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

Find out your offer and see if you are eligible for as high as 175,000 bonus points after spending $8,000 on purchases within the first six months of card membership. Welcome offers vary, and you may not be eligible for an offer.

Up to $3,500

• 5 points per dollar spent on airfare purchases booked through the airline or 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

$395

$0 for up to four authorized users

$125 for up to four authorized users for them to receive lounge access

Earn 75,000 bonus miles after spending $4,000 on purchases in the first three months from account opening.

$1,388

• 10 miles per dollar spent on hotels and car rentals booked through Capital One Travel
• 5 miles per dollar spent on flights and vacation rentals booked through Capital One Travel
• 2 miles per dollar spent on other eligible purchases

$795

$195 for each additional cardholder

Earn 125,000 bonus points after spending $6,000 on purchases in the first three months from account opening.

 $2,563

• 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 directly
• 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.

$595

$175 annual fee for the first three authorized users; $175 for each authorized user after that

For a limited time, earn 100,000 bonus miles after spending $10,000 on purchases in the first three months from account opening.

$1,700

• 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

$595

$75 per additional cardholder

Earn 75,000 bonus points after spending $6,000 on purchases in the first three months from account opening.

$1,425

• 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. Eastern time; earn 3 points per dollar spent on dining any other time
• 1.5 points per dollar spent on all other purchases

Earn up to 125,000 bonus miles after meeting two spending thresholds:

• Earn 100,000 bonus miles after spending $6,000 on purchases in the first six months of card membership.
• Plus, earn 25,000 bonus miles after spending an additional $3,000 on purchases (for a total of $9,000) in the first six months of card membership.
• This offer ends April 1.

Up to $1,563

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

Earn 150,000 bonus points after spending $6,000 on purchases in the first six months of card membership.

$750

• 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

Earn 100,000 bonus points after spending $6,000 on purchases within the first six months of card membership.

$700

• 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 on airfare purchased directly with the airline
• 2 points per dollar spent on other eligible purchases

$695

$0 for each additional cardholder

Earn 90,000 bonus miles after spending $5,000 on purchases in the first three months from account opening.

$1,350

• 5 miles per dollar spent when you book directly 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 redeem points to book travel directly through Chase Travel; with the Points Boost perk, your points can be worth up to 2 cents apiece, depending on the specific redemption (see your rewards program agreement for full details).

You can also offset some purchases through Chase's Pay Yourself Back feature or transfer them to one of 10 airline and three hotel partners.

You can redeem miles for flights on American Airlines and its various Oneworld alliance partners and nonalliance partners like Etihad Airways, as well as upgrades, hotels, rental cars, experiences and Admirals Club passes.

You can redeem miles for flights on Delta and its various SkyTeam or nonalliance partners like WestJet, as well as seat upgrades, Delta Vacations packages, Delta Stays, car rentals, SkyMiles experiences and magazines.

You can redeem points for hotel stays in the Marriott Bonvoy program or transfer to an airline partner.

You can redeem miles for flights on United and its various Star Alliance partners.

• Up to $600 in prepaid hotel statement credits per calendar year (up to $300 semiannually)
• 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 in 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 4 1/2 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 semiannually) in Saks Fifth Avenue statement credits
• Hilton Honors Gold status, Marriott Bonvoy Gold Elite status and Leaders Club Sterling status from The Leading Hotels of the World

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

• $300 annual credit for bookings made through Capital One Travel
• 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 in annual statement credits (given as two, $250 statement credits) for The Edit hotels 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 nonrestaurant promos and one $5 restaurant promo, plus a complimentary DashPass membership for at least one year (must activate by Dec. 31, 2027)
• Up to $288 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 (allotted up to $10 monthly; through Sept. 30, 2027); credit does not apply to Wait & Save, bike or scooter rides
• Up to $120 Peloton credit ($10 monthly; 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 four years)
• Free checked bag on domestic flights and 25% off of inflight food-and-beverage purchases

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

• 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 4 1/2 years for TSA PreCheck)
• Free checked bag
• Upgrade priority and being placed on the complimentary upgrade list
• 20% off of inflight purchases (in the form of a statement credit)
• 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.

• Up to $400 Hilton resort statement credit per calendar year (allotted up to $200 biannually)
• Up to $200 flight statement credit per calendar year (allotted up to $50 quarterly) for flights booked directly or through amextravel.com
• 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.

• 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 Rewards Platinum Elite status
• Avis President's Club elite status (enrollment required)

• 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.

• 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
• Can add up to three authorized users for $175, and $175 for each authorized user after that; 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

None

• Priority Pass Select (does not include restaurants)

Enrollment is required.

• 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