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    The 9 Best Credit Cards for High-spend & Large Purchases [September 2023]

    The 9 Best Credit Cards for High-spend & Large Purchases [September 2023]

    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.

    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

    The 4 Best Personal Cards for High-spend and Large Purchases

    Card Summary

    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 and fees)
    • 5x points on flights purchased directly with the airline or with Amex Travel (up to $500,000 per year)
    • 5x points on prepaid hotels booked with Amex Travel
    • No preset spending limit
    Southwest Rapid Rewards® Priority Credit Card
    • Earn 50,000 points after spending $1,000 on purchases in the first 3 months.
    • Annual fee of $149
    • Spend your way to the Companion Pass (requires 125,000 Companion Pass qualifying points every calendar year)
    British Airways Visa Signature® Card
    • Earn 75,000 Avios after spending $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 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
    • Annual fee of $550
    • After you spend $30,000 in purchases per calendar year, you’ll get 15,000 Medallion Qualification Miles (MQMs), up to 4 times per calendar year, to help you get closer to elite status
    • Complimentary domestic round-trip companion certificate each year upon renewal or your card, including first class, Delta Comfort+, or Main Cabin

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

    The Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Platinum Card® from American Express

    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 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.

    Learn More(at Amex's secure site)

    The Platinum Card® from American Express

    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.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on 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 card application.
    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 $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year)
    • 5x points per $1 spent on prepaid hotels booked with American Express Travel
    • Annual and monthly statement credits upon enrollment (airline credit, Uber Cash credit, Saks Fifth Avenue credit, streaming credit, prepaid hotel credit on eligible stays, Walmart+ credit, CLEAR credit, and Equinox credit)
    • TSA PreCheck or Global Entry credit
    • Access to American Express Fine Hotels and Resorts
    • Access to Amex International Airline Program
    • No foreign transaction fees (rates and fees)

    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 purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, 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, SiriusXM, and The Wall Street Journal. Enrollment required.
    • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
    • $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.
    • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
    • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
    • $100 Global Entry Credit: 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 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.
    • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. 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

    Card Categories

    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 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, 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
    • Complimentary car rental privileges with Avis, Hertz, and National
    • Phenomenal travel insurance, such as trip interruption and cancellation coverage, secondary car rental insurance, trip delay, and damaged, lost, or stolen baggage insurance
    • Up to $200 airline fee credit
    • $189 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 and 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 Amex Travel.

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

    Southwest Rapid Rewards® Priority Credit Card

    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.

    Learn More(at Chase's secure site)

    Southwest Rapid Rewards® Priority Credit Card

    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.
    50,000 points
    $650
    $149
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (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
    • 1x point per $1 on all other purchases
    • 7,500 points each year on your cardmember anniversary
    • $75 annual Southwest travel credit
    • 4 Upgraded Boardings per year
    • 25% back on inflight purchases
    • 1,500 tier qualifying points towards elite status for every $10,000 spent
    • Travel and purchase protection

    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

    • Foreign Transaction Fees: None

    Card Categories

    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 125,000 Companion Pass qualifying points (usually equivalent to $125,000 in credit card purchases), 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 $10,000 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 fee-free authorized user cards.

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

    British Airways Visa Signature® Card

    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.

    Learn More(at Chase's secure site)

    British Airways Visa Signature® Card

    This card is great for British Airways frequent flyers, and traveling couples will find great value in the Travel Together Ticket.
    Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
    75,000 Avios
    $937
    $95
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (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
    • 10% off British Airways flights starting in the U.S. (when booking through the designated website)
    • Travel Together Ticket after $30,000 in card spend in a calendar year
    • Up to $600 in award flight statement credits each year
    • No foreign transaction fees
    • Baggage delay insurance
    • Lost luggage insurance
    • Purchase protection
    • Extended warranty protection

    Cons

    • $95 annual fee
    • Does not earn transferable rewards
    • 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. Plus earn 1 Avios per $1 spent on all other purchases.
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    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.

    In addition, the British Airways Visa card currently boasts an elevated earnings structure of up to 5 Avios per dollar spent within the first 18 months of card opening:

    • 5x Avios on flight purchases made directly with British Airways (thereafter, earn 3x Avios)
    • 3x Avios on accommodations booked directly with the hotel (thereafter, earn 2x Avios)
    • 1x Avios on all other purchases

    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)

    Delta SkyMiles® Reserve American Express CardTerms Apply / Rates & Fees

    Delta SkyMiles® Reserve American Express 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.

    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)

    Delta SkyMiles® Reserve American Express Card

    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.
    60,000 miles
    $720
    $550
    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 card application.
    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 lounge access, status boost, 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

    • New: 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.
    • 3x SkyMiles per $1 on Delta purchases
    • 1x SkyMile per $1 on all other purchases
    • Complimentary Delta Sky Club and Amex Centurion Lounge access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 10 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.
    • Delta Status Boost
    • Medallion Qualification Dollar (MQD) Waiver
    • Annual Companion Certificate
    • Access to Complimentary Upgrades and Upgrade Priority
    • Free checked bags
    • 20% back on inflight purchases
    • Global Entry or TSA PreCheck application fee statement credit
    • Travel and purchase protection

    Cons

    • $550 annual fee (rates and 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.
    • Enjoy Delta Sky Club® access at no cost 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 10 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.
    • Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
    • Eligible 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.
    • Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
    • Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
    • Enjoy your first checked bag free on Delta flights.
    • Earn 3X Miles on Delta purchases.
    • Earn 1X Mile on all other eligible purchases.
    • No Foreign Transaction Fees.
    • $550 Annual Fee.
    • Terms Apply.

    Financial Snapshot

    • APR: 20.99%-29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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.

    Taking a look at the card, you’ll first notice an awesome welcome bonus — but what’s really special about the Delta Reserve card is that you can access Status Boost, which earns you 15,000 Medallion Qualification Miles (MQMs) every time you spend $30,000 in purchases in a calendar year. You can use this perk up to 4 times, making it possible to earn up to 60,000 Medallion Qualification Miles from credit card spending alone.

    And when you make at least $25,000 in purchases in a calendar year, you’ll receive a waiver of the Medallion Qualification Dollar (MQD) requirement for Delta elite status. The exception is Diamond status, which requires a total of $250,000 in purchases within a calendar year to get an MQD waiver.

    These 2 benefits are huge because you can get nearly halfway to top-tier Diamond status with just credit card spending (Diamond requires 125,000 MQMs).

    And 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.

    Every cardmember anniversary year, you’ll get a companion certificate, which is good for a domestic first class, Delta Comfort+, or Main Cabin round-trip flight.

    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/TSA PreCheck application fee credit of up to $100, 20% back on eligible Delta inflight purchases, travel insurance, and purchase protection.

    There are no foreign transaction fees with this card, as well as fee-free authorized user cards (rates and fees).

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

    Card Summary

    CardWelcome Bonus and Annual FeeBenefits for High-spend and Large Purchases
    The Business Platinum Card® from American Express
    • OUR BEST OFFER: Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
    • Annual fee of $695 (rates and 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 Amex Travel
    • 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 $295 (rates and 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 bonus points after spending $5,000 in the first 3 months. Additionally, earn 15K Bonus Points after spending $12,000 in the first 6 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 125,000 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
    • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    • Annual fee of $550 (rates and fees)
    • After you spend $30,000 in purchases per calendar year, you’ll get 15,000 Medallion Qualification Miles (MQMs), up to 4 times per calendar year, to help you get closer to elite status
    • Complimentary domestic round-trip companion certificate each year upon renewal or your card, including first class, Delta Comfort+, or Main Cabin
    • 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

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

    OUR BEST OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees

    The Business Platinum Card® from American Express

    U.P. Rating
    The rating for this card has been determined by our own industry experts who know the 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)

    The Business Platinum Card® from American Express

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    120,000 points
    $2,640
    $695
    19.49% - 27.49% 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 card application.
    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 120,000 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
    • Up to $200 annual airline fee credit on your selected qualifying airline
    • Statement credits on select purchases with your card
    • 35% airline bonus when using Pay With Points (up to 1,000,000 bonus points per calendar year)
    • Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
    • Global Entry or TSA PreCheck application fee credit
    • 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)
    • Access to Amex’s Fine Hotels & Resorts program

    Cons

    • High annual fee of $695 (rates and fees)
    • Airline fee credit does not cover airfare, only incidentals like checked bags
    • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your 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 your 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% - 27.49% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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 120,000 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, $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 and fees), travel insurance, and cell phone protection.

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

    American Express® Business Gold CardTerms Apply / Rates & Fees

    American Express® Business Gold 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.

    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)

    American Express® Business Gold Card

    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
    $295
    19.49% - 27.49% 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 card application.
    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.

    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.)

    Pros

    • 4x Membership Rewards points per $1 on the 2 categories where your business spends the most:
      • Airfare purchased from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
      • U.S. purchases at gas stations
      • U.S. purchases at restaurants
      • U.S. purchases for shipping
    • 25% airline bonus when using Pay With Points
    • Access to Amex’s The Hotel Collection
    • Purchase protection and extended warranty protection
    • Trip delay insurance
    • Car rental insurance

    Cons

    • $295 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.*
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases.**
    • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
    • PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
    • *Terms Apply

    Financial Snapshot

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

    Card Categories

    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.

    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):

    • Airfare purchased from airlines
    • U.S. purchases for advertising in select media
    • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants
    • U.S. purchases for shipping

    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 and fees).

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

    LIMITED-TIME OFFER
    World of Hyatt Business Credit Card

    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.

    Learn More(at Chase's secure site)

    World of Hyatt Business Credit 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. Earn an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening.
    Up to 75,000 points
    $1,125
    $199
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (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.
    • 1x point per $1 on all other purchases
    • Automatic World of Hyatt Discoverist status
    • Gift World of Hyatt Discoverist status to up to 5 employees
    • Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
    • Access to the Hyatt Leverage program
    • Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
    • 10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
    • Primary rental car insurance
    • Trip cancellation and interruption insurance
    • Purchase protection and extended warranty protection

    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. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
    • 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

    • Foreign Transaction Fees: None

    Card Categories

    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.

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

    Southwest® Rapid Rewards® Performance Business Credit Card

    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.

    Learn More(at Chase's secure site)

    Southwest® Rapid Rewards® Performance Business Credit Card

    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
    Upgraded Points credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Good to Excellent (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
    • 2x points per $1 spent on local transit and commuting, including rideshare services
    • 9,000 bonus points each year after your cardmember anniversary
    • Up to 365 inflight Wi-Fi credits per year
    • 4 Upgraded Boarding certificates per year
    • Earn 1,500 tier qualifying points towards Southwest status for every $10,000 spent on the card
    • Up to a $500 fee credit for points transfers when you use your card to transfer points to another Southwest Rapid Rewards member
    • Employee cards at no additional cost
    • Global Entry/TSA PreCheck/NEXUS credit
    • No foreign transaction fees
    • Lost luggage reimbursement
    • Baggage delay insurance
    • Extended warranty protection
    • Purchase protection

    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 points 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

    • Foreign Transaction Fees: None

    Card Categories

    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 125,000 Companion Pass qualifying points.

    Of course, you can earn 1,500 tier qualifying points (TQPs) towards A-list status for every $10,000 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
    • $100 Global Entry/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.

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

    LIMITED-TIME OFFER
    Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees

    Delta SkyMiles® Reserve Business American Express 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.

    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)

    Delta SkyMiles® Reserve Business American Express Card

    Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.
    Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    Up to 110,000 miles
    $1,320
    $550
    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 card application.
    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

    • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
    • Complimentary Delta Sky Club access when flying Delta and 2 Delta Sky Club 1-time guest passes (through February 1, 2025)
    • Complimentary Amex Centurion Lounge access when flying Delta
    • Access to complimentary flight upgrades

    Cons

    • High annual fee
    • Does not earn many miles for purchases outside of Delta spend
    • Rewards are not transferable
    • Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
    • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
    • With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 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.
    • When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
    • After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
    • Enjoy 3x miles per dollar on Delta purchases.
    • With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
    • Terms and limitations apply.

    Financial Snapshot

    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None

    Card Categories

    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.

    Big spenders love this card because you can utilize the Status Boost perk to get 15,000 MQMs after you spend $30,000 in purchases within a calendar year. Even better, you can do this up to 4 times per calendar year. Remember, if you spend $25,000 or more in a calendar year on this card, you’ll get an MQD waiver (except for Diamond status, which requires $250,000 in spending).

    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 discounted per-visit rates of $39 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
    • 2 1-time guest passes to Delta Sky Clubs
    • A domestic first class, Delta Comfort+, or Main Cabin round-trip companion certificate every year after your cardmember anniversary
    • 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 and fees), purchase protection, extended warranty, and even cell phone protection!

    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.

    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.

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