card<sup>\u00ae<\/sup> for Authorized Users  (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-3\">$195<br \/>\n (<a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=07249b90465e1bc54b45795a6f1190597&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">$75<br \/>\n (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-5\">$0 for up to 4 authorized users<br \/>\n<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><b>Welcome Offer<\/b><\/td><td class=\"column-2\">As High As 175,000 points. Find Out Your Offer. You may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/td><td class=\"column-3\">125,000 bonus points Ultimate Rewards points<\/td><td class=\"column-4\">75,000 bonus Points after spending $6,000 in the first 3 months of account opening.<\/td><td class=\"column-5\">75,000 Capital One miles<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><b>Travel Credit<\/b><\/td><td class=\"column-2\">\u2022 Up to $200 Airline incidental credit (with a preselected, preferred airline)<br \/>\n\u2022 $600 prepaid hotel credit - up to $300 semiannually. (The Hotel Collection requires a minimum 2-night stay)<\/td><td class=\"column-3\">$300 Travel credit<\/td><td class=\"column-4\">$300 Hotel credit booked through Citi Travel<\/td><td class=\"column-5\">$300 annual travel credit for bookings made with Capital One Travel<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><b>Category Bonus<\/b><\/td><td class=\"column-2\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/td><td class=\"column-3\"><ul>\r\n<li>8x points on all purchases through Chase Travel\u2120<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on dining worldwide<\/li>\r\n<li>1x points on all other purchases<\/li><\/ul><\/td><td class=\"column-4\"><ul>\r\n<li>12X \u2013 Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.<\/li>\r\n<li>6X \u2013 Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights\u2120 purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time.<\/li>\r\n<li>1.5X \u2013 Earn 1.5 Points per $1 spent on All Other Purchases.<\/li>\r\n<\/ul><\/td><td class=\"column-5\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Travel<\/li>\r\n<li>5X miles per $1 on purchases through Capital One Entertainment<\/li>\r\n<li>5X miles per $1 on flights when booking via Capital One Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Travel<\/li>\r\n<li>2X miles per $1 on all other eligible purchases<\/li>\r\n<\/ul><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><b>Priority Pass\u2122 Select<\/b><\/td><td class=\"column-2\">1 guest per cardholder<br \/>\n(Enrollment Required)<\/td><td class=\"column-3\">2 guests per cardholder<\/td><td class=\"column-4\">2 guests per cardholder<\/td><td class=\"column-5\">Guests cost $35 each for primary cardholder<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><b>Other Lounges<\/b><\/td><td class=\"column-2\">\u2022 Centurion Lounges<br \/>\n\u2022 Delta Sky Club<sup>\u00ae<\/sup> (when traveling same day on Delta - limited to 10 per passes per year)<br \/>\n\u2022 Select Lufthansa Lounges (when traveling on Lufthansa Group airlines)<br \/>\n\u2022 Airspace & Escape Lounges<br \/>\n\u2022 Plaza Premium Lounges<br \/>\n(Guest policy varies)<\/td><td class=\"column-3\">\u2022 Chase Sapphire Lounges<br \/>\n\u2022 Chase Sapphire Terrace<br \/>\n\u2022 Air Canada Maple Leaf Lounges (with eligible same-day boarding pass when traveling on Air Canada or Star Alliance partners)<\/td><td class=\"column-4\">\u2022 4 annual day-passes to American Airlines Admirals Clubs (when traveling on same-day American Airlines or Oneworld Partner flight)<\/td><td class=\"column-5\">\u2022 Capital One Lounges<br \/>\n\u2022 Capital One Landing lounges<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><b>Elite Status<\/b><\/td><td class=\"column-2\">\u2022 Hilton Honors\u2122\u202f & Marriott Bonvoy<sup>\u00ae<\/sup> Gold<br \/>\n\u2022 Leaders Club Sterling Status<br \/>\n\u2022 Avis Preferred<sup>\u00ae<\/sup><br \/>\n\u2022 Hertz Gold Plus Rewards<sup>\u00ae<\/sup> President's Circle<br \/>\n\u2022 National Emerald Club Executive<\/td><td class=\"column-3\">\u2022 IHG One Rewards Platinum Elite Status (through December 31, 2027)<\/td><td class=\"column-4\">N\/A<\/td><td class=\"column-5\">\u2022 Hertz Gold Plus Rewards<sup>\u00ae<\/sup> President's Circle<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><b>Global Entry\/TSA PreCheck Credit<\/b><\/td><td class=\"column-2\">Every 4 years<\/td><td class=\"column-3\">Every 4 years<\/td><td class=\"column-4\">Every 4 years<\/td><td class=\"column-5\">Every 4 years<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><b>Trip Delay<\/b><\/td><td class=\"column-2\">\u2022 6 hours<br \/>\n\u2022 $500<\/td><td class=\"column-3\">\u2022 6 hours<br \/>\n\u2022 $500<\/td><td class=\"column-4\">\u2022 6 hours<br \/>\n\u2022 $500<\/td><td class=\"column-5\">\u2022 6 hours<br \/>\n\u2022 $500<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><b>Baggage Delay<\/b><\/td><td class=\"column-2\">N\/A<\/td><td class=\"column-3\">\u2022 6 hours<br \/>\n\u2022 $500<\/td><td class=\"column-4\">N\/A<\/td><td class=\"column-5\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><b>Auto Rental CDW<\/b><\/td><td class=\"column-2\">Secondary up to $75,000<\/td><td class=\"column-3\">Primary up to $75,000<\/td><td class=\"column-4\">Secondary<\/td><td class=\"column-5\">Primary up to $75,000<\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><b>Additional Perks & Benefits<\/b><\/td><td class=\"column-2\">\u2022 Up to $200 annual Uber Cash plus $120 Uber One Credit<br \/>\n\u2022 Up to $209 CLEAR+ membership fee reimbursement <br \/>\n\u2022 Up to $300 Equinox credit<br \/>\n\u2022 Up to $300 SoulCycle credit<br \/>\n\u2022 Up to $300 in digital entertainment credit<br \/>\n\u2022 Up to $400 Resy credit<br \/>\n\u2022 Up to $300 Lululemon credit<br \/>\n\u2022 Up to $200 Oura Ring credit<\/td><td class=\"column-3\">\u2022 Up to $300 in annual dining credit with Sapphire Reserve Exclusive Tables program and 3X points at restaurants worldwide<br \/>\n\u2022 Up to $288 in complimentary Apple TV and Apple Music credit*<br \/>\n\u2022 Up to $300 annually in DoorDash promotional credits and up to $120 in annual credits toward a DashPass membership*<br \/>\n\u2022 Up to $120 in Lyft credit annually*<br \/>\n\u2022 Up to $300 in annual credits with StubHub<\/td><td class=\"column-4\">\u2022 3X points at restaurants<br \/>\n\u2022 Up to $200 Annual Blacklane<sup>\u00ae<\/sup> Credit<br \/>\n\u2022 Up to $200 Annual Splurge Credit\u2120 at select brands<br \/>\n\u2022 Citigold clients receive a $145 Banking Relationship Annual Credit<\/td><td class=\"column-5\">\u2022 Access to Capital One Premier Collection of luxury hotels with perks including free breakfast and resort credits.<br \/>\n\u2022 10,000 mile Anniversary Bonus each year you renew your account<br \/>\n\u2022 Use miles at 1\u00a2 apiece to offset recent travel purchases made with your card.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p><em>Enrollment is required for select Amex benefits.<\/em> <span style=\"font-weight: 400;\"> <\/span><\/p>\n<p>When comparing the premium cards, it's important to note the <a target=\"_blank\" href=\"\/credit-cards\/priority-pass-restaurants\/\" rel=\"noopener\">recent changes to Priority Pass\u2122 access<\/a> for cardholders. After June 30, 2024, the only card on this list that will still have benefits at Priority Pass restaurants and markets will be the <strong>Prestige Card<\/strong>. The others will continue to have access to Priority Pass Lounges and &#8220;other select airport experiences.&#8221;<\/p>\n<h2><span id=\"Premium_Rewards_Credit_Cards_Earning_Airline_Miles\">Premium Rewards Credit Cards Earning Airline Miles<\/span><\/h2>\n<p>Unfortunately, many of our favorite frequent flyer programs don\u2019t offer a top-tier rewards card. Only the three biggest legacy carriers have premium credit card options.<\/p>\n<p>\n<table id=\"tablepress-205\" class=\"tablepress tablepress-id-205 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Benefits <\/th><th class=\"column-2\"><a data-ccid=\"4048196\" href=\"\/blog\/link\/UnitedClubInfinite\" rel=\"noopener nofollow sponsored\">United Club\u2120 Card<\/a>  (<a data-ccid=\"4048196\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005115&type=3&u1=0fa76c06ce949c146aef58b29813c7c2&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-3\"><a data-ccid=\"3004054\" href=\"\/blog\/link\/CR-CitiAAdvantageExecutiveWorldEliteMasterCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/a><br \/>\n<\/th><th class=\"column-4\"><a data-ccid=\"4048149\" href=\"\/blog\/link\/CR-DeltaReserveCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Delta SkyMiles<sup>\u00ae<\/sup> Reserve American Express Card<\/a><br \/>\n (<a data-ccid=\"4048149\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><b>Annual Fee<\/b><\/td><td class=\"column-2\">$695<br \/>\n (<a data-ccid=\"4048196\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005115&type=3&u1=0fa76c06ce949c146aef58b29813c7c2&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-3\">$595<br \/>\n<\/td><td class=\"column-4\">$650  (<a data-ccid=\"4048149\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><b>Authorized User Fee<\/b><\/td><td class=\"column-2\">$0 (<a data-ccid=\"4048196\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005115&type=3&u1=0fa76c06ce949c146aef58b29813c7c2&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-3\">$175 for the first three authorized users, then $175 each<\/td><td class=\"column-4\">$175  (<a data-ccid=\"4048149\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><b>Welcome Offer<\/b><\/td><td class=\"column-2\">Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.<\/td><td class=\"column-3\">Earn 70,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $7,000 in purchases in the first 3 months of account opening.<\/td><td class=\"column-4\">You may be eligible for as high as 100,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><b>Bonus Earnings Toward Elite Status<\/b><\/td><td class=\"column-2\">Earn 1 PQP for every $15 spent (up to 28,000 PQP spent in a calendar year) <\/td><td class=\"column-3\">10,000 Loyalty Points boost after earning 50,000 Loyalty Points in a single year, and another 10,000 after earning 90,000 LP.<\/td><td class=\"column-4\">\u2022 2,500 MQDs head start each year<br \/>\n\u2022 1 MQD for every $10 spent on the card each year<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><b>Category Bonus<\/b><\/td><td class=\"column-2\"><ul>\r\n<li>Earn 5 miles per $1 spent on United<sup>\u00ae<\/sup> purchases*<\/li>\r\n<li>Earn 2 miles per $1 spent on all other travel<\/li>\r\n<li>Earn 2 miles per $1 spent on dining<\/li>\r\n<li> Earn 1 mile per $1 spent on all other purchases<\/li>\r\n<\/ul>\r\n*11X total miles per $1 spent on eligible United<sup>\u00ae<\/sup> flights<\/td><td class=\"column-3\"><ul><li>Earn 10X miles for every $1 spent on eligible hotels booked at aa.com\/hotels and eligible rental cars booked through aa.com\/cars<\/li>\r\n<li>Earn 4X miles for every $1 spent on eligible American Airlines purchases (increased to 5X miles through the end of the calendar year after you pass $150,000 in purchases annually)<\/li>\r\n<li>Earn 1X mile for every $1 spent on all other purchases<\/li>\r\n<\/ul><\/td><td class=\"column-4\"><ul><li>3X miles per dollar spent on purchases made directly with Delta<\/li>\r\n \t<li>1X miles on every eligible dollar spent on purchases.<\/li><\/ul><\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><b>Lounge Access<\/b><\/td><td class=\"column-2\">\u2022 United Club (1 adult and dependent children under 18 years of age)<br \/>\n(Authorized users do not get their own membership)<\/td><td class=\"column-3\">\u2022 Admirals Club (+ 2 guests or immediate family) (AU cardholders also get access via their own membership)<\/td><td class=\"column-4\">\u2022 Delta Sky Club<sup>\u00ae<\/sup> & international partner lounges when traveling on a same-day Delta-marketed\/operated flight<br \/>\n\u2022 4X one-time guest passes for complimentary access to the Delta Sky Club<br \/>\n\u2022\u00a0The Centurion Lounge - When flying a same-day Delta-marketed\/operated flight paid for with a U.S.-issued American Express rewards Card<br \/>\n<br \/>\n<em>Reserve Card members get 15 Delta Sky Club visits yearly. Spend $75,000+ on the card in a calendar year for unlimited visits - <a href=\"https:\/\/delta.com\/skymilesprogramchanges\" target=\"_blank\" rel=\"noopener\">Learn more<\/a>.)<\/em><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><b>Elite Status<\/b><\/td><td class=\"column-2\">\u2022 Avis President\u2019s Club membership<br \/>\n\u2022 IHG Rewards Platinum Elite status<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">Hertz President's Circle Status<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><b>Free Checked Bags<\/b><\/td><td class=\"column-2\">\u2022 2 each for you and a companion on the same ticket<br \/>\n\u2022 Ticket must be purchased using this card to qualify for the benefit <\/td><td class=\"column-3\">\u2022 Free first checked bag for cardholder and up to 8 companions<br \/>\n\u2022 Adding your AAdvantage number to the reservation triggers the benefit<\/td><td class=\"column-4\">\u2022 1 each for you and up to 8 companions on the same ticket<br \/>\n\u2022 Adding your SkyMiles number to the reservation triggers the benefit<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><b>Companion Flight Ticket<\/b><\/td><td class=\"column-2\">N\/A<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">\u2022 Domestic, Caribbean, or Central American round-trip companion certificate each year in Delta First, Delta Comfort, or Delta Main upon renewal of your Card<br \/>\n\u2022 Pay just taxes and fees of between $22 and $250 (for itineraries with up to four flight segments)<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><b>In-Flight Benefits<\/b><\/td><td class=\"column-2\">\u2022 25% back (as a statement credit) on food, beverage and Wi-Fi purchases on board United- and United Express-operated flights<\/td><td class=\"column-3\">\u2022 25% off in-flight purchases on AA domestic flights, which comes as a statement credit<br \/>\n\u2022 Applies to food and beverage purchases only, not Wi-Fi<\/td><td class=\"column-4\">\u2022 20% discount on pre-purchased meals and in-flight purchases of food, alcoholic beverages and audio headsets<br \/>\n\u2022 Comes as a statement credit<br \/>\n\u2022 Does not apply to WiFi purchases<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><b>Global Entry\/TSA PreCheck Credit<\/b><\/td><td class=\"column-2\">Every 4 years<\/td><td class=\"column-3\">Every 4 years<\/td><td class=\"column-4\">Every 4 years<\/td>\n<\/tr>\n<tr class=\"row-13 odd\">\n\t<td class=\"column-1\"><b>Trip Delay<\/b><\/td><td class=\"column-2\">\u2022 12 hours<br \/>\n\u2022 $500<\/td><td class=\"column-3\">\u2022 6 hours<br \/>\n\u2022 $500<\/td><td class=\"column-4\">\u2022 6 hours<br \/>\n\u2022 $500 <\/td>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><b>Baggage Delay<\/b><\/td><td class=\"column-2\">\u2022 6 hours<br \/>\n\u2022 $100 day up to 3 days<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-15 odd\">\n\t<td class=\"column-1\"><b>Auto Rental CDW<\/b><\/td><td class=\"column-2\">Primary coverage and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.<\/td><td class=\"column-3\">Secondary in the U.S., primary outside the U.S. for up to $75K <\/td><td class=\"column-4\">Secondary up to $75K <\/td>\n<\/tr>\n<tr class=\"row-16 even\">\n\t<td class=\"column-1\"><b>Additional Perks & Benefits<\/b><\/td><td class=\"column-2\">\u2022 Expanded award availability<br \/>\n\u2022 Premier Access (priority airport services)<br \/>\n\u2022 Close-in award fees waived<br \/>\n\u2022 Complimentary Premier Upgrades on award tickets<br \/>\n\u2022Instacart+ Membership<br \/>\n\u2022 Various statement credits including rideshare, rental cars, and Instacart+ <br \/>\n<br \/>\n<br \/>\n<\/td><td class=\"column-3\">\u2022 Priority check-in, airport screening, and early boarding <br \/>\n\u2022 Up to $120 in annual credits with Avis and Budget on prepaid rentals<br \/>\n\u2022 Up to $120 in annual Lyft credits<br \/>\n\u2022 Up to $120 in annual Grubhub credits<\/td><td class=\"column-4\">\u2022 Priority boarding<br \/>\n\u2022 Up to $200 Delta Stays credit annually<br \/>\n\u2022 Up to $120 Rideshare credit annually<br \/>\n\u2022 Up to $240 Resy credit annually<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p>NOTE: A significant and important differentiator to know about with the Delta Reserve is that it only provides <a target=\"_blank\" href=\"\/airlines\/delta-skymiles\/delta-sky-club-access\/\" rel=\"noopener\">access to a Delta Sky Club<\/a> when traveling on Delta that same day. Enrollment is required for select Amex benefits.<\/p>\n<p class=\"remark\"><em>Effective 2\/1\/25, Reserve Card members get 15 Delta Sky Club<sup>\u00ae<\/sup> visits per Medallion<sup>\u00ae<\/sup> Year when flying Delta and can unlock an unlimited number of Visits after spending $75,000 on the card each calendar year.<a href=\"https:\/\/awardwallet.com\/news\/delta-skymiles\/elite-status-changes-2024\/\"> Learn more about Delta's status changes for 2024<\/a>.<\/em><\/p>\n<p>Unlike those listed in the transferrable points table, you should only get a premium co-branded airline card if you regularly fly that airline. Paying a yearly annual fee of $650  (<a data-ccid=\"4048149\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/delta-skymiles-reserve-american-express-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) for the Delta Reserve with all its Delta perks wouldn't be nearly as valuable if you seldom fly with the airline.<\/p>\n<figure id=\"attachment_60168\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"599\/479\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-60168 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport-1024x818.jpg\" alt=\"Photo of a person carrying a boarding pass.\" width=\"599\" height=\"479\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport-1024x818.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport-1536x1227.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/03\/Featured-Boarding-Pass-Airport.jpg 1538w\" sizes=\"(max-width: 599px) 100vw, 599px\" \/><center><em>Airline premium cards often offer priority boarding for cardholders. Credit: JoshuaWoroniecki\/Pixabay<\/em><\/enter><\/figure>\n<h2><span id=\"Premium_Rewards_Credit_Cards_Earning_Hotel_Points\">Premium Rewards Credit Cards Earning Hotel Points<\/span><\/h2>\n<p>There are three co-branded hotel cards that we would consider premium rewards cards: the <a data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" target=_blank rel=\"noopener nofollow sponsored\">Hilton Aspire<\/a>, <a data-ccid=\"4048231\" href=\"\/blog\/link\/CR-MarriottBonvoyBrilliantAmericanExpressCard\" rel=\"noopener nofollow sponsored\">Marriott Bonvoy Brilliant Card<\/a>, and the Ritz-Carlton Card (which, although not open to new applicants, is available if you product change from another Marriott credit card).<\/p>\n<p>\n<table id=\"tablepress-155\" class=\"tablepress tablepress-id-155 tablepress-responsive\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Benefits<\/th><th class=\"column-2\">The Ritz-Carlton\u2122 Credit Card<\/th><th class=\"column-3\">Hilton Honors American Express Aspire Card<\/th><th class=\"column-4\">Marriott Bonvoy Brilliant<sup>\u00ae<\/sup> American Express<sup>\u00ae<\/sup> Card<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><b>Annual Fee<\/b><\/td><td class=\"column-2\">$450<\/td><td class=\"column-3\">$550<\/td><td class=\"column-4\">$650  (<a data-ccid=\"4048231\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/marriott-bonvoy-brilliant-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><b>Authorized User Fee<\/b><\/td><td class=\"column-2\">$0<\/td><td class=\"column-3\">$0 (<a data-ccid=\"4048211\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/hilton-honors-aspire-credit-card\/26129-10-0#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">$0  (<a data-ccid=\"4048231\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/marriott-bonvoy-brilliant-card\/26129-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\"><b>Welcome Offer<\/b><\/td><td class=\"column-2\">No longer open to applications. Product Change from Chase Marriott cards.<\/td><td class=\"column-3\">Limited-Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 on eligible purchases on the Hilton Honors American Express Aspire Card within your first 6 months of Card Membership. Offer Ends 4\/15\/2026.<\/td><td class=\"column-4\">Earn 200,000 Marriott Bonvoy<sup>\u00ae<\/sup> bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Offer Ends 5\/13\/2026.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><b>Category Bonus<\/b><\/td><td class=\"column-2\">\u2022 6x at hotels participating in Marriott Bonvoy<br \/>\n\u2022 3x on dining, car rentals, and airline purchases<br \/>\n2x on all other purchases<\/td><td class=\"column-3\">\u2022 14X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio<br \/>\n\u2022 7X Hilton Honors Bonus Points on flights booked directly with airlines or amextravel.com, car rentals booked directly through select rental companies, and at U.S. restaurants<br \/>\n\u2022 3X Hilton Honors Bonus Points for all other eligible purchases on your Card<\/td><td class=\"column-4\">\u2022 6X points on purchases at Marriott Properties<br \/>\n\u2022 3X points at restaurants worldwide, including takeout and delivery<br \/>\n\u2022 3X points on flights booked directly with airlines<br \/>\n\u2022 2X points on all other eligible purchases<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><b>Annual Free Night Rewards<\/b><\/td><td class=\"column-2\">Annual free night award worth up to 85,000 Marriott Bonvoy points<\/td><td class=\"column-3\">Annual free night reward on your account anniversary, valid at nearly any property (on a standard room)<br \/>\n<\/td><td class=\"column-4\">Annual free night award worth up to 85,000 Marriott Bonvoy points<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><b>Lounge Access<\/b><\/td><td class=\"column-2\">Priority Pass\u2122 Select (+2 guests, and Authorized Users also get a membership)<\/td><td class=\"column-3\"><a href=\"https:\/\/awardwallet.com\/credit-cards\/hilton-honors\/hilton-amex-priority-pass\/\" target=\"_blank\" rel=\"noopener\">Depends on when you enrolled<\/a>, but this benefit will end by November 1, 2024 for all cardmembers.<\/td><td class=\"column-4\">Priority Pass\u2122 Select (+ up to 2 guests)<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\"><b>Elite Status<\/b><\/td><td class=\"column-2\">\u2022 Automatic Gold Elite status<br \/>\n\u2022 Spend $75K on your card in a calendar year for Platinum Elite status.<\/td><td class=\"column-3\">\u2022 Hilton Honors\u2122 Diamond Status<br \/>\n\u2022 National Car Rental Emerald Club Executive Status<\/td><td class=\"column-4\">Marriott Bonvoy<sup>\u00ae<\/sup> Platinum Elite status<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\"><b>Travel Credits<\/b><\/td><td class=\"column-2\">\u2022 $300 airline incidental credit (based on a calendar year)<br \/>\n\u2022 $100 hotel credit on paid Ritz-Carlton stays of two nights or more<\/td><td class=\"column-3\">\u2022 $200 annual flight credit<br \/>\n\u2022 $400 Hilton resort statement credit<br \/>\n\u2022 $100 Waldorf Astoria and Conrad credit when booking Aspire Card package<\/td><td class=\"column-4\">$100 hotel credit on paid Ritz-Carlton or St. Regis stays of two nights or more<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><b>Global Entry\/TSA PreCheck Credit<\/b><\/td><td class=\"column-2\">Every 4 years<\/td><td class=\"column-3\">N\/A<\/td><td class=\"column-4\">Every 4 years after applying for Global Entry or every 4.5 years for TSA PreCheck<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\n\t<td class=\"column-1\"><b>Trip Delay<\/b><\/td><td class=\"column-2\">\u2022 6 hours<br \/>\n\u2022 $500 per trip<\/td><td class=\"column-3\">\u2022 6 hours<br \/>\n\u2022 $500 per trip<br \/>\n\u2022 2 claims per 12-month period<\/td><td class=\"column-4\">\u2022 6 hours<br \/>\n\u2022 $500 per trip<br \/>\n\u2022 2 claims per 12-month period<\/td>\n<\/tr>\n<tr class=\"row-12 even\">\n\t<td class=\"column-1\"><b>Additional Perks & Benefits<\/b><\/td><td class=\"column-2\">\u2022 3 Club Level upgrades each year on paid stays of up to seven nights<br \/>\n\u2022 15 Elite Night Credits annually<br \/>\n<\/td><td class=\"column-3\">\u2022 Second free night reward after $30K spend per calendar year<br \/>\n\u2022 Additional free night reward after $60K spend per calendar year<\/td><td class=\"column-4\">\u2022 Up to $300 dining credit each calendar year (available as up to $25 monthly)<br \/>\n\u2022 25 Elite Night Credits annually<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p><em>Enrollment is required for select Amex benefits.<\/em><\/p>\n<figure id=\"attachment_48202\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-48202 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay-1024x819.jpg\" alt=\"Photo of the Ritz Carlton Half Moon Bay\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay-1536x1229.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2020\/06\/Ritz-Carlton-Half-Moon-Bay.jpg 1667w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Ritz Carlton Half Moon Bay. Credit: Marriott<\/em><\/enter><\/figure>\n<h2><span id=\"Who_Should_Get_a_Premium_Rewards_Credit_Card\">Who Should Get a Premium Rewards Credit Card?<\/span><\/h2>\n<p>Premium cards are not for everyone.\u00a0 When deciding if you should apply for a premium card, consider the following:<\/p>\n<h3><span id=\"Am_I_ok_with_spending_big_on_an_annual_fee\">Am I ok with spending big on an annual fee?<\/span><\/h3>\n<p>All of these premium cards come with big annual fees. While the benefits can usually make up for the cost of the card, it isn't worth it for everyone.\u00a0 If the idea of spending hundreds of dollars per year on a card fee makes you ill, premium cards may not be your cup of tea.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-no-annual-fee-cards\/\" rel=\"noopener\">These Credit Cards Earn Transferable Points With No Annual Fee<\/a><\/strong><\/p>\n<h3><span id=\"Can_I_maximize_the_benefits\">Can I maximize the benefits?<\/span><\/h3>\n<p>Be realistic with yourself.\u00a0 How many lounges will you visit his year? Am I willing to be loyal to one particular brand, such as Marriott or American Airlines, or do I value flexibility more than elevated benefits? As you consider the benefits, remember that a benefit you can't use isn't of any value, no matter how luxurious it sounds on paper.<\/p>\n<h3><span id=\"Can_I_pay_my_balance_in_full_every_month\">Can I pay my balance in full every month?<\/span><\/h3>\n<p>If the answer here is no, these are not the cards for you. Not only do these cards carry high annual fees, they also tend to have high interest rates that will outweigh any benefit you might get from them.<\/p>\n<h3><span id=\"Do_I_have_a_good_credit_score\">Do I have a good credit score?<\/span><\/h3>\n<p>Most premium credit cards require good to excellent credit scores to qualify. If your credit isn't at least in the good range, you may need to wait and build up your credit a bit before considering one of these cards.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/free-credit-score-check\/\" rel=\"noopener\">How To Check Your Credit Score for Free<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>If you've decided that a premium card is worth the high cost, you'll next need to decide which card is the right one for you. That depends on several factors. Before pulling the trigger on a premium rewards card, think about where you live and how you travel. Do you tend to travel with kids in tow?\u00a0 If so, consider the perks that will most benefit <a target=\"_blank\" href=\"\/credit-cards\/premium-card-benefits-for-families\/\" rel=\"noopener\">traveling as a family<\/a>. If you\u2019re contemplating the Platinum Card<sup>\u00ae<\/sup>, for example, is there a <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/centurion-lounge-locations\/\" rel=\"noopener\">Centurion Lounge<\/a> at your local airport? Will you be able to max out the <a target=\"_blank\" href=\"\/credit-cards\/uber-amex-credit\/\" rel=\"noopener\">Uber credits<\/a>? Do you want trip delay and baggage insurance coverage? Or do you need protection for baggage delays, which this card doesn't offer \u2014 meaning another card is better for you?<\/p>\n<p>Each card offers value in some unique ways while perhaps falling short in another area. First, decide how you would use the card and whether it will provide enough value to warrant paying the high annual fee. If the numbers stack up, you may have a winner.<\/p>\n<p><em>If you have any questions about the cards or benefits listed, please get in touch in the comments below, and we\u2019ll do our best to answer.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>At first glance, credit card fees north of $400 don\u2019t make sense to a lot of points and miles fans. Why would you pay $400+ per year for a card that&#8217;s likely to earn fewer points per dollar than low or no annual fee cards from the same rewards family? It\u2019s not until you look past the simple points per dollar equation that the value of a premium travel rewards card comes into focus.<\/p>\n","protected":false},"author":76,"featured_media":18092,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12520,12621],"coauthors":[36406,36466],"class_list":["post-18035","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-benefits","tag-earning-strategy"],"acf":[],"yoast_head":"<title>Premium Travel Rewards Credit Cards Comparison<\/title>\n<meta name=\"description\" content=\"Credit cards with high annual fees come with the benefits to match. 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