Premium ($400+) — 15 cards

Delta SkyMiles® Reserve American Express Card

from American Express
American Express
Delta SkyMiles® Reserve American Express Card
$650/yrAmex

WELCOME OFFER

100,000 SkyMiles after spending $6,000 in the first 6 months, plus 25,000 more miles after an additional $3,000 in spend within 6 months ($9,000 total spend for 125,000 miles). Limited-time elevated offer officially listed through 2026-07-15 — re-verify. Annual fee not waived the first year. Additional cards: $175 annual fee each.as of 2026-07-10
ANNUAL FEE
$650
FOREIGN TX FEE
None
REWARDS
Delta SkyMiles

EARNING RATES

  • •3x SkyMiles — Delta purchases (made directly with Delta)
  • •1x SkyMiles — all other eligible purchases
  • $240/year Resy credit — $20 per month; enrollment required
  • $120/year rideshare credit — $10 per month; enrollment required
  • Up to $200/year Delta Stays credit
  • Global Entry ($120) or TSA PreCheck ($85) application fee credit — once every 4 years

Delta SkyMiles® Reserve Business American Express Card

from American Express
American ExpressBusiness
Delta SkyMiles® Reserve Business American Express Card
$650/yrAmex

WELCOME OFFER

125,000 SkyMiles after spending $15,000 in the first 6 months. Limited-time elevated offer officially listed through 2026-07-15 — re-verify. Annual fee not waived the first year.as of 2026-07-10
ANNUAL FEE
$650
FOREIGN TX FEE
None
REWARDS
Delta SkyMiles

EARNING RATES

  • •3x SkyMiles — Delta purchases (made directly with Delta)
  • •1.5x SkyMiles — transit (rideshare/taxis), U.S. shipping providers, and U.S. office supply stores
  • •1.5x SkyMiles — all remaining purchases for the rest of the calendar year after spending $150,000 (does not stack with other rates; the higher rate applies)
  • •1x SkyMiles — all other eligible purchases
  • $240/year Resy credit — $20 per month; enrollment required
  • $120/year rideshare credit — $10 per month; enrollment required
  • Up to $250/year Delta Stays credit
  • Global Entry ($120) or TSA PreCheck ($85) application fee credit — once every 4 years

Hilton Honors American Express Aspire Card

from American Express
American Express
Hilton Honors American Express Aspire Card
$550/yrAmex

WELCOME OFFER

175,000 Hilton Honors Bonus Points after spending $6,000 in the first 6 months. Offer officially listed through 2026-07-29. Annual fee not waived the first year.as of 2026-07-10
ANNUAL FEE
$550
FOREIGN TX FEE
None
REWARDS
Hilton Honors

EARNING RATES

  • •14x Hilton points — purchases made directly with hotels and resorts in the Hilton portfolio
  • •7x Hilton points — flights booked directly with airlines or amextravel.com, car rentals booked directly from select companies, and U.S. restaurants
  • •3x Hilton points — all other eligible purchases
  • Up to $400/year Hilton resort credit — $200 semi-annually, on purchases made directly at participating Hilton Resorts
  • Up to $200/year flight credit — $50 per quarter, on flights booked directly with airlines or through the Amex Travel website or app
  • $219/year CLEAR Plus credit — enrollment required (price rose to $219 effective 2026-07-01; previously $209)
  • Free Night Reward — 1 night issued automatically each cardmember year, no point cap on the room rate (including Waldorf Astoria and Conrad); a second after $30,000 in purchases in a calendar year and a third after $60,000 (up to 3 nights/year in high-spend years)
  • Waldorf Astoria / Conrad on-property credit — up to $100, 2-night minimum stay required

Marriott Bonvoy Brilliant® American Express® Card

from American Express
American Express
Marriott Bonvoy Brilliant® American Express® Card
$650/yrAmex

WELCOME OFFER

Up to 150,000 Bonvoy points — 100,000 points after spending $6,000 in the first 6 months, plus 50,000 more after total purchases reach $8,000 within 6 months (150,000 total / $8,000). This offer includes no additional statement credit. No exact end date found in sources, but the previous higher 200,000-point offer ended 2026-05-13, so 150,000 is the current live offer. Annual fee not waived the first year.as of 2026-07-10
ANNUAL FEE
$650
FOREIGN TX FEE
None
REWARDS
Marriott Bonvoy

EARNING RATES

  • •6x Bonvoy points — hotels participating in Marriott Bonvoy
  • •3x Bonvoy points — restaurants worldwide and flights booked directly with airlines
  • •2x Bonvoy points — all other eligible purchases
  • $300/year dining credit — $25 per month at restaurants worldwide (not limited to restaurants in Marriott hotels)
  • Free Night Award — 1 per cardmember year (issued after your Card renewal month), redemption level up to 85,000 Bonvoy points
  • Earned Choice Award — after $60,000 in purchases in a calendar year, choose one of three: 5 Nightly Upgrade Awards / $750 in statement credits / a Free Night Award worth up to 85,000 points
  • Global Entry (up to $120) or TSA PreCheck (up to $85) application fee credit — once every 4 years

The Business Platinum Card® from American Express

from American Express
American ExpressBusiness
The Business Platinum Card® from American Express
$895/yrAmex

WELCOME OFFER

As high as 300,000 MR points after spending $20,000 in the first 3 months (DoC reported on 2026-06-14 that this 300k version is now commonly seen); targeted/YMMV. Note: some applicants see lower 200,000-250,000 / $20,000 versions — multiple versions coexist; go by what the actual application page shows.as of 2026-07-10
ANNUAL FEE
$895
FOREIGN TX FEE
None
REWARDS
Amex Membership Rewards

EARNING RATES

  • •5x MR — flights and prepaid hotels booked through Amex Travel
  • •2x MR — U.S. construction material & hardware suppliers, electronic goods retailers, software & cloud system providers, and shipping providers
  • •2x MR — purchases of $5,000 or more (does not stack with the categories above; on up to $2,000,000 of these purchases combined per calendar year)
  • •1x MR — all other eligible purchases
  • $200/year airline fee credit — with one selected qualifying airline; enrollment required
  • $600/year hotel credit — $300 semi-annually, prepaid Fine Hotels + Resorts or The Hotel Collection bookings only, minimum-stay requirement applies
  • $200/year Hilton for Business credit — $50 per quarter
  • $300/year ChatGPT Business credit — requires a subscription with 2+ seats; enrollment required
  • Dell credit — up to $150 base credit per year, plus an additional $1,000 credit after spending $5,000 with Dell; enrollment required
  • $120/year wireless credit — $10 per month on U.S. wireless telephone service provider charges; enrollment required
  • $360/year Indeed credit — $90 per quarter; enrollment required
  • $150/year Adobe credit — requires prepaid Adobe plans
  • $219/year CLEAR Plus credit — enrollment required (price increased effective 2026-07-01)
  • Global Entry / TSA PreCheck application fee credit — up to $100
  • High-spend benefit: after $250,000 in purchases in a calendar year, unlock a $1,200 Amex Travel flight credit + $2,400 Amex One AP monthly-fee credit the following year

The Platinum Card® from American Express

from American Express
American Express
The Platinum Card® from American Express
$895/yrAmex

WELCOME OFFER

Official page shows as high as 175,000 Membership Rewards points after spending $12,000 in the first 6 months; Amex explicitly notes the welcome offer varies by applicant (targeted/YMMV) — the actual number is only shown after you submit an application.as of 2026-07-10
ANNUAL FEE
$895
FOREIGN TX FEE
None
REWARDS
Amex Membership Rewards

EARNING RATES

  • •5x MR — flights booked directly with airlines or through American Express Travel (on up to $500,000 in purchases per calendar year)
  • •5x MR — prepaid hotels booked through American Express Travel
  • •1x MR — all other eligible purchases
  • $200/year airline fee credit — incidental fees such as checked bags with one selected qualifying airline; enrollment required
  • $600/year hotel credit — $300 semi-annually, prepaid Fine Hotels + Resorts or The Hotel Collection bookings only, minimum-night-stay requirement applies
  • $400/year Resy dining credit — $100 per quarter at U.S. Resy partner restaurants; enrollment required
  • $200/year Uber Cash — $15 per month Jan-Nov plus $35 in December, automatically added for U.S. Uber rides and Uber Eats orders, no enrollment required
  • Up to $120/year Uber One membership credit — statement credits applied monthly, automatic
  • $300/year digital entertainment credit — $25 per month; covers Disney+, ESPN+, Hulu, The New York Times, Peacock and more; enrollment required
  • $300/year lululemon credit — $75 per quarter at U.S. lululemon stores and lululemon.com; enrollment required
  • About $155/year Walmart+ membership credit — covers the full monthly membership fee ($12.95/month)
  • $219/year CLEAR Plus credit — auto-renewing membership; enrollment required (CLEAR price rose to $219 effective July 1, 2026; previously $209)
  • $200/year Oura Ring credit — enrollment required
  • $300/year Equinox credit — Equinox and Equinox+ membership fees; enrollment required
  • Global Entry ($120) or TSA PreCheck (up to $85) application fee credit — once every 4 years
  • Note: the $100/year Saks Fifth Avenue credit was eliminated for new Card Members as of 2026-03-26 and is no longer listed here

Emirates Skywards Premium World Elite Mastercard

from Barclays US
Barclays US
Emirates Skywards Premium World Elite Mastercard
$499/yrMastercard

WELCOME OFFER

Limited-time offer (for new cards July 8 - October 6, 2026; verified on the Emirates site): earn 70,000 bonus Skywards Miles after spending $3,000 in Net Purchases within the first 90 days, plus Gold tier status for 12 monthsas of 2026-07-10
ANNUAL FEE
$499
FOREIGN TX FEE
None
REWARDS
Emirates Skywards Miles

EARNING RATES

  • 3xon eligible Emirates purchases
  • 2xon other eligible travel purchases
  • 1xon all other purchases
  • •Plus: 10,000 anniversary bonus Miles after spending $30,000 or more in a year
  • Up to $120 — Global Entry or TSA PreCheck application fee statement credit (once every 5 years)

JetBlue Premier Card

from Barclays US
Barclays US
JetBlue Premier Card
$499/yrMastercard

WELCOME OFFER

Earn 100,000 bonus TrueBlue points after spending $5,000 on purchases and paying the annual fee in full within the first 90 daysas of 2026-07-10
ANNUAL FEE
$499
FOREIGN TX FEE
None
REWARDS
JetBlue TrueBlue

EARNING RATES

  • 6xon JetBlue and TrueBlue Travel purchases
  • 2xat restaurants and eligible grocery stores
  • 1xon all other purchases
  • Up to $300/year — in statement credits for eligible TrueBlue Travel purchases (hotels, car rentals, cruises, etc.)

Bank of America® Premium Rewards® Elite credit card

from Bank of America
Bank of America
Bank of America® Premium Rewards® Elite credit card
$550/yrVisa

WELCOME OFFER

75,000 online bonus points (a $750 value) after you make at least $5,000 in purchases in the first 90 daysas of 2026-07-10
ANNUAL FEE
$550
FOREIGN TX FEE
None
REWARDS
Bank of America points

EARNING RATES

  • •2x points — travel
  • •2x points — dining
  • •1.5x points — all other purchases
  • Up to $300/year — Airline Incidental Statement Credits
  • Up to $150/year — lifestyle conveniences credits (video streaming services, food delivery, fitness subscriptions, rideshare services, etc.)
  • Up to $120 every 4 years — Global Entry / TSA PreCheck application fee

Chase Sapphire Reserve

from Chase
Chase
Chase Sapphire Reserve
$795/yrVisa

WELCOME OFFER

100,000 points after you spend $6,000 in the first 3 months from account opening (a limited-time 150k all-time-high offer ran 2026-04~06 and ended 6/15)as of 2026-07-10
ANNUAL FEE
$795
FOREIGN TX FEE
None
REWARDS
Chase Ultimate Rewards

EARNING RATES

  • 8xall purchases through Chase Travel (including The Edit)
  • 4xflights booked direct
  • 4xhotels booked direct
  • 3xdining worldwide
  • 1xall other purchases
  • $300 each cardmember year — statement credits for travel purchases
  • Up to $500 per calendar year (two $250 credits) — prepaid hotel bookings with The Edit by Chase Travel
  • Up to $300 per year ($150 January-June and $150 July-December) — Sapphire Reserve Exclusive Tables dining (OpenTable)
  • Up to $300 per year ($150 each half-year, through 2027-12-31) — StubHub/viagogo event tickets
  • 12 months of complimentary DashPass membership (a ~$120 value, activation required) + up to $25 per month in DoorDash credits on non-restaurant orders
  • Up to $10 per month in Lyft in-app ride credits (through 2027-09-30); up to $10 per month on eligible Peloton memberships (through 2027-12-31)
  • Complimentary Apple TV+ and Apple Music subscriptions (a ~$288/year value, through 2027-06-22)
  • $120 every 4 years — Global Entry / TSA PreCheck / NEXUS application fee

Chase Sapphire Reserve for Business

from Chase
ChaseBusiness
Chase Sapphire Reserve for Business
$795/yrVisa

WELCOME OFFER

200,000 points (limited-time elevated offer, page shows standard 150k struck through) after you spend $30,000 in the first 6 months from account openingas of 2026-07-10
ANNUAL FEE
$795
FOREIGN TX FEE
None
REWARDS
Chase Ultimate Rewards

EARNING RATES

  • 8xall purchases through Chase Travel
  • 4xflights and hotels booked direct
  • 3xsocial media and search engine advertising
  • 5xLyft (promo through 2027-09-30)
  • 1xall other purchases
  • $300 each year — statement credits for travel purchases
  • Up to $500 per year ($250 max per booking) — hotel bookings with The Edit by Chase Travel
  • $250 — prepaid Chase Travel hotel bookings (through 2026-12-31)
  • $200 per year — Google Workspace
  • $400 per year — ZipRecruiter
  • $120 per year — Lyft
  • $100 per year — select gift cards
  • $120 every 4 years — Global Entry / TSA PreCheck / NEXUS
  • DoorDash DashPass membership + monthly promo credits (chase.com puts the combined value at ~$420/year)

United Club Business Card

from Chase
ChaseBusiness
United Club Business Card
$695/yrVisa

WELCOME OFFER

100,000 miles + 2,000 PQP (after spending $5,000 in the first 3 months) + 10,000 more for adding an authorized user, up to 110,000 totalas of 2026-07-10
ANNUAL FEE
$695
FOREIGN TX FEE
None
REWARDS
United MileagePlus miles

EARNING RATES

  • •8x total — United flight purchases
  • 2xother United purchases
  • 5xprepaid Renowned Hotels and Resorts bookings
  • 1.5xall other purchases
  • •5,000-mile anniversary bonus each year when you also hold a personal United card
  • $200 per year — Renowned Hotels and Resorts
  • $150 per year (enrollment required) — rideshare credits
  • $100 per year — Avis/Budget car rentals (cars.united.com)
  • $240 per year — Instacart credits
  • $200 per year — JSX flights
  • $50 per year — FareLock

United Club Card

from Chase
Chase
United Club Card
$695/yrVisa

WELCOME OFFER

80,000 miles (after spending $5,000 in the first 3 months) + 10,000 more for adding an authorized user, up to 90,000 total (a limited-time 110k + 3,000 PQP offer ran 2026-04~05 and has ended)as of 2026-07-10
ANNUAL FEE
$695
FOREIGN TX FEE
None
REWARDS
United MileagePlus miles

EARNING RATES

  • •11x total — United flight purchases (6x as member + 5x with the card)
  • 5xother United purchases
  • 5xprepaid Renowned Hotels and Resorts bookings
  • 2xall other travel and dining
  • 1xall other purchases
  • $200 per year — Renowned Hotels and Resorts
  • $150 per year (monthly, enrollment required) — rideshare credits
  • $100 per year — Avis/Budget car rentals
  • $240 per year ($20/month) — Instacart credits
  • $200 per year — JSX flights
  • $120 every 4 years — Global Entry / TSA PreCheck / NEXUS

Citi Strata Elite Card

from Citi
Citi
Citi Strata Elite Card
$595/yrMastercard

WELCOME OFFER

Earn 75,000 ThankYou Points after spending $6,000 in the first 3 months. Citigold relationship clients ($200k+ in assets) get a $145 annual fee discount, bringing the effective annual fee down to $450.as of 2026-07-10
ANNUAL FEE
$595
FOREIGN TX FEE
None
REWARDS
Citi ThankYou

EARNING RATES

  • 12xhotels, car rentals, and attractions booked on cititravel.com
  • 6xair travel booked on cititravel.com
  • 6xrestaurants on Citi Nights purchases (Friday and Saturday, 6 PM - 6 AM ET)
  • 3xrestaurants any other time
  • 1.5xall other purchases
  • Up to $300 annually off a hotel stay of 2 nights or more booked through cititravel.com
  • Up to $200 annual Splurge Credit (choice of up to 2 of the following brands: 1stDibs, American Airlines, Best Buy, Future Personal Training, Live Nation)
  • $100 Blacklane airport transfer credit every 6 months (up to $200 per year)
  • Up to $120 Global Entry / TSA PreCheck application fee credit every 4 years

Citi® / AAdvantage® Executive World Elite Mastercard®

from Citi
Citi
Citi® / AAdvantage® Executive World Elite Mastercard®
$595/yrMastercard

WELCOME OFFER

Limited-time promotion: earn 100,000 AAdvantage bonus miles after $10,000 in purchases within the first 3 months (uscreditcardguide May 2026 update confirms the 100k is back and still live; historically 100k has appeared only a few times — outside promotions the offer runs 50k-80k).as of 2026-07-10
ANNUAL FEE
$595
FOREIGN TX FEE
None
REWARDS
American Airlines AAdvantage miles

EARNING RATES

  • 10xeligible hotels booked through aadvantagehotels.com and eligible car rentals booked through aadvantagecars.com
  • 4xeligible American Airlines purchases (rises to 5x for the remainder of the year after $150,000 in AA purchases that year)
  • 1xall other purchases
  • Up to $120 Global Entry / TSA PreCheck application fee credit every 4 years
  • Up to $120 in Avis/Budget car rental statement credits per calendar year (new benefit, 2026)
  • Up to $120 in Grubhub credits per year, up to $10 per monthly billing statement (new benefit, 2026)
  • Up to $120 in Lyft credits per year, $10 after 3 eligible rides in a calendar month (new benefit, 2026)