The 9 Best Credit Cards for High-spend & Large Purchases [December 2024]
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What To Look For in a Credit Card for High-spend and Large Purchases
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.
The 4 Best Personal Cards for High-spend and Large Purchases
Card Summary
Card | Welcome Bonus and Annual Fee | Benefits for High-spend and Large Purchases |
The Platinum Card® from American Express  |
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Southwest Rapid Rewards® Priority Credit Card  |
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British Airways Visa Signature® Card  |
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Delta SkyMiles® Reserve American Express Card  |
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1. The Amex Platinum Card (Best for Worldwide Lounge Access, Perks & Elite Status)
Terms Apply / Rates & Fees
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
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.
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
- 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
- $695 annual fee (rates and fees)
- Airline credit does not cover airfare (only incidentals like checked bags)
Card Highlights
- 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.
- 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 through American Express Travel using 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: Platinum Card® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
- $199 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 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 $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, 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.
- 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.
- APR: See Pay Over Time APR
- Foreign Transaction Fees: None
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 Amex Travel, up to $500,000 per calendar year. In addition, prepaid hotels booked with Amex Travel 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:
- Access to the American Express Global Lounge Collection, which includes Centurion Lounges, Delta Sky Club when flying Delta the same day, Priority Pass lounges (enrollment required), and more
- Access to hotel perks like free breakfast and room upgrades when making bookings through Fine Hotels & Resorts and The Hotel Collection
- Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (enrollment required)
- Complimentary car rental privileges with Avis, Hertz, and National
- Phenomenal travel insurance, such as trip interruption and cancellation coverage, car rental loss & damange insurance, trip delay, and damaged, lost, or stolen baggage insurance
- Up to $200 airline fee credit
- $199 CLEAR Plus credit
- Up to $200 prepaid hotel credit
- Global Entry or TSA PreCheck application fee credit
- Up to $200 in Uber Cash
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.
2. Southwest Rapid Rewards® Priority Credit Card (Best for Companion Tickets)
This card focuses on the Southwest traveler with anniversary points, travel credit, upgrades, and money back on inflight purchases.
Why We Like This Card
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 & Cons
- 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
- $149 annual fee
- Does not earn transferable points
Card Highlights
- Earn a $400 statement credit and 40,000 bonus points after spending $3,000 on purchases in the first 4 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
- APR: 20.74% - 27.74% Variable
- Foreign Transaction Fees: None
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 qualifying points, you earn Companion Pass for the following full calendar year. Companion Pass allows you to choose one person to fly with you, free of airline charges (excluding taxes/fees), unlimited times whenever you purchase or redeem points for flights.
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.
3. British Airways Visa Signature® Card (Best for Companion Tickets)
This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.
Why We Like This Card
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 & Cons
- 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
- $95 annual fee
- Does not earn transferable rewards
Card Highlights
- Earn 75,000 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
- APR: 20.74% - 27.74% Variable
- Foreign Transaction Fees: None
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.
4. Delta SkyMiles® Reserve American Express Card (Best for Companion Tickets, Bonus Miles, Elite Status)
Terms Apply / Rates & FeesDelta loyalists will love the fast track to Delta elite status, lounge access, baggage benefits, and upgrade priority with the Delta Reserve card.
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.
Why We Like This Card
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 & Cons
- 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.
- $650 annual fee (rates & fees)
- No bonus categories other than Delta purchases
Card Highlights
- Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
- Enjoy complimentary access to the Delta Sky Club® when you fly 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. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person using the Card.
- Receive four Delta Sky Club® One-Time Guest Passes each year when you fly Delta so you can share the experience with family and friends.
- 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 a Main Cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for round-trip domestic flights and no more than $250 for round-trip 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: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. 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.
- 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.
- APR: 19.99%-28.99% Variable
- Foreign Transaction Fees: None
The Delta Reserve card could potentially benefit you in a tremendous way if you’re a large spender and frequently fly on Delta.
First of all, receive a Companion Certificate on First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal; all you have to pay are taxes and fees.
Plus, the card offers the following statement credits:
- Earn up to $20 per month in statement credits on eligible Resy purchases (up to $240 annually)
- Earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers (up to $120 annually)
- Earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
And when traveling with Delta, enjoy complimentary access to the Delta Sky Club when traveling on a same-day flights. You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. 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.
And when you’re traveling on a same-day Delta flight, you can enjoy complimentary access to Centurion Lounges and Delta Sky Clubs.
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 inflight purchases.
There are no foreign transaction fees with this card, as well as no-additional-fee authorized user cards (rates & fees).
The 5 Best Business Credit Cards for High-spend and Large Purchases
Card Summary
Card | Welcome Bonus and Annual Fee | Benefits for High-spend and Large Purchases |
| The Business Platinum Card® from American Express |
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| American Express® Business Gold Card |
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| World of Hyatt Business Credit Card |
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| Southwest® Rapid Rewards® Performance Business Credit Card |
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| Delta SkyMiles® Reserve Business American Express Card |
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1. The Business Platinum Card® from American Express (Best for Travel, Earning Elite Status)
Terms Apply / Rates & FeesThis card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Why We Like This Card
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.
Pros & Cons
- 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)
- High annual fee of $695 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
Card Highlights
- 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 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.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 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.
- APR: 18.49% - 27.49% Variable
- Foreign Transaction Fees: None
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 250k points with the Amex Business Platinum card. 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 Amex Travel.
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, $199 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.
2. American Express® Business Gold Card (Best For Earning Points)
Terms Apply / Rates & FeesGet 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Why We Like This Card
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 & Cons
- 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
- Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- 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
- $375 annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
Card Highlights
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *Terms Apply
- APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
- Foreign Transaction Fees: None
Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 200k points with the Amex Business Gold card. The current public offer is 100,000 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.
The ideal cardholder is focused more on rewards than luxury travel benefits. 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):
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 the annual fee for employee cards is $95 for the first five cards and then $95 for each card thereafter, up to 99 cards (see rates & fees).
3. World of Hyatt Business Credit Card (Best for Earning Elite Status)
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.
Why We Like This Card
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 & Cons
- Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
- 2x points per $1 spent in your top three spend 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.
- $199 annual fee
- Bonus categories and benefits are very similar to the personal card
Card Highlights
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 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.
- 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
- APR: 20.74% - 27.74% Variable
- Foreign Transaction Fees: None
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 qualifying purchases at Hyatt stays, plus up to 5 base points per dollar spent at Hyatt as a World of Hyatt member
- 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)
- 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.
4. Southwest® Rapid Rewards® Performance Business Credit Card (Best for Earning Companion Tickets)
Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.
Why We Like This Card
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 & Cons
- 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
- $199 annual fee
- Doesn’t earn transferable rewards
Card Highlights
- 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
- APR: 20.74% - 27.74% 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 (no limits).
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
- $120 Global Entry or TSA PreCheck application fee credit (as of October 1, 2024)
- 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.
5. Delta SkyMiles® Reserve Business American Express Card (Best for Earning Companion Tickets, Bonus Miles, Elite Status)
Terms Apply / Rates & FeesReceive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
Why We Like This Card
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 & Cons
- 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.
- High annual fee
- Does not earn many miles for purchases outside of Delta spend
Card Highlights
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- 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 $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 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 Zone 5 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.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
- APR: 19.99% - 28.99% Variable
- Foreign Transaction Fees: None
The very last card we’ll mention in this guide is the Delta Reserve Business card, which has a 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 Delta Sky Club access and bring up to two guests or immediate family at a rate of $50 per person per visit. 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.
- Complimentary Amex Centurion Lounge access when flying Delta
- A First Class, Delta Comfort+, or Main Cabin domestic, Caribbean, or Central American roundtrip flight companion certificate each year after renewal
- Zone 5 priority boarding
- Your first checked bag for free
There’s also a Global Entry or TSA PreCheck application fee credit, and no foreign transaction fees (rates & fees).
For the trip cancellation and interruption insurance benefit of The Platinum@ from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the car rental loss and damage insurance benefit of The Platinum@ from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
For the trip delay insurance benefit of The Platinum@ from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
For the baggage insurance plan benefit of The Platinum@ from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
*No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
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/
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/
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/
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/
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/
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.