The best credit card is one that best aligned with your needs.

We have reviewd and rated hundred of choices for best credit cards of 2026 from generous rewards and giant sign up bonuses to long 0% APR periods and credit building help so you can find best fit for your desire.

Best for Luxury Travel Perks

American Express Platinum Card

Annual Fee $895

Reward Rate !x-5X

Introduction Offer As High as 175000 Points Find Out your offer.

APR See Pay Over Time APR

Recommended Credit

Good Superb.

Rewards Breakdown

1X Membership Rewards Points on other purchases.

5X Members Rewards Points on prepaid hotel booking through American Express travel. consisting of fine hotels + Resorts and the Hotel Collection Bookings.

5x Membership Rewards point on flights purchased directly from airlines or through American express travel on up to $500,000 on these purchases per calendar year.

Nerdwallet take

Pros

Bonus categories

Transfer partners

Luxury Perks

Lounge membership

Automatic elite status

Cons

Has annual fee

Complex rewards

Requires good/ excellent credit.

Card details  Apply Now

You may be eligible fo as high as 175000 membership rewards points after you spend $8000 in eligible purchases on your new Card in your first 6 months of Card Membership.

Welcome offers vary and you may not be eligible for an offer. Apply to know if you ar approved  and find out your exact welcome offer amount all with no credit score impact. If you are approved and choose to accept the Card your score may be impacted.

• Get more for your travels with 5X Membership Rewards points on all flights and prepaid hotel booking through American Express Travel including Fine a Hotels + Resorts and The Hotel Collection bookings.
• You earn 5X points on flights purchased directly from airlines or through American Express Travel on up to $500,000 on these purchases per calendar year.
• More value with over 1550 airport lounges more than other credit card company on the market enjoy benefits of Global Lounge Collection over $850 of annual value with access to Centurion Lounges 10 complimentary Delta Sky Club visits when flying on eligible Delta flight. Priority Pass select membership enrollment required and other select partner lounges. As of 07/2025
• More value $200 Uber Cash + $120 Uber One Credit With Platinum Card you can receive $15 in Uber Cash each month plus bonus $20 in December when you add your Platinum Card to your Uber account to use on  rides and orders in US when you select Amex Card for your transaction. When you use the Platinum Card to pay for auto renewing Uber One membership you can get upto $120 in statement credits each calendar year.
• More value $300 Digital Entertainment Credit Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card at participating partners. Enrollment required.
• More value $600 Hotel Credit Get up to $300 in statement credits semi annually on prepaid Fine Hotesl + Resorts or The Hotel Collection booking through American Express Travel using Platinum Card. The Hotel Collection requires a minimum two night stay.
• New $400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card to pay at US Resy restaurants and make other eligible purchases through Resy. You can get up to $100 in statement credits each quarter with $400 Resy Credit Benefit. Plus with Platinum Nights by Resy you can get special access to reservation on select nights at participating in demand Resy restaurants with Platinum Card. Simply add your eligible Card to Your Resy profile to book and discover Platinum Nights reservation near you, enrollment required.
• More Value $209 Clear Plus Credit Clear Plus helps get you to your gate faster by using unique facial traits to verify you are you at 50+ airports nationwide. You can cover cost of Clear Plus Membership with up to $209 in statement credits per calendar year after you pay for Clear Plus with Platinum Cards. Excluding any applicable taxes and fees. Subject to auto renewal.
• Start your vacation sooner and keep it going longer. When you book Fine Hotels + Resorts Through American Express Travel enjoy noon check in upon arrival when available and guaranteed 4 PM check out.
• $200 Airline Fee Credit.