Best premium credit cards

1. 1
   

   American Express

   Blue Cash Preferred Card

   6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) · 6% cash back on select U.S. streaming subscriptions

   Worth about $607 every year on typical spending — rewards and credits minus the $95 fee.

   $607/ yearAnnual fee $95
2. 2
   

   Chase

   Chase Sapphire Preferred Credit Card

   5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery

   Worth about $561 every year on typical spending — rewards and credits minus the $95 fee.

   $561/ yearAnnual fee $95
3. 3
   

   Capital One

   Venture Rewards

   2X miles on every purchase · 5X miles on hotels, vacation rentals, and rental cars booked through Capital One Travel

   Worth about $554 every year on typical spending — rewards and credits minus the $95 fee.

   $554/ yearAnnual fee $95
4. 4
   

   Barclays

   Wyndham Rewards Earner Plus Card

   6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel

   Worth about $552 every year on typical spending — rewards and credits minus the $95 fee.

   $552/ yearAnnual fee $95
5. 5
   

   Chase

   IHG One Rewards Premier Credit Card

   24X total points per $1 spent when you stay at IHG Hotels and Resorts

   Worth about $540 every year on typical spending — rewards and credits minus the $150 fee.

   $540/ yearAnnual fee $150
6. 6
   

   Citi

   Citi Strata Premier Card

   10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com · 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations

   Worth about $531 every year on typical spending — rewards and credits minus the $95 fee.

   $531/ yearAnnual fee $95
7. 7
   

   Chase

   Marriott Bonvoy Boundless Credit Card

   17X total points per $1 spent at hotels participating in Marriott Bonvoy

   Worth about $525 every year on typical spending — rewards and credits minus the $95 fee.

   $525/ yearAnnual fee $95
8. 8
   

   Chase

   World of Hyatt Credit Card

   9 total points per $1 spent at Hyatt hotels and 2 Bonus Points per $1 spent on other purchases

   Worth about $523 every year on typical spending — rewards and credits minus the $95 fee.

   $523/ yearAnnual fee $95
9. 9
   

   Chase

   United Quest Card

   10x total miles on eligible United flights · 4x miles on all other eligible United purchases

   Worth about $512 every year on typical spending — rewards and credits minus the $350 fee.

   $512/ yearAnnual fee $350
10. 10
    

    Bank of America

    Air France KLM Visa Credit Card

    3 Miles per $1 on eligible Air France, KLM Royal Dutch Airlines and SkyTeam member airline purchases · 3 Miles per $1 on eligible dining purchases

    Worth about $505 every year on typical spending — rewards and credits minus the $89 fee.

    $505/ yearAnnual fee $89

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

• Cash back
• Travel
• No annual fee
• Dining
• Groceries
• Gas
• No foreign fee
• No-fee cash back
• No-fee travel
• No-fee dining
• No-fee groceries
• Balance transfer
• Students
• Business
• Fair credit

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.