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Best Luxury Credit Cards

Lifestyles of the rich and the famous. Whether you're looking for a Black card, a metal credit card, or another elite credit card, we've got a pick for you. Are luxury credit cards worth it? The Penny Jar thinks they can be. Here are our top 3 credit cards that will bring some serious value to your wallet if you are a frequent traveler. With perks like hotel credits, hotel status, airport lounge access, airline travel credits, access to special concert events, TSA PreCheck, and much more, these cards do not skimp on the benefits. Those benefits come with a high price tag though, so before you dive in make sure you'll be able to justify the annual fee by taking advantage of the luxury perks! Have a favorite luxury card you never leave home without? Let us know!

Chase Sapphire Reserve℠


  • Automatically receive up to $300 in statement credits as reimbursement for travel purchases charged to your card each account anniversary year
  • Earn 3X points on travel worldwide from airfare and hotels to taxis and trains
  • Earn 3X points on dining at restaurants worldwide from fast casual to fine dining
  • Earn 1 point per $1 spent on all other purchases
  • $450 Annual Fee
  • Terms Apply

Citi Prestige® Card


  • $450 Annual Fee
  • $250 Air Travel Credit
  • Complimentary 4th Hotel Night Free
  • $100 Global Entry application fee credit.
  • 3x Points on Air Travel & Hotels, 2x Points on Dining & Entertainment, 1x Point on everything else.
  • Terms Apply

Hilton Aspire Card


  • $450 Annual Fee
  • Earn 14X points for charges with a participating hotel or resort within the Hilton Portfolio.
  • Earn 7X points for eligible flights, car rentals, and restaurants.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Terms Apply

Additional Luxury Credit Cards

Looking for something else? Here are some additional cards that will bring high value to your wallet, but couldn't quite crack the top 3.

The Platinum Card®


  • $550 Annual Fee
  • Get up to $200 for Uber rides annually.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • 5X Membership Rewards® points on flights and hotels booked with amextravel.com.
  • Terms Apply.





    Chase Sapphire Preferred® Card


    • Transfer points to eligible airline and hotel partners
    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. 
    • Points are worth 1.25 cents each when redeeming through Chase Ultimate Rewards.
    • The perfect complimentary card to the Chase Freedom Unlimited.
    • Annual Fee is $0 for the first year, then $95

    Ritz-Carlton Rewards® Credit Card


    • $450 Annual Fee
    • Earn 5 points per dollar on eligible Ritz Carlton and SPG hotel stays
    • Earn 2 points per dollar on restaurants and travel purchases
    • Earn 1 point per dollar on everything else
    • Terms Apply

    Altitude™ Reserve Visa Infinite


    • Exclusive to U.S. Bank customers. 
    • Earn 50,000 bonus points worth $750 on travel when you spend $4,500 in the first 90 days of account opening.
    • Earn 3X points for every $1 on eligible net travel purchases and mobile wallet spending.
    • Up to $325 Annual Statement Credits. Get reimbursed for eligible net travel purchases. 
    • $400 Annual Fee
    • Complimentary Wi-Fi. 12  Gogo Inflight Wi-Fi passes per year.