BEST CARDS · UPDATED MONTHLY

Best Premium Credit Cards (August 2026)

Premium cards ($300+ annual fees) compete on benefits, not earn rates — so this page ranks by the total face value of each card’s tracked benefit stack, from lounge access to hotel credits. The catch: face value only pays off if you actually use the credits.

By Frank · Updated Aug 18, 2026 · 33 cards ranked

1 $7,194/yr in benefits

Amex Business Platinum

American Express

Benefits value

$7,194/yr

Annual fee

$895

Welcome bonus

300,000 Membership Rewards Points

All earn rates & benefits

Earn rates

Category	Rate	True value
Large Purchase	2%	2%
Electronics	2%	2%
Shipping	2%	2%
Construction Hardware	2%	2%
Everything else	1x	1.4%

Benefits · $7,194/yr face value

Credits (13)

$2,400 One AP Subscription Credit $2,400 /yr
Dell Spend Bonus $1,000 /yr
Fine Hotels + Resorts Credit $600 /semi-annual
Delta Sky Club Access $390 /yr
$360 Annual Indeed Credit $360 /quarterly
ChatGPT Business Credit $300 /yr
Adobe Credit $250 /yr
CLEAR Plus Credit $209 /yr
$200 Hilton Credit $200 /quarterly
Airline Fee Credit $200 /yr
Dell Credit $150 /yr
$10 Monthly Wireless Credit $120 /monthly
Global Entry Credit $120 /yr

Status & Elite Perks (3)

Global Lounge Collection $695 /yr
Hotel Elite Status $200 /yr
35% Membership Rewards Rebate on Flights

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

2 $5,004/yr in benefits

Amex Schwab Platinum

American Express

Benefits value

$5,004/yr

Annual fee

$895

Welcome bonus

80,000 Membership Rewards Points

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	1x	1.4%
Groceries	1x	1.4%
Gas	1x	1.4%
Everything else	1x	1.4%

Benefits · $5,004/yr face value

Credits (14)

Schwab Appreciation Bonus ($10M+) $1,000 /yr
$600 Hotel Credit $600 /semi-annual
$400 Resy Credit $400 /quarterly
$25 Monthly Digital Entertainment Credit $300 /monthly
$300 Lululemon Credit $300 /quarterly
$300 Equinox Credit $300 /yr
$189 CLEAR Plus Credit $209 /yr
Schwab Appreciation Bonus ($1M-$10M) $200 /yr
$200 Airline Fee Credit $200 /yr
$200 Oura Ring Credit $200 /yr
$15 Monthly Uber Credit $200 /monthly
$12.95 Monthly Walmart+ Credit $155 /monthly
$120 Global Entry/TSA PreCheck Credit $120 /yr
Schwab Appreciation Bonus ($250K-$1M) $100 /yr

Status & Elite Perks (5)

Centurion Lounge Access $500 /yr
$120 Uber One Credit $120 /yr
Hilton Honors Gold Status $50 /yr
Marriott Bonvoy Gold Elite Status $50 /yr
1.1cpp Schwab Redemption

Redemption progress, reset dates and expiry alerts for all 19 benefits — track them automatically in the MaxWorth app →

3 $4,989/yr in benefits

Amex Morgan Stanley Platinum

American Express

Benefits value

$4,989/yr

Annual fee

$895

Welcome bonus

Earn 125,000 Membership Rewards Points after spending $8,000 in the first 6 months

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	5x	7%
Everything else	1x	1.4%

Benefits · $4,989/yr face value

Credits (13)

$895 Annual Engagement Bonus $895 /yr
$600 Hotel Credit $600 /semi-annual
$400 Resy Credit $400 /quarterly
Delta Sky Club Access $390 /yr
$300 Equinox Credit $300 /yr
$300 Lululemon Credit $300 /quarterly
$25 Monthly Digital Entertainment Credit $300 /monthly
CLEAR Plus Credit $209 /yr
$200 Airline Fee Credit $200 /yr
$200 Oura Ring Credit $200 /yr
$15 Monthly Uber Credit $200 /monthly
$12.95 Monthly Walmart+ Credit $155 /monthly
$120 Global Entry/TSA PreCheck Credit $120 /yr

Status & Elite Perks (5)

Centurion Lounge Access $500 /yr
$120 Uber One Membership $120 /yr
Hilton Honors Gold Status $50 /yr
Marriott Bonvoy Gold Elite Status $50 /yr
Invest with Rewards

Redemption progress, reset dates and expiry alerts for all 18 benefits — track them automatically in the MaxWorth app →

4 $4,094/yr in benefits

Full review →

Amex Platinum

American Express

Benefits value

$4,094/yr

Annual fee

$895

Welcome bonus

As high as 175,000 Membership Rewards Points

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	5x	7%
Everything else	1x	1.4%

Benefits · $4,094/yr face value

Credits (12)

$600 Hotel Credit $600 /semi-annual
$400 Resy Credit $400 /quarterly
Delta Sky Club Access $390 /yr
$25 Monthly Digital Entertainment Credit $300 /monthly
$300 Equinox Credit $300 /yr
$300 Lululemon Credit $300 /quarterly
CLEAR Plus Credit $209 /yr
$200 Airline Fee Credit $200 /yr
$15 Monthly Uber Credit $200 /monthly
$200 Oura Ring Credit $200 /yr
$12.95 Monthly Walmart+ Credit $155 /monthly
$120 Global Entry/TSA PreCheck Credit $120

Status & Elite Perks (4)

Centurion Lounge Access $500 /yr
$120 Uber One Membership $120 /yr
Hilton Honors Gold Status $50 /yr
Marriott Bonvoy Gold Elite Status $50 /yr

Protections (9)

Trip Delay Insurance
Trip Cancellation and Interruption Insurance
Baggage Insurance Plan
Car Rental Loss and Damage Insurance
Purchase Protection
Extended Warranty
Return Protection
Cell Phone Protection
Premium Global Assist Hotline

Redemption progress, reset dates and expiry alerts for all 25 benefits — track them automatically in the MaxWorth app →

5 $3,885/yr in benefits

Amex Delta Reserve Business

American Express

Benefits value

$3,885/yr

Annual fee

$650

Welcome bonus

125,000 Delta SkyMiles

All earn rates & benefits

Earn rates

Category	Rate	True value
Delta	3x	3.6%
Transit	1.5x	1.8%
Shipping	1.5x	1.8%
Office Supply	1.5x	1.8%
Everything else	1x	1.2%

Benefits · $3,885/yr face value

Credits (7)

Annual Companion Certificate $500 /yr
Delta Stays Hotel Credit $250 /yr
$20 Monthly Resy Dining Credit $240 /monthly
$10 Monthly Rideshare Credit $120 /monthly
Global Entry / TSA PreCheck Credit $120 /yr
Sky Club Guest Passes $50 /yr
Delta Sky Club Access $35 /yr

Status & Elite Perks (6)

MQD Headstart $2,500 /yr
Free First Checked Bag $70 /yr
Hertz President's Circle
Complimentary Upgrade Eligibility
Priority Boarding
Unlimited Sky Club (Spend $75k)

Other (1)

15% Award Discount

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

6 $3,698/yr in benefits

Full review →

Chase Sapphire Reserve

Chase

Benefits value

$3,698/yr

Annual fee

$795

Welcome bonus

100,000 Ultimate Rewards Points

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	4x	6%
Hotels	4x	6%
Dining	3x	4.5%
Everything else	1x	1.5%

Benefits · $3,698/yr face value

Credits (13)

$500 Annual The Edit Credit (2+ nights) $500 /yr
$500 Southwest Airlines Chase Travel Credit $500 /yr
$300 Annual Travel Credit $300 /yr
$25 Monthly DoorDash Credit $300 /monthly
$150 Semi-Annual Dining Credit(Opentable Only) $300 /semi-annual
$150 Semi-Annual StubHub Credit $300 /semi-annual
$250 The Shops at Chase Credit $250 /yr
$250 Select Chase Travel Hotel Credit(2+ nights) $250 /yr
$12.99 Monthly Apple TV Subscription $155.88 /monthly
$10.99 Monthly Apple Music Subscription $131.88 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Peloton Credit $120 /monthly
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (5)

Priority Pass Select $250 /yr
IHG One Rewards Platinum Elite Status $100 /yr
IHG One Rewards Diamond Elite Status
World of Hyatt Explorist Status
Southwest Airlines Rapid Rewards A-List Status

Protections (4)

Auto Rental Coverage
Trip Cancellation and Interruption Insurance
Purchase Protection
Extended Warranty Protection

Redemption progress, reset dates and expiry alerts for all 22 benefits — track them automatically in the MaxWorth app →

7 $3,160/yr in benefits

Chase Sapphire Reserve Business

Chase

Benefits value

$3,160/yr

Annual fee

$795

All earn rates & benefits

Earn rates

Category	Rate	True value
Lyft	5%	7.5%
Flights	4%	6%
Hotels	4%	6%
Advertising	3%	4.5%
Everything else	1%	1.5%

Benefits · $3,160/yr face value

Credits (10)

$500 Annual The Edit Credit (2+ nights) $500 /yr
$500 The Shops at Chase Credit $500 /yr
$500 Southwest Chase Travel Credit $500 /yr
$200 Semi-Annual ZipRecruiter Credit $400 /semi-annual
$300 Annual Travel Credit $300 /yr
$25 Monthly DoorDash Credit $300 /monthly
$200 Google Workspace Credit $200 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Lyft Credit $120 /monthly
$50 Semi-Annual Gift Card Credit $100 /semi-annual

Status & Elite Perks (6)

$120 DashPass Membership $120 /yr
Chase Sapphire Lounge Access
Priority Pass Select
IHG Platinum Elite Status
IHG Diamond Elite Status
Southwest A-List Status

Redemption progress, reset dates and expiry alerts for all 16 benefits — track them automatically in the MaxWorth app →

8 $2,760/yr in benefits

Amex Delta Reserve

American Express

Benefits value

$2,760/yr

Annual fee

$650

Welcome bonus

125,000 Delta SkyMiles

All earn rates & benefits

Benefits · $2,760/yr face value

Credits (5)

Companion Certificate $500 /yr
$20 Monthly Resy Dining Credit $240 /monthly
Delta Stays Credit $200 /yr
$10 Monthly Rideshare Credit $120 /monthly
Global Entry/TSA PreCheck Credit $120 /yr

Status & Elite Perks (3)

Delta Sky Club Access $695 /yr
Centurion Lounge Access $200 /yr
Hertz President's Circle Status $100 /yr

Other (5)

MQD Headstart & Boost $250 /yr
Upgrade Priority $150 /yr
15% Award Discount $100 /yr
First Checked Bag Free $60 /yr
Priority Boarding $25 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

9 $2,720/yr in benefits

Amex Marriott Brilliant

American Express

Benefits value

$2,720/yr

Annual fee

$650

Welcome bonus

200,000 Marriott points (upcoming), currently 100k

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	4.2%
Travel	3x	2.1%
Dining	3x	2.1%
Everything else	2x	1.4%

Benefits · $2,720/yr face value

Credits (3)

$25 Monthly Dining Credit $300 /monthly
TSA PreCheck/Global Entry Credit $120 /yr
$100 Marriott Bonvoy Property Credit $100 /yr

Status & Elite Perks (4)

Marriott Platinum Elite Status $1,200 /yr
Annual Free Night Award $600 /yr
Priority Pass Select $400 /yr
25 Elite Night Credits

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

10 $2,694/yr in benefits

Full review →

Robinhood Platinum Card

Robinhood Credit

Benefits value

$2,694/yr

Annual fee

$695

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	5%	5%
Everything else	1%	1%

Benefits · $2,694/yr face value

Credits (7)

$500 Hotel Booking Credit $500 /semi-annual
$300 Annual Travel Credit $300 /semi-annual
$20 Monthly Autonomous Rides Credit $250 /monthly
$20 Monthly Restaurant Credit $250 /monthly
$20 Monthly DoorDash Credit $250 /monthly
$200 Health Wearables Credit $200 /yr
$120 Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (6)

$365 Function Health Membership $365 /yr
$199 Amazon One Medical Membership $199 /yr
$120 DashPass Membership $120 /yr
$100 Priority Pass Select $100 /yr
$70 Oura Ring Membership $70 /yr
$60 Robinhood Gold Membership $60 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

Show all 33 cards ranked for premium · ranked #11–#33

11 $2,664/yr in benefits

Atmos Rewards Summit

Bank of America

Benefits value

$2,664/yr

Annual fee

$395

All earn rates & benefits

Earn rates

Category	Rate	True value
Alaska	3x	4.5%
Hawaiian	3x	4.5%
Dining	3x	4.5%
Foreign Transactions	3x	4.5%
Everything else	1x	1.5%

Benefits · $2,664/yr face value

Credits (6)

100K Global Companion Award $1,600 /yr
Alaska Lounge Passes (8x) $520 /yr
25K Global Companion Award $400 /yr
8 Wi-Fi Passes $64 /yr
$50 Travel Delay Credit $50 /yr
TSA PreCheck/Global Entry Credit $30 /yr

Status & Elite Perks (6)

Free First Checked Bag
Waived Same-Day Change Fees
20% In-flight Savings
Waived Partner Award Fees
Priority Boarding
10K Annual Status Points

Protections (1)

Travel Insurance

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

12 $2,520/yr in benefits

Chase Ritz-Carlton

Chase

Benefits value

$2,520/yr

Annual fee

$450

All earn rates & benefits

Earn rates

Category	Rate	True value
Marriott	6x	5.4%
Dining	3x	2.7%
Travel	3x	2.7%
Everything else	2x	1.8%

Benefits · $2,520/yr face value

Credits (4)

Annual Free Night Award $600 /yr
Annual Travel Credit $300 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$100 Hotel Credit $100 /yr

Status & Elite Perks (2)

Marriott Gold Elite Status $1,000 /yr
Priority Pass Select $400 /yr

Redemption progress, reset dates and expiry alerts for all 6 benefits — track them automatically in the MaxWorth app →

13 $2,329/yr in benefits

Citi Strata Elite

Citi

Benefits value

$2,329/yr

Annual fee

$595

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	3x	4.8%
Everything else	1.5x	2.4%

Benefits · $2,329/yr face value

Credits (7)

Citigold Private Client Relationship Credit $595 /yr
Annual Hotel Benefit $300 /yr
American Airlines Admirals Club Passes $300 /yr
Annual Splurge Credit $200 /yr
Annual Blacklane Credit $200 /semi-annual
Citigold Relationship Credit $145 /yr
Global Entry or TSA PreCheck Credit $120 /yr

Status & Elite Perks (4)

Priority Pass Select Membership $469 /yr
The Reserve by Citi Travel Benefits
Mastercard World Legend Benefits
Citi Entertainment Access

Protections (1)

Travel and Shopping Protections

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

14 $2,299/yr in benefits

Chase United Club

Chase

Benefits value

$2,299/yr

Annual fee

$695

All earn rates & benefits

Earn rates

Category	Rate	True value
United	5x	6.5%
Travel	2x	2.6%
Dining	2x	2.6%
Everything else	1x	1.3%

Benefits · $2,299/yr face value

Credits (7)

$20 Monthly Instacart Credit $240 /monthly
$200 Renowned Hotels Statement Credit $200 /yr
$200 JSX Statement Credit $200 /yr
$12.50 Monthly Rideshare Credit $150 /monthly
Global Entry/TSA PreCheck Credit $120
Up to $100 Avis/Budget Credits $100 /yr
1,500 Card Bonus PQP

Status & Elite Perks (8)

United Club Membership $750 /yr
Free First and Second Checked Bags $440 /yr
Complimentary Instacart+ Membership $99 /yr
Premier Access Travel Services
Visa Infinite Concierge Services
IHG One Rewards Platinum Elite Status
Premier Upgrades on Award Tickets
Avis President's Club Status

Other (3)

10% Off United Economy Saver Awards
25% Back on United Inflight/Club Premium Purchases
10,000-Mile Award Flight Discount

Redemption progress, reset dates and expiry alerts for all 18 benefits — track them automatically in the MaxWorth app →

15 $2,050/yr in benefits

Citi Prestige

Citi

Benefits value

$2,050/yr

Annual fee

$495

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	5%	5%
Flights	5%	5%
Hotels	3%	3%
Cruise	3%	3%
Everything else	1%	1%

Benefits · $2,050/yr face value

Credits (3)

Fourth Night Free $800 /yr
$250 Annual Travel Credit $250 /yr
Global Entry/TSA PreCheck Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select $100 /yr

Protections (1)

Cell Phone Protection $800 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

16 $2,041/yr in benefits

Chase United Club Business

Chase

Benefits value

$2,041/yr

Annual fee

$695

All earn rates & benefits

Earn rates

Category	Rate	True value
United	2x	2.6%
Everything else	1.5x	1.95%

Benefits · $2,041/yr face value

Credits (8)

$20 Monthly Instacart Credit $240 /monthly
$200 Renowned Hotels Credits $200 /yr
$200 JSX Credits $200 /yr
$12 Monthly Ride-Hailing Credit $150 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$100 Avis/Budget Credits $100 /yr
DashPass Membership (1 year) $96 /yr
$50 FareLock Credit $50 /yr

Status & Elite Perks (4)

United Club Membership $750 /yr
Free First & Second Checked Bags $70 /yr
Avis President's Club Membership
Priority Boarding

Other (2)

5,000-Mile Anniversary Bonus $65 /yr
25% Back on United Purchases

Redemption progress, reset dates and expiry alerts for all 14 benefits — track them automatically in the MaxWorth app →

17 $1,639/yr in benefits

Capital One Venture X

Capital One

Benefits value

$1,639/yr

Annual fee

$395

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2x	3.4%

Benefits · $1,639/yr face value

Credits (4)

$300 Annual Travel Credit $300 /yr
10,000 Anniversary Bonus Miles $170 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$100 Premier Collection Credit $100 /yr

Status & Elite Perks (5)

Priority Pass Membership $200 /yr
Capital One Lounge Access $200 /yr
Hertz President's Circle Status $150 /yr
Complimentary PRIOR Subscription $149 /yr
The Cultivist Enthusiast 50% Off $50 /yr

Protections (3)

Cell Phone Protection $100 /yr
Trip Delay Reimbursement $50 /yr
Lost Luggage Reimbursement $50 /yr

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

18 $1,610/yr in benefits

Full review →

Citi AA Exec

Citi

Benefits value

$1,610/yr

Annual fee

$595

All earn rates & benefits

Benefits · $1,610/yr face value

Credits (4)

Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Grubhub Credit $120 /monthly
Avis/Budget Credit $120 /yr
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (1)

Admirals Club Membership $850 /yr

Protections (1)

Travel Protection $150 /yr

Other (3)

First Checked Bag Free $80 /yr
Priority Airport Services $50 /yr
25% Inflight Savings

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

19 $1,509/yr in benefits

Full review →

Amex Hilton Aspire

American Express

Benefits value

$1,509/yr

Annual fee

$550

All earn rates & benefits

Earn rates

Category	Rate	True value
Hilton	14x	6.4%
Travel	7x	2.8%
Dining	7x	2.8%
Everything else	3x	1.2%

Benefits · $1,509/yr face value

Credits (6)

$200 Semi-Annual Hilton Resort Credit $400 /semi-annual
Hilton Honors Annual Free Night Reward $300 /yr
CLEAR Plus Credit $209 /yr
$200 Airline Fee Credit $200 /quarterly
TSA PreCheck/Global Entry Credit $100 /yr
$100 Waldorf/Conrad On-Property Credit $100 /yr

Status & Elite Perks (2)

Hilton Diamond Status $200 /yr
National Car Rental Emerald Club Executive

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

20 $1,440/yr in benefits

Chase United Quest

Chase

Benefits value

$1,440/yr

Annual fee

$350

All earn rates & benefits

Earn rates

Category	Rate	True value
United	4x	5.2%
Dining	2x	2.6%
Travel	2x	2.6%
Streaming	2x	2.6%
Everything else	1x	1.3%

Benefits · $1,440/yr face value

Credits (10)

Free First and Second Checked Bags $360 /yr
$200 Annual United Travel Credit $200 /yr
$15 Monthly Instacart Credit $180 /monthly
$150 Renowned Hotels and Resorts Statement Credit $150 /yr
$150 JSX Statement Credit $150 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Annual 10,000-mile Award Flight Discount $100 /yr
$8 Monthly Rideshare Credit $100 /monthly
$80 Avis or Budget Travel Credit $80 /yr
1,000 Card Bonus PQP

Status & Elite Perks (1)

Priority Boarding

Other (1)

25% Back on United Inflight Purchases

Redemption progress, reset dates and expiry alerts for all 12 benefits — track them automatically in the MaxWorth app →

21 $1,390/yr in benefits

Citi AAdvantage Globe

Citi

Benefits value

$1,390/yr

Annual fee

$350

Welcome bonus

Earn 60,000 AAdvantage bonus miles after $4,000 in purchases in the first 3 months

All earn rates & benefits

Earn rates

Category	Rate	True value
American	3x	3.9%
Transit	2x	2.6%
Everything else	1x	1.3%

Benefits · $1,390/yr face value

Credits (5)

Companion Certificate $300 /yr
$240 Turo Credit $240 /monthly
$120 Global Entry/TSA PreCheck Credit $120 /yr
$100 Choice Credits $100 /yr
$100 Inflight Purchase Credit $100 /yr

Status & Elite Perks (1)

Admirals Club Globe Passes $200 /yr

Protections (6)

Trip Cancellation/Interruption Insurance $100 /yr
Trip Delay Insurance $50 /yr
Lost or Damaged Luggage Insurance $50 /yr
Extended Warranty Protection $25 /yr
Purchase Assurance Plus $25 /yr
MasterRental Coverage

Other (1)

First Checked Bag Free $80 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

22 $1,310/yr in benefits

Amex Delta Platinum Business

American Express

Benefits value

$1,310/yr

Annual fee

$350

All earn rates & benefits

Earn rates

Category	Rate	True value
Flights	3x	3.6%
Hotels	3x	3.6%
Transit	1.5x	1.8%
Shipping	1.5x	1.8%
Everything else	1x	1.2%

Benefits · $1,310/yr face value

Credits (5)

Annual Companion Certificate $400 /yr
$200 Delta Stays Credit $200 /yr
$10 Monthly Resy Credit $120 /monthly
$10 Monthly Rideshare Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (3)

Free Checked Bag $140 /yr
Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

23 $1,260/yr in benefits

Amex Delta Platinum

American Express

Benefits value

$1,260/yr

Annual fee

$350

Welcome bonus

100,000 Delta SkyMiles

All earn rates & benefits

Earn rates

Category	Rate	True value
Hotels	3x	3.6%
Flights	3x	3.6%
Dining	2x	2.4%
Groceries	2x	2.4%
Everything else	1x	1.2%

Benefits · $1,260/yr face value

Credits (6)

Annual Companion Certificate $400 /yr
$150 Delta Stays Credit $150 /yr
Free Checked Bag $140 /yr
$10 Monthly Rideshare Credit $120 /monthly
$10 Monthly Resy Credit $120 /monthly
Global Entry/TSA PreCheck Credit $30

Status & Elite Perks (2)

Priority Boarding $50 /yr
MQD Headstart

Protections (1)

Cell Phone Protection $50 /yr

Other (1)

Award Travel Discount $200 /yr

Redemption progress, reset dates and expiry alerts for all 10 benefits — track them automatically in the MaxWorth app →

24 $1,249/yr in benefits

HSBC Elite

HSBC

Benefits value

$1,249/yr

Annual fee

$495

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	5%	5%
Dining	2%	2%
Everything else	1%	1%

Benefits · $1,249/yr face value

Credits (4)

HSBC Travel Credit $400 /yr
$10 Monthly Instacart+ Credit $140 /monthly
Global Entry/TSA PreCheck Credit $120 /yr
$10 Monthly Rideshare Credit $120 /monthly

Status & Elite Perks (1)

Priority Pass Lounge Access $469 /yr

Protections (2)

Cell Phone Protection
Purchase Assurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

25 $1,190/yr in benefits

Capital One Venture X Business

Capital One

Benefits value

$1,190/yr

Annual fee

$395

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2x	3.4%

Benefits · $1,190/yr face value

Credits (4)

$300 Annual Travel Credit $300 /yr
10,000 Anniversary Bonus Miles $170 /yr
Global Entry/TSA PreCheck Credit $120 /yr
$100 Premier Collection Credit $100 /yr

Status & Elite Perks (2)

Capital One Lounge Access $200 /yr
Priority Pass Membership $100 /yr

Protections (3)

Cell Phone Protection $100 /yr
Trip Delay Reimbursement $50 /yr
Lost Luggage Reimbursement $50 /yr

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

26 $1,155/yr in benefits

Bilt Palladium Card

First Electronic Bank

Benefits value

$1,155/yr

Annual fee

$495

Welcome bonus

50,000 Bilt Points + Gold Status + $300 Bilt Cash

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	2x	2.5%
Rent	1x	1.25%

Benefits · $1,155/yr face value

Credits (3)

$400 Bilt Travel Hotel Credit $400 /semi-annual
$200 Annual Bilt Cash Benefit $200 /yr
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (1)

Priority Pass Select $100

Protections (9)

Trip Cancellation/Interruption Insurance $60 /yr
Cell Phone Protection $50 /yr
Purchase Assurance $50 /yr
Lost/Damaged Luggage Insurance $40 /yr
Trip Delay Reimbursement $30 /yr
Extended Warranty $30 /yr
MasterRental Coverage $30 /yr
Baggage Delay Insurance $25 /yr
Price Drop Protection $20 /yr

Redemption progress, reset dates and expiry alerts for all 13 benefits — track them automatically in the MaxWorth app →

27 $1,129/yr in benefits

Chase Sapphire Reserve (Legacy)

Chase

Benefits value

$1,129/yr

Annual fee

$795

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	3x	4.2%
Dining	3x	4.2%
Everything else	1x	1.4%

Benefits · $1,129/yr face value

Credits (3)

$300 Annual Travel Credit $300 /yr
Global Entry/TSA PreCheck/NEXUS Fee Credit $120 /yr
$10 Monthly Lyft Credit $120 /monthly

Status & Elite Perks (2)

Priority Pass Select $469 /yr
DoorDash DashPass $120 /yr

Protections (2)

Travel Protections
Purchase Protections

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

28 $945/yr in benefits

Amex Business Gold

American Express

Benefits value

$945/yr

Annual fee

$375

All earn rates & benefits

Earn rates

Category	Rate	True value
Everything else	1x	1.4%

Benefits · $945/yr face value

Credits (5)

$300 Annual ChatGPT Business Credit $300 /yr
$20 Monthly Flexible Business Credit $240 /monthly
$12.95 Monthly Walmart+ Credit $155 /monthly
$150 Annual Squarespace Credit $150 /yr
$100 Hotel Collection Credit $100 /yr

Protections (3)

Cell Phone Protection
Car Rental Insurance
Purchase Protection

Redemption progress, reset dates and expiry alerts for all 8 benefits — track them automatically in the MaxWorth app →

29 $670/yr in benefits

BoA Premium Rewards Elite

Bank of America

Benefits value

$670/yr

Annual fee

$550

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	2%	2%
Dining	2%	2%
Everything else	1.5%	1.5%

Benefits · $670/yr face value

Credits (3)

Airline Incidental Credit $300 /yr
$150 Lifestyle Credit $150 /yr
Global Entry/TSA PreCheck Credit $120 /yr

Status & Elite Perks (1)

Priority Pass Select $50 /yr

Protections (1)

Travel Insurance $50 /yr

Redemption progress, reset dates and expiry alerts for all 5 benefits — track them automatically in the MaxWorth app →

30 $570/yr in benefits

Barclays JetBlue Premier

Barclays

Benefits value

$570/yr

Annual fee

$499

All earn rates & benefits

Earn rates

Category	Rate	True value
JetBlue	6x	8.4%
Dining	2x	2.8%
Groceries	2x	2.8%
Everything else	1x	1.4%

Benefits · $570/yr face value

Credits (6)

Paisly Statement Credits $300 /yr
Global Entry/TSA PreCheck Credit $120 /yr
Anniversary Bonus $100 /yr
Inflight Purchase Savings $50 /yr
Points Redemption Bonus
Free First Checked Bag

Status & Elite Perks (2)

Priority Pass Select
Group A Boarding

Other (1)

Points Payback

Redemption progress, reset dates and expiry alerts for all 9 benefits — track them automatically in the MaxWorth app →

31 $524/yr in benefits

Amex Gold

American Express

Benefits value

$524/yr

Annual fee

$325

Welcome bonus

As high as 100,000 Membership Rewards Points

All earn rates & benefits

Earn rates

Category	Rate	True value
Dining	4x	5.6%
Groceries	4x	5.6%
Flights	3x	4.2%
Travel	2x	2.8%
Everything else	1x	1.4%

Benefits · $524/yr face value

Credits (5)

$10 Monthly Dining Credit $120 /monthly
$10 Monthly Uber Credit $120 /monthly
Hotel Collection $100 /yr
$100 Resy Credit $100 /semi-annual
$7 Monthly Dunkin Credit $84 /monthly

Status & Elite Perks (1)

Hertz Five Star Status

Protections (1)

Travel Insurance

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

32 $425/yr in benefits

Full review →

US Bank Altitude Reserve

U.S. Bank

Benefits value

$425/yr

Annual fee

$400

All earn rates & benefits

Earn rates

Category	Rate	True value
Travel	3x	4.5%
Mobile Wallet	3x	4.5%
Everything else	1x	1.5%
Dining	1x	1.5%

Benefits · $425/yr face value

Credits (2)

$325 Annual Travel Credit $325 /yr
Global Entry or TSA PreCheck Fee Credit $100 /yr

Status & Elite Perks (1)

Priority Pass Select Membership

Redemption progress, reset dates and expiry alerts for all 3 benefits — track them automatically in the MaxWorth app →

33 $0/yr in benefits

Barclays Emirates Premium

Barclays

Benefits value

$0/yr

Annual fee

$499

All earn rates & benefits

Earn rates

Category	Rate	True value
Emirates	3x	3.6%
Travel	2x	2.4%
Everything else	1x	1.2%

Benefits · $0/yr face value

Credits (2)

Anniversary Bonus Miles
Global Entry/TSA PreCheck Credit

Status & Elite Perks (2)

Emirates Gold Tier Membership
Priority Pass Select Access

Other (3)

25% Discount on Buy/Gift Miles
Miles Never Expire
Free FICO Credit Score

Redemption progress, reset dates and expiry alerts for all 7 benefits — track them automatically in the MaxWorth app →

How we rank

Rankings are generated from the MaxWorth database at build time. Point multipliers are converted to true cash-back value using program-level point valuations (a 4x rate in 1.4¢ points ranks as 5.6%). Issuer-portal-exclusive rates are excluded; single-brand rates are included but flagged. No card pays to be here. Content is not reviewed or endorsed by any issuer — full disclaimer.

FAQ

How should I compare premium cards?

Ignore the marketing total and ask which credits you’d use without changing your behavior. A $4,000 stack you’ll use 30% of is worth less than a $1,500 stack you’ll use fully — the MaxWorth app tracks your real usage per card.