🇺🇸 Premium Cards in United States
Top-tier cards with elite perks · 6 cards
✈ Lounge Access Available★ Lounge access under $400/yr
Capital One Venture X Rewards
Capital One
The premium card to pick if you want lounge access without the Platinum's $695 sting; at…
$395/yr
Details
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✈ Lounge Access Available★ Airport lounge access + travel credit
Chase Sapphire Reserve
Chase
This only makes sense if you'll burn through the annual travel credit and use Priority Pa…
$550/yr
Details
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✈ Lounge Access Available★ Most lounge access of any card
The Platinum Card from American Express
American Express
Buy this for the lounge network and credits, not the rewards rate, since outside travel i…
$695/yr
Details
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✈ Lounge Access Available★ Lounge access for business owners
The Business Platinum Card from American Express
American Express
A $695-a-year business card (as of 2026) that only makes sense if you'll actually use the…
$695/yr
Details
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✈ Lounge Access Available★ 3x travel & mobile wallet
U.S. Bank Altitude Reserve Visa Infinite
U.S. Bank
A niche premium pick that rewards mobile-wallet spending at an elevated rate, so it shine…
$400/yr
Details
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★ Up to $200 in annual credits
Bank of America Premium Rewards Credit Card
Bank of America
The Premium Rewards card earns its $95 fee back fast through up to $200 in annual credits…
$95/yr
Details
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