Credit Cards

10 best premium and luxury cards of 2021

Do you want to choose a great premium credit card for 2021? Then read more to see the best premium cards 2021!

Advertisement

by Victória Lourenço

08/26/2021 | Updated on 04/29/2022

Find out the best premium credit cards of 2021

Check out our list of the 10 best premium cards of 2021. Source: Gettyimages
Check out our list of the 10 best premium cards of 2021. Source: Gettyimages

If you are looking for a new premium credit card, we are here to show you some information about the 10 best premium cards 2021. Check out our post to learn a bit more about premium and luxury cards. Maybe you will even choose one for yourself this year. Keep reading to see information about annual fees, rewards, and card perks.

Advertisement

10 best premium cards 2021

Chase Sapphire Reserve Card

The Chase Sapphire Reserve card is the first on our list of the best premium cards 2021. It has many premium dining and travel rewards. The card’s annual fee is hefty, but you can get a large portion of it back once you use the $300 in yearly travel credits. See below for some more information about the card.

Credit ScoreExcellent
Annual Fee$550
Regular APR*16.99% – 23.99% variable APR

*Terms apply
Welcome bonus*Get 60,000 points after you spend $4,000 within the first 3 months

*Terms apply
Rewards*Travel statement credit of $300 per year
3X points on dining for eligible delivery services, takeout as well as travel
Spending on any other purchase earns you 1 point per dollar

*Terms apply

How do you get the Chase Sapphire Reserve card?

Do you want incredible travel and dining perks in one credit card? Then, read more to know how to apply for the Chase Sapphire Reserve card!

Advertisement

American Express Gold Card

The American Express Gold card is a great card with amazing dining rewards. It also has travel rewards and perks. You can get a great welcome bonus, and some of the other rewards and information about this card are in the table below!

Credit ScoreGood to excellent
Annual Fee$250
Regular APR15.99% – 22.99% variable APR
Welcome bonusAfter you spend $4,000 on qualifying purchases in the first six months, you will get 60,000 MR points

*Terms apply
RewardsYou can get 3 points for every dollar spent on flights booked with airline or American Express Travel
4 MR points for every dollar spent at restaurants
4 points for every dollar spent at supermarkets in the U.S. on $25,000 in purchases/year.
1 point for every dollar spent on every other eligible purchase
$120 Uber Cash on Amex Gold
$120 on dining credit

* Terms apply

How do you get the American Express Gold card?

If you fit the profile and want to know how to get your American Express Gold card, here is some important information to guide you!

Citi Prestige Card

The Citi Prestige card is a very premium black card. It offers great rewards and perks. This Citi card also offers great technology features to its cardholders. Learn more about this card’s perks and information below.

Credit ScoreExcellent
Annual Fee$495
Regular APR
16.99% – 23.99% variable APR on spendings and balance transfers
Welcome Bonus*62,500 Citi ThankYouSM Points (25,000 Miles)
Gadget Welcome Gift

*Terms apply
Rewards*Every five years, get up to $100 toward Global Entry or TSA Pre✓®
Free annual hotel stay (4th night)
Transfer points to many travel loyalty programs
5X points on air travel and dining
3X points on hotels and cruises
1X points on other purchases

*Terms apply
Citi Prestige Card

How to apply for a Citi Prestige Card credit card

The Citi Prestige card from Citibank offers great welcome bonuses, in addition to having a simple signup process. Discover how to apply!

Advertisement

American Express Platinum card

The American Express Platinum card is one of the most premium cards there are. Even though it has a hefty annual fee, you can get many great and premium dining and travel perks. See a little bit more about this amazing Amex card in our table below.

Credit ScoreGood to excellent
Annual Fee$695
Regular APR15.99% – 22.99% variable APR on eligible charges
Welcome bonus*100K MR points
10x points on qualifying purchases

*Terms apply
Rewards*10 MR points at gas stations and supermarkets
5 MR points for every dollar spent on flights
5 MR points for every dollar spent on prepaid hotel purchases
2 MR points for every dollar spent on other travel expenses
1 MR point for every dollar spent on all other purchases
Uber Rides with the Amex Platinum card, also Shop Saks with Platinum

*Terms apply

How do you get the American Express Platinum card?

If you are ready to obtain your American Express Platinum card, here are some information that can guide you through the process. Check it out

Blue Cash Preferred Card

The Blue Cash Preferred Card is great for those who want to buy at U.S. supermarkets. This card can be great for individual purchases. You can even get the offer of $0 for the annual fee in the first year. Check out below more about this great card!

Credit ScoreGood – Excellent
Annual Fee$0 in the first year. After that, the annual fee is $95
Regular APR*13.99% to 23.99% variable APR

*Terms apply
Welcome bonus*20% cash back for Amazon purchases in the first six months

*Terms apply
Rewards*6% cash back available for U.S. supermarkets
6% cash back on U.S. streaming
1% cash back on any other spendings

*Terms apply

How do you get the Blue Cash Preferred card?

The Blue Cash Preferred card is an amazing option for everyday spending. Read more to know how to apply for this great rewarding card!

United Club Infinite Card

Learn a little bit more about the United Club Infinite card. Source: Million Mile Secrets
Learn a little bit more about the United Club Infinite card. Source: Million Mile Secrets

The United Club infinite card is a great premium card. it has benefits and rewards for dining and travel. You can get 4X points when spending with eligible purchases and get 2X points on dining and travel. As with other Chase cards, this card is a very rewarding premium card. So, check out our table below with some more information on the card.

Credit ScoreExcellent
Annual fee$525
Regular APR16.49% – 23.49% variable APR
Welcome bonus*After spending $3,000 in the first three months after creating your account, you will get 75,000 bonus miles

*Terms apply
Rewards*4X on eligible purchases
2X on dining and travel

*Terms apply

Hilton Honors American Express Aspire Card

See more about the Hilton Honors Amex Aspire card. Source: Travelling for Miles
See more about the Hilton Honors Amex Aspire card. Source: Travelling for Miles

The Hilton Honors American Express Aspire Card is one of the top-tier cards of American Express. You get a very high welcome bonus, and this card is also amazing for travelers. Check out more about this great premium card in our table below!

Credit ScoreGood – Excellent
Annual fee$450
Regular APR15.74% – 24.74% variable APR
Welcome bonus*After spending $4,000 in the first three months of creating your account, you will get 150,000 points

*Terms apply
Rewards*14X points on eligible purchases
7X points for flights booked with airlines or American Express Travel
7X points on eligible restaurants in the United States
3X points on all other qualifying purchases

* Terms apply

Delta SkyMiles Reserve American Express Card

Learn more about this great travel card from American Express. Source: Delta News Hub
Learn more about this great travel card from American Express. Source: Delta News Hub

This Amex card is a great card for travelers, and it has access to American Express’s Centurion Lounges every time you fly with Delta airlines. There are many other great benefits offered by the Delta SkyMiles Reserve Amex card. Check some of them in our table below.

Credit ScoreGood – Excellent
Annual fee$550
Regular APR15.74% – 24.74% variable APR
Welcome bonus*After spending $3,000 in your first three months, you will get 50,000 bonus miles and 10,000 Medallion Qualification Miles

*Terms apply
Rewards*3X Miles on purchases made with Delta
1X mile on every other qualifying purchase
Complimentary access to The Centurion Lounge (when booking with Delta Airlines)
and more

*Terms apply

American Express Business Platinum

If you travel a lot, the American Express Business Platinum card can be great for you. You can get many travel perks even if the annual fee is $595. So, if you are a frequent business traveler, check out some more information about this amazing Amex travel card in our table below!

Credit scoreGood – Excellent
Annual fee$595
Regular APR14.24% 22.24% variable APR
Welcome bonusAfter spending $15,000 on qualifying purchases in the first three months, earn 100,000 MR points
Rewards*5X MR points for flights and prepaid hotel stays made on Amex Travel
Earn u to $200 in statement credits per year
and more

*Terms apply

Citi AAdvantage Platinum Select World Elite

The Citi AAdvantage Platinum Select World Elite card has many rewards for dining and travel. This is a great air travel card for people who travel within the United States. And for people who are able to spend money enough so they can maximize the card’s bonus offers. See more information about this card in our table below!

Credit scoreGood – Excellent
Annual fee$99
Regular APR*15.99% to 24.99% variable APR

*Terms apply
Welcome bonusAfter spending $2,500 in the first 3 months, you will get 50,000 bonus miles
Rewards*2X miles for spendings related to dining, gas stations, and American Airlines
1X miles on any other spending

*Terms apply

But if you still want to know more about incredible credit cards with great benefits, check our list with the best options of 2021 next!

Best credit cards of 2021: reviews

Does your credit card rank among the best credit cards 2021 presented us with? We have come up with a shortlist with some amazing cards.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

Trending Topics

content

Upstart personal loan full review

Do you need to make a good and fast personal loan? Upstart personal loan can be a good choice. So, check out our full review to know more!

Keep Reading
content

Books to start investing in crypto: learn the 7 best!

Are you interested in starting to trade crypto? If so, you can start now with our list of the seven best books to start investing in crypto!

Keep Reading
content

Upgrade Triple Cash Rewards Visa® card full review

Upgrade offers a card with unlimited cash back on payments with no annual fee. So, check out our Upgrade Triple Cash Rewards Visa® review!

Keep Reading

You may also like

content

U.S. Bank Cash+™ Visa Signature® credit card review: is it worth it?

When it comes to cashback, the more you get on daily spending, the better. That's the case with the U.S. Bank Cash+™ Visa Signature® credit card. You can choose the best categories for you. Learn more about it in this article.

Keep Reading
content

Luxury Titanium or Luxury Black card: choose the best!

Are you trying to decide between Luxury Titanium or Luxury Black? This review will help you decide, showing the benefits and disadvantages of each one. Please read on to find out the best travel card for you!

Keep Reading
content

When should you consider a secured credit card?

If you're suffering from a bad credit score, you should consider getting a secured credit card to improve it. Read this content to see if it's the right option for you.

Keep Reading