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The 10 Best Rewards Credit Cards for High-spend & Large Purchases [2024]

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We’re all familiar with the concept that if you spend more on a rewards-earning credit card, you’ll earn more rewards.

While it’s a simple concept, if you can generate big spending on a credit card, you may be able to catapult your benefits to a higher level than just the normal rewards earned for spending.

Many credit cards have spending thresholds that trigger benefits far beyond regular earnings.

We’re not talking about exclusive high-net-worth or invitation-only credit cards here either — we’re looking at hotel, airline, and premium travel credit cards that most consumers with excellent credit can qualify for.

It may seem like only those who can spend big will reap rewards — but you don’t need to be a high roller or big business owner to earn these extra bonuses. With that said, you may need a high-limit credit card to meet some of these spending levels.

Let’s take a look at just what level of spending is required, and whether you might be sitting on the edge of greater rewards!

What To Look For in a Credit Card for High-spend and Large Purchases

You generally can’t have high spending without having a high credit limit.

High-limit credit cards are generally considered those credit cards with limits greater than $10,000. You’ll need an excellent credit score and sufficient income to qualify for a card with a credit limit greater than $10,000.

You won’t know upfront what your credit limit will be when you apply for a card, but you’ll want it to be sufficient to allow you to match your anticipated spending levels and in turn, earn the associated rewards.

Hitting credit card spending thresholds can earn a variety of elevated reward levels, including the following:

  • Free hotel nights
  • Hotel loyalty program elite status
  • Companion airline tickets
  • Bonus frequent flyer miles
  • Mileage/dollars toward airline elite status
  • Bonus rewards points
  • Generous welcome bonuses

Premium credit cards and business credit cards generally do have greater credit limits, thus allowing you to keep credit utilizing percentages in check.

Hot Tip: When you’re approved for a new credit card, make sure the credit limit is sufficient for your upcoming spending. It is possible to move credit limits between credit cards of the same issuer or ask for an increase due to a large upcoming purchase for example. To increase credit limits on existing credit cards, check out our suggestions for American Express and Chase cards. 

The 5 Best Personal Cards for High-spend and Large Purchases

Card Summary

SCROLL FOR MORE
CardWelcome Bonus and Annual FeeBenefits for High-spend and Large Purchases
The Platinum Card® from American Express
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • 5x points on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points on prepaid hotels booked with AmexTravel.com
  • No preset spending limit
The World of Hyatt Credit Card
  • Earn 30,000 points after you spend $3,000 on purchases in your first 3 months and up to 30,000 more points by earning 2x points total on purchases that normally earn 1 bonus point, on up to $15,000 spent, in the first 6 months.
  • Annual fee of $95
  • A second Free Night Award, valid at Category 1 to 4 properties, when you spend $15,000 on the card in a calendar year (your first Free Night Award is earned after each cardmember anniversary)
  • Spend your way to top-tier Globalist status by earning 2 elite night credits for every $5,000 spent on the card
Southwest Rapid Rewards® Priority Credit Card
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • Annual fee of $149
  • Spend your way to the Companion Pass (requires 135,000 Companion Pass qualifying points every calendar year)
British Airways Visa Signature® Card
  • Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first 3 months.
  • Annual fee of $95
  • Earn a Travel Together Ticket good for 2 years when you make $30,000 in purchases every calendar year
Delta SkyMiles® Reserve American Express Card
  • Earn 60,000 miles after you spend $5,000 in purchases in the first 6 months.
  • Annual fee of $650
  • Complimentary domestic round-trip companion certificate each year upon renewal of your card on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American flights

*Effective 1/1/24, this benefit will no longer be available.

The Amex Platinum Card (Best for Travel, Elite Status, Lounge Access)

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Learn More(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.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
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 cardapplication.
Good to Excellent (670-850)

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
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, 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
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Our favorite card for high spending and large purchases is, without a doubt, the Amex Platinum card. One of the most iconic items in your wallet, this epic hunk of metal offers superb rewards, luxury travel benefits, and potentially, some of the highest spending power available.

Routinely paired with a 6-figure welcome bonus, the Amex Platinum card earns a whopping 5x Membership Rewards points per dollar spent on flights purchased directly with the airline or through AmexTravel.com, up to $500,000 per calendar year. In addition, prepaid hotels booked with AmexTravel.com also earn 5x points per dollar spent.

The Amex Platinum card is famous for having no preset spending limit, which means you can confidently make large purchases beyond what a normal credit card limit can facilitate.

In addition, cardholders will enjoy some of the best luxury travel perks you can get:

As you can imagine, the benefits on this card actually pay for the annual fee in spades, and that’s not even taking into account the extra $240 digital entertainment credit (up to $20 monthly), $300 Equinox credit, and $100 Saks Fifth Avenue credit (2 credits of up to $50 semi-annually).

Remember, this fantastic card has no foreign transaction fees (rates & fees) and comes with purchase protection, extended warranty, and so much more.

Why We Like Earning Amex Membership Rewards Points

It’s probably not a secret that American Express Membership Rewards is one of the most valuable points currencies out there. According to our valuations, they’re pegged at 2.2 cents each, which could make your return on spending equal to around 11%!

Additionally, there are many Amex transfer partners, which enables you to get even more value from your rewards by booking luxury award travel.

If that’s not your jam, you can redeem your points at a lower value for cash-back, statement credits, merchandise, gift cards, charitable donations, and travel bookings through AmexTravel.com.

The World of Hyatt Credit Card (Best for Free Hotel Nights, Elite Status)

The World of Hyatt Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros
  • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
Cons
    • $95 annual fee
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

Our second-favorite credit card is the World of Hyatt card, which is fantastic for high spenders and large purchases. We think this card is great for these types of transactions and individuals because you can theoretically spend your way to top-tier World of Hyatt Globalist status thanks to this card.

Although the welcome bonus is still very nice and you can earn up to 9 total points per dollar spent, the key benefit for big spenders is that you’ll earn 2 qualifying elite night credits towards World of Hyatt elite status every time you spend $5,000 on your card, with no limit.

Because this card offers 5 elite night credits just by holding it and Globalist requires a total of 60 elite night credits to qualify, you’ll achieve Globalist status from this card if you spend at least $137,500 per year (assuming you don’t book any Hyatt stays the whole year).

And the cherry on top is that you’ll get 1 free night at any Category 1-4 property after every cardmember anniversary year, plus 1 extra free night at a Category 1-4 property if you spend $15,000 in a calendar year.

The World of Hyatt card’s other benefits aren’t anything to sneeze at, either, because you can earn up to 9 total World of Hyatt points per dollar spent (4 points per dollar on purchases at all Hyatt hotels and 5 points from Hyatt per eligible dollar spent for being a World of Hyatt member). Here’s how it’s broken out:

  • 4 points per $1 spent at all Hyatt hotels
  • 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airline, on local transit and commuting, and on fitness club and gym memberships
  • 1 point per $1 spent on all other purchases

Lastly, enjoy automatic Discoverist status, a DoorDash DashPass subscription, purchase protection, travel insurance, no foreign transaction fees, and no additional annual fees for authorized users.

Bottom Line: Many hotel-branded credit cards offer a free night certificate for renewing your credit card, or offer enough bonus points to redeem for a free night. This free night alone can almost always offset any annual fee.

Why We Like Earning World of Hyatt Points

World of Hyatt points are widely considered to be the most valuable hotel points in the business. And while some exceptions exist, we’re able to consistently get better value on hotel bookings than our valuations of 1.5 cents per point would indicate. So, earning 4x points would be equivalent to a return on spending of 6%.

Indeed, if you earmark those valuable points for stays at luxury or sweet spot properties, you can get a fantastic return on spending beyond our valuations!

Southwest Rapid Rewards® Priority Credit Card (Best for Companion Tickets)

Southwest Rapid Rewards® Priority Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.

This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
Earn 50,000 points.
$650
$149
21.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The Southwest Rapid Rewards® Priority Credit Card is the most premium personal Southwest card offering from Chase. When you peel back the curtain, it is easy to see why.

Not only does the card offer multiple bonus categories to help you earn more Southwest Rapid Rewards points, but it is also loaded with benefits that are sure to offer quite a bit of value to Southwest flyers.

Here is a full overview of the card to help you decide if it is a good fit for your wallet.

Pros
  • 3x points per $1 on Southwest purchases
  • 2x points per $1 on local transit and commuting, including rideshare purchases
  • 2x points per $1 on internet, cable, phone services, and select streaming purchases
Cons
  • $149 annual fee
  • Does not earn transferable points
  • Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.
  • 7,500 anniversary points each year.
  • Earn 3X points on Southwest® purchases.
  • Earn 2X points on local transit and commuting, including rideshare.
  • Earn 2X points on internet, cable, and phone services; select streaming.
  • $75 Southwest® travel credit each year.
  • No foreign transaction fees.
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Southwest Rapid Rewards Frequent Flyer Program

The Southwest Priority card, issued by Chase, is the premium Southwest co-branded credit card, and it’s one that’s worth paying attention to. To kick off your relationship, you can earn a welcome bonus after meeting an introductory spending requirement.

But the reason why this credit card makes so much sense for big spenders is that it allows you to spend your way to Southwest’s famous Companion Pass.

Specifically, if you earn 135,000 Companion Pass qualifying points, you’ll earn the Companion Pass, which allows you to choose 1 person to fly with you on the same flight for just taxes and fees.

Hot Tip: You can change the companion up to 3 times every calendar year and allow up to 21 business days for processing.

Plus, the Southwest Priority card allows you to earn 1,500 tier qualifying points (TQPs) for every $5,000 spent per calendar year towards A-list status with no limits on the TQPs you can earn.

On the rewards front, you’ll earn up to 3x Rapid Rewards points:

  • 3x points on Southwest purchases
  • 2x points on Rapid Rewards hotel and car partners, local transit and commuting (including rideshare), and on internet, cable, phone service, and select streaming
  • 1x points on all other purchases

If you fly Southwest, you’ll enjoy 25% back on inflight purchases, 4 Upgraded Boardings per year when available, a $75 annual Southwest travel credit, and a cardmember anniversary bonus of 7,500 points every year.

All the standard benefits apply, including no foreign transaction fees, purchase protection, extended warranty, and no additional fee for authorized user cards.

Why We Like Earning Southwest Rapid Rewards Points

Southwest Rapid Rewards points, by our valuations, are worth around 1.4 cents each. The value of these points is much easier to ascertain because these are known as fixed-value points.

So by earning up to 2x points per dollar spent, you’ll get a return on spending of around 2.8%.

Regardless of where you’re flying, your Rapid Rewards points will be redeemed for around 1.3 to 1.5 cents each. In addition, you can redeem those points in some unique ways!

British Airways Visa Signature® Card (Best for Companion Tickets)

LIMITED TIME OFFER!
British Airways Visa Signature® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.

This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.
Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
85,000 Avios
$1,063
$95
21.49%-28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The British Airways Visa Signature® Card is a stellar option for travelers who regularly travel with the airline. From all of the Avios the card helps you earn, to a 10% discount off cash tickets, and the award flight statement credits, you can get tons of value out of the card each year.

Pros
  • 3x Avios per $1 on British Airways, Aer Lingus, Iberia, and LEVEL purchases
  • 2x Avios per $1 on hotel accommodations purchased directly through hotels
  • 1x Avios per $1 on all other purchases
Cons
  • $95 annual fee
  • Does not earn transferable rewards
  • Limited time offer! Earn 85,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
  • Earn 3 Avios per $1 spent on purchases with British Airways, Aer Lingus, Iberia, and LEVEL.
  • Earn 2 Avios per $1 spent on hotel accommodations when purchased directly with the hotel.
  • 10% off British Airways flights starting in the US when you book through the website provided in your welcome materials.
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you’ll earn a Travel Together Ticket good for two years.
  • Pay no foreign transaction fees when you travel abroad.
  • Simply tap to pay with your contactless British Airways Visa Signature Card. Just look for the contactless symbol at checkout. It's fast, easy and secure!
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

British Airways Executive Club

One of the single, most-valuable perks you can get with a credit card is a British Airways Travel Together Ticket, which is attainable with the British Airways Visa card, issued by Chase.

The Travel Together Ticket essentially allows you to get a companion ticket on British Airways award travel, even in first class, for just the taxes and fees (with some exclusions).

If you spend $30,000 in a calendar year on the British Airways Visa card, you’ll get a Travel Together Ticket, which is good for 2 years. Eligible tickets must originate and return to the U.S., though you can call in and book a one-way flight, forfeiting the return segment if you can’t find return availability.

This single, valuable perk could potentially be worth more than $10,000, especially considering how expensive British Airways first class tickets between the U.S. and Europe can be.

This credit card also has some awesome other benefits like a 10% off British Airways discount, a reward flight statement credit to offset taxes and fees (up to $600 per year), no foreign transaction fees, and no annual fees for authorized users.

Of course, purchase protection and extended warranty are included, too.

Why We Like Earning British Airways Avios

We value British Airways Avios at 1.25 cents each, and while it’s true that British Airways Avios have been devalued over the past several years, it’s still easy to get outsized value if you redeem those Avios for international business and first class travel.

In addition, you can even get great value from British Airways Avios from short-haul flights in the U.S. if you choose to fly on American Airlines.

Delta SkyMiles® Reserve American Express Card (Best for Companion Tickets, Bonus Miles, Elite Status)

Delta SkyMiles® Reserve American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.

Learn More(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.

Delta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
60,000 Bonus Miles
$720
$650
20.99%-29.99% Variable
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 cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve American Express Card is a stellar option for frequent travelers who always fly with Delta thanks to its MQD Headstart towards status boost, lounge access, annual companion certificate, and many other great benefits.

Here is a full look at everything the Delta Reserve card can offer to you to help you decide whether the card deserves a place in your wallet.

Pros
  • 3x SkyMiles per $1 on Delta purchases
  • 1x SkyMile per $1 on all other eligible purchases
  • Card Members get 15% off when using miles to book Award Travel on Delta flights.
Cons
  • $650 annual fee (rates & fees)
  • No bonus categories other than Delta purchases
  • Earn 60,000 Bonus Miles after you spend $5,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve American Express Card design.
  • Enjoy complimentary access to the Delta Sky Club® and bring up to two guests or immediate family members at a rate of $50 per person per visit when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Receive four Delta Sky Club® One-Time Guest Passes each year when you fly together on Delta. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location.
  • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
  • Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
  • Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
  • Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
  • Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
  • No Foreign Transaction Fees.
  • $650 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 20.99%-29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta SkyMiles Airline Loyalty Program

The Delta Reserve card could potentially benefit you in a tremendous way if you’re a large spender and frequently fly on Delta.

When you’re traveling on a same-day Delta flight, you can enjoy complimentary access to Centurion Lounges and Delta Sky Clubs. You’ll receive 2 Delta Sky Club 1-time guest passes every year to let friends and family access the lounges with you, too. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Every cardmember anniversary year, you’ll get a companion certificate, which is good for a First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations.

And this is on top of the 3x miles on Delta purchases and 1x miles on other purchases.

It doesn’t end there because you’ll get your first checked bag free, a Global Entry or TSA PreCheck application fee credit, and 20% back on eligible Delta in-flight purchases.

There are no foreign transaction fees with this card, as well as no additional fees for authorized user cards (rates & fees).

Why We Like Earning Delta SkyMiles

Delta SkyMiles is one of the most popular frequent flyer programs in the U.S. since it’s associated with Delta Air Lines, one of the largest airlines available.

Unfortunately, SkyMiles has been devalued many times over the years, rendering SkyMiles worth about 1.2 cents each, according to our valuations.

However, if you find yourself looking to book international flights on partners such as Air France or KLM, it’s possible to actually get several times more value than 1.2 cents per point.

The 5 Best Business Credit Cards for High-spend and Large Purchases

Card Summary

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CardWelcome Bonus and Annual FeeBenefits for High-spend and Large Purchases
The Business Platinum Card® from American Express
  • ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.
  • Annual fee of $695 (rates & fees)
  • 1.5x points in key business categories, as well as on purchases of $5,000 or more everywhere else, on up to $2 million in these purchases per calendar year
  • 5x points on flights and prepaid hotels booked through AmexTravel.com
  • Access to over 1,400 worldwide lounges
  • No preset spending limit
American Express® Business Gold Card
  • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $375 (rates & fees)
  • 4x points on the top 2 business categories where your business spent the most each billing cycle
  • No preset spending limit
World of Hyatt Business Credit Card
  • Earn 60,000 points after you spend $5,000 on purchases in your first 3 months.
  • Annual fee of $199
  • 4x points on Hyatt stays
  • 2x points on the 3 categories you spend the most in each calendar quarter through December 31, 2024 (drops to your top 2 categories after) in eligible categories
  • Spend your way to top-tier Globalist status by earning 5 elite night credits for every $10,000 spent on the card
Southwest Rapid Rewards® Performance Business Credit Card
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
  • Annual fee of $199
  • Spend your way to the Companion Pass (requires 135,000 Companion Pass qualifying points every calendar year)
  • 4x points on Southwest purchases, 3x points on Rapid Rewards hotel and car rental partners
Delta SkyMiles® Reserve Business American Express Card
  • Earn 75,000 miles after spending $10,000 in purchases in the first 6 months.
  • Annual fee of $650 (rates & fees)
  • Complimentary domestic round-trip companion certificate each year upon renewal or your card on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American flights
  • 3x SkyMiles on Delta purchases
  • 1.5x SkyMiles on eligible purchases for the rest of the year after you spend $150,000 on your card in a calendar year

The Business Platinum Card® from American Express (Best for Travel, Earning Elite Status)

150K OFFER
The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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!

Learn More(at Amex's secure site)
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
150,000 points
$3,300
$695
19.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Pros
  • 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
  • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
  • Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
Cons
  • High annual fee of $695 (rates & fees)
  • Airline fee credit does not cover airfare, only incidentals like checked bags
  • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

This probably doesn’t come as a major surprise, but our favorite business card for high spenders and large purchases is the Amex Business Platinum card. Currently, it offers a whopping welcome bonus, plus the ability to earn 5x points per dollar on flights and prepaid hotels at AmexTravel.com.

But there are 2 major reasons why high spenders, in particular, would love this card. The first is that this card is known for having some of the largest spending power out there, thanks to the no preset spending limit perk.

The second reason is that you’ll get 1.5x points per dollar spent on eligible purchases in key business categories, as well as on purchases of $5,000 or more with a cap of $2 million in these purchases every calendar year.

So if you find yourself making large purchases frequently, you can use this card to do so with confidence thanks to no preset spending limit and that nifty large purchase bonus.

Enjoy other perks like access to the American Express Global Lounge Collection, Fine Hotels & Resorts, a 35% airline bonus when using Pay With Points (up to 1 million points rebated per calendar year), and hotel and car rental elite status.

Business owners will surely enjoy the slew of statement credits, including an airline fee credit of up to $200, up to $400 Dell credit, $189 CLEAR Plus credit, up to $360 Indeed credit, up to $150 Adobe credit, and up to $120 wireless credit.

To round out the perks, the Amex Business Platinum card has purchase protection, extended warranty, no foreign transaction fees (rates & fees), travel insurance, and cell phone protection.

American Express® Business Gold Card (Best For Earning Points)

BEST FOR BONUSES
American Express® Business Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex's secure site)
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
70,000 points
$1,540
$375
19.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The American Express® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros
  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
Cons
  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
  • *Terms Apply
Financial Snapshot
  • APR: 19.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Although the Amex Business Platinum card is one of the best business cards for luxury travel available, we also really love the Amex Business Gold card, which also comes with an enticing welcome bonus.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

  • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
  • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online, TV, radio)

The cap is $150,000 per calendar year, after which the 4x points drops to 1x points. So if you are a big spender, you’ll enjoy industry-standard rewards on up to $150,000 every year.

With this card, you’ll also get purchase protection, extended warranty, and basic travel insurance.

There are no foreign transaction fees with the Amex Business Gold card, and you can add up to 99 total employee cards for no annual fee after the first employee card fee of $50 (see rates & fees).

World of Hyatt Business Credit Card (Best for Earning Elite Status)

NEW OFFER
World of Hyatt Business Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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 World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$1,200
$199
21.49% - 28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros
  • 9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
  • 2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
  • 2x points per $1 spent on fitness club and gym memberships.
Cons
  • $199 annual fee
  • Bonus categories and benefits are very similar to the personal card
  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
  • 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases.
  • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

The World of Hyatt Business card is the business counterpart of the World of Hyatt card above, and it has similar benefits. Although the earning structure and welcome bonus might be different, you’ll still be able to spend your way to Globalist status.

Actually, this particular card earns elite night credits from credit card spending faster than the World of Hyatt card. Even though you won’t get 5 elite night credits just for holding World of Hyatt Business card, you’ll qualify for Globalist status with less credit card spending thanks to the ability to earn 5 elite night credits for every $10,000 you spend in a calendar year on the card.

That means if you’re starting from scratch, you’ll get the 60 elite night credits after spending a total of $120,000 in a calendar year. In contrast, the World of Hyatt card requires spending $137,500 in a calendar year to earn Globalist status by itself.

As far as earning rewards goes, you can earn up to 9 total points per dollar on purchases:

  • 4x bonus points per dollar spent on Hyatt stays (plus 5 base points per dollar spent on eligible Hyatt purchases)
  • 2x points per dollar spent at fitness clubs and on gym memberships
  • 2x points per dollar spent on the 3 categories where you spend the most (terms apply) in each calendar quarter through December 31, 2024 (2 categories after that)
  • 1x points per dollar spent on all other purchases

This card confers automatic World of Hyatt Discoverist status and the ability to gift Discoverist status to up to 5 employees. There’s a $100 annual Hyatt credit (2 $50 statement credits), access to the Hyatt Leverage program, a 10% rebate on points redeemed after spending $50,000 in a calendar year (up to 20,000 points rebated every year), and travel insurance.

The World of Hyatt Business card has no foreign transaction fees or any additional annual fees for employee cards.

Southwest Rapid Rewards® Performance Business Credit Card (Best for Earning Companion Tickets)

Southwest® Rapid Rewards® Performance Business Credit Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Earn 80,000 points after you spend $5,000 on purchases in the first 3 months.
80,000 points
$1,040
$199
21.49%-28.49% Variable
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 cardapplication.
Good to Excellent (670-850)

The Southwest Rapid Rewards® Performance Business Credit Card is a phenomenal option for business owners who are Southwest frequent flyers. It helps you earn more points on all of your business expenses, offers upgraded boarding certificates and Wi-Fi credits, and helps you reach higher levels of Southwest elite status. 

Pros
  • 4x points per $1 spent on Southwest purchases
  • 3x points per $1 spent on Rapid Rewards hotel and car rental partner purchases
  • 2x points per $1 spent on social media and search engine advertising, internet, cable, and phone services
Cons
  • $199 annual fee
  • Doesn’t earn transferable rewards
  • Earn 80,000 points after you spend $5,000 on purchases in the first 3 months from account opening.
  • 9,000 bonus points after your Cardmember anniversary.
  • Earn 4X pts on Southwest® purchases.
  • Earn 3X points on Rapid Rewards® hotel and car rental partners.
  • Earn 2X points on rideshare.
  • Earn 2X points on social media and search engine advertising, internet, cable, and phone services and 1X points on all other purchases.
  • 4 Upgraded Boardings per year when available.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None

If your business depends on flying Southwest frequently, you’ll love the Southwest Performance Business card, which is the most premium variant of all Southwest cards.

Currently, it has a huge welcome bonus and the ability to earn lots of Rapid Rewards points — but remember, the biggest benefit for high spenders is the ability to earn the Companion Pass, which is available on this card after you earn 135,000 Companion Pass qualifying points.

Of course, you can earn 1,500 tier qualifying points (TQPs) towards A-list status for every $5,000 spent.

Beyond that, there’s the maximum 4x points structure:

  • 4x Rapid Rewards points on Southwest purchases
  • 3x Rapid Rewards points on Rapid Rewards hotel and car partners
  • 2x Rapid Rewards points on social media and search engine advertising, rideshares, and internet, cable, and phone services
  • 1x Rapid Rewards points on all other purchases

As if this expansive earning structure wasn’t attractive enough, you’ll enjoy all of these fantastic Southwest perks:

  • 9,000 Rapid Rewards points every year on your cardmember anniversary
  • 4 Upgraded Boardings per year (when available)
  • $500 fee credit per year for points transfers
  • Global Entry or TSA PreCheck application fee credit
  • Up to 365 inflight Wi-Fi credits every year

To close out on this card, expect purchase protection, extended warranty, baggage insurance, no foreign transaction fees, and employee cards at no additional cost.

Delta SkyMiles® Reserve Business American Express Card (Best for Earning Companion Tickets, Bonus Miles, Elite Status)

Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's 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.

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex's secure site)
Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
75,000 Bonus Miles
$900
$650
20.99% - 29.99% Variable
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 cardapplication.
Good to Excellent (670-850)

The Delta SkyMiles® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

Pros
  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
Cons
  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
  • Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles® Reserve Business American Express Card design.
  • Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Earn 3 miles per dollar on eligible Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250  after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.
Financial Snapshot
  • APR: 20.99% - 29.99% Variable
  • Foreign Transaction Fees: None
Rewards Center

Delta SkyMiles Frequent Flyer Program

The very last card we’ll mention in this guide is the Delta Reserve Business card, which has a limited-time welcome bonus that will surely add to the value proposition.

These 2 perks make getting access to top-tier Delta SkyMiles much easier if you’re a big spender. And while you’re spending, expect to earn up to 3x SkyMiles per dollar spent:

  • 3x SkyMiles on all eligible Delta purchases
  • 1.5x SkyMiles after you spend $150,000 on your card in a calendar year
  • 1x SkyMiles on other purchases

Here are some other Delta-specific benefits you’ll also get with this card:

  • Complimentary access to Delta Sky Clubs when flying on a same-day Delta flight (plus per-visit rates of $50 per person for up to 2 guests on the same reservation)*
  • Complimentary access to Centurion Lounges and Escape Lounges – The Centurion Studio Partner when you purchase a Delta flight with your Delta Reserve Business card
  • Main Cabin 1 priority boarding
  • Your first checked bag for free

There’s also an up to $100 Global Entry/TSA PreCheck application fee credit, travel insurance, no foreign transaction fees (rates & fees), purchase protection, extended warranty, and even cell phone protection!

*Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Final Thoughts

If you have a business with large cash flow or spend a considerable amount personally, you’ll want to consider high limit or high spend credit cards that deliver the most value for your largest expenditures — and it may not be a hotel- or airline-branded credit card.

Directing major spending to achieve these bonuses shouldn’t be done without analyzing any lost opportunity cost either. For example, you may have cash-back credit cards with bonus categories earning 2% to 6% cash-back that would deliver greater value for some expenses.

You may also have rewards-earning credit cards that earn flexible rewards, which can be redeemed for a greater return on your dollars spent.

The best return for credit card spending, on a per-dollar basis, usually happens when you qualify for the initial welcome bonus after being approved for a credit card.

Since it’s possible to receive, for example, over 100,000 hotel points for spending a few thousand dollars in the first 3 months after card approval, it makes sense to include welcome bonuses in your credit card decision process.

Bottom Line: Unless you’re already spending large amounts on your credit card, striving for the additional big spend bonuses is hardly worth it. However, you should be aware of any available spending bonuses on your cards so that you don’t miss out by coming up short.

For the extended warranty and purchase protection benefits of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Delta SkyMiles® Reserve American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

For the extended warranty and purchase protection benefits of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of The Business Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty and purchase protection benefits of the American Express® Business Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. 

For the extended warranty and purchase protection benefits of the Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. For the cell phone protection benefit of the Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of Delta SkyMiles® Reserve American Express Card, click here.
For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

Frequently Asked Questions

Which is the best high-spend credit card?

Our favorite personal cards for high-spend are the Amex Platinum card, World of Hyatt card, Southwest Priority card, British Airways Visa card, and Delta Reserve card.

Our favorite business cards for high-spend are the Amex Business Platinum card, Amex Business Gold card, World of Hyatt Business card, Southwest Performance Business card, and Delta Reserve Business card.

The best card for you will also depend on the loyalty brands you frequent and where you spend the most money. If you’re a frequent traveler, for example, the best high-spend credit card for you will be different than for a person who does not travel.

Select the card that rewards your highest expenses, delivers benefits that you can actually use, and charges an annual fee you’re comfortable with.

Is a card with an annual fee worth it?

Yes, if a credit card delivers value for you that exceeds the cost of the annual fee then it is worth it.

For example, if you travel frequently and find value in having executive lounge access to shower and get some work done before an important meeting, a premium card offering complimentary lounge access would prove valuable.

Since an annual lounge membership can run $500 or more, having a credit card that charges an annual fee of $450 could be worth it, for example — especially since these premium credit cards usually come with additional travel expense rebates and other travel benefits.

Are high-spending rewards worth it?

In some cases, it may not be worth it. If your business is spending at a high level anyway, however, the benefit is there.

For example, you might not intentionally spend $20,000 on the Citi® / AAdvantage® Platinum Select® World Elite™ MasterCard just to receive $125 off an American Airlines ticket, but if your business is spending that anyway, the perk is there to utilize.

How do I use the free hotel nights?

In most cases, when you reach the required spending level, the free night certificate is deposited into your loyalty account and available for use when you make a reservation.

You can also call reservations for the hotel loyalty program to book your free night.

Free night certificates do have expiration dates, usually 1 year from the date the free night certificate is earned and issued.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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