11 Best Credit Cards for Complimentary Breakfast at Hotels [2026]

There’s nothing else like walking into that hotel breakfast buffet and knowing that everything you’re about to eat is complimentary.

Free breakfast is one of the most coveted travel perks, and not just because some hotels have an incredible spread. When you’re traveling around the world, one of the highest and most unavoidable costs is food. And if you’re a value-focused traveler or simply love breakfast, getting it for free can save you money and help you lock in the most important meal of the day.

It’s true that some limited-service hotel brands (particularly extended-stay and lower-end properties) give free breakfast to all their guests, but if you’re looking to have a complimentary breakfast at a full-service or luxury hotel, you probably need elite status or a specific credit card, whether that be a co-branded hotel card or a premium flexible rewards travel card.

If you have the right credit card, you can accelerate the rewards you earn, benefit from card perks, and you may even get elite status benefits that go far beyond complimentary breakfast.

In this guide, we’ll show you our favorite credit cards that offer complimentary breakfast at hotels.

What To Look For in a Credit Card for Complimentary Breakfast at Hotels

The best credit cards for complimentary breakfast make it easy: You get free breakfast just by holding the card and activating your elite status.

These days, though, few cards make it this simple. In some cases, you have to book a stay from a collection of resorts via the credit card issuer’s travel portal in order to get a complimentary breakfast.

These are our favorite personal credit cards for complimentary breakfast at hotels.

Best Cards for Free Hotel Breakfast Overview

1. Amex Platinum Card

BEST LOUNGE CARD

Terms Apply / Rates & Fees

Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.  

As High As 175,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $3,850

Annual Fee

$895

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

 

 

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
• Annual and monthly statement credits upon enrollment (airline credit, Uber Cash and Uber One, Resy, lululemon credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR+ credit, and Equinox credit)
• TSA PreCheck or Global Entry credit
• Access to American Express Fine Hotels and Resorts and Amex International Airline Program
• Access to Amex transfer partners
• No foreign transaction fees (rates and fees)

 

Cons

• $895 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

 

 

Read Full Review

Card Highlights

• You may be eligible for as high as 175,000 Membership Rewards^® points after you spend $12,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
• Get more for your travels with 5X Membership Rewards^® points on all flights and prepaid hotel bookings through American Express Travel^®, including Fine Hotels + Resorts^® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel^® on up to $500,000 on these purchases per calendar year.
• With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection^®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club^® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges.* As of 07/2025.
• $200 Uber Cash + $120 Uber One Credit: With the Platinum Card^® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card^® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card^® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
• $300 Digital Entertainment Credit: Experience the latest shows, news and recipes. Get up to $25 in statement credits each month when you use your Platinum Card^® for eligible purchases on Disney+, a Disney+ bundle, ESPN streaming services, Hulu, The New York Times, Paramount+, Peacock, The Wall Street Journal, YouTube Premium, and YouTube TV when you purchase directly from one or more of the providers. Enrollment required.
• $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts^® or The Hotel Collection* bookings through American Express Travel^® using the Platinum Card^®. *The Hotel Collection requires a minimum two-night stay.
• $400 Resy Credit + Platinum Nights by Resy: Get up to $100 in statement credits each quarter when you use the Platinum Card^® to make eligible purchases with Resy, including dining purchases at U.S. Resy restaurants. Enrollment required. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card^®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you.
• $209 CLEAR+ Credit: CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Platinum Card^®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card^® Account. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
• Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts^® through American Express Travel^®, enjoy noon check-in, when available, and guaranteed 4PM check-out.
• $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card^® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
• $155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card^®.* Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
• Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
• $895 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

 

 

Hot Tip: Apply and find out if you’re eligible for a welcome bonus offer of as high as 175,000 points with the Amex Platinum. Welcome offers may vary and you may not be eligible for an offer.

The Amex Platinum card is one of our favorite cards for complimentary breakfast simply because it offers some of the best luxury travel perks of any card.

How To Access Complimentary Breakfast With the Amex Platinum Card

There are a few ways to access complimentary breakfast with the Amex Platinum card.

The first way is to activate your Hilton Gold status, which gives you a food and beverage credit you can use for breakfast in the U.S. and complimentary breakfast at hotels outside the U.S.

The second way is to use your Amex Platinum card to book an Amex Fine Hotels + Resorts stay, which includes complimentary breakfast and other benefits such as early check-in, late checkout, room upgrades (all when available), and more.

The third way is to use your Amex Platinum card to book a stay at The Hotel Collection (2-night minimum stay), which offers a $100 property credit that you can apply toward breakfast.

Other Reasons To Get the Amex Platinum Card

Earning with the Amex Platinum card is pretty straightforward:

• 5 points per $1 spent on flights purchased directly with the airline or at AmexTravel.com (on up to $500,000 of these purchases per year) and prepaid hotels booked with AmexTravel.com
• 1 points per $1 everywhere else

Though there aren’t a lot of bonus-earning categories, you get many other travel perks, such as access to the American Express Global Lounge Collection. This includes excellent lounge access, with Centurion Lounges, 10 visits to Delta Sky Clubs (when flying Delta the same day) with the ability to unlock unlimited visits through spending, Escape Lounges – The Centurion^® Studio Partner, International American Express Centurion Lounges, Plaza Premium Lounges, some Virgin Clubhouses, some Lufthansa Lounges, and over 1,400 Priority Pass lounges (upon enrollment).

You also get access to Amex Fine Hotels + Resorts and The Hotel Collection, a $200 airline fee credit, a Global Entry or TSA PreCheck application fee reimbursement every 4 years, rental car elite status (Avis, Hertz, and National), access to the Amex International Airline Program, and Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment.

Cardholders receive $600 prepaid hotel credit (up to $300 semiannually) on eligible stays, up to a $300 digital entertainment credit (up to $25 per month), up to $300 in Equinox credits, $209 in CLEAR+ credits, and a $12.95 monthly Walmart+ credit.

Enrollment is required for certain benefits, so make sure you’ve explored your American Express account to get the most out of your card.

This card offers strong travel coverage; including trip interruption and cancellation insurance; trip delay insurance; secondary car rental insurance; lost, stolen, or damaged baggage coverage; and emergency evacuation coverage through its Premium Global Assist Hotline.

And when you’re making purchases, you get the purchase protection, extended warranty, zero fraud liability, and cell phone protection.

2. Amex Business Platinum Card

NEW OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.  

As High As 300,000 Points. Find Out Your Offer.

UP's Offer Valuation*:

Up to $6,600

Annual Fee

$895

APR

17.74% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Amex Business Platinum Card is a premium travel rewards card tailored for business owners who are frequent travelers with high annual expenses.

When you factor in the large number of perks that the card offers, like the best airport lounge access at over 1,550 lounges and numerous annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.

 

Pros & Cons

Pros

• Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
• Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
• Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
• Up to $200 annual airline fee credit on your selected qualifying airline
• Generous statement credits on select purchases with your card (including credits for airline incidentals, prepaid hotels, CLEAR, ChatGPT Business, Dell, and Hilton)
• Global Entry or TSA PreCheck application fee credit
• Access to Amex’s Fine Hotels & Resorts program
• Hotel elite status with Hilton, Marriott, and Leading Hotels of the World upon enrollment

 

Cons

• High annual fee of $895 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

 

Read Full Review

Card Highlights

• As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards^® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
• See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
• Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
• Make the Business Platinum Card^® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
• Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
• Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
• Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
• Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
• Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
• Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
• Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
• Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
• 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• 5X points on flights and prepaid hotels on AmexTravel.com
• 1X points on other eligible purchases
• Terms Apply.

Financial Snapshot

• APR: 17.74% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

 

Hot Tip: Check to see if you’re eligible for a welcome bonus offer as high as 300,000 points with the Amex Business Platinum card. Find out your offer. Terms Apply.

 

The ultrapremium business card offering from American Express is the Amex Business Platinum card.

How To Access Complimentary Breakfast With the Amex Business Platinum Card

Get breakfast with the Amex Business Platinum card in the exact same ways you can with the aforementioned Amex Platinum card:

• Activate your Hilton Honors Gold elite status and book a stay at Hilton properties.
• Book a stay at Amex Fine Hotels + Resorts.
• Book a stay at The Hotel Collection and apply your $100 property credit toward breakfast.

Other Reasons To Get the Amex Business Platinum Card

This card earns 5x points on flights, prepaid hotels, and short-term rentals booked at AmexTravel.com. You can also get 2x points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else, for up to $2 million in purchases per calendar year.

You get the same lounge access perks with the American Express Global Lounge Collection as you would with the Amex Platinum card.

Other travel benefits include a $200 airline fee credit every calendar year, as well as access to Amex Fine Hotels + Resorts, Hilton Honors Gold and Marriott Bonvoy Gold Elite status, statement credits for U.S. Dell purchases, up to $200 in Hilton statement credits (up to $50 per quarter), a Global Entry or TSA PreCheck application fee credit, and a 35% rebate when you use Pay With Points on airfare booked on your airline of choice through AmexTravel.com (up to 1 million points rebated per year). Keep in mind that some of these benefits require enrollment.

The Amex Business Platinum card offers purchase protection, extended warranty coverage, a suite of travel insurance, and return protection.

3. Hilton Aspire Card

Terms Apply / Rates & Fees

Hilton Honors American Express Aspire Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Aspire Card

Automatic Hilton Diamond status, an annual free night, and a travel and resort credit make this the perfect card for those who stay in Hilton hotels.

Welcome Offer

Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.

150,000 points

UP's Offer Valuation*:

Up to $750

Annual Fee

$550

APR

19.49%-28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

Paying hundreds of dollars for an annual fee on a co-branded hotel card might seem ridiculous, but you should know that the Hilton Honors American Express Aspire Card is much more than your run-of-the-mill hotel credit card.

The Hilton Aspire card is not only a phenomenal card for Hilton Honors loyalists, but even those who visit Hilton hotels just a few times a year can still get excellent value out of all the benefits that are packed into this card.

So let’s have a look at what makes the card so valuable to travelers.

Pros & Cons

Pros

• 14x points per $1 on Hilton purchases
• 7x points per $1 on flights booked directly with airlines or through American Express Travel, car rentals booked directly with select car rental companies, and at U.S. restaurants
• 3x points per $1 on all other eligible purchases

Cons

• High annual fee of $550 (rates & fees)

Read Full Review

Card Highlights

• Earn 150,000 Hilton Honors Bonus Points with the Hilton Honors American Express Aspire Card after you spend $6,000 in purchases on the Card within your first 6 months of Card Membership.
• Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal.
• Card Members can earn 14X Points on purchases made directly with hotels and resorts within the Hilton portfolio.
• Card Members can earn 7X Points on purchases of Flights booked directly with airlines or flights booked through American Express Travel, Car rentals purchased directly from select car rental companies, and purchases at U.S. Restaurants.
• Card Members can earn 3X Points on all other eligible purchases.
• $400 Hilton Resort Credit: Get up to $200 in statement credits semi-annually for eligible purchases made directly with participating Hilton Resorts on your Hilton Honors Aspire Card. That's up to $400 back annually.
• $200 Flight Credit: Get up to $50 in statement credits each quarter, for a total of up to $200 back each year, on flight purchases made directly with airlines or via AmexTravel.com or the Amex Travel App™ using your Hilton Honors American Express Aspire Card.
• $209 CLEAR+ Credit: You can receive up to $209 in statement credits per calendar year after you sign up and pay for a CLEAR+ Membership (subject to auto-renewal) with your eligible Hilton Honors American Express Aspire Card.
• Earn a Free Night Reward from Hilton after you spend $30,000 in purchases on your Card in a calendar year. Plus, you can earn an additional Free Night Reward from Hilton after you spend an additional $30,000 (for a total of $60,000) in purchases on your Card in the same calendar year.
• $100 Property Credit: Receive up to a $100 credit for qualifying charges at Waldorf Astoria^® Hotels & Resorts and Conrad^® Hotels & Resorts properties when you book a 2 night minimum stay with your Card at HiltonHonorsAspireCard.com and select the Aspire Card Benefit rate option on the booking page, or call Hilton Honors at 855-292-5757 with the proper booking reference.
• Hilton Honors Aspire Card Members can enjoy complimentary National Car Rental^® Emerald Club Executive^® status, including perks like Executive Area Access (for full-size reservations and above) in the USA and Canada. Card Members must enroll in the National Car Rental Emerald Club Executive status through their American Express online account using their Card. Terms apply.
• Whenever you travel more than 100 miles from home, Global Assist^® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
• Points don’t expire while your Hilton Honors American Express Card is active and in good standing.
• $550 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% Variable
• Foreign Transaction Fees: None

The Hilton Aspire card is American Express’s ultrapremium Hilton credit card. If you’re loyal to Hilton, note that it’s the only card that offers Hilton Honors™ Diamond Elite status.

How To Access Complimentary Breakfast With the Hilton Aspire Card

Use your Hilton Honors™ Diamond status when you’re booking a stay at a Hilton property to get free breakfast.

With Diamond status, you’re entitled to free breakfast (or food and beverage credits), as well as suite upgrades (when available), executive lounge access, and additional points-earning bonuses.

Other Reasons To Get the Hilton Aspire Card

Get a Free Night Reward within your first year and every year after renewal. Then, earn up to 14x Hilton Honors points:

• 14x Hilton Honors points on eligible purchases at participating hotels or resorts within the Hilton portfolio
• 7x Hilton Honors points on flights booked directly with airlines or AmexTravel.com, car rentals booked directly from select car rental companies, and at U.S. restaurants
• 3x Hilton Honors points on all other purchases

This credit card also offers up to $200 in airline credit and up to $400 in Hilton resort credit (up to $200 semiannually).

The strong travel benefits include secondary car rental loss and damage insurance, baggage insurance, premium roadside assistance, and more.

You can also make use of the purchase protection, return protection, cell phone protection, and extended warranty. It levies no foreign transaction fees (rates & fees).

4. Hilton Surpass Card

Terms Apply / Rates & Fees

Hilton Honors American Express Surpass^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

Hilton Honors American Express Surpass^® Card

An excellent high-earning Hilton credit card that comes with perks like Hilton Honors Gold status and up to $200 in Hilton credits every year.

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass^® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.

130,000 points

UP's Offer Valuation*:

Up to $650

Annual Fee

$150

APR

19.49%-28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

If you’re someone who loves traveling and loves staying in Hilton hotels, adding a co-branded Hilton hotel card to your wallet is almost a no-brainer. From automatic Hilton elite status to up to $200 in Hilton credits every year, the Hilton Honors American Express Surpass^® Card can be a great fit for Hilton loyalists looking to up their travel game.

Pros & Cons

Pros

• 12x points per $1 at Hilton hotels
• 6x points per $1 at U.S. supermarkets, U.S. gas stations, and U.S. restaurants
• 4x points per $1 at U.S. online retail purchases

Cons

• $150 (rates & fees)

Read Full Review

Card Highlights

• Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Surpass^® Card after you spend $3,000 in purchases on the Card within your first 6 months of Card Membership.
• Enjoy complimentary Hilton Honors™ Gold status with your Card. Plus, spend $40,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Diamond status through the end of the next calendar year.
• Get up to $50 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Surpass^® Card. That’s up to $200 in statement credits annually.
• Earn a Free Night Reward from Hilton Honors after you spend $15,000 on eligible purchases on your Card in a calendar year.
• Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio.
• Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
• Earn 4X Points for each dollar on U.S. Online Retail Purchases.
• Earn 3X Points for all other eligible purchases on your Card.
• As a Hilton Honors American Express Surpass^® Card Member, you can enroll to receive complimentary National Car Rental^® Emerald Club Executive^® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
• No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
• Whenever you travel more than 100 miles from home, Global Assist^® Hotline is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
• Points don’t expire while your Hilton Honors American Express Surpass^® Card is active and in good standing.
• $150 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: 19.49%-28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Hilton Honors

The Hilton Surpass card is Hilton’s premium consumer credit card, and it offers plenty of benefits and value for a reasonable annual fee.

How To Access Complimentary Breakfast With the Hilton Surpass Card

With this card, you get complimentary Hilton Honors Gold status. If you know you’ll be staying at Hilton properties and are looking for elite status that’s good enough to get free breakfast, this is the perfect card: You keep your annual fees low while having elite status (Gold) high enough to get complimentary breakfast during Hilton stays.

You don’t get Diamond benefits like suite upgrades and executive lounge access, but you save a lot in fees.

Other Reasons To Get the Hilton Surpass Card

You can earn up to 12 Hilton points per $1 spent:

• 12x points on eligible purchases at participating hotels or resorts within the Hilton portfolio
• 6x points on dining at U.S. restaurants, including takeout and delivery, U.S. supermarkets, and U.S. gas stations
• 4x points on U.S. online retail purchases
• 3x points on all other purchases

With this card, you can get a Free Night Reward after spending $15,000 on eligible purchases in a calendar year, as well as the ability to get Hilton Honors Diamond status after spending $40,000 on eligible purchases in a calendar year.

The Hilton Surpass card comes with secondary rental car insurance, extended warranty, and baggage insurance.

5. Hilton Business Amex Card

Terms Apply / Rates & Fees

The Hilton Honors American Express Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Apply Now(at Amex's secure site)

The Hilton Honors American Express Business Card

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Welcome Offer

Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.

130,000 points

UP's Offer Valuation*:

Up to $650

Annual Fee

$195

APR

19.49% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

Pros & Cons

Pros

• Earn 12x points per $1 on eligible Hilton purchases
• Earn 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3x points thereafter.
• Complimentary Hilton Honors Gold status, and the ability to spend your way to Diamond status

Cons

• $195 annual fee (rates and fees)

Read Full Review

Card Highlights

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership.
• Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay.
• Earn 12X Hilton Honors Bonus Points on eligible purchases made directly with hotels and resorts within the Hilton portfolio.
• Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X Points thereafter.
• You may receive an upgrade to Hilton Honors™ Diamond Status through the end of the next calendar year if the total eligible purchases that you spend on your Card Account during a calendar year reach $40,000 or more.
• Terms apply.

Financial Snapshot

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Hilton Honors loyalty program

The Hilton Business Amex card is a top choice for a hotel business credit card because its welcome offer bonus is enormous and its perks are generous.

How To Access Complimentary Breakfast With the Hilton Business Amex Card

Since this card gets you Hilton Honors Gold status, you can eat a complimentary breakfast during most Hilton stays.

Other Reasons To Get the Hilton Business Amex Card

If you value Hilton points, know that they’re easy to earn on this card, which offers up to 12 Hilton points per $1 spent:

• 12x at hotels and resorts in the Hilton portfolio
• 5x on the first $100,000 of eligible purchases per calendar year, 3x thereafter

The card offers complimentary Hilton Honors Gold status, but you can earn Diamond status after spending $40,000 on eligible purchases in a calendar year. You even get employee cards at no extra cost, a baggage insurance plan, secondary rental car insurance, and no foreign transaction fees (rates & fees).

6. Citi Strata Elite Card

Citi Strata Elite℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome Offer

Earn 75,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening.

75,000 points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$595

APR

20.49% to 28.49% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

• 12x points on hotels, rental cars, and attractions booked through Citi Travel
• 6x points on airfare through Citi Travel
• 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

• $595 annual fee
• Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

• Earn 75,000 bonus ThankYou Points after spending $6,000 within the first 3 months of account opening
• 12x points on hotels, car rentals, and attractions booked on cititravel.com
• 6x points on air travel booked on cititravel.com
• 6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. ET, and 3x points any other time
• 1.5x points on all other purchases
• Global Entry or TSA PreCheck credit
• Up to $300 annual hotel benefit
• Up to $200 annual Splurge credit
• Up to $200 annual Blacklane credit
• 4 American Airlines Admirals Club passes every calendar year
• Transfer Citi ThankYou Points to partners like American Airlines
• Complimentary Priority Pass membership
• No foreign transaction fees

Financial Snapshot

• APR: 20.49% to 28.49% Variable
• Foreign Transaction Fees: None

The Citi Strata Elite card launched in mid-2025, shaking up a market led by Amex, Chase, and Capital One with this new premium card. It offers the possibility of free breakfast during certain hotel stays and a variety of other travel and lifestyle perks.

How To Access Complimentary Breakfast With the Citi Strata Elite Card

The Reserve by Citi Travel is a collection of premium hotels that directly competes with American Express’ Fine Hotels + Resorts and Chase’s The Edit. Similar to these programs, The Reserve offers the following perks:

• Daily complimentary breakfast for 2
• Free Wi-Fi
• A $100 experience credit 
• Early check-in (when available)
• Late checkout (when available)
• Room upgrades (when available)

Not quite as premium as The Reserve, Citi also has the Hotel Collection, which has these benefits:

• Daily complimentary breakfast for 2
• Free Wi-Fi
• Early check-in (when available)
• Lake checkout (when available)

Remember, you must book directly through Citi Travel to access these curated hotel collections and get the perks, including free breakfast.

Other Reasons To Get the Citi Strata Elite Card

This card’s $300 annual travel credit on hotels booked through Citi Travel is a top perk. You can find a Hotel Collection or Reserve property, get $300 off your booking, and reap the aforementioned benefits (including free breakfast).

The Citi Strata Elite card’s earning potential is another coveted perk, as you get:

• 12x points on hotels, car rentals, and attractions booked on cititravel.com
• 6x points on air travel booked on cititravel.com
• 6x points at restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time, and 3x points any other time
• 1.5x points on all other purchases

Plus, you also get a Global Entry or TSA PreCheck credit every 4 years, an up to $200 annual Blacklane credit, an up to $200 annual Splurge Credit (to use on brands like American Airlines or Best Buy), a Priority Pass membership (with the ability to bring in 2 guests), 4 American Admirals Club passes every calendar year, and the ability to redeem points via Citi Travel or transfer them to numerous hotel and airline partners such as American Airlines.

7. Citi Strata Premier Card

Citi Strata Premier℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Citi Strata Premier℠ Card

Welcome Offer

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com

60,000 points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier℠ Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X point per $1 spent on all other purchases.
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card.
• No foreign transaction fees on purchases.

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

If you want a card that offers free breakfast at certain hotels as well as a few other perks, the Citi Strata Premier card‘s reasonable annual fee of $95 won’t break the bank.

How To Access Complimentary Breakfast With the Citi Strata Premier Card

This card, similar to the Citi Strata Elite card, also has access to stays booked at The Reserve and Hotel Collection via Citi Travel. You get free breakfast, as well as the same perks listed above in the Citi Strata Elite card section, during these stays.

Other Reasons To Get the Citi Strata Premier Card

Cardholders get a $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com annually, a perk you can easily use when booking a Reserve or Hotel Collection property to get complimentary breakfast.

The Citi Strata Premier card also comes with the ability to transfer points to partners and the following earning opportunities:

• 10x points on hotels, car rentals, and attractions booked on CitiTravel.com
• 3x points on air travel and other hotel purchases, at restaurants, supermarkets, and gas and EV charging stations
• 1x points on all other purchases

8. Chase Sapphire Reserve Card

NEW OFFER

Terms Apply / Rates & Fees

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Apply Now(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 125,000 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.

125,000 150,000 points

UP's Offer Valuation*:

$3,000

Annual Fee

$795

APR

19.49% - 27.99% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options.

The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.

Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!

Pros & Cons

Pros

• 8x points on all Chase Travel purchases
• 5x points on Lyft rides
• 4x points on flights and hotels booked directly

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 150,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
• Get $3,000 in annual value with Sapphire Reserve.
• Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
• $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge^® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck^® every 4 years
• Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
• Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $288 annually
• Member FDIC

Financial Snapshot

• APR: 19.49% - 27.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The recently revamped Chase Sapphire Reserve card now comes with a higher $795 annual fee, but it also offers valuable perks you can use to offset it.

How To Access Complimentary Breakfast With the Chase Sapphire Reserve Card

Book through Chase’s curated hotel collection, The Edit by Chase, and get the following benefits on a 2-night-or-longer stay:

• $100 property credit
• Daily breakfast for 2 guests
• Room upgrade, subject to availability
• Early check-in, subject to availability
• Late checkout, subject to availability
• Free Wi-Fi
• A property-specific amenity (lunch or dinner for 2 guests, airport transfers, etc.)

While this draws comparisons to Amex’s Fine Hotels + Resorts, the eligible hotel portfolio differs slightly. Also, the benefits can vary on a case-by-case basis.

The card comes with complimentary IHG One Rewards Platinum Elite status. However, if you spend $75,000 in a calendar year, you get a $250 credit for The Shops at Chase, a $500 Southwest Airlines Chase Travel credit and A-list status, and IHG Diamond status — this perk gives you free breakfast at IHG properties.

Other Reasons To Get the Chase Sapphire Reserve Card

This card has solid bonus categories that can help earn a lot of points quickly:

• 5 Ultimate Rewards points per $1 spent on eligible Lyft purchases, plus a $10 monthly in-app credit (through September 30, 2027)
• 10x points on Peloton equipment and accessory purchases over $150 (through December 31, 2027)
• 4 Ultimate Rewards points per $1 spent on flight and hotel purchases booked directly
• 3 Ultimate Rewards points per $1 spent on dining purchases worldwide
• 1 Ultimate Rewards points per $1 spent on all other purchases

There’s also an easy-to-use $300 travel credit and $300 dining credit every year (based on your membership anniversary), as well as credits for Lyft, Apple TV and Apple Music, Peloton, some Chase Travel hotels, and StubHub.

Other travel benefits include a Priority Pass Select membership, a Global Entry or TSA PreCheck application fee credit every 4 years, a DoorDash DashPass subscription (activate by December 31, 2027), and rental car elite status with Avis and National. You can also access Chase Sapphire Lounge by The Club locations.

The Chase Sapphire Reserve card is a well-rounded card thanks to the best travel insurance on any credit card, including primary rental car coverage, trip cancellation and interruption, baggage delay, lost luggage, roadside assistance, and more.

9. Chase Sapphire Reserve Business Card 

Terms Apply / Rates & Fees

Sapphire Reserve for Business℠

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Apply Now

Sapphire Reserve for Business℠

The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.

Welcome Offer

Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening and access more than $6,000 in total business and travel value in your first year.

150,000 points

UP's Offer Valuation*:

$3,000

Annual Fee

$795

APR

Flex for Business Variable APR: 17.74% - 28.49%

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.

Pros & Cons

Pros

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines (uncapped)

Cons

• $795 annual fee

Read Full Review

Card Highlights

• Earn 150,000 bonus points after you spend $20,000 on purchases in your first 3 months from account opening.
• $6,000+ in value your first year. 150K points, valued at $3,000 for select flights and hotels through Chase Travel℠, plus $3,000+ in annual value through travel and business benefits.
• Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
• Earn 5x total points on Lyft rides through 9/30/27.
• Earn 4x points on flights & hotels booked direct.
• Earn 3x points on social media & search engine advertising.
• Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
• Enjoy complimentary access to the Chase Sapphire Lounge^® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
• Member FDIC

Financial Snapshot

• APR: Flex for Business Variable APR: 17.74% - 28.49%
• Foreign Transaction Fees: None

One of the best business credit cards for complimentary breakfast, the Chase Sapphire Reserve Business card has a few ways you can get that first meal of the day for free, as well as other useful business and travel perks.

How To Access Complimentary Breakfast With the Chase Sapphire Reserve Business Card 

The Chase Sapphire Reserve Business card offers the same perks as the personal Chase Sapphire Reserve card when booking with The Edit, including daily breakfast for 2 people.

You can also get IHG Diamond status (which means you get free breakfast when staying at IHG hotels), a $250 credit for The Shops at Chase, a $500 Southwest Airlines Chase Travel credit, and Southwest A-list status, after spending $120,000 in a calendar year.

Other Reasons To Get the Chase Sapphire Reserve Business Card

Obtain travel-related statement credits with the Chase Sapphire Reserve Business card, including the same $300 annual travel credit that comes with the personal Chase Sapphire Reserve card and a $500 annual credit with The Edit by Chase Travel (split into 2 $250 credits), which is particularly useful for those free breakfast bookings. Plus, you get Priority Pass membership; a Global Entry, TSA PreCheck, or NEXUS credit every 4 years; access to Chase’s lounge collection, and the same host of travel protections the personal card offers.

Business-related perks include a $400 annual ZipRecruiter credit, a $200 annual Google Workspace credit, a $100 Giftcards.com credit, $300 per year in monthly DoorDash promos, complimentary DashPass membership, and $120 in annual Lyft in-app credits ($10 per month through September 30, 2027).

When it comes to earnings, you get:

• 8x points on Chase Travel purchases
• 4x points on flights and hotels booked directly
• 3x points on advertising purchases made with social media sites and search engines

10. Capital One Venture X Card 

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

One of the most affordable premium travel cards on the market, the Capital One Venture X Rewards Credit Card offers ways to get complimentary breakfast, among a myriad of other perks.

How To Access Complimentary Breakfast With the Capital One Venture X Card

Book a Premier Collection property on Capital One Travel and get the following benefits:

• Daily breakfast for 2
• Early check-in when available
• Late checkout when available
• $100 experience credit
• Room upgrade when available
• Complimentary Wi-Fi

Other Reasons To Get the Capital One Venture X Card

You can use your $300 annual Capital One Travel credit to book a Premier Collection hotel and get that free breakfast. Or use it on any other Capital One Travel booking. Cardholders also get an annual, 10,000-mile membership-anniversary bonus (equal to $100 toward travel), a credit for Global Entry or TSA PreCheck every 4 years, access to participating Priority Pass lounges upon enrollment, and access to Capital One Lounges and Landings.

This card has one of the best earning rates on everyday purchases among flexible rewards cards: 2x on all purchases. Plus, you earn unlimited 10x miles on hotels and rental cars booked through Capital One Travel and 5x miles on flights and vacation rentals booked through Capital One Travel. Redeem miles via Capital One Travel or by transferring to airline and hotel partners.

11. Capital One Venture X Business Card

Capital One Venture X Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Capital One Venture X Business Card

The Capital One Venture X Business card offers at least 2x miles on all purchases, and comes packed with premium perks.

Welcome Offer

Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening.

150,000 miles

UP's Offer Valuation*:

Up to $2,700

Annual Fee

$395

APR

25.74% (Variable)

Why We Like This Card

The Capital One Venture X Business card is a great all-around premium rewards card that helps you rack up miles on all of your business expenses.

From 2x miles per dollar on all purchases, airport lounge access, an annual travel credit, complimentary employee cards, and more, there is plenty to love about the Capital One Venture X Business card.

Pros & Cons

Pros

• 10x miles per dollar on hotels and rental cars purchased through Capital One Business Travel
• 5x miles per dollar on flights and vacation rentals purchased through Capital One Business Travel
• 2x miles per dollar on all other purchases

Cons

• $395 annual fee
• 10x and 5x bonus categories are limited to Capital One Business Travel

Read Full Review

Card Highlights

• Earn 150,000 bonus miles once you spend $30,000 in the first 3 months from account opening
• Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions
• Earn 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Business Travel
• With no preset spending limit, enjoy big purchasing power that adapts so you can spend more and earn more rewards
• Empower your teams to make business purchases while earning rewards on their transactions, with free employee and virtual cards. Plus, automatically sync your transaction data with your accounting software and pay your vendors with ease
• Redeem your miles on flights, hotels and more. Plus, transfer your miles to any of the 15+ travel loyalty programs
• Every year, you'll get 10,000 bonus miles after your account anniversary date. Plus, receive an annual $300 credit for bookings made through Capital One Business Travel
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®. Enjoy access to 1,300+ airport lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Your card is designed to be paid in full. However, you have the option to carry over a portion of your balance with interest if needed. Pay at least the minimum payment amount by your payment due date, otherwise you'll be charged a 2.99% late fee
• Top rated mobile app

Financial Snapshot

• APR: 25.74% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

The Capital One Venture X Business card comes with many perks for a reasonable $395 annual fee.

How To Access Complimentary Breakfast With the Capital One Venture X Business Card

The Capital One Venture X Business card has the same benefits, including free breakfast, as the personal Capital One Venture X card when you book with The Premier Collection on Capital One Business Travel.

Other Reasons To Get the Capital One Venture X Business Card

This card offers the same earning rates as the personal Capital One Venture X Card and perks (mentioned above), though you’ll be booking via Capital One Business Travel.

Final Thoughts

If the most important meal of the day is one you’d like to get for no extra charge, consider applying for one of the credit cards on this list. Each card has specific limitations as to which hotels give you complimentary breakfast, and you may have to book in a very specific way, but when you sit down to those eggs Benedict, fresh fruit, and piping hot coffee on your next business or leisure hotel stay knowing you’re dining for free, it’ll all be worth it.