Credit Cards (US)

Which premium card is best: Top 5 options!

Are you looking for an incredible premium card? If so, read our post to find out which premium card is best!

Find out which premium card is best with these options!

Premium cards will give you exclusive benefits! Source: Adobe Stock.
Premium cards will give you exclusive benefits! Source: Adobe Stock.

Are you looking to get the most out of your credit card? Which premium card is best? Well, with so many options on the market, it can be hard to decide which one to choose. But don’t worry. We are here to help!

Moreover, we’ve curated a list of premium cards with top-notch benefits and rewards programs that will make any consumer grin from ear to ear.

Also, these cards offer cashback bonuses and travel rewards, exclusive dining experiences, and more! Therefore, these cards offer something for everyone!

So, whether you’re looking for a luxury shopping experience or just want more bang for your buck, this guide will show you what’s available in today’s competitive credit card market!

Read on for our picks and find out which premium card is best!

See which premium card is best with our 5 options list

If you're looking for VIP benefits, take a look at this list. Source: Adobe Stock.
If you’re looking for VIP benefits, take a look at this list. Source: Adobe Stock.

If you want to upgrade your credit card experience and unlock a series of luxurious benefits, you need to know which premium card is the best. Therefore, check out our list below and see which is best for you!

Chase Sapphire Reserve®

With the Chase Sapphire Reserve®, you’ll be able to earn incredible premium perks on travel and other categories. Moreover, you can earn up to 10x total points for purchases on eligible categories.

In addition, you’ll even be able to earn up to 1 point for each dollar you spend on all other purchases (terms apply).

Also, with this premium card, you can earn 50% more redemption value if you redeem travel through Chase Ultimate Rewards!

So, read the table below to see the other incredible information about this card. And if you like it, you can also read the full review at the link right after this table.

Credit ScoreExcellent.
APR*20.74% to 27.74% variable APR for purchases and balance transfers;
Also, 28.74% variable APR for cash advances.
*Terms apply.
Annual Fee*$550.
The annual fee for each authorized user is $75 per year.
*Terms apply.
Welcome Bonus*With the current offer, you can earn 60,000 bonus points after spending $4,000 on purchases in your first 3 months.
*Terms apply.
Rewards*5x total points on flights after you purchase travel through Chase Ultimate Rewards®;
10x total points on hotels and car rentals (valid for when you purchase travel through Chase Ultimate Rewards®);
3x points on other travel worldwide after you spend the first $300 on travel purchases annually;
10x total points on Chase Dining purchases with Ultimate Rewards®;

Also, 3x points on other dining at restaurants (it includes eligible delivery services, takeout, and dining out);
Moreover, you can earn 1 point for each dollar you spend on all other purchases.
*Terms apply.
Chase Sapphire Reserve® Credit Card

Chase Sapphire Reserve® Credit Card review

The Chase Sapphire Reserve® Credit Card has wonderful perks for travelers and it has great dining rewards. Read our full review to know more about this great card!

Delta SkyMiles® Reserve American Express Card

This Delta Amex credit card is very famous for its incredible perks and rewards related to Delta travel. Moreover, you can get premium perks related to Medallion® Qualification Miles and more!

In addition, you’ll earn up to 3x miles on purchases you make directly with Delta! Also, you’ll even be able to earn 1x miles on any other eligible purchase!

Moreover, besides the miles rewards, you’ll be able to access Complimentary Delta Sky Club®! Also, there is Complimentary Access to The Centurion Lounge available!

So, read the table below to see if this card meets your needs!

Credit ScoreGood to excellent.
APR*19.99% to 28.99% variable APR for purchases (based on your creditworthiness);
Also, 29.49% variable APR for cash advances.
*Terms apply.
Annual Fee$550.
Welcome Bonus*With the current offer, you can earn 125,000 bonus miles and 10,000 Medallion® Qualification Miles after you spend $5,000 in purchases in your first 6 months.
*Terms apply.
Rewards*3x miles on purchases you make directly with Delta;
Also, 1x miles on any other purchase.
*Terms apply.

As you can see, this credit card is worth the price. The full review is right on the following, if you’d like to see everything about it.

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business

The Delta SkyMiles® Reserve Business American Express Card offers amazing travel perks for those who have great spending power.

Citi® / AAdvantage® Executive World Elite Mastercard®

Premium cards usually have a high annual fee. Source: Adobe Stock.
Premium cards usually have a high annual fee. Source: Adobe Stock.

With this Citi credit card, you’ll be able to earn an incredible welcome bonus offer as a new cardholder. Moreover, you can earn up to 2x miles for every dollar you spend on qualifying American Airlines purchases!

In addition, you’ll be able to earn 10,000 additional Loyalty Points after you spend $40,000 in purchases (valid for the purchases made during the qualifying status year)!

Moreover, you can get all these perks and rewards and pay no foreign transaction fees on purchases! Therefore, check out the table below for more information about this great credit card!

Credit ScoreGood to excellent.
APR*19.74% to 28.74% variable APR for purchases and balance transfers (based on your creditworthiness);
Also, 28.99% variable APR for cash advances.
*Terms apply.
Annual Fee*$450.
*Terms apply.
Welcome Bonus*The current offer is 50,000 American Airlines AAdvantage® bonus miles after you spend $5,000 in purchases in the first 3 months.
*Terms apply.
Rewards*2x miles for each dollar you spend on qualifying American Airlines purchases;
Also, 1x mile for each dollar you spend on any other eligible purchase.
*Terms apply.
Citi® / AAdvantage® Executive World Elite Mastercard® review

Citi® / AAdvantage® Executive Mastercard® review

This Citi® / AAdvantage® Executive World Elite Mastercard® review will show you how the card works and how you can access a whole package of privileges.

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Hilton Honors American Express Aspire Card

Now, if you love to travel and stay at Hilton Honours hotels, you’ll love the Hilton Honors American Express Aspire Card!

Moreover, with this credit card, you’ll earn incredible rewards and perks!

In addition, you can check if you’re pre-approved for this premium credit card with no harm to your credit score!

Moreover, you can check out our table below to see more information about this card!

Credit ScoreGood to excellent.
APR*19.99% to 28.99% variable APR for purchases (based on your creditworthiness);
Also, 29.49% variable APR for cash advances.
*Terms apply.
Annual Fee*$450.
*Terms apply.
Welcome Bonus*The current offer is 150,000 Hilton Honors Bonus Points after spending $4,000 in your first 3 months with the card.
*Terms apply.
Rewards*14x points on eligible purchases at partner Hilton resorts and hotels;
7x points on eligible travel, which include flights you book directly with airlines or AmexTravel.com and car rentals you book with eligible car rental places;
7x points on dining at U.S. restaurants (takeout and delivery included);
Also, 3x points for every dollar you spend on any other qualifying purchase.
*Terms apply.
Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card review

Is Hilton Honors your favorite hotel chain? If so, the Hilton Honors American Express Aspire Card can be a great choice for you. Read our full review to know more!

The Platinum Card® from American Express

In addition, this Amex card is one of the most known premium cards! Moreover, you can get up to 5x points on flights (terms apply.

Also, this card allows you to get $100 Shop Saks in statement credits. Moreover, you can even earn $189 with CLEAR® and much more!

Therefore, check out our table below to learn the main information about this card!

Credit ScoreGood to excellent.
APR*20.24% to 27.24% variable APR for purchases (based on your creditworthiness);
Also, 29.49% variable APR for cash advances.
*Terms apply.
Annual Fee*$695.
*Terms apply.
Welcome Bonus*The current offer is 80,000 Membership Rewards® Points after you spend $6,000 in your first 6 months.
*Terms apply.
Rewards*5x points on flights (terms apply);
Also, 5x points on prepaid hotels you book through AmexTravel.com;
Moreover, you can earn 1x point on any other purchase.
*Terms apply.
Platinum Card® American Express American Express® Gold

The Platinum Card® from American Express review

Earn points for food and delivery with this Amex card! Read our The Platinum Card® from American Express review to learn more!

Get an excellent credit score to apply for these credit cards

To get an excellent credit card, you’ll need an excellent credit score. If you’re not there yet, don’t worry. You can always build your credit score up with patience and strategy.

If that’s something you’d like to achieve, read the content we’ve made with essential tips.

credit scores range

Is it possible to get an excellent credit scores?

Do you want to know how to get to an excellent credit scores range? If so, read our post to find out and learn more about your credit score!

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

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