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    The Best Metal Credit Cards in June 2024

    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.

    The Best Metal Credit Cards (Top Picks)

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    Card Name

    Weight

    Welcome Offer

    Annual Fee

    The Platinum Card® from American Express
    The Platinum Card® from American Express

    17 grams

    Earn 80,000 points after spending $8,000 on purchases in the first 6 months.$695
    (rates & fees)

    American Express® Gold Card
    American Express® Gold Card

    15 grams

    Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.

    $250
    (rates & fees)

    Chase Sapphire Preferred® Card
    Chase Sapphire Preferred® Card

    13 grams

    Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.$95
    Capital One Venture Rewards Credit Card
    Capital One Venture Rewards Credit Card

    16 grams

    Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.

    $95
    (rates & fees)

    Capital One Venture X Rewards Credit Card
    Capital One Venture X Rewards Credit Card

    17 grams

    Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.

    $395 (rates & fees)

    The Business Platinum Card® from American Express
    The Business Platinum Card® from American Express

    17 grams

    ELEVATED OFFER: Earn 150,000 points after spending $20,000 in eligible purchases within the first 3 months.

    $695 (rates & fees)

    American Express® Business Gold Card
    American Express® Business Gold Card

    15 grams

    Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.

    $375 (rates & fees)

    The Platinum Card® from American Express (Best Card for Worldwide Lounge Access)

    BEST LOUNGE CARD
    The Platinum Card® from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

    Learn More(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
    Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
    80,000 points
    $1,760
    $695
    See Pay Over Time APR. Carrying a balance will incur interest. Eligible charges can be included in the Pay Over Time balance, up to the Pay Over Time Limit. Pay Over Time only applies to eligible charges meeting minimum transaction amounts.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

    Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

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

    American Express Membership Rewards

    Our favorite metal card for personal use is the Amex Platinum card. 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 ultra-premium cards in the world.

    This classic metal card offers up 5x points for flights booked directly with airlines or with Amex Travel (up to $500,000 on these purchases per calendar year) and 5x on prepaid hotels booked with Amex Travel, 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 (1,400+) from a single card, thanks to the American Express Global Lounge Collection.

    This includes the Centurion Lounges, International American Express Centurion Lounges, Priority Pass lounges (upon enrollment), Plaza Premium Lounges, Delta Sky Clubs (when flying Delta same-day), Escape Lounges, Airspace Lounge, select Virgin Clubhouses, and select Lufthansa Lounges (when flying Lufthansa same-day).

    Furthermore, you will enjoy other exceptional travel benefits, including access to Fine Hotels & Resorts and The Hotel Collection, complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (enrollment necessary), and rental car benefits and/or status with Avis, Hertz, and National.

    Enjoy travel credits, including up to $200 in airline fee credit, up to $200 in prepaid hotel credit on eligible stays, $189 in CLEAR credit, and up to $100 in Global Entry or TSA PreCheck application fee credit.

    The perks extend beyond travel because you’ll also get up to $100 in Saks Fifth Avenue credits, up to $240 in digital entertainment credits, up to $12.95 monthly Walmart+ credit, up to $300 in Equinox 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, no foreign transaction fees, and zero fraud liability coverage (rates & fees).

    American Express® Gold Card (Best for Earning Points at Restaurants and U.S. Supermarkets)

    BEST FOR DINING
    American Express® Gold CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    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!

    Learn More(at Amex's secure site)

    Apply With Confidence

    Know if you're approved with no credit score impact

    If you're approved and accept this Card, your credit score may be impacted.

    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!
    Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
    60,000 points
    $1,320
    $250
    See Pay Over Time APR. Carrying a balance will incur interest. Eligible charges can be included in the Pay Over Time balance, up to the Pay Over Time Limit. Pay Over Time only applies to eligible charges meeting minimum transaction amounts.
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The American Express® Gold Card is a game-changer.

    With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, 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
    • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
    • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
    • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
    Cons
    • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
    • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
    • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
    • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
    • $120 Dining Credit: Satisfy your cravings and 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, Milk Bar and select Shake Shack locations. Enrollment required.
    • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
    • Choose the color that suits your style. Gold or Rose Gold.
    • No Foreign Transaction Fees.
    • Annual Fee is $250.
    • Terms Apply.
    Financial Snapshot
    • APR: See Pay Over Time APR. Carrying a balance will incur interest. Eligible charges can be included in the Pay Over Time balance, up to the Pay Over Time Limit. Pay Over Time only applies to eligible charges meeting minimum transaction amounts.
    • Foreign Transaction Fees: None
    Rewards Center

    American Express Membership Rewards

    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 per dollar spent at restaurants (including takeout and delivery in the U.S.), 4x points at U.S. supermarkets (on up to $25,000 in purchases per calendar year), and 3x points per dollar spent on flights purchased directly with the airline or at Amex Travel. You’ll earn 1x points per dollar spent on all other purchases.

    Plus, earn up to $120 in Uber Cash for rides or eats orders in the U.S. (distributed as $10 per month) and up to $120 in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations (distributed as $10 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.

    3. Chase Sapphire Preferred® Card (Best Sub-$100 Annual Fee Card)

    GREAT TRAVEL CARD
    Chase Sapphire Preferred® 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.

    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

    Learn More(at Chase's secure site)
    A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    60,000 points
    $1,200
    $95
    21.49%-28.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    The Chase Sapphire Preferred® card is one of the best travel rewards cards on 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
    • 5x points on all travel booked via the Chase Travel portal
    • 5x points on select Peloton purchases over $150 (through March 31, 2025)
    • 5x points on Lyft purchases (through March 31, 2025)
    Cons
    • $95 annual fee
    • No elite benefits like airport lounge access or hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
    • 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, $50 Annual Chase Travel Hotel Credit, plus more.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
    • Member FDIC
    Financial Snapshot
    • APR: 21.49%-28.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    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 Ultimate Rewards points per dollar spent on all travel booked through Chase Travel
    • 3x Ultimate Rewards points per dollar spent on dining, select streaming services, and online groceries
    • 5x Ultimate Rewards points per dollar spent on Lyft purchases (through March 2025)
    • 2x Ultimate Rewards points per dollar spent on travel
    • 1x Ultimate Rewards points per dollar spent on all other purchases

    Earning up to 5x 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 insurance, lost baggage coverage, travel accident insurance, trip cancellation and interruption coverage, and more. You’ll get all of this, plus extended warranty, purchase protection, and no foreign transaction fees.

    Capital One Venture Rewards Credit Card (Best With a Low Annual Fee)

    Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Get 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!
    Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
    75,000 miles
    $1,350
    $95
    19.99% - 29.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent Credit (670-850)

    The Capital One Venture Rewards Credit Card is 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
    • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
    • 2x miles per $1 on all other purchases
    • Global Entry or TSA PreCheck application fee credit
    Cons
    • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
    • Earn unlimited 2X miles on every purchase, every day
    • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
    • Miles won't expire for the life of the account and there's no limit to how many you can earn
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
    • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
    • Transfer your miles to your choice of 15+ travel loyalty programs
    Financial Snapshot
    • APR: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

    The 16-gram (0.56-ounce) Capital One metal card is the lower-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 and rental cars booked through the Capital One travel portal
    • 2x miles on every purchase, with no limits

    As you can see, the ability to earn 2x miles on all purchases stays the same with this premium card, and you can also receive up to $100 in Global Entry or TSA PreCheck application fee credit.

    This card comes with access to the Capital One Miles transfer partners and no foreign transaction fees (rates & fees).

    Capital One Venture X Rewards Credit Card (Add Cardholders to Your Account for No Additional Fee)

    Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

    Learn More(at Capital One's secure site)
    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
    19.99% - 29.99% (Variable)
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Excellent (740-840)

    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
    • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
    • 5x miles per $1 on flights purchased through Capital One Travel
    • 2x miles per $1 on all other purchases
    Cons
    • $395 annual fee (rates & fees)
    • 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 booked through Capital One Travel
    • Earn unlimited 2X miles on all other purchases
    • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
    • 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
    • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
    • Receive up to a $100 credit for Global Entry or TSA PreCheck®
    Financial Snapshot
    • APR: 19.99% - 29.99% (Variable)
    • Foreign Transaction Fees: None
    Rewards Center

    Capital One Miles

     

    Capital One offers an ultra-premium 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 purchased through Capital One Travel. This fantastic credit card is also one of the best credit cards 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 transferrable 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, complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network, plus a Global Entry or TSA PreCheck application fee credit, complimentary Hertz President’s Circle status, auto rental collision damage waiver, and trip cancellation/interruption protection.

    Hot Tip: There are no foreign transaction fees (rates & fees), and you’ll even get cell phone insurance, extended warranty protection, and add cardholders to your account for no additional fee (rates & fees) — they can enjoy benefits and you will earn rewards on every dollar they spend. Authorized users receive the same lounge access as cardholders.

    Chase Sapphire Reserve®

    Chase Sapphire Reserve®
    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.

    A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

    Learn More(at Chase's secure site)
    A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
    Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠
    60,000 points
    $1,200
    $550
    22.49%-29.49% 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 (740-850)

    If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

    The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

    Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

    Pros
    • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
    • 10x points on Lyft purchases March 31, 2025
    • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
    Cons
    • $550 annual fee
    • Does not offer any sort of hotel elite status
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Member FDIC
    Financial Snapshot
    • APR: 22.49%-29.49% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Chase Ultimate Rewards

    One of our favorite travel rewards credit cards is the Chase Sapphire Reserve card, which is one of the flagship choices in the ultra-premium market.

    This metal card weighs a hefty 13 grams and comes loaded with a solid introductory welcome offer, as well as numerous different benefits.

    You can earn up to 10x points on your purchases, and since we value Chase Ultimate Rewards points at 2 cents per point, you could get a return on spending as high as 20% with select purchases.

    To be specific, you’ll earn:

    • 10x points on car rentals, hotels, and dining booked through the Chase travel portal
    • 5x points on air travel booked through the Chase travel portal
    • 10x points on Lyft purchases (through March 2025)
    • 3x points on all other dining and travel purchases
    • 1x points on all other purchases

    Additionally, you will get a travel credit of $300, though purchases covered by the $300 travel credit don’t earn points.

    Premium travel benefits are included, too, Priority Pass Select membership, up to $100 Global Entry/TSA PreCheck application fee credit, the ability to get 1.5 cents per point in redemption value for travel booked through Chase Travel, and access to the Chase Luxury Hotel & Resort Collection.

    One of the biggest selling points, though, is that you get some of the best credit card travel insurance possible, including primary car rental coverage.

    The Best Metal Business Credit Cards

    The Business Platinum Card® from American Express (Best Business Card for Airport Lounges)

    150K OFFER
    The Business Platinum Card® from American ExpressTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

    Learn More(at Amex's secure site)
    This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
    Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
    150,000 points
    $3,300
    $695
    19.49% - 28.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

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

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

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

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

    American Express Membership Rewards

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

    Our favorite metal business card of all time 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 out there.

    Here’s what you can expect:

    • 5x points on flights and prepaid hotels booked through Amex Travel
    • 1.5x points on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, shipping providers, and on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year)
    • 1x points on all other purchases

    This card offers over $1,400 statement credits every year, including:

    • Up to $400 with Dell Technologies
    • Up to $360 with Indeed
    • Up to $150 with Adobe
    • Up to $120 on wireless telephone purchases
    • Up to $200 in airline fee credits
    • $189 in CLEAR credits

    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 (up to 1,000,000 points rebated per calendar year).

    Lastly, there are no foreign transaction fees (rates & fees).

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

    BEST FOR BONUSES
    American Express® Business Gold CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

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

    Learn More(at Amex's secure site)
    Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
    Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership
    70,000 points
    $1,540
    $375
    19.49% - 28.49% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

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

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

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

    American Express Membership Rewards

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

    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):

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

    Best of all, your rewards are automatically adjusted, so no need to worry about selecting any 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.

    Delta SkyMiles® Platinum Business American Express Card

    LIMITED TIME OFFER
    Delta SkyMiles® Platinum Business American Express CardTerms Apply / Rates & Fees
    U.P. Rating 
    The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

    Between great perks and the potential to earn plenty of SkyMiles, this card is a must-have for frequent Delta travelers.

    Learn More(at Amex's secure site)
    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 95,000 Bonus Miles after spending $8,000 in purchases in your first 6 months of Card Membership. Offer Ends 7/17.
    95,000 Bonus Miles
    $1,140
    $350
    20.99% - 29.99% Variable
    Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
    Good to Excellent (670-850)

    As a small business owner and frequent Delta flyer, the Delta SkyMiles® Platinum Business American Express Card is your go-to credit card.

    You like knowing you’re earning 3x SkyMiles per dollar for purchases with Delta; benefits like no foreign transaction fees, priority boarding, and a free checked bag for each flight only sweeten the deal (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
    • 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 50,000 additional SkyMiles per calendar year
    Cons
    • $350 annual fee (rates & fees)
    • Does not earn transferable rewards
    • Limited Time Offer: Earn 95,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 7/17.
    • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
    • 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.
    • Terms and limitations apply.
    Financial Snapshot
    • APR: 20.99% - 29.99% Variable
    • Foreign Transaction Fees: None
    Rewards Center

    Delta Air Lines SkyMiles Frequent Flyer Program

    The Delta Platinum Business card is an impressive airline credit card weighing in at 15 grams.

    This card comes with a welcome offer to provide an infusion of Delta SkyMiles — plus, earn 3 miles per dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.

    You can also earn 1.5 miles per dollar on eligible purchases of $5,000 or more, up to 50,000 additional miles per year. On all other purchases, earn 1 mile per dollar 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 won’t be hit with foreign transaction fees (rates & fees).

    For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

    Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  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.

    The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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

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