Luxury doesn’t stop at your wallet—it starts with it. Some credit cards come packed with perks that upgrade everyday purchases into premium experiences. Here are 15 cards that offer perks so good they’ll make you rethink what a credit card can do.
Chase Sapphire Preferred Card
The Chase Sapphire Preferred Card gives you rewards for a $95 yearly fee. Spend $4,000 in the first three months, and you can earn 60,000 points. You can use these points for travel, cash, or gift cards. Also, get 5X points when booking travel through Chase.
Capital One Venture X Rewards Credit Card
For those who love to travel, this card has great benefits. It has a $395 annual fee but gives access to lounges such as Priority Pass, Capital One, and Plaza Premium. These lounges provide comfy spots to relax and even bikes to get some exercise.
The Platinum Card from American Express
The card offers many extras for $799 a year. New members can get up to 100,000 points worth $1,000. It includes $200 for food and travel, plus $100 off NEXUS fees. You can use over 1,300 airport lounges and enjoy better rooms, late check-outs, and special hotel deals.
Capital One Venture Rewards Credit Card
Cardholders get 2 miles for every dollar spent and a bonus of 75,000 miles when $4,000 is spent in the first three months. Extra perks include covering fees for Global Entry or TSA PreCheck, travel insurance, and special benefits at over 100 hotels.
Chase Sapphire Reserve
This is one of the top credit cards with amazing benefits, even though it costs $550 a year. Notably, there are no extra fees for using the card abroad, it covers car rentals without needing your own insurance, and you can relax in special airport lounges.
Chase Freedom Flex
Up to 5% cash back is offered in special categories that change every three months, and 3% on things like dining and drugstore buys. There’s no yearly fee; a $200 bonus can be earned by spending just $500 in the first three months. This card gives great value without extra costs.
Citi Double Cash Card
The Citi Double Cash Card has a 2% cashback on all purchases—1% when you make a purchase and another 1% when you pay it off. There is also no interest on balance transfers for 18 months, no yearly fee, unlimited cash back, 24/7 fraud protection, and easy use with digital wallets.
Bank of America Premium Rewards Credit Card
Enjoy 60,000 bonus points worth $600 after spending $4,000 in the first 90 days. You get no extra fees for foreign purchases, up to $200 in travel credits, and up to $100 for TSA PreCheck or Global Entry fees. Even with a $95 annual fee, you get unlimited points, and these points never expire.
Chase Freedom Unlimited
This card gives 5% cash back on travel booked through Chase Travel, 3% on dining and drugstores, and 1.5% on everything else. It also offers 1.5% cash back on up to $20,000 spent in the first year, which could mean up to $300. Notably, points can be moved to other Chase cards.
Prime Visa
You will get a $100 Amazon gift card when approved, and special offers can give up to 10% back on some items. Travel benefits include secondary car rental insurance, up to $500,000 for travel accidents, up to $3,000 for lost luggage, and $100 each day for delayed baggage.
Discover it Cash Back
In addition to no annual fees and the special feature of matching all cashback earned during the first year, Discover also provides no fraud liability, a free credit score, and alerts about Social Security to help guard against identity theft. These features, plus other great advantages, make it a smart pick for good rewards.
American Express Gold Card
Card users get up to $10 in dining credits every month, $10 in Uber Cash each month, and a $100 credit for hotel stays. Other perks include no fees for using the card abroad, insurance for rental cars, and insurance for lost or damaged bags.
Citi Strata Premier Card
Earn 75,000 points by spending $4,000 in the first three months, which can be used for $750 in gift cards or travel. Also, 10 points for every $1 spent on hotels, car rentals, and trips booked through CitiTravel.com. Three points for each $1 spent on flights, hotel stays, restaurants, and grocery stores.
Blue Cash Preferred Card from American Express
Users get 6% cash back at U.S. supermarkets on up to $6,000 a year and 6% cash back on some streaming services. Purchases and balance transfers have 0% APR for 12 months. In addition, they enjoy discounts on tickets with Amex Experiences, protection for purchases, an extra warranty, and help with returns.
U.S. Bank Visa Platinum Card
When paying your phone bill, you can take advantage of up to $600 for phone damage or theft with this card. Choose your own payment date and get a free credit score from TransUnion. There’s no annual fee, and the long 0% APR helps with big purchases or paying off debt.
