Edited by: Stella Shon
& Kellie Jez
Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.
See Pay Over Time APR
Good to Excellent (670-850)
This card is undoubtedly the #1 card for luxury travel benefits. From the best lounge access (of any card) to statement credits, to complimentary elite status, you can’t go wrong.
(at Amex's secure site)
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.
The Amex Platinum card is well worth it for frequent travelers who want luxury travel and lifestyle perks, and who can regularly take advantage of the card’s premium benefits.
When you combine best-in-class airport lounge access with 5x earnings on airfare and prepaid hotels booked with Amex Travel, Gold elite status with Marriott Bonvoy and Hilton Honors, and access to Amex’s Fine Hotel & Resorts program, you’ve got a package that makes for one of the best travel cards in the industry.
While it’s true that the annual fee might initially give you pause, when you consider the bevy of credits that come with the card, the math starts to come out in your favor.
Virtually every benefit offered with the card is tailored toward enhancing your travel experiences, and it shows, making it a perfect complement to any traveler looking to upgrade their travels.
If this sounds like the ideal card for you then take a look at this fantastic Amex platinum 150k referral offer.
Active-duty Military? You can access exclusive military perks and benefits as an Amex Platinum cardholder.
One of the easiest ways to determine how worthwhile the Amex Platinum card will be to you is to consider how much value you’ll get out of the card’s annual credits, and whether or not that figure exceeds the annual fee you pay. These credits include:
Note that some credits require enrollment, so be sure to explore your American Express account to make the most of your card.
By far one of the best benefits of the card is the level of airport lounge access that it offers via the American Express Global Lounge Collection.
Not only do you get access to Priority Pass lounges that many other premium credit cards offer, but you also get access to swanky Amex Centurion Lounges, International Centurion Lounges, Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, Airspace Lounge, select Virgin Clubhouses, select Lufthansa lounges when flying with Lufthansa Group the same day, and Delta Sky Clubs when flying with Delta the same day.
This means that no matter what airport you find yourself in, you’ll almost always have a lounge that you can kick back and relax in thanks to your Amex Platinum card, making it one of the best credit cards with lounge access.
Both status levels will earn you extra points on stays, space-available room upgrades, late checkout if available, and much more.
If you regularly rent cars during your travels, you’ll love that the Amex Platinum card gets you automatic National Emerald Club Executive status, along with Avis Preferred and Hertz Gold Plus benefits.
Perks from each company include, but aren’t limited to, vehicle upgrades, discounts, expedited pickup lanes, and convenient dropoff locations.
If anything goes wrong during your travels, your Amex Platinum card keeps you covered with the following travel insurance benefits:
The doesn’t just offer travel protections though. You’re also covered with the following consumer protections:
Naturally, aside from using your card for your daily purchases, you’ll want to learn how you can earn as many Amex points as possible. Fortunately, we have a comprehensive guide covering all the best ways to earn Amex Membership Rewards points.
From there, you’ll want to learn about all the best ways to redeem your Amex points. This will help you start traveling like a pro while getting huge value out of your hard-earned points.
Some of our favorite ways to redeem our Amex Membership Rewards points include utilizing select Amex travel transfer partners to book business and first class tickets for a mere fraction of the typical cash price!
If this sounds like the right credit card for you, take a look at this fantastic Amex Platinum offer, and be sure to read our guide to find out all you need to know about making an American Express credit card application.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
The Chase Sapphire Reserve card offers 3x points per $1 spent on all travel and dining purchases, with the travel definition being extended to include airfare, hotels, Airbnb, Uber/Lyft, and more.
Combine that with a $300 travel credit and a Priority Pass membership, and it makes for a compelling option.
While the Chase Sapphire Reserve card doesn’t feature nearly the level of elite benefits that the Amex Platinum card does, this could be a good option for you if you’re after a more well-rounded travel card.
Check out our head-to-head comparison of the Amex Platinum card vs. the Chase Sapphire Reserve card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit 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.
If you prefer a premium rewards card that offers airport lounge access at a lower annual fee, then the Capital One Venture X card could be a perfect option.
With its $395 annual fee (rates & fees), you’ll get complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network, a 10,000-mile anniversary bonus at your first anniversary, $300 annual travel credit, and much more.
The card earns 10x miles per $1 on hotels and rental cars booked through Capital One Travel, 5x miles per $1 on flights booked through Capital One Travel, and 2x miles per $1 on all other purchases.
Which card is right for you? See our detailed comparison of the Amex Platinum card vs. the Capital One Venture X card.
We’ve also compared the Amex Platinum card to a number of other popular cards:
For rates and fees of The Platinum Card® from American Express, click here.
Most travel credit cards require applicants to have good credit in order to be approved. American Express does not publish a required benchmark score, but if you have a strong credit score it’s likely your application will be approved.
However, keep in mind that the annual fee will be due on your first billing statement — so if that isn’t something you can afford, you should consider another card.
While the annual fee is high, the number of benefits received from the card makes it “worth it” to many people.
The card comes with up to $200 in airline incidental credit, up to $200 on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel, up to a $240 digital entertainment credit, up to a $100 Saks Fifth Avenue credit, and up to a $300 Equinox credit (among others), all of which effectively cancel out much of the annual fee.
Then add in the 5x earnings on flights and prepaid hotels booked with Amex Travel, Gold status with Hilton and Marriott hotels, and access to over 1,400 airport lounges worldwide.
Given the number of luxury benefits you receive from having the card, it’s definitely worth it if you can afford the annual fee.
See the card summary table listed above for the annual fee. If you wish to add an Amex Platinum authorized user to the account, you can add up to 3 for an additional $175 per year. Each authorized user of the card will receive all of the same benefits as the main cardmember. You also have the option of adding up to 99 Amex Gold cards for no additional annual fee. Keep in mind that while these cards have the same earning rate as the Amex Platinum card, they receive none of the elite benefits (rates and fees).
The card gets you access to all of the American Express Centurion Lounges, Delta Sky Clubs (when flying Delta the same day), Priority Pass lounges, Plaza Premium Lounges, Airspace Lounge, select Lufthansa lounges when flying with Lufthansa Group the same day, select Virgin Clubhouses, and Escape Lounges – The Centurion Studio Partner.
This is by far the most extensive list of eligible lounges you can visit offered by any travel credit card on the market.
Note: Priority Pass memberships from U.S.-issued American Express cards no longer include restaurants (“non-lounge airport experiences”).
Yes, it’s a metal card.