Best High End Credit Cards – Expert Recommendations

The American Express Platinum card is my favorite premium credit card for a multitude of reasons. This card requires an annual fee of $550 but many of the perks outweigh this cost. You’ll receive $200 in credits from Uber that you can use on rides or food delivery. You’ll also receive a $100 Saks Fifth Avenue credit each year to shop with. Along with many other benefits – this is one of the best high-end credit cards on the market today.

For travelers, it’s hard to beat the perks that this card offers. You gain access to Delta Sky Club and American Express Centurion Lounges each year you have the card. One of the best perks is that you get one free companion fare each year, and if you purchase a first-class ticket, the companion fare will cover another first-class ticket. Other benefits that come with the SkyMiles Reserve card and its $550 annual fee include your first bag checked free on every Delta flight and a credit for the application fee for TSA PreCheck. With the many other perks and rewards, it’s easy to see why this is one of the best high-end credit cards available.

The Sapphire Reserve earns 3X points per dollar on travel and dining, one of the highest rates in the industry. You can transfer your points to a wide selection of airline and hotel partners, where you can get more out of them. The card also comes with a Priority Pass Select membership, various perks to enhance your trips, and a $300 travel credit that’ll reduce your annual fee to $250.

If you want a card that screams elite and comes with plenty of luxury perks, then Mastercard® Black Card™ is for you. With it, you can enjoy personal chauffeurs, invitation-only and grand experiences, hotel and airline credits, and VIP lounge access. It also offers a higher than 2% rate rewards and an annual $100 airline credit.

If you’re a business owner and are in need of a credit card for your company, the best high end credit card for you is the American Express® Gold Card. The card will let you choose 2 areas where you spend most for your organization and you’ll get 4x Membership Rewards® points on those areas. It’s a great option if you spend a lot in one or two areas. The card also offers expense management tools such as a detailed end-of-year account summary.