The best premium credit cards: A side-by-side comparison

• 5 points per dollar spent on airfare purchases booked through the airline or through American Express Travel® (on up to $500,000 of these purchases per calendar year, then 1 point per dollar)
• 5 points per dollar spent on prepaid hotels booked through Amex Travel
• 1 point per dollar spent on other eligible purchases

$125 for up to four authorized users for them to receive lounge access (after Feb. 1, 2026)

• 10 miles per dollar spent on hotels and car rentals booked through Capital One's travel booking site
• 5 miles per dollar spent on flights and vacation rentals booked through Capital One's travel booking site
• 2 miles per dollar spent on other eligible purchases

• 10 points per dollar spent on Peloton equipment and accessory purchases of $150 or more, with a maximum of 50,000 points (through Dec. 31, 2027)
• 8 points per dollar spent on purchases made through Chase Travel℠, including The Edit℠
• 5 points per dollar spent on Lyft rides (through Sept. 30, 2027)
• 4 points per dollar spent on flights and hotels booked direct
• 3 points per dollar spent on dining worldwide
• 1 point per dollar spent on everything else

Purchases that qualify for the $300 annual travel credit will not earn points.

• 10 miles per dollar spent on eligible hotels booked through aa.com/hotels and eligible car rentals booked through aa.com/cars
• 4 miles per dollar spent on eligible American Airlines purchases
• 1 mile per dollar spent on all other purchases

• 12 points per dollar spent on hotels, car rentals and attractions booked through Citi Travel
• 6 points per dollar spent on air travel booked through Citi Travel
• 6 points per dollar spent at restaurants, including restaurant delivery services, on CitiNights℠ purchases, every Friday and Saturday from 6 p.m. to 6 a.m. ET. Earn 3 points per dollar spent on dining any other time.
• 1.5 points per dollar spent on all other purchases

• 3 miles per dollar spent on eligible Delta purchases
• 1 mile per dollar spent on other eligible purchases

• 14 points per dollar spent at Hilton portfolio properties worldwide
• 7 points per dollar spent on flights booked directly with the airline or through Amex Travel
• 7 points per dollar spent on car rentals booked directly from select car rental companies
• 7 points per dollar spent at U.S. restaurants (including takeout and delivery)
• 3 points per dollar spent on other eligible purchases

• 6 points per dollar spent on eligible purchases at hotels participating in the Marriott Bonvoy program
• 3 points per dollar spent at restaurants worldwide and airfare purchased directly with the airline
• 2 points per dollar spent on other eligible purchases

• 5 miles per dollar spent when you book direct with Renowned Hotels and Resorts for United® Cardmembers
• 4 miles per dollar spent on United purchases
• 2 miles per dollar spent on all other travel and dining purchases (including eligible delivery services)
• 1 mile per dollar spent on other purchases

You can also offset some purchases through Chase's Pay Yourself Back or transfer them to one of 11 airlines and 3 hotel partners.

• Up to $600 in prepaid hotel statement credits per calendar year (up to $300 semi-annually)
• Up to $400 Resy statement credit per calendar year (allotted up to $100 quarterly) when you pay with your card at participating U.S. Resy restaurants
• Up to $300 per calendar year in Equinox statement credits
• Up to $300 per calendar year in Lululemon statement credits at U.S. Lululemon retail stores (excluding outlets) and lululemon.com (allotted up to $75 quarterly)
• Up to $300 per calendar year (allotted up to $25 monthly) in digital entertainment statement credits
• Up to $209 per calendar year Clear Plus membership statement credit
• Up to $200 per calendar year in airline fee statement credits
• Up to $200 per calendar year (allotted up to $15 monthly, plus an up to $20 bonus in December) in Uber Cash (valid on U.S. purchases; add your Amex Platinum to your Uber account and redeem with any Amex card)
• Up to $200 per calendar year in statement credits toward Oura Ring purchases (hardware only)
• Up to $155 per calendar year (allotted up to $12.95 monthly) in statement credits for one Walmart+ membership (Plus Ups are excluded)
• $120 Global Entry or up to $85 TSA PreCheck application fee statement credit (once every four years for Global Entry or every 4½ years for TSA PreCheck)
• Up to $120 per calendar year toward an annual Uber One membership
• Up to $100 per calendar year (allotted up to $50 semi-annually) in Saks Fifth Avenue statement credits
• Hilton Honors Gold status, Marriott Bonvoy Gold status and Leaders Club Sterling Status from The Leading Hotels of the World

Enrollment is required for select benefits; terms apply.
Select benefits are subject to auto-renewal.

• $300 annual credit for bookings made through Capital One's travel booking site
• Up to $120 Global Entry or TSA PreCheck application fee statement credit (once every four years)
• Hertz President's Circle status**
• 10,000 bonus miles on every account anniversary

• Up to $500 annual The Edit credit (allotted $250 biannually until Jan. 1, 2026) to use on bookings (minimum two-night stay required).
• Up to $300 annual flexible travel credit
• Up to $300 annual StubHub and Viagogo credit (allotted $150 biannually) through Dec. 31, 2027; activation required
• Up to $300 annual dining credit at OpenTable
• Up to $300 annual value with DoorDash: Cardholders receive up to $25 in monthly promos with two $10 non-restaurant promos and one $5 restaurant promo and a complimentary DashPass membership for at least one year worth $120 (Must activate by Dec. 31, 2027)
• Up to $250 annually in complimentary Apple TV+ and Apple Music subscriptions: (One-time activation per service through chase.com or Chase Mobile app required; subscriptions run through June 22, 2027)
  Up to $120 annual in-app Lyft credits: Cardholders receive up to $10 each month; the credit does not apply to Wait & Save, bike or scooter rides. (Through Sept. 30, 2027)
• Up to $120 Peloton credit ($10 in statement credits per month): Through Dec. 31, 2027; activation required.
• Up to $120 Global Entry, TSA PreCheck or Nexus application fee statement credit (once every four years)

• Up to $120 in Lyft credits; after taking three eligible rides in a calendar month, you will earn a $10 Lyft credit, for a total of up to $120 Lyft credits annually
• Up to $120 back on Grubhub purchases as a statement credit of up to $10 per monthly billing statement on eligible Grubhub purchases, for a total of up to $120 for every 12 billing statements
• Up to $120 back in statement credits per calendar year on Avis or Budget car rentals as a statement credit on eligible prepaid Avis or Budget car rentals booked directly
• Up to $120 Global Entry or TSA PreCheck application fee statement credit (once every 4 years)
• Free checked bag on domestic flights and 25% off on inflight food and beverage purchases

• Up to $300 annually on prepaid hotel stays booked with Citi Travel
• Up to $200 annually in Splurge credits (choice of two of the following brands: 1stDibs (selling luxury art, furniture and jewelry), American Airlines, Best Buy, Future Personal Training, Live Nation (exclusions may apply to select brands)
• Up to $200 annually for Blacklane private chauffeur service (split into $100 biannually)
• $120 Global Entry or up to $85 TSA PreCheck application fee statement credit (once every four years for Global Entry or every 4½ years for TSA PreCheck)

• Up to $240 Resy statement credit per calendar year (allotted up to $20 monthly) when you pay with your card at participating U.S. Resy restaurants
• Up to $200 Delta Stays statement credit per calendar year (Delta's hotel booking platform)
• Up to $120 ride-hailing statement credit per calendar year (allotted up to $10 monthly) when you use your card at select ride-hailing providers in the U.S.
• $120 Global Entry or up to $85 TSA PreCheck application fee statement credit (once every four years for Global Entry or every 4½ years for TSA PreCheck)
• Free checked bag
• Upgrade priority and being placed on the complimentary upgrade list
• 20% off on inflight purchases
• TakeOff15 (a 15% discount on Delta award flight redemptions)
• Hertz President's Circle status (enrollment in the Hertz Gold Plus Rewards program is required)
• Annual companion certificate

Enrollment is required for select benefits; terms apply.

• Up to $400 Hilton resort statement credit per calendar year (allotted up to $200 semi-annually)
• Up to $200 flight statement credit per calendar year (allotted up to $50 quarterly)
• Up to $209 Clear Plus membership statement credit per calendar year (subject to auto-renewal)
• Up to $100 in on-property credit for two-night Waldorf Astoria or Conrad stays
• Free night certificate upon account opening and a free night certificate on each cardmember anniversary
• Hilton Honors Diamond status
• National Car Rental Emerald Club Executive status

Enrollment is required for select benefits; terms apply.

• Up to $300 in statement credits for eligible purchases at restaurants worldwide per calendar year (allotted up to $25 per month)
• Up to $100 in on-property credit for paid stays of two nights or more at St. Regis or Ritz-Carlton properties
• $120 Global Entry or up to $85 TSA PreCheck application fee statement credit (once every four years for Global Entry or every 4½ years for TSA PreCheck)
• Marriott Bonvoy® Platinum Elite status
• An up to 85,000-point free night certificate on each cardmember anniversary (certain hotels have resort fees)
• 25 elite night credits every year
• An annual earned choice benefit if you spend $60,000 or more on your card

Enrollment is required for select benefits; terms apply.

• Up to $120 Global Entry, TSA PreCheck or Nexus application fee statement credit (once every four years)
• Free first and second checked bags for you and one travel companion
• 25% back on inflight United purchases and premium drink purchases in the United Club
• Access to Premier Access airport services when available
• Complimentary upgrades on award tickets
• IHG One Platinum elite status
• Avis President's Club elite status

• Centurion Lounges
• Priority Pass™ Select (does not include restaurants)
• Delta Sky Clubs when flying Delta or a Delta-marketed flight operated by WestJet
  • Eligible cardmembers will receive 10 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year, cardmembers must spend $75,000 or more in a year. Basic economy tickets are not eligible for entry.
• Aspire and Escape Lounges
• Plaza Premium lounges
• Select Lufthansa lounges
• Other Global Lounge Collection partner lounges as an eligible cardmember

Enrollment is required for select benefits; terms apply.

• Capital One Lounges (6 locations: 5 Lounges and 1 Landing)
• Priority Pass Select (does not include restaurants)
• Starting Feb. 1, 2026, guest access for Capital One lounges will cost $45 per adult guest, $25 for children 17 and under and free for children under two and $35 per guest for Priority Pass lounges. However, you can unlock unlimited guest access for Capital One Lounges by spending $75,000 or more on your card. Regardless of spending, guest access at Priority Pass lounges will not be free.

• Chase Sapphire Lounge by The Club (8 locations)
• Priority Pass Select (does not include restaurants)

• Full Admirals Club membership with access to Alaska Airlines lounges and over 50 partner lounges
  • Must have a same-day boarding pass for an eligible flight
• Pro tip: You can add up to three authorized users for $175, who each will receive Admirals Club access
  • Must have a same-day boarding pass for an eligible flight

• Four Admirals Club Citi Strata Elite passes each calendar year
• Priority Pass lounge access

• 15 Sky Club visits when traveling on Delta-coded or Delta-operated flights
  • To earn an unlimited number of visits each year, cardmembers must spend $75,000 or more in a year. Basic economy tickets are not eligible for entry.
  • Authorized users get their own 15-visit Sky Club allotment.
• Cardholders receive four one-time Sky Club guest passes each year
• Access to Amex Centurion Lounges and Escape Lounges when you book a same-day Delta-operated or -marketed flight with your Reserve card

Enrollment is required for select benefits; terms apply.

• Priority Pass Select (does not include restaurants)

Enrollment is required; terms apply.

• United Club membership
  • Earn a United Club All Access Membership after spending $50,000 in a calendar year or by earning Premier Gold elite status