Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written and evaluated by experts who know these products inside out. We only recommend products we either use ourselves or endorse. This site does not include all credit card companies or all available credit card offers that are on the market. See our advertising policy here where we list advertisers that we work with, and how we make money. You can also review our credit card rating methodology.
The Best Metal Credit Cards in October 2025
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.
+ NEW BENEFITSAs High As 175,000 Points. Find Out Your Offer.Platinum Card® from American ExpressYou may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
NEW OFFERAs High As 100,000 Points. Find Out Your Offer.American Express® Gold CardYou may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
NEW OFFER75,000 pointsChase Sapphire Preferred® CardEarn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
NEW OFFER125,000 pointsChase Sapphire Reserve®Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
75,000 milesCapital One Venture Rewards Credit CardEarn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.
75,000 milesCapital One Venture X Rewards Credit CardEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
ELEVATED WELCOME OFFER200,000 pointsThe Business Platinum Card® from American ExpressEarn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
ELEVATED OFFER100,000 pointsAmerican Express® Business Gold CardEarn 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.
200,000 pointsSapphire Reserve for Business℠Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 175,000 Points. Find Out Your Offer.
Up to $3,850
$895
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent
Why We Like This Card
When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than the Platinum Card® from American Express.
Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.
Pros & Cons
Pros
The best airport lounge access out of any card (by far) — enjoy access to over 1,550 worldwide lounges, including the luxurious Amex Centurion Lounges,Priority Pass lounges (enrollment required), Plaza Premium Lounges, and many more!
5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
5x points per dollar spent on prepaid hotels booked with AmexTravel.com
You may be eligible for as high as 175,000 Membership Rewards® points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Get more for your travels with 5X Membership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings. You earn 5X points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
More Value! With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
More Value! $200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
More Value! $300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
More Value! $600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
New! $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
More Value! $209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
Start your vacation sooner, and keep it going longer. When you book Fine Hotels + Resorts® through American Express Travel®, enjoy noon check-in upon arrival, when available, and guaranteed 4PM check-out.
New! $300 lululemon Credit: Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required.
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®.*Up to $12.95 plus applicable local sales tax. Plus Ups not eligible.
$100 Saks Credit: Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
Our favorite metal card for personal use is the Amex Platinum card. It has no preset spending limit, so your spending power is flexible. Unlike typical credit cards, it allows you to carry a balance for certain charges, but not all. And although it’s not a terribly surprising pick given the benefits, it’s definitely our absolute top choice.
The Amex Platinum card weighs around 17 grams, making it one of the heaviest ultrapremium cards in the world.
This classic metal card offers up 5x points for flights booked directly with airlines or with AmexTravel.com (up to $500,000 on these purchases per calendar year, then 1x) and 5x on prepaid hotels booked with AmexTravel.com, enabling you to get a return on spending of up to 11% by our valuations.
What’s really special about this card, though, is how you can get access to the most airport lounges in the world (over 1,550) from a single card, thanks to the American Express Global Lounge Collection. This includes the Centurion Lounges, Priority Pass lounges (upon enrollment), Plaza Premium Lounges, Delta Sky Clubs (when flying Delta the same day), Escape Lounges, select Virgin Clubhouses, and select Lufthansa Lounges (when flying Lufthansa the same day).
Furthermore, you receive other exceptional travel benefits, including access to Fine Hotels + Resorts and The Hotel Collection, complimentary Hilton Honors Gold, Marriott Bonvoy Gold Elite, and Leaders Club Sterling status (enrollment required), and rental car benefits and/or status with Avis, Hertz, and National (enrollment required).
Enjoy travel credits, including up to $200 in airline fee credit, up to $600 in prepaid hotel credit on eligible stays, $209 in CLEAR® credit, and up to $120 in Global Entry or TSA PreCheck application fee credit.
The perks extend beyond travel because you also get up to $100 in Saks Fifth Avenue credits, up to $300 in digital entertainment credits, up to $400 in Resy credits, up to $300 in lululemon credits, up to $12.95 monthly Walmart+ credit, up to $300 in Equinox credits, up to $200 in Oura Ring credits, up to $120 in Uber One credits, and $200 annually in Uber Cash for rides or Uber Eats orders in the U.S.
Many benefits require enrollment, so be sure to explore your Amex account to get the most out of your card.
Remember, this card also offers access to Amex Offers upon enrollment, no foreign transaction fees, and zero fraud liability coverage (rates & fees).
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
As High As 100,000 Points. Find Out Your Offer.
Up to $2,200
$325
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent
Why We Like This Card
The American Express® Gold Card is a game-changer.
With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points atU.S. supermarkets on up to $25,000 per calendar year, then 1x.
There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.
Pros & Cons
Pros
4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
$84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
$120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
The Amex Gold card is one of our top picks, especially if you spend a lot on food.
This 15-gram metal card offers a whopping 4x points at restaurants (up to $50,000 in purchases per year, then 1x),4x points at U.S. supermarkets (on up to $25,000 in purchases per year, then 1x), and 3x points spent on flights purchased directly with the airline or at AmexTravel.com. You earn 1x points on all other purchases.
Plus, the card comes with some pretty great benefits:
Up to $120 in Uber Cash for rides or food orders in the U.S. ($10 per month, and you must add an Amex card to your account and use it for charges)
Up to $120 in dining credits at Grubhub, the Cheesecake Factory, Goldbelly, Wine.com, and Five Guys ($10 per month)
Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases ($50 semiannually)
Up to $84 Dunkin’ credit redeemable at U.S. Dunkin’ locations ($7 per month)
Note that enrollment is required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.
As you can see, this card is best for foodies, but travel benefits are available, too, including access to the Hotel Collection.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
75,000 points
$1,500
$95
19.99% - 28.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent
Why We Like This Card
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros & Cons
Pros
5x points on all travel booked via the Chase Travel portal
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
The Chase Sapphire Preferred card, weighing in at 13 grams, is one of our favorite credit cards of all time, especially if you’re looking for premium rewards with a smaller price tag.
Currently, Chase is offering a great welcome offer on the card, which is yet another reason you should consider applying for the best rewards credit card available for beginners.
Earn up to 5x points as shown below:
5x points on all travel booked through Chase Travel
5x points spent on Lyft purchases (through September 30, 2027)
3x points spent on dining, select streaming services, and online groceries
2x points spent on travel
1x points spent on all other purchases
Earning up to 5x Ultimate Rewards points is great, but you can even get a 10% anniversary rewards bonus every year.
This credit card has a $50 annual credit toward hotel stays booked through the Chase Travel portal.
Also, get some of the best travel insurance available, including primary rental car coverage, trip delay reimbursement, lost luggage reimbursement, travel accident insurance, trip cancellation and interruption insurance, and more. You get all of this plus extended warranty, purchase protection, and no foreign transaction fees.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns points on travel and dining while offering top luxury perks.
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
125,000 points
$2,500
$795
20.24% - 28.74% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent
Why We Like This Card
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options.
The card combines elite travel benefits and perks like worldwide airport lounge access, with excellent point earning and redemption options. Plus, it offers top-notch travel insurance protections to cover you at home or on the road.
Don’t forget the more than $2,000 in annual credits, which can offset the annual fee!
Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
Get more than $2,700 in annual value with Sapphire Reserve.
Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
$300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
The Chase Sapphire Reserve card is one of the heaviest cards on the market, at a weight of 19 grams. It isn’t just a heavy card, though. It also comes loaded with benefits that deliver tons of value to cardholders. These benefits include:
8x points on all purchases through Chase Travel
4x points on airfare and hotels booked directly
3x points on dining worldwide
$300 annual travel credit
$500 annual The Edit credit
$300 annual dining credit
$300 annual StubHub credit
Up to $120 in annual Lyft credits (through September 30, 2027)
$300 in annual DoorDash promos and complimentary access to DashPass for a minimum of 1 year (activate by December 31, 2027)
Chase Sapphire Lounge access and Priority Pass lounge access upon activation
IHG One Rewards Platinum Elite status (activation required; through December 31, 2027)
Though the card does charge a large annual fee, its combination of rewards, benefits, and annual credits can easily make it worth adding to your wallet for most frequent travelers. The card also comes
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Earn 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
Purchases: 19.99% - 28.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)
Why We Like This Card
The Capital One Venture Rewards Credit Cardis one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.
Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.
Pros & Cons
Pros
5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
2x miles per $1 on all other purchases
Up to a $120 Global Entry or TSA PreCheck application fee credit
This 16-gram (0.56-ounce) card is the middle-tier version of the Capital One Venture X card, and it offers a lot at a lower price point.
Start off with a lovely welcome offer and earn up to 5x miles:
5x miles on hotels, vacation rentals, and rental cars booked through the Capital One Travel portal
2x miles on every purchase, with no limits
You can receive up to $120 in Global Entry or TSA PreCheck application fee credit, access to the Capital One Miles transfer partners, and no foreign transaction fees.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
Purchases: 19.99% - 28.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)
Why We Like This Card
The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.
Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.
Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.
Pros & Cons
Pros
10x miles per $1 on hotels and rental cars purchased through Capital One Travel
5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
2x miles per $1 on all other purchases
Cons
$395 annual fee
Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
Earn unlimited 2X miles on all other purchases
Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge locations and Priority Pass™ lounges, after enrollment
Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
Receive up to a $120 credit for Global Entry or TSA PreCheck®
Capital One offers an ultrapremium credit card that we really like — and it’s quite hefty.
The Capital One Venture X card earns 10x miles on hotels and rental cars and 5x miles on flights and vacation rentals purchased through Capital One Travel. This fantastic credit card is also one of the best for everyday spending because it earns 2x Capital One miles on all other purchases with no caps, without having to worry about bonus categories.
The rewards you earn are transferable to airlines and hotels, which is why we value them at 1.8 cents each.
There’s also a $300 annual travel credit on bookings made through Capital One Travel, an account anniversary bonus each year of 10,000 miles, access to over 1,300 lounges (including Capital One Lounges and Priority Pass lounges (after enrollment)), a Global Entry or TSA PreCheck application fee credit, complimentary Hertz President’s Circle status, an auto rental collision damage waiver, and trip cancellation or interruption protection.
Hot Tip: There are no foreign transaction fees, and you even get cellular telephone insurance and extended warranty protection. You can add cardholders to your account for no additional fee. They get benefits while you earn rewards on every $1 they spend. Authorized users receive the same lounge access as cardholders.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
200,000 points
Up to $4,400
$895
18.24% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,550 lounges, along with tons of annual credits, it’s easy to see why this card is a top option for frequent traveling business owners.
Pros & Cons
Pros
Earn 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
Access to over 1,550 worldwide airport lounges as part of the American Express Global Lounge Collection
Earn 2x Membership Rewards points on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
See how you can unlock over $3,500 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
Enhanced! 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
5X points on flights and prepaid hotels on AmexTravel.com
Our favorite metal business card is the Amex Business Platinum card. The business version of the Amex Platinum card, this 17-gram beast of a card offers some of the best benefits and rewards for business owners.
Here’s what you can expect:
5x points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com
2x points on eligible purchases at U.S. construction material and hardware suppliers, U.S. electronic goods retailers, U.S. software and cloud system providers, U.S. shipping providers, and those that are $5,000 or more everywhere else (up to $2 million of these purchases per calendar year)
1x points on all other purchases
This card comes with access to the prestigious American Express Global Lounge Collection, Fine Hotels + Resorts, The Hotel Collection, the Amex International Airline Program, and a 35% Pay with Points rebate when booking flights on your choice airline through Amex Travel (up to 1 million points rebated per calendar year).
Lastly, there are no foreign transaction fees (rates & fees).
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
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.
100,000 points
Up to $2,200
$375
18.24% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
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
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
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
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.*
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 comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
The Amex Business Gold card is one of our favorite cards for business owners, weighing in at 15 grams.
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):
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, TV, radio)
Best of all, your rewards are automatically adjusted, so there’s no need to worry about selecting categories.
Cardholders get access to the Hotel Collection, no foreign transaction fees, and no preset spending limit (rates & fees). 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.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
The Chase Sapphire Reserve for Business card is perfect for frequent traveler business owners who want premium perks.
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.
200,000 points
$4,000
$795
18.49% - 26.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent
Why We Like This Card
The Chase Sapphire Reserve Business card is a great pick for business owners who can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. Plus, it offers helpful bonus categories such as ad spend and offers access to over 1,300 airport lounges — including Chase Sapphire Lounges.
Pros & Cons
Pros
8x points on Chase Travel purchases
4x points on flights and hotels booked directly
3x points on advertising purchases made with social media sites and search engines (uncapped)
Earn 200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.
Earn 8x points on Chase Travel℠ for airline tickets, hotels, including The Edit℠, car rentals, cruises, activities and tours.
Earn 5x total points on Lyft rides through 9/30/27.
Earn 4x points on flights & hotels booked direct.
Earn 3x points on social media & search engine advertising.
Get the most flexible travel credit compared to any other card, with up to $300 in statement credits each anniversary year on travel purchases.
Enjoy complimentary access to the Chase Sapphire Lounge® by The Club network and Priority Pass™ Select membership. Two guests may accompany the Primary Cardmember to the lounges free of charge.
Member FDIC
Financial Snapshot
APR: 18.49% - 26.49% Variable
Foreign Transaction Fees: None
The Chase Sapphire Reserve Business card, like the personal version of the card, weighs a whopping 19 grams, making it one of the heaviest cards on this list.
Plus, it is a great pick for business owners who travel frequently and can easily make use of the annual credits for travel, Google Workspace, ZipRecruiter, and more. It also comes with airport lounge access to Chase Sapphire Lounges and Priority Pass lounges, and lets you bring in 2 guests at no additional charge.
Some of the other top card perks include:
8x points on Chase Travel purchases
4x points on flights and hotels booked directly
3x points on advertising purchases made with social media sites and search engines (uncapped)
Access to Chase Sapphire Lounges and Priority Pass lounges
$300 annual travel credit
$500 annual credit for the Edit by Chase Travel
$400 annual ZipRecruiter credit
$200 annual Google Workspace credit
$100 Giftcards.com credit
$300 annually in monthly DoorDash promos and a complimentary DashPass membership
$120 in annual Lyft in-app credits
Complimentary IHG One Rewards Platinum Elite status
Heaviness of the card aside, the Chase Sapphire Reserve Business card is a home run of a choice for frequent traveling business owners, especially if you have a Chase Sapphire Lounge at your local airport.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.
• Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
100,000 miles
Up to $1,200
$350
19.99% - 28.99% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Cardholders earn 3x SkyMiles per dollar for purchases with Delta and access benefits, including no foreign transaction fees, priority boarding, and a free checked bag for each flight (rates & fees).
Plus, you can redeem your SkyMiles for travel on Delta and its partner airlines, saving you money. It’s a no-brainer!
Pros & Cons
Pros
Save 15% on award travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees
3x SkyMiles per $1 spent on Delta and hotel purchases
1.5x SkyMiles per $1 spent on purchases of $5,000 or more, up to $100,000 per year
Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 10/29/25.
Enjoy a Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
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 $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
Delta SkyMiles® Platinum Business American Express Card Members save 15% 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 the $120 Resy Credit, earn up to $10 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® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
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 $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
The Delta Platinum Business card is an impressive airline credit card weighing 15 grams.
This card comes with a welcome offer to provide an infusion of Delta SkyMiles. Plus, you earn 3x miles on eligible purchases made directly with Delta and on every eligible $1 spent on purchases made directly with hotels.
You can also earn 1.5x miles on single eligible purchases of $5,000 or more and eligible transit and U.S. shipping purchases, up to $100,000 of combined eligible purchases per year. On all other purchases, you earn 1x miles spent.
There’s also the first checked bag free on Delta flights and Zone 5 priority boarding. Authorized users come at no additional cost, and you aren’t hit with foreign transaction fees (rates & fees).
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply.