Best Premium Cards
Elite benefits and luxury perks. Here are our top picks for 2026.
OUR TOP PICK
American Express
Hilton Honors American Express Aspire Card
ANNUAL FEE
$550
APR
22.49%-30.49% variable
WELCOME BONUS
175,000 Hilton Honors bonus points after $6,000 in purchases in 3 months
REWARDS
14X Hilton, 7X restaurants/flights/car rental, 3X everything else
WHY WE LOVE IT
- Automatic Diamond status without needing to qualify through stays
- 14X earning rate at Hilton properties is the highest available
- $400 Hilton resort credit offsets a large portion of the annual fee
- Free night certificate worth up to 150,000 points covers luxury properties
- $250 airline fee credit adds further value for frequent flyers
- Priority Pass Select lounge access included
- 7X on flights and restaurants is strong for travel and dining spending
- 175,000-point welcome bonus is one of the largest hotel card bonuses
- No foreign transaction fees for international Hilton stays
- Executive lounge access at Hilton properties worldwide
MORE GREAT OPTIONS
American Express
Marriott Bonvoy Brilliant American Express Card
Annual Fee:$650
Welcome Bonus:150,000 Marriott Bonvoy bonus points...
REWARDS
6X Marriott, 3X flights/dining, 2X everything else
American Express
The Platinum Card® from American Express
Annual Fee:$695
Welcome Bonus:150,000 Membership Rewards points after...
REWARDS
5X on flights and prepaid hotels via Amex Travel, 1X on everything else
Bank Of America
Bank of America® Premium Rewards® Elite
Annual Fee:$550
Welcome Bonus:75,000 bonus points after $5,000...
REWARDS
Unlimited 2 points per $1 on all purchases
Capital One
Capital One Venture X Rewards
Annual Fee:$395
Welcome Bonus:75,000 bonus miles after spending...
REWARDS
10X miles on hotels and rental cars via Capital One Travel, 5X miles on flights via Capital One Travel, 2X miles on everything else
Chase
Chase Sapphire Reserve®
Annual Fee:$550
Welcome Bonus:75,000 bonus points after spending...
REWARDS
10X Chase Travel hotels, 5X flights, 3X dining, 1X everything else
Chase
United Club℠ Infinite Card
Annual Fee:$695
Welcome Bonus:100,000 bonus miles after $5,000...
REWARDS
4X on United, 2X on everything else
Citi
Citi Strata Elite℠ Card
Annual Fee:$595
Welcome Bonus:75,000 ThankYou points after spending...
REWARDS
12X on hotels and car rentals via CitiTravel; 6X on flights via CitiTravel; 6X at restaurants; 1.5X on everything else
Us Bank
U.S. Bank Altitude® Reserve Visa Infinite®
Annual Fee:$400
Welcome Bonus:Earn 50,000 bonus points after...
REWARDS
5X points on prepaid hotels and car rentals booked through the Altitude Rewards Center, 3X on travel, dining, and mobile wallet purchases, 1X on everything else
Bank Of America
Bank of America Premium Rewards Credit Card
Annual Fee:$95
Welcome Bonus:60,000 points ($600 value) after...
REWARDS
2X points on travel/dining, 1.5X on everything else
What to Consider
How do I choose the right premium cards card?▼
Consider your spending habits, credit score, and financial goals. Look at the rewards structure, annual fees, and additional benefits to find the best match for your needs.
What credit score do I need?▼
Most premium cards cards require good to excellent credit (670+). However, some cards are available for those building or rebuilding credit. Check each card's requirements before applying.
Are annual fees worth it?▼
It depends on how you use the card. Cards with annual fees often offer higher rewards rates and premium benefits. Calculate if the rewards and perks you'll use outweigh the fee.
Ready to Apply?
Compare all premium cards cards or explore other categories to find your perfect match.