John S Kiernan, Managing Editor
@John
One of the best luxury credit cards is Chase Sapphire Reserve® because it has an initial bonus worth up to $900 in travel through Chase, gives a $300 annual travel credit, and provides a complimentary airport lounge membership. But luxury comes at a cost, and Chase Sapphire Reserve® charges a $550 annual fee.
The Platinum Card® from American Express, though, is the most popular luxury card on the market. This is a very good card for high-spending frequent travelers. The card’s $695 annual fee is worth it for people who earn its initial bonus (80,000 points for spending $6,000 in the first 6 months) and take advantage of its assorted benefits. But the most famous of all luxury cards is the Centurion® Card from American Express. Also known as the “Black Card,” it’s invite-only, so not just anyone can apply. But there are plenty of other luxury credit cards to consider, too.
Best Luxury Credit Cards
- Centurion® Card from American Express (“Black Card”)
- Chase Sapphire Reserve®
- The Platinum Card® from American Express
- U.S. Bank Altitude Reserve Visa Infinite® Card
- Ink Business Preferred® Credit Card
- J.P. Morgan Reserve Credit Card
When you’re comparing luxury credit cards, the devil is in the details. There are plenty of cards with luxury prices but pedestrian perks. So, you need to make sure the rewards and benefits that you get far outweigh the cost.
People who want to get a luxury credit card without shelling out a lot of money should consider the Capital One Venture Rewards Credit Card card. It offers top-notch travel rewards and only costs $95 per year.

Centurion® Card from American Express
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