BEST CREDIT CARDSBEST CREDIT CARDSBEST PREMIUM CREDIT CARDS OF APRIL 2024
BEST OF

Best Premium Credit Cards of April 2024

Updated: Apr 14, 2024
Sara Rathner
Written by
Senior Writer/Spokesperson
Caitlin Mims
Reviewed by
Content Management Specialist
Erin Hurd
Edited by
Fact Checked
Assigning Editor
Fact Checked
Sara Rathner
Written by
Senior Writer/Spokesperson
Caitlin Mims
Reviewed by
Content Management Specialist
Erin Hurd
Edited by
Fact Checked
Assigning Editor
Fact Checked
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NerdWallet's Best Premium Credit Cards of April 2024

Best Premium Credit Cards From Our Partners

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Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Find the right credit card for you.

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Our pick for

Overall premium card

Our pick for

Luxury travel perks

Our pick for

Travel portal benefits

Our pick for

Premium airline card

Our pick for

Premium dining card

Our pick for

Premium card for business

FULL LIST OF EDITORIAL PICKS: BEST PREMIUM CARDS

Before applying, confirm details on the issuer’s website.

Chase Sapphire Reserve®

Our pick for: Overall premium card

The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards (up to 10X) on dining and travel, a fat bonus offer, annual travel credits, airport lounge access, and a 50% boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review. 

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

Capital One Venture X Rewards Credit Card

Our pick for: Travel portal benefits

Capital One's premium travel credit card can deliver terrific benefits — provided you're willing to do your travel spending through the issuer's online booking portal. That's where you'll earn the highest rewards rates plus credits that can make back the bulk of your annual fee (see rates and fees). Read our review.

Delta SkyMiles® Reserve American Express Card

Our pick for: Premium airline card

Every airline has a premium card that gets you into its airport lounges, but the Delta SkyMiles® Reserve American Express Card also gets you into American Express's Centurion Lounges when flying Delta, and it comes with an annual companion certificate that's good even in first class. Read our review.

Hilton Honors American Express Aspire Card

Our pick for: Premium hotel card

The Hilton Honors American Express Aspire Card comes with a steep annual fee, but its rich rewards (especially on travel and dining) and generous perks make it near-must for hardcore Hilton loyalists. Enjoy airline and resort credits, airport lounge access, automatic elite status, free weekend night awards and much more. Read our review.

American Express® Gold Card

Our pick for: Premium dining card

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

The Business Platinum Card® from American Express

Our pick for: Premium card for business

Like the consumer version of this card, The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.

• • •

To view rates and fees of the American Express® Gold Card, see this page. To view rates and fees of The Platinum Card® from American Express, see this page. To view rates and fees of the Delta SkyMiles® Reserve American Express Card, see this page. All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet. To view rates and fees of The Business Platinum Card® from American Express, see this page.

Last updated on April 14, 2024

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

About the author

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Sara Rathner

Sara is a NerdWallet travel and credit cards expert. She has appeared on the “Today” show, Nasdaq and CNBC’s “Nightly Business Report.” Read more
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