{"id":18035,"date":"2026-04-12T23:50:02","date_gmt":"2026-04-12T23:50:02","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=18035"},"modified":"2026-04-13T13:07:01","modified_gmt":"2026-04-13T13:07:01","slug":"best-premium-travel-credit-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/best-premium-travel-credit-card\/","title":{"rendered":"How To Choose the Right Premium Travel Credit Card for You"},"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>Premium travel rewards credit cards have always required a bit of a leap of faith. You\u2019re paying a high annual fee upfront, hoping you\u2019ll actually use enough benefits to justify the cost. With fees consistently climbing, that leap feels bigger than ever.<\/p>\n<p>Part of the challenge is that these cards don\u2019t always look compelling at first glance. Many earn fewer points on everyday spending than lower-fee options. Instead, their value comes from benefits like lounge access, travel credits, elite perks, and built-in protections.<\/p>\n<p>With each card offering a different mix of benefits, choosing the right one isn\u2019t always straightforward. Here\u2019s how the top premium travel rewards cards compare \u2014 and which might actually be worth the fee.<\/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_Rewards_Credit_Card_8216Premium8217\">What Makes a Rewards Credit Card &#8216;Premium'?<\/a><\/li><li><a href=\"#Top_Premium_Travel_Rewards_Credit_Cards\">Top Premium Travel Rewards Credit Cards<\/a><ul><li><a href=\"#Flexible_points\">Flexible points<\/a><\/li><li><a href=\"#Airline_cards\">Airline cards<\/a><\/li><li><a href=\"#Hotel_cards\">Hotel cards<\/a><\/li><li><a href=\"#Business_cards\">Business cards<\/a><\/li><\/ul><\/li><li><a href=\"#Premium_Rewards_Credit_Cards_for_Earning_Flexible_Points\">Premium Rewards Credit Cards for 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=\"#Premium_Business_Rewards_Credit_Cards\">Premium Business Rewards Credit Cards<\/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=\"#Is_the_Annual_Fee_Worth_It\">Is the Annual Fee Worth It?<\/a><\/li><li><a href=\"#Can_I_maximize_the_card8217s_benefits\">Can I maximize the card's 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_Rewards_Credit_Card_8216Premium8217\">What Makes a Rewards Credit Card &#8216;Premium'?<\/span><\/h2>\n<p>A high annual fee alone doesn\u2019t make a card premium. It needs to offer meaningful value through a compelling mix of travel perks. Look for features like:<\/p>\n<ul>\n<li><a target=\"_blank\" href=\"\/credit-cards\/credit-cards-with-lounge-access\/\" rel=\"noopener\"><strong>Airport lounge access<\/strong><\/a>. At a minimum, this usually includes a complimentary Priority Pass membership with additional access to a credit card issuer or airline's own network of lounges<\/li>\n<li><strong>Travel credits. <\/strong>Helps offset a significant portion of the annual fee<\/li>\n<li><strong>Travel insurance<\/strong>. Includes comprehensive coverage like trip delay protection and primary car rental insurance<\/li>\n<li><strong><a target=\"_blank\" href=\"\/credit-cards\/hotels\/best-hotel-card-elite-status\/\" rel=\"noopener\">Elite status<\/a> or benefits. <\/strong>Available with\u00a0airlines, hotels, or car rental companies<\/li>\n<li><strong>Global Entry or TSA PreCheck<\/strong>. Provided as application fee statement credits<\/li>\n<li><strong>Transferable points or strong co-branded earning potential<\/strong>. Either flexible rewards that transfer to multiple partners or high-value earnings within a specific airline or hotel program<\/li>\n<\/ul>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-credit-card-benefits\/\" rel=\"noopener\">22 Credit Card Benefits Every Traveler Should Know About<\/a><\/strong><\/p>\n<h2><span id=\"Top_Premium_Travel_Rewards_Credit_Cards\">Top Premium Travel Rewards Credit Cards<\/span><\/h2>\n<p>Here we\u2019ve focused on the following cards we think fit the premium rewards description and split them into four categories: cards earning <a target=\"_blank\" href=\"\/travel\/types-of-rewards-points\/\" rel=\"noopener\">flexible or transferable points<\/a>, premium co-branded <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/find-a-card\/airlines\" rel=\"noopener\">airline cards<\/a>, premium co-branded <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/find-a-card\/hotels\" rel=\"noopener\">hotel cards<\/a>, and premium <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/find-a-card\/business\" rel=\"noopener\">business credit cards<\/a>.<\/p>\n<p>We will break down each in detail below. But here's an overview of the top cards in each category.<\/p>\n<h3><span id=\"Flexible_points\">Flexible points<\/span><\/h3>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/11\/CardArt-CapitalOneVentureXRewardsCreditCard.png\" width=\"150\" alt=\"Capital One Venture X Rewards Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 75,000 Miles when you spend $4,000 on purchases in the first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"4048272\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Rewards Credit Card' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsCreditCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><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><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" alt=\"Chase Sapphire Reserve\u00ae\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/565192b2-c5cc-4edc-89ae-b8bba7a63750.png\" width=\"150\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Sapphire Reserve<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Sapphire Reserve\u00ae' data-ccid=\"4048084\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphireReserve\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"4048084\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1975477.10005148&type=3&subid=0177fc8df01c6b803e6384c155fa15419&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><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><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nAs 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.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><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><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><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><\/div><\/div><\/div>\n<h3><span id=\"Airline_cards\">Airline cards<\/span><\/h3>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-citi\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/450a0407-44c5-45f1-a335-068eefc6cb45.png\" width=\"150\" alt=\"United Club\u2120 Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">United Club\u2120 Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='United Club\u2120 Card' data-ccid=\"4048196\" data-exit=\"ccw\" href=\"\/blog\/link\/UnitedClubInfinite\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$695<span class=\"compare-terms\"><a data-ccid=\"4048196\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1753725.10005115&type=3&u1=a0ba10db9cd27b7b01faf15dd9257acf&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><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<\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/47dd49f9-d80b-4251-aa8e-2fbf313e6402.jpg\" width=\"150\" alt=\"Delta SkyMiles\u00ae Reserve American Express Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Delta SkyMiles<sup>\u00ae<\/sup> Reserve American Express Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nYou 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.\r\n<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Delta SkyMiles\u00ae Reserve American Express Card' data-ccid=\"4048149\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-DeltaReserveCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$650<span class=\"compare-terms\"><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><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><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><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/2628f593-03e8-4f83-af89-1f091a9fc10a.png\" width=\"150\" alt=\"Citi\u00ae \/ AAdvantage\u00ae Executive World Elite Mastercard\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi<sup>\u00ae<\/sup> \/ AAdvantage<sup>\u00ae<\/sup> Executive World Elite Mastercard<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 70,000 American Airlines AAdvantage<sup>\u00ae<\/sup> bonus miles after $7,000 in purchases in the first 3 months of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-how-apply\" data-ccid=\"3004054\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-CitiAAdvantageExecutiveWorldEliteMasterCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$595<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><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><\/div><\/div><\/div>\n<h3><span id=\"Hotel_cards\">Hotel cards<\/span><\/h3>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/10\/CardArt-HiltonHonorsAmericanExpressAspireCard-1.png\" width=\"150\" alt=\"Hilton Honors American Express Aspire Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Hilton Honors American Express Aspire Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within the first 6 months of Card Membership. Offer ends 7\/29\/26.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Hilton Honors American Express Aspire Card' data-ccid=\"4048211\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$550<span class=\"compare-terms\"><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><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>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<\/li>\r\n \t<li>7X Hilton Honors Bonus Points on flights booked directly with airlines or <a href=\"http:\/\/amextravel.com\" target=\"_blank\" rel=\"noopener\">amextravel.com<\/a>, car rentals booked directly through select rental companies, and at U.S. restaurants<\/li>\r\n         <li>3X Hilton Honors Bonus Points for all other eligible purchases on your Card<\/li><\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2022\/09\/CardArt-MarriottBonvoyBrilliantAmericanExpressCard.png\" width=\"150\" alt=\"Marriott Bonvoy Brilliant\u00ae American Express\u00ae Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Marriott Bonvoy Brilliant<sup>\u00ae<\/sup> American Express<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong> Earn 100,000 Marriott Bonvoy<sup>\u00ae<\/sup> bonus points after you use your new Card to make $6,000 in purchases within the first 6 months and an extra 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='Marriott Bonvoy Brilliant\u00ae American Express\u00ae Card' data-ccid=\"4048231\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-MarriottBonvoyBrilliantAmericanExpressCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$650<span class=\"compare-terms\"><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><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>6X points on purchases at Marriott Properties<\/li>\r\n<li>3X points at restaurants worldwide, including takeout and delivery<\/li>\r\n<li>3X points on  flights booked directly with airlines<\/li>\r\n<li>2X points on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<h3><span id=\"Business_cards\">Business cards<\/span><\/h3>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/CardArt-CapitalOneVentureXRewardsBusiness.png\" width=\"150\" alt=\"Capital One Venture X Business\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture X Business<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 Miles once you spend $30,000 in the first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"5048345\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture X Business' href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$395<\/p><\/div><div class=\"compare-rating compare-rating--6\"><strong>Credit Score<\/strong><p>Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Business 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 booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Business Travel<\/li>\r\n<li>2X miles per $1 on other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/42f36a84-370d-4140-94a9-87f97a0dde86.png\" width=\"150\" alt=\"Sapphire Reserve for Business\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Sapphire Reserve for Business\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Sapphire Reserve for Business\u2120' data-ccid=\"5048384\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$795<span class=\"compare-terms\"><a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=b2058ced3769f19113b3bf0ad1298189&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>8X points on all Chase Travel\u2120 purchases<\/li>\r\n<li>5X total points on eligible Lyft rides through 9\/30\/2027<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on advertising purchases made with social media platforms and search engines<\/li>\r\n<li>1 point per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/19ca7b53-f41c-4639-ba3b-c44c7c44ba6f.png\"  width=\"150\" alt=\"The Business Platinum Card\u00ae from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 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.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Business Platinum Card\u00ae from American Express' data-ccid=\"4028096\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/div><\/div><\/div>\n<h2><span id=\"Premium_Rewards_Credit_Cards_for_Earning_Flexible_Points\">Premium Rewards Credit Cards for Earning Flexible Points<\/span><\/h2>\n<p>All four cards on this list <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">earn transferable points<\/a>. What makes these points flexible is that they are not tied to a particular airline or hotel program. Instead, each card earns its own flexible currency that can be moved to a range of travel partners.<\/p>\n<p>Each of these cards also include lounge access, <a target=\"_blank\" href=\"\/credit-cards\/travel-insurance\/\" rel=\"noopener\">travel insurance<\/a> and purchase protections, annual <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<\/a> application fee credit.<\/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=0177fc8df01c6b803e6384c155fa15419&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=0177fc8df01c6b803e6384c155fa15419&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\">150,000 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><em>*The following Chase Sapphire Reserve benefits are offered through December 31, 2027\u00a0<\/em><\/p>\n<p>When comparing, check each card's <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/priority-pass-restaurants\/\" rel=\"noopener\">Priority Pass\u2122 membership<\/a> perk. Cardholders receive lounge access through Priority Pass but can\u2019t use their membership at participating restaurants or retail locations within the network.<\/p>\n<figure id=\"attachment_250345\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/449\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-250345 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-900x674.png\" alt=\"The interior of the American Express Centurion Lounge at Miami International Airport\" width=\"600\" height=\"449\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-900x674.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-750x562.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-768x575.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-276x207.png 276w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP-476x357.png 476w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/Amex-Centurion-Lounge-MIA-MPP.png 988w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Each premium card that earns flexible points includes lounge access, like The Platinum Card, which offers Centurion Lounge entry. Credit: Max Prosperi\/AwardWallet<\/em><\/enter><\/figure>\n<h2><span id=\"Premium_Rewards_Credit_Cards_Earning_Airline_Miles\">Premium Rewards Credit Cards Earning Airline Miles<\/span><\/h2>\n<p>Currently, only the three major legacy carriers (American, Delta, and United) offer a true top-tier premium rewards credit card. Other airlines have co-branded options, but they don\u2019t quite reach the same level.<\/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=a0ba10db9cd27b7b01faf15dd9257acf&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=a0ba10db9cd27b7b01faf15dd9257acf&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=a0ba10db9cd27b7b01faf15dd9257acf&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 80,000 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 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>A few other cards come close, including the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/jetblue-trueblue\/jetblue-premier-card\/\" rel=\"noopener\">JetBlue Premier Card<\/a> and the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/alaska-atmos-summit-card\/\" rel=\"noopener\">Alaska Airlines Atmos Summit card<\/a>. However, the cards above deliver a more complete set of premium benefits to justify their annual fees.<\/p>\n<p>Unlike transferable points cards, the rewards earned with co-branded airline credit cards are tied to a single program. You won\u2019t be able to transfer them elsewhere, so these cards make the most sense if you regularly fly that airline or its partners.<\/p>\n<p>For example, the  annual fee of   only makes sense if you use its American Airlines perks.<\/p>\n<figure id=\"attachment_250344\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/356\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-250344 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/American-Airlines-at-ORD-MPP-900x535.png\" alt=\"American Airlines aircraft parked at Terminal 3 Concourse K at Chicago-O'Hare International Airport with the Chicago skyline in the background\" width=\"600\" height=\"356\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/American-Airlines-at-ORD-MPP-900x535.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/American-Airlines-at-ORD-MPP-750x445.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/American-Airlines-at-ORD-MPP-768x456.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/American-Airlines-at-ORD-MPP.png 985w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>A premium airline rewards credit card usually only makes sense if you plan on traveling with a specific airline. Credit: Max Prosperi \/ AwardWallet<\/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>Of the major hotel programs, only Hilton and Marriott offer premium rewards credit cards.<\/p>\n<ul>\n<li><strong>Hilton<\/strong>: <a data-ccid=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" target=_blank rel=\"noopener nofollow sponsored\">Hilton Aspire<\/a><\/li>\n<li><strong>Marriott<\/strong>: <a data-ccid=\"4048231\" href=\"\/blog\/link\/CR-MarriottBonvoyBrilliantAmericanExpressCard\" rel=\"noopener nofollow sponsored\">Marriott Bonvoy Brilliant Card<\/a><\/li>\n<\/ul>\n<p>Like premium airline cards, these hotel cards only make sense if you regularly stay with these brands. If you\u2019re not loyal to a specific program, a flexible rewards card is likely a better fit.<\/p>\n<p>\n<table id=\"tablepress-1227\" class=\"tablepress tablepress-id-1227 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=\"4048211\" href=\"\/blog\/link\/CR-HiltonHonorsAmericanExpressAspire\" rel=\"noopener nofollow sponsored\">Hilton Honors American Express Aspire Card<\/a><br \/>\n(<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>)<\/th><th class=\"column-3\"><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><br \/>\n (<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>)<\/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\">$550<\/td><td class=\"column-3\">$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 (<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-3\">$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\">Earn 175,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Card within the first 6 months of Card Membership. Offer ends 7\/29\/26.<\/td><td class=\"column-3\">Earn 100,000 Marriott Bonvoy<sup>\u00ae<\/sup> bonus points after you use your new Card to make $6,000 in purchases within the first 6 months and an extra 50,000 bonus points after you make an additional $2,000 in purchases within the first 6 months.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><b>Category Bonus<\/b><\/td><td class=\"column-2\"><ul><li>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<\/li>\r\n \t<li>7X Hilton Honors Bonus Points on flights booked directly with airlines or <a data-ccid=\"4048211\" href=\"http:\/\/amextravel.com\" target=\"_blank\" rel=\"noopener\">amextravel.com<\/a>, car rentals booked directly through select rental companies, and at U.S. restaurants<\/li>\r\n         <li>3X Hilton Honors Bonus Points for all other eligible purchases on your Card<\/li><\/ul><\/td><td class=\"column-3\"><ul>\r\n<li>6X points on purchases at Marriott Properties<\/li>\r\n<li>3X points at restaurants worldwide, including takeout and delivery<\/li>\r\n<li>3X points on  flights booked directly with airlines<\/li>\r\n<li>2X points on all other eligible purchases<\/li>\r\n<\/ul><\/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 reward on your account anniversary, valid at nearly any property (on a standard room)<br \/>\n<\/td><td class=\"column-3\">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\">N\/A<\/td><td class=\"column-3\">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 Hilton Honors\u2122 Diamond Status<br \/>\n\u2022 National Car Rental Emerald Club Executive Status<\/td><td class=\"column-3\">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 $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-3\">$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\">N\/A<\/td><td class=\"column-3\">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<br \/>\n\u2022 2 claims per 12-month period<\/td><td class=\"column-3\">\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 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-3\">\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_250346\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/429\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-250346 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/westin-maldives-miriandhoo-resort-900x643.png\" alt=\"A villa with private pool at the Westin Miriandhoo Resort in the Maldives\" width=\"600\" height=\"429\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/westin-maldives-miriandhoo-resort-900x643.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/westin-maldives-miriandhoo-resort-750x536.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/westin-maldives-miriandhoo-resort-768x549.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/westin-maldives-miriandhoo-resort.png 994w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Premium hotel rewards credit cards offer cardholders benefits like elite status and opportunities to earn free nights. Credit: Marriott \/ Westin Miriandhoo<\/em><\/enter><\/figure>\n<h2><span id=\"Premium_Business_Rewards_Credit_Cards\">Premium Business Rewards Credit Cards<\/span><\/h2>\n<p>For business owners looking to level up their rewards strategy, a handful of premium business rewards credit cards are worth a look. The cards in our list below earn flexible or transferable points currencies.<\/p>\n<p>\n<table id=\"tablepress-1226\" class=\"tablepress tablepress-id-1226 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=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a><br \/>\n (<a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-3\"><a data-ccid=\"5048384\" href=\"\/blog\/link\/ChaseSapphireReserveBusiness\" rel=\"noopener nofollow sponsored\">Sapphire Reserve for Business\u2120<\/a><br \/>\n (<a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=b2058ced3769f19113b3bf0ad1298189&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/th><th class=\"column-4\"><a data-ccid=\"5048345\" href=\"\/blog\/link\/CR-CapitalOneVentureXRewardsBusiness\" rel=\"noopener nofollow sponsored\">Capital One Venture X Business<\/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  (<a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-3\">$795<br \/>\n (<a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=b2058ced3769f19113b3bf0ad1298189&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\">$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\">$350  (<a data-ccid=\"4028096\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/business-platinum-charge-card\/42732-AJTnC-0?rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-3\">$195<br \/>\n (<a data-ccid=\"5048384\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1833067.10005328&type=3&u1=b2058ced3769f19113b3bf0ad1298189&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/td><td class=\"column-4\"><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\">Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $20,000 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.<\/td><td class=\"column-3\">150,000 Ultimate Rewards points<\/td><td class=\"column-4\">150,000 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 pre-selected, preferred airline)<br \/>\n\u2022 $600 pre-paid hotel credit - up to $300 semi-annually. (The Hotel Collection requires a minimum two-night stay)<br \/>\n\u2022 Up to $200 Hilton credit annually<\/td><td class=\"column-3\">$300 Travel credit<\/td><td class=\"column-4\">$300 annual travel credit for bookings made with Capital One Business Travel<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\"><b>Business Credits<\/b><\/td><td class=\"column-2\">\u2022 $1,150 Dell Technologies ($150 + $1,000 after $5K spend)<br \/>\n\u2022 $360 Indeed credits annually<br \/>\n\u2022 $250 Adobe annual credits (after $600 spend)<\/td><td class=\"column-3\">\u2022 $400 ZipRecruiter credit annually<br \/>\n\u2022 $200 Google Workspace credit annually<\/td><td class=\"column-4\">N\/A<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\"><b>Category Bonus<\/b><\/td><td class=\"column-2\"><ul><li>Earn 5X points on flights and prepaid hotels on AmexTravel.com.<\/li>\r\n<li>Earn 2X points on each eligible purchase of $5,000 or more.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. construction material and hardware suppliers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. electronic goods retailers and software & cloud system providers.<\/li>\r\n<li>Earn 2X points on each eligible purchase with U.S. shipping providers.<\/li>\r\n<li>2X earning rates are subject to a cap of $2 million in purchases per calendar year.<\/li><\/ul><\/td><td class=\"column-3\"><ul>\r\n<li>8X points on all Chase Travel\u2120 purchases<\/li>\r\n<li>5X total points on eligible Lyft rides through 9\/30\/2027<\/li>\r\n<li>4x points on flights and hotels booked directly<\/li>\r\n<li>3x points on advertising purchases made with social media platforms and search engines<\/li>\r\n<li>1 point per dollar on all other eligible purchases<\/li>\r\n<\/ul><\/td><td class=\"column-4\"><ul>\r\n<li>10X miles per $1 on hotels and rental cars booked via Capital One Business 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 booked via Capital One Business Travel<\/li>\r\n<li>5X miles per $1 on vacation rentals booked via Capital One Business Travel<\/li>\r\n<li>2X miles per $1 on other eligible purchases<\/li>\r\n<\/ul><\/td>\n<\/tr>\n<tr class=\"row-8 even\">\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\">Guests cost $35 each for primary cardholder<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\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 Capital One Lounges<br \/>\n\u2022 Capital One Landing lounges<\/td>\n<\/tr>\n<tr class=\"row-10 even\">\n\t<td class=\"column-1\"><b>Elite Status<\/b><\/td><td class=\"column-2\">\u2022 Hilton Honors & Marriott Bonvoy 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) - primary cardholder only<\/td><td class=\"column-4\">\u2022 Hertz Gold Plus Rewards<sup>\u00ae<\/sup> President's Circle<\/td>\n<\/tr>\n<tr class=\"row-11 odd\">\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-12 even\">\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>\n<\/tr>\n<tr class=\"row-13 odd\">\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>\n<\/tr>\n<tr class=\"row-14 even\">\n\t<td class=\"column-1\"><b>Auto Rental CDW<\/b><\/td><td class=\"column-2\">Secondary up to $75K<\/td><td class=\"column-3\">Primary up to $75K<\/td><td class=\"column-4\">Primary up to $75k<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n<p><em>Enrollment is required for select Amex benefits.<\/em><\/p>\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 a significant investment and are not for everyone. When deciding if you should apply for a premium card, consider the following:<\/p>\n<h3><span id=\"Is_the_Annual_Fee_Worth_It\">Is the Annual Fee Worth It?<\/span><\/h3>\n<p>First and foremost, it's important to consider the annual fees that come with all cards featured in this post. While a card's benefits often help to make up for the cost of the card, this won't be the case for everyone. If the idea of spending hundreds per year on a card fee makes you feel uneasy, premium cards may not be a good fit.<\/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_card8217s_benefits\">Can I maximize the card's benefits?<\/span><\/h3>\n<p>When considering this question, be realistic. Lounge access sounds great, but how often will you actually use it? If it\u2019s only a few times a year, you\u2019re likely better off buying a day pass.<\/p>\n<p>Other questions that you should ask yourself include:<\/p>\n<ul>\n<li>Am I willing to be loyal to one particular brand, such as Marriott or American Airlines?<\/li>\n<li>Do I value flexibility more than elevated benefits?<\/li>\n<li>Would I benefit more from increased bonus category earning rates compared to luxe benefits?<\/li>\n<\/ul>\n<p>Remember, a benefit you won\u2019t use doesn\u2019t deliver any real value, no matter how appealing it looks 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 they carry high annual fees, they also have higher 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><br \/>\n<\/strong><\/p>\n<figure id=\"attachment_250347\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/430\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-250347 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/contactless-payment-with-credit-card-900x645.png\" alt=\"A person using an unbranded contactless credit card\" width=\"600\" height=\"430\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/contactless-payment-with-credit-card-900x645.png 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/contactless-payment-with-credit-card-750x537.png 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/contactless-payment-with-credit-card-768x550.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/03\/contactless-payment-with-credit-card.png 995w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Determining if a premium rewards credit card will make sense comes down to whether or not you're able to get value that meets or exceeds a card's hefty annual fee. Credit: Sumup \/ Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>Premium travel rewards cards have never been more expensive \u2014 or more packed with benefits. Whether one is worth it comes down to a simple question: will you actually use enough of those perks to justify the fee?<\/p>\n<p>Some cards earn flexible, transferable points, while others tie you to a specific airline or hotel. The right choice depends on your travel habits and loyalty.<\/p>\n<p>Before applying, think about how you\u2019ll use the benefits. If the value outweighs the annual fee, you may have a winner.<\/p>\n<p><em>If you have any questions about the cards or benefits listed, let us know in the comments below.<\/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-plua per year for a card that&#8217;s probably going to earn fewer points per dollar than some low or no-annual-fee cards? To understand why these cards are worth their annual fees, we need to take a closer look a each card&#8217;s benefits.<\/p>\n","protected":false},"author":86,"featured_media":251172,"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":"default","_google_business_share_type":"default","_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":[36466,36401],"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":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18035","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=18035"}],"version-history":[{"count":78,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18035\/revisions"}],"predecessor-version":[{"id":258174,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/18035\/revisions\/258174"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/251172"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=18035"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=18035"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=18035"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=18035"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}