Discover the Best 10 Luxury Travel Credit Cards of 2025

Earning Rates

• 5X points on flights booked directly with airlines or via Amex Travel.
• 5X points on prepaid hotels booked through Amex Travel.
• 1X points on other purchases.

Luxury Features

• Lounge Access: 1,400+ lounges worldwide (Centurion, Delta Sky Clubs®, Priority Pass™ Select).
• Fine Hotels + Resorts® Program: Room upgrades, late checkout, daily breakfast.
• Uber Cash: Up to $15/month in Uber credits ($35 in December).
• Exclusive Travel Benefits with Emirates, Qatar Airways, etc.

Additional Perks

• $200 airline fee credit annually.
• $100 credit for Global Entry or TSA PreCheck.
• Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status.
• No foreign transaction fees.

Best For

Luxury travelers seeking VIP treatment and top-tier travel experiences.

Earning Rates

• 10X points on hotels & car rentals via Chase UR
• 3X points on travel and dining worldwide.
• 1X point on all other purchases.

Luxury Features

• $300 Annual Travel Credit automatically applied to travel purchases.
• Priority Pass™ Select membership for lounge access.
• Luxury Hotel Collection: Upgrades, daily breakfast, special amenities.

Additional Perks

• Points worth 50% more through Chase Ultimate Rewards.
• DoorDash DashPass and Lyft Pink memberships.
• Comprehensive travel insurance.
• No foreign transaction fees.

Best For

High spenders looking for flexibility and premium perks.

Earning Rates

• 10X miles on hotels & rental cars via Capital One Travel
• 5X miles on flights via Capital One Travel
• 2X miles on all other purchases

Luxury Features

• $300 annual travel credit (bookings via Capital One Travel)
• Unlimited airport lounge access (Capital One Lounges + Priority Pass)
• Exclusive hotel perks

Additional Perks

• 10,000 bonus miles every account anniversary.
• Global Entry/TSA PreCheck credit.
• Cell phone insurance coverage
• No foreign transaction fees.

Best For

Frequent travelers wanting luxury perks at a lower annual fee than other top premium cards.

Earning Rates

• 2X miles on American Airlines purchases.
• 1X mile on all other purchases.

Luxury Features

• Admirals Club® membership for you and family.
• Priority boarding, check-in, and security (where available).
• Free first checked bag for up to 8 companions.
• Earn 10,000 EQMs after $40,000 annual spend.

Additional Perks

• 25% savings on inflight food and beverage purchases on AA flights.
• Global Entry/TSA PreCheck credit.
• No foreign transaction fees.

Best For

American Airlines loyalists seeking premium travel benefits and lounge access.

Earning Rates

• 4X points on dining at restaurants and groceries (up to $25,000/year).
• 3X points on flights booked via Amex Travel.

Luxury Features

• $120 annual dining credit ($10/month at select partners).
• Exclusive American Express Experiences.

Additional Perks

• No foreign transaction fees.
• Purchase protection & extended warranty.

Best For

Foodies and everyday spenders looking for dining and grocery rewards.

Earning Rates

• 3X miles on Delta purchases.

Luxury Features

• Complimentary Sky Club® Access.
• Annual Companion Certificate for domestic First or Main Cabin.

Additional Perks

• Free first checked bag on Delta.
• Medallion® Qualification Miles boost with card spend.
• Global Entry/TSA PreCheck credit.
• No foreign transaction fees.

Best For

Delta loyalists seeking elite travel perks.

Earning Rates

• 14X points on Hilton purchases.
• 7X points on flights, car rentals, and restaurants.
• 3X points on all other eligible purchases.

Luxury Features

• Hilton Diamond Status.
• $250 annual statement credit for Hilton resorts.
• Annual Free Night Reward.
• Unlimited Priority Pass™ Select lounge access.

Additional Perks

• $250 Airline Fee Credit.
• $100 on-property credit at Waldorf Astoria or Conrad with 2+ night stays.
• Global Entry/TSA PreCheck credit.
• No foreign transaction fees.

Best For

Hilton enthusiasts looking for unparalleled hotel rewards.

Earning Rates

• 6X points on Marriott purchases.
• 3X points on dining and airfare.
• 2X points on other purchases.

Luxury Features

• Platinum Elite Status with Marriott Bonvoy.
• $300 Annual Marriott Credit redeemable for hotel bookings.
• Free Night Award (up to 85,000 points).
• Priority Pass™ Select lounge access.

Additional Perks

• 15 Elite Night Credits annually.
• $100 property credit for certain stays.
• Global Entry/TSA PreCheck fee credit.
• No foreign transaction fees.

Best For

Marriott loyalists wanting lounge access, high-tier status, and valuable free nights.

Earning Rates

• 4X miles on United purchases.
• 2X miles on dining and travel.
• 1X mile on all other purchases.

Luxury Features

• Unlimited United Club lounge access for cardholders and eligible guests.
• Free first and second checked bags on United flights.

Additional Perks

• No foreign transaction fees.

Best For

Luxury travelers seeking unique concierge service and premium lounge access.

Earning Rates

• 3X points on travel purchases (airfare, hotels, car rentals).
• 2X points on dining and entertainment.
• 1X point on all other purchases.

Luxury Features

• LoungeKey™ access to 1,300+ lounges worldwide.
• Complimentary Boingo Wi-Fi at hotspots globally.
• Upgraded travel benefits via the Luxury Hotel & Resort Collection.
• Exclusive travel concierge service.

Additional Perks

• $100 annual travel credit for airline tickets/baggage fees.
• Global Entry/TSA PreCheck credit.
• No foreign transaction fees.
• Comprehensive travel/purchase protection.

Best For

Global travelers wanting broad lounge access, strong earning on travel, and no foreign fees.