Luxury and lifestyle metal credit cards provide rich users with specific features and a premium experience. These cards, which are frequently constructed of materials such as stainless steel or titanium, offer increased durability and a refined appearance. Beyond their outward beauty, they provide members with greater benefits, bespoke concierge services, and premium travel advantages, appealing to individuals wanting an enhanced lifestyle.
Top 11 Luxury & Lifestyle Metal Cards in the USA [2025]
| Serial Number | Names of Luxury & Lifestyle Metal Cards | Best Known & Value for |
|---|---|---|
| 1. | American Express Centurion Card | Ultra-high-net-worth individuals, VIP travel perks, elite concierge, no preset spending limit. (Invite-only) |
| 2. | J.P. Morgan Reserve Card | Ultra-exclusive status, luxury travel benefits, only available to J.P. Morgan Private Bank clients with $10M+ in assets. (Invite-only) |
| 3. | Mastercard® Gold Card™ | High-end aesthetics and solid travel perks |
| 4. | Mastercard® Black Card™ | It has a premium metal design, concierge service, and travel perks |
| 5. | Chase Sapphire Reserve® | Premium travel rewards, 3x points on travel/dining, $300 travel credit, Priority Pass lounge access, flexible Chase Ultimate Rewards points. |
| 6. | Capital One Venture X Rewards Credit Card | Affordable luxury travel, lower annual fee, unlimited lounge access, 10x miles on hotels and rental cars. |
| 7. | Citi® / AAdvantage® Executive World Elite Mastercard® | American Airlines perks, Admirals Club® access, priority boarding, and free checked bags. |
| 8. | Delta SkyMiles® Reserve American Express Card | Delta loyalists, Sky Club access, priority boarding, and Medallion Qualification Boosts for elite status |
| 9. | Hilton Honors Aspire Card from American Express | Luxury Hilton stays, Hilton Diamond status, free nights, and high Hilton points rewards. |
| 10. | American Express® Gold Card | Dining & grocery rewards, 4x points at restaurants and U.S. supermarkets, popular among foodies. |
| 11. | Marriott Bonvoy Brilliant® American Express® Card | Marriott hotel stays, offering Platinum Elite status, free nights, and high Marriott point earnings. |
Best Credit Cards for Online Marketplaces [March 2025]
1. American Express Centurion Card
The American Express Centurion Card, often known as the Black Card, is a charge card offered by American Express. It is designated for the company’s wealthiest customers who fulfill particular net worth, credit quality, and expenditure standards on its gateway card, the Platinum Card.
Ultimate Luxury, Personalized Concierge
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Excellent (Invite-Only)
- Intro APR – N/A
- Regular APR – N/A
- Annual Fee – $5,000
- International Transaction Fee – 0%
- Cash Advance Fee – Either $5 or 10% of the amount of each cash advance, whichever is greater.
- Balance Transfer APR – N/A
- Sign In Bonus – N/A
- Best For – Ultra-High Net Worth, Frequent Travelers
The most exclusive Amex card, the Centurion® Card, also known as the “Black Card,” is invitation-only and designed for ultra-high-net-worth individuals. It offers luxury travel perks, elite status with airlines and hotels, and a personal concierge.
With a reported $10,000 initiation fee and a $5,000 annual fee, it requires an excellent credit score and high annual spending. Perks include exclusive events, fine dining access, and a dedicated relationship manager.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No preset spending limits | 1 Membership Rewards point per dollar spent on all eligible purchases | Fine Dining Privileges: Access to exclusive dining experiences and priority reservations at renowned restaurants worldwide. |
| Elite Travel Status: Automatically achieves top-tier status with key travel partners such as Delta SkyMiles Platinum Medallion, Hilton Honors Diamond, and IHG Platinum Elite. | 1.5 points per dollar, which is up to 1 million additional points per calendar year on purchases over $5,000. | Luxury Travel Perks: Benefits include complimentary companion airline tickets on international flights with the purchase of a full-fare ticket, personal shoppers at select luxury retailers, and first-class flight upgrades. |
| Airport Lounge Access: Enjoy complimentary access to over 1,400 airport lounges worldwide, including Amex Centurion Lounges, Priority Pass lounges, and Delta Sky Clubs. | Membership Rewards® points can be used for travel, dining, shopping, and merchandise. | Equinox all-access gym membership: Up to $3,600 in credits per year, provided you live or travel near one of Equinox’s locations and value a luxury gym membership. |
| 24/7 Concierge Service: Personalized service is available 24 hours a day, seven days a week for bookings, travel arrangements, and unique experiences. | – | Unique card designs: Stand out even more from the crowd with unique card designs, including a wearable card designed by Prada. |
| Exclusive Event Access: Invitations to private events, priority access to premium tickets, and customized experiences across many domains. | – | – |
| Luxury Retail Credits: Saks Fifth Avenue offers up to $1,000 in yearly credits, split into quarterly credits of up to $250 each. | – | – |
| Points have no expiration date, and there’s no limit to the number of points you can earn. | – | – |
Pros & Cons:
Pros
- Prestigious status symbol
- 24/7 concierge service
- Airport lounge access
- Elite status with airlines, hotels, and rental car companies
- Retail credits.
Cons
- Requires an invitation
- High initiation fee
- High annual fee
- Modest rewards.
Expert Advice
The Amazon Business American Express Card is a wonderful option if you often purchase on Amazon but do not have an Amazon Prime membership. It may also be useful if you need more time to pay for your goods. In addition to its benefits, the Amazon Business American Express Card provides a variety of expenditure control options to make your life easier. Overall, it is a nice card that can earn respectable points and, if necessary, may provide your business with some flexibility.
2. J.P. Morgan Reserve Card
The J.P. Morgan Reserve Card is best suited for high-end travelers who appreciate premium perks, such as top-of-the-line hotel and airline benefits, concierge services, and VIP event invitations. It offers a Priority Pass lounge membership, comprehensive travel insurance, and high returns on travel and dining charges.
Luxury Travel, Lounge Access
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 22.49% – 29.49%
- Annual Fee – $550
- International Transaction Fee – N/A
- Cash Advance Fee – N/A
- Balance Transfer APR – 22.49% – 29.49%
- Sign In Bonus – N/A
- Best For – Ultra-High Net Worth, Frequent Travelers
Issued by Chase, the Prime Visa is designed for Amazon Prime members, offering 5% cashback on Amazon and Whole Foods purchases, 2% at gas stations, restaurants, and drugstores, and 1% on all other transactions. This card is best for frequent Amazon shoppers looking to maximize their savings.
The card has no annual fee but requires an active Amazon Prime membership ($139/year). Credit limits vary based on creditworthiness. A good credit score (670+) is recommended. Additional perks include travel insurance, extended warranty protection, and exclusive Prime Day discounts.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Priority Pass lounge access | 10X total points on hotel stays and car rentals purchased through Ultimate Rewards | Dedicated concierge team |
| Statement credit for TSA PreCheck/Global Entry | 10X Ultimate Rewards points on Lyft rides through March 2025 | Monthly DoorDash credits |
| Access to VIP events and experiences hosted by Chase | 5X total points on air travel purchased through Ultimate Rewards | Chase Ultimate Rewards transferrable to 11 hotel and airline partners |
| Redeem points for Sapphire Private Dining Series events, takeout, outdoor seating reservations, and more | 3X Ultimate Rewards points on travel and dining | No blackout dates or restrictions |
| Complimentary DashPass | 10x total points on Chase Dining purchases through Ultimate Rewards (This is powered by Tock Dining and is only in select markets) | Price Protection |
| $300 annual travel credit | 1X points on all other purchases | – |
| Purchase Protection | – | – |
| Extended Warranty Protection | – | – |
| Visa Infinite benefits | – | – |
Pros & Cons:
Pros
- Impressive-looking card with a unique finish
- Rewards on all purchases
- Statement credits
- Travel and purchase protections.
Cons
- High annual fee
- Difficult to obtain.
Expert Advice
The J.P. Morgan Reserve Card (previously the Chase Palladium) is a reliable credit card with a stylish look composed of brass and palladium that is sure to make an impression. If your purpose is to display a status symbol, the card may be worthwhile. This is an invitation-only card for clients with at least $10 million in assets managed by J.P. Morgan’s private bank. In terms of exclusivity, it is comparable to American Express’s Centurion® card. It does provide great features that warrant the $550 yearly charge ($75 for each extra user). Aside from status, the benefits are not unique.
3. Mastercard® Gold Card™
The Mastercard® Gold Card™ is crafted with 24K gold and is tailored for affluent customers with excellent credit. This luxury card offers a rewards program that grants a 2% value on airfare redemptions, with no blackout dates or seat restrictions, as well as cash-back options.
Luxury Travel, Concierge Access
- Issuer – Luxury Card
- Payment Gateway – MasterCard
- Credit Score – Excellent
- Intro APR – 0% for 15 billing cycles
- Regular APR – 20.24% – 28.24%
- Annual Fee – $995
- International Transaction Fee – 0%
- Cash Advance Fee – Either $5 or 10% of the amount, whichever is greater
- Balance Transfer APR – 20.99% – 29.99%
- Sign In Bonus – 50,000 points after spending $5,000 in first 3 months
- Best For – Ultra-High Net Worth, Frequent Travelers
The Mastercard® Gold Card™, issued by Luxury Card, is a 22g metal card offering premium travel rewards. It provides a 2% redemption value for cash back and airline travel, making it one of the most rewarding cards for high spenders.
With a $995 annual fee, it targets affluent users with excellent credit (750+). It offers airport lounge access, a 24/7 concierge, travel credits, and a referral program.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Luxury Travel | 1X points on all purchases | Up to $120 in automatic bill credit for Global Entry or TSA Precheck® application costs. |
| Concierge Access | – | Up to $200 in yearly air travel credit against flight-related expenditures such as airline tickets, baggage fees, upgrades, and more. |
| 24K Gold | – | The Luxury Card Travel program provides up to $500 in incentives and services at over 3,000 locations. |
| Invitation-only, exclusive VIP card | – | Travel protections include trip cancellation or interruption insurance, luggage delay insurance, travel accident insurance, and car rental collision waiver coverage. |
| 24/7 Luxury Card Concierge | – | – |
| $200 annual airline credit | – | – |
| Cellphone protection | – | – |
| Priority Pass Select airport lounge access. | – | – |
Pros & Cons:
Pros
- The card offers a wide range of exclusive travel benefits.
- The card offers Elite-level concierge service.
- There is a 2% redemption value for airfare and cash back.
Cons
- The cardholder only earns one point per dollar on all purchases and doesn’t have a sign-up bonus.
- The card charges a $995 Annual Fee ($295 for each Authorized User).
- The cardholder must spend almost $50,000 to offset the $995 annual fee.
Expert Advice
The Mastercard® Gold Card™ is a great option for those who spend enough to offset the annual fee, have excellent credit, and travel frequently. The annual fee for the Mastercard® Gold Card™ is $995, but in return, cardholders gain access to a wide range of travel and shopping benefits.
4. Mastercard® Black Card™
The Mastercard Black Card is part of the Mastercard Luxury Card trio, alongside the Mastercard Titanium Card™ and Mastercard® Gold Card™. And, while this premium travel credit card feels remarkable to hold — it weighs 22 grams and is made of proprietary black-PVD-coated metal – its annual charge is also considerable, at $495 per year (plus an extra $195 for each approved user).
Travel Rewards, Lounge Access
- Issuer – Luxury Card
- Payment Gateway – MasterCard
- Credit Score – Excellent
- Intro APR – 0% for the first 15 billing cycles within 45 days of account opening.
- Regular APR – 20.24% to 28.24% Variable APR
- Annual Fee – $495
- International Transaction Fee – 0%
- Cash Advance Fee – Either $5 or 5% of the amount of each transfer (whichever is greater)
- Balance Transfer APR – 20.99% – 29.99%
- Sign In Bonus – 50,000 points after spending $5,000 in first 3 months
- Best For – High Spenders, Frequent Travelers
Another high-end metal card from Luxury Card, the Mastercard® Black Card™ features a sleek design and offers a 2% redemption rate on travel and 1.5% on cash back. Benefits include a dedicated luxury concierge and VIP travel perks.
The annual fee is $495, requiring an excellent credit score (750+). Additional perks include airport lounge access, annual travel credits, and price protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases, and everything in between. | 2% Value for Airfare Redemptions | Travel Accident and Baggage Delay |
| Members receive up to $100 in annual air travel credit toward flight-related purchases, including airline tickets, baggage fees, upgrades, and more. | 1.5% Value for Cash Back Redemptions | Mastercard ID Theft Protection |
| $0 Fraud Liability Protection | – | 24/7 customer service assistance with Lost and Stolen Card reporting, Emergency Card Replacement, and Emergency Cash Advance. |
| VIP Airport Lounge Access with Priority Pass™ Select | – | MasterRental Coverage |
| Global Entry and TSA PreCheck® application credit | – | Enhanced Trip Cancellation and Trip Interruption Insurance |
| Luxury Card Travel® program | – | Travel Assistance Services |
| Mastercard® Special Offers | – | – |
Pros & Cons:
Pros
- Offers travel perks like airline credits, lounge access, and concierge services.
- Ideal intro APR for high-earning debt reducers.
- Access to elite experiences, including PGA TOUR® events and private dining.
Cons
- A lower rewards rate makes earning points slower than other travel cards.
- High annual fees may not suit everyday spenders.
- No intro APR on purchases—regular APR applies immediately.
Expert Advice
You’ll get the most out of this pricey card if you visit one or more of the 3,000 locations it features during the year and take advantage of the estimated $500 in enhancements that come with each stay. It can also be less expensive if you use the travel credits on the card.
The value of this card, however, comes from its special advantages and upscale rewards. You might want to look at alternative luxury or travel cards if you are unable to utilize these perks.
5. Chase Sapphire Reserve®
The Chase Sapphire Reserve® Card serves as a valuable asset for frequent travelers who seek to maximize their travel rewards. This credit card offers exciting rewards for travel and dining purchases. It provides an annual travel credit, which enhances the overall value of the card for its users.
Travel Rewards
- Issuer – Chase
- Payment Gateway – Visa
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 21.49% to 28.49% Variable
- Annual Fee – $550
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10 (whichever is greater)
- Balance Transfer APR – N/A
- Sign In Bonus – 60,000 points after spending $4,000 in the first 3 months
- Best For – Frequent Travelers, High Spenders
The Chase Sapphire Reserve® Card is a premium card for frequent travelers that offers 3x points on travel and dining. It provides complimentary airport lounge access and top-tier travel protection. Applicants need excellent credit and a strong income.
The $550 annual fee is justified by a $300 travel credit, a Priority Pass membership, and high-end rewards. Users get premium travel insurance, no foreign transaction fees, and flexible point transfers.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| $300 travel credit | 10X total points on Chase Dining purchases made through Chase Travel | Your Sapphire Reserve Visa Infinite card unlocks special car rental benefits. |
| Priority Pass Select membership with access to 1,600+ airport lounges worldwide. | 10X total points on hotel stays and rental cars through Chase Travel | Book through The EditSM for exclusive cardmember perks, such as daily breakfast for two, a $100 credit, and room upgrades (when available). |
| A free DashPass subscription for a minimum of 1 year when you activate it by December 31, 2027. | 10X total points on Lyft purchases (through March 2025) | Auto Rental Coverage |
| A complimentary Lyft Pink All Access membership that is good for 2 years if you activate by December 31, 2024 | 5X total points on airfare paid through Chase Travel (after first earning your $300 travel credit) | Trip Cancellation and Interruption Insurance |
| Global Entry or TSA PreCheck® or NEXUS Fee Credit | 3X points on general travel (after first earning your $300 travel credit) and restaurant purchases | Lost Luggage Reimbursement |
| Transfer your points to leading airline and hotel loyalty programs at 1:1 value. | 1X points on all other purchases | Roadside Assistance |
| Ultimate Rewards Points Do Not Expire | – | Chase Pay Over Time lets eligible cardholders split purchases into fixed monthly payments: After Purchase: Pay off $100+ purchases over 3-24 months with a fixed fee. At Checkout: Create a payment plan for Amazon orders of $50+ with fixed APR options. |
| 24/7 access to Customer Service Specialists | – | Apply for a card and use it the same day. |
| Baggage Delay Insurance | – | – |
| Purchase protection | – | – |
| Zero liability protection | – | – |
| Extended Warranty Protection | – | – |
| Chip-enabled for enhanced security | – | – |
Pros & Cons:
Pros
- $300 annual travel credit
- Access to Chase hotel and airline partners
- Unlimited 3 points per dollar spent in the broad categories of travel and dining
- 50% more value when you redeem your points for travel through Chase Travel
- Broad definitions for travel and dining bonus categories.
Cons
- Steep annual fee
- You must spend the $300 annual travel credit before earning 3 points per dollar on travel and dining
- No automatic hotel elite status.
Expert Advice
The Chase Sapphire Reserve® Card is a great travel card that offers premium travel perks, which is beneficial for people who travel more. It offers a 0% international transaction fee and an annual travel credit of $300. The Chase Sapphire Reserve® Card also allows travelers to earn various travel rewards points on travel purchases such as hotel bookings, car rentals, and many more, along with rewards on dining at restaurants and takeout.
6. Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards Credit Card offers a range of enticing travel rewards, which makes it an excellent choice for frequent travelers, budget-conscious adventurers, and high spenders alike. With features such as a $300 annual travel credit for Capital One bookings and the ability to earn multiple miles on hotel stays, car rentals, and other travel expenses, this card truly enhances your travel experience.
Travel Rewards, Lounge Access
- Issuer – Capital One
- Payment Gateway – Visa
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 19.24%-26.24% Variable
- Annual Fee – $395
- International Transaction Fee – $0
- Cash Advance Fee – Either $5 or 10% of the amount of each transaction, whichever is greater
- Balance Transfer APR – 19.24%-26.24% Variable
- Sign In Bonus – 75,000 miles after spending $4,000 in the first 3 months
- Best For – Frequent Travelers, Budget Travelers, High Spenders
The Capital One Venture X Rewards Credit Card is one of the most exquisite overall travel credit cards. It has a great introductory bonus, and cardholders may earn lots of miles on ordinary purchases, as well as a 10,000-mile anniversary incentive.
It has a $395 annual fee, but cardholders receive a $300 yearly credit against travel booked through Capital One Travel each year, as well as additional key features such as access to Priority Pass lounges and Capital One’s own developing network of airport lounges.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Preset Spending Limit | 10X miles on hotels and rental cars booked through Capital One Travel | Auto rental collision coverage |
| $300 Annual Capital One Travel Credit | 5X miles on flights and vacation rentals booked through Capital One Travel | Hertz President’s Circle® status |
| $120 Global Entry or TSA PreCheck® Credit | 2X miles on other purchases | – |
| $0 Fraud Liability for Unauthorized Charges | – | – |
Pros & Cons:
Pros
- Offers 10,000 bonus miles (equal to $100 towards travel) every year
- Flat-rate rewards offer consistent value for businesses
- Best sign-up bonuses for a business card.
Cons
- Limited ways to earn bonus miles
- No bonuses provided other than travel
- Charging high interest rates.
Expert Advice
The Capital One Venture X Rewards Credit Card program provides exceptional rewards and benefits at a reasonable cost. Despite the expensive annual price, features like lounge access and travel credits make it an excellent option for business travelers. However, the generous sign-up bonus necessitates large spending, and the card does not enable you to carry a balance. Still, if you pay in full each cycle, it’s a great option for accumulating credits and receiving premium travel benefits.
7. Citi® / AAdvantage® Executive World Elite Mastercard®
The Costco Anywhere Visa offers a few attractive features that set it apart from other of the finest credit cards for shopping. It earns 2% cash back on all Costco and Costco.com transactions.
Travel Rewards, Airline Miles
- Issuer – Citibank
- Payment Gateway – Visa
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 21.99% – 28.99%
- Annual Fee – $595
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 21.99% – 28.99%
- Sign In Bonus – 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Best For – Frequent Travelers, Business Executives
Issued by Citi, this premium travel card is designed for frequent American Airlines flyers. It offers Admirals Club® lounge access, free checked bags, priority boarding, and 4x AAdvantage® miles on eligible American Airlines purchases. Ideal for those who value luxury travel perks and an enhanced airport experience.
The card has an annual fee of $595 and requires an excellent credit score (750+). It offers Global Entry/TSA PreCheck credits, priority airport services, and a referral program for additional miles.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Complimentary Admirals Club® membership | 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. | Enhanced airport experience, including priority check-in, screening, and boarding when flying with American Airlines |
| Global Entry or TSA PreCheck® application fee credit | 1x AAdvantage® miles for every $1 spent on other purchases | Dedicated Concierge |
| First checked bag free | – | Travel protection |
| 25% savings on inflight purchases | – | – |
| Up to $120 Lyft credit | – | – |
| Up to $120 back on eligible Grubhub purchases | – | – |
| Up to $120 back on Eligible Prepaid Avis® and Budget Car Rentals | – | – |
Pros & Cons:
Pros
- Admirals Club membership is worth more than the annual fee
- Sign-up bonus covers at least one domestic round-trip flight.
- Free checked bag for you + up to 8 companions.
Cons
- Cashback is redeemable only once per year at a Costco store.
Expert Advice
American Airlines frequent flyers will discover several ways to fully utilize the Citi / AAdvantage Executive World Elite Mastercard. Still, if you are a casual traveler, you may want to explore a more general travel rewards card. The high annual cost may appear surprising at first, but it is readily justified by utilizing the card’s built-in features, such as Admirals Club membership.
8. Delta SkyMiles® Reserve American Express Card
My Lowe’s Rewards Credit Card provides excellent value when spending at Lowe’s, making it one of the best credit cards for home remodeling. The automatic discount might save you hundreds of dollars on a large job.
Luxury Travel, Airline Benefits
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 19.99%-28.99% Variable APR
- Annual Fee – $650
- International Transaction Fee – $0
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign In Bonus – 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first six months of card membership. (Ends on 2nd April 2025)
- Best For – Frequent Flyers, Business Travelers
The Delta SkyMiles® Reserve American Express Card is a top-tier airline travel card issued by American Express. It offers 3X miles on Delta purchases and 1X miles on all other eligible purchases. Its best feature is the complimentary access to Delta Sky Club®, which allows cardholders to relax before their flights or during connections.
The card has an annual fee of $650. It offers unique benefits like MQD Headstart and MQD Boost, which help cardholders get closer to Delta Medallion Status. The credit limit varies, and a good credit score is required. There is also a referral program that rewards cardholders for referring friends and family.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| MQD Boost and MQD Headstart | 3X miles per dollar on eligible Delta flights and Delta Vacations® | Send & Split® |
| Lounge access (Reserve card holders are entitled to 15 annual visits to the Delta Sky Club) | 1X miles on all other purchases | Cell Phone Protection |
| Four yearly one-time passes to the Delta Sky Club | – | Dispute Resolution |
| The Centurion Lounges’ accessibility | – | Year-End Summary |
| On a round-trip main cabin travel inside the United States and to Mexico, the Caribbean, or Central America, an annual companion certificate is available (taxes and fees apply). | – | Buy now and pay later with Plan It. |
| $240 Resy credit (up to $20 in statement credits per month on qualified purchases made at Resy restaurants in the United States with an enrolled card) | – | – |
| $200 Delta Stays credit (a statement credit of up to $200 annually on prepaid reservations made on delta.com using Delta Stays) | – | – |
| $120 in rideshare credit (up to $10 in monthly bill credits) for ridesharing transactions made in the US with specific providers | – | – |
| First checked bag free | – | – |
| Statement credit for either Global Entry or TSA PreCheck® (Up to $120 credit for Global Entry) | – | – |
| Purchase Protection | – | – |
| Extended Warranty | – | – |
Pros & Cons:
Pros
- Premium perks: Lounge access, 4 Sky Club guest passes, upgrade priority
- Annual companion certificate + free checked bag offset annual fee
- Strong travel protections: Trip cancellation, delay, and baggage insurance.
Cons
- High annual fee, especially without Medallion Status
- Lacks luxury card perks like airfare credits
- Limited bonus rewards outside Delta purchases.
Expert Advice
The Delta SkyMiles Reserve Card’s emphasis on premium travel advantages, such as lounge access and dependence on elite status awards, make it an attractive option for Delta Air Lines customers with large travel budgets and a preference for opulent lodgings. However, the specialized features and restricted benefits may make the yearly cost too expensive for many passengers, particularly those who frequently fly alone.
9. Hilton Honors Aspire Card from American Express
Hilton Honors Aspire Card offers a Diamond status, free night, and premium travel perks. Its premium benefits come with a hefty annual fee, which may not justify the cost for occasional travelers.
Luxury Hotel Rewards
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Excellent
- Intro APR – N/A
- Regular APR – 19.99% – 28.99%
- Annual Fee – $550
- International Transaction Fee – No Foreign Transaction Fee
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign-up Bonus – 150,000 Hilton Honors points after $6,000 spent in 6 months
- Best For – Frequent Travelers, Hilton Elite Members
The Hilton Honors Aspire Card is a luxury travel card issued by American Express. It offers 14X points on Hilton hotel purchases and 7X points on dining and groceries. Its best feature is the complimentary Hilton Honors Diamond Status, which provides top-tier perks like room upgrades and lounge access.
The card has an annual fee of $450. It offers a unique feature of a free weekend night award after spending $40,000 annually. The credit limit varies, and a good credit score is required. There is also a referral program that rewards cardholders for referring friends and family.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Luxury Hotel Rewards | 14x points on Hilton purchases | $400 Hilton Resort Credit |
| Get complimentary Hilton Honors™ Diamond status | 7x points at U.S. restaurants, supermarkets & gas stations | $200 Flight Credit |
| Premium Travel | 3x points For Each Dollar spent on other eligible purchases. | $199 CLEAR® Plus Credit |
| No Foreign Transaction Fees | 7X points on Select Travel, including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies | Cell Phone Protection |
| An Additional Card for anyone who makes purchases for you | – | $100 Property Credit |
| Lounge Access | – | Free Night Reward |
Pros & Cons:
Pros
- Cardholders get an Annual Free Night Reward from Hilton Honors in the first year of Card Membership.
- Cardholders can use the card to cover the cost of CLEAR Plus Membership and receive up to $199 in statement credits per calendar year.
- Trip Delay Insurance can help reimburse certain additional expenses purchased with your same Eligible Card.
Cons
- There’s no 0% introductory annual percentage rate on purchases or balance transfers.
- To earn the card’s welcome offer, you may need to spend an average of $1,000 per month on the card
- Rewards can only be redeemed at Hilton and its partners.
Expert Advice
The Hilton Honors Aspire Card is an excellent option for frequent travelers staying at Hilton properties, providing premium perks and expedited elite status. However, its annual fee may not be worthwhile for those who travel infrequently.
10. American Express® Gold Card
The American Express® Gold Card is known as one of the greatest travel rewards cards due to its extensive dining and travel benefits, which appeal to high spenders who can afford the $325 annual fee. It provides large recurring benefits for flight, restaurant, and U.S. supermarket purchases, as well as enough credits to cover its somewhat hefty annual fee.
Dining Rewards, Travel Rewards
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good/Excellent
- Intro APR – N/A
- Regular APR – 21.24%–29.24%
- Annual Fee – $325
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – N/A
- Sign In Bonus – 60,000 Membership Rewards points after $4,000 spent in 6 months
- Best For – Foodies, Frequent Travelers
Designed for frequent diners and travelers, this card rewards users with high points on restaurant and supermarket purchases. Eligibility requires a good to excellent credit score and a stable financial background.
The $325 annual fee is offset by perks like up to $120 dining credits and 4x points at restaurants. The card has no fixed spending limit and offers travel insurance and purchase protection.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| No Preset Spending Limit | 4X points on restaurant purchases worldwide (on up to $50,000 in purchases per calendar year, then 1X points) and U.S. supermarket purchases (on up to $25,000 in purchases per calendar year, then 1X points) | Travel precautions: Take advantage of a number of travel precautions, such as loss and damage insurance for rental cars and luggage insurance. |
| Dining Credits: When using the card at participating partners, such as Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys, you may get up to $10 in statement credits each month or up to $120 yearly. | 3X points on flights booked directly with airlines or via Amex Travel | The card provides elevated rewards for dining in, dining out, and grocery shopping. |
| Get $10 in Uber Cash per month (up to $120 a year) for Uber Eats orders or Uber rides in the United States with the Uber Cash Benefit. | 2X points on prepaid hotels and other eligible purchases via Amex Travel | – |
| The Hotel Collection Credit: Use AmexTravel.com to book a minimum two-night stay at properties in The Hotel Collection and receive up to $100 in credits for eligible charges. | 1X points on all other purchases | – |
| Resy Dining Credit: Earn up to $100 in yearly credits, split into two $50 semi-annual credits, for qualified Resy restaurant purchases made in the United States. | – | – |
| Dunkin’ Credit: When you apply for and use your Amex Gold Card, you can receive up to $7 in monthly bill credits (up to $84 yearly) for purchases made at Dunkin’ stores in the United States. | – | – |
| ShopRunner Membership: Take advantage of a free ShopRunner membership that offers free returns and two-day shipping from more than 100 online merchants. Enrollment is necessary. | – | – |
Pros & Cons:
Pros
- Great for dining and travel, with credits that justify the annual fee.
- Generous welcome offer with six months to meet spending requirements.
- No preset credit limit, adjusting based on spending and credit history.
Cons
- The $325 annual fee may not be worth it if credits and transfer partners go unused.
- Lacks lounge access or general travel credits.
- Best for travel redemptions, making it less ideal for infrequent travelers.
Expert Advice
The American Express® Gold Card was created especially for people who truly appreciate the benefits of their membership rewards. With this card, you may earn 4X Membership Rewards® points at restaurants (up to $50,000 in expenditures per year, then 1X) and supermarkets in the United States (up to $25,000 in purchases per year, then 1X). Get 3X Membership Rewards® points when you purchase tickets on AmexTravel.com or directly with airlines. When you book prepaid hotels and other qualified transactions on AmexTravel.com, you may earn twice as many Membership Rewards® points. Get 1X Membership Rewards® points for every additional purchase that qualifies.
11. Marriott Bonvoy Brilliant® American Express® Card
Chase Marriott Bonvoy Boundless® Card offers Automatic Silver Elite status + a free night to its cardholders. However, it lacks some of the premium benefits of higher-tier Marriott cards, making it better suited for casual travelers.
Hotel Rewards and Travel Benefits
- Issuer – American Express
- Payment Gateway – AMEX
- Credit Score – Good-Excellent
- Intro APR – N/A
- Regular APR – 21.24%–28.24%
- Annual Fee – $650
- International Transaction Fee – 0%
- Cash Advance Fee – 5% or $10
- Balance Transfer APR – 21.24%–28.24%
- Sign-up Bonus – 100,000 points after $3,000 spent in 3 months
- Best For – Frequent Travelers, Marriott Loyalists
Chase issues the Chase Marriott Bonvoy Boundless® Card, which is ideal for frequent travelers. Its best feature is earning 6X the points at Marriott Bonvoy hotels. It benefits users with free night awards annually and elite status opportunities, making it perfect for hotel stays.
The card has a $95 annual fee. Its unique feature is a free night award each year. The credit limit varies based on creditworthiness. A good to excellent credit score (670+) is required. No referral program, but it offers travel and purchase protections.
| Key Features | Reward Rate | Other Information |
|---|---|---|
| Hotel Rewards | 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy | Earn Unlimited Marriott Bonvoy® points and get free stays faster. |
| Rewards points don’t expire as long as you make purchases on your credit card every 24 months. | Earn up to 10X points from Marriott Bonvoy® for being a member. | Lost Luggage Reimbursement |
| Travel Benefits | Earn up to 1X point from Marriott with Silver Elite Status, | Visa Concierge |
| Enjoy Silver Elite Status | 2X points for every $1 you spend on all other purchases | Trip Delay Reimbursement |
| Annual Free Night Award | – | – |
| No foreign transaction fees | – | – |
| Referral rewards | – | – |
Pros & Cons:
Pros
- Offer Lost Luggage Reimbursement up to $3,000 per covered traveler.
- The card offers Purchase Protection, eligible new purchases for 120 days
- You also get complimentary Visa Signature® Concierge Service 24*7.
Cons
- The free night certificate might not be worth it if you don’t stay at Marriott properties enough.
- The annual fee might be more than the potential savings from the card’s benefits.
Expert Advice
The Chase Marriott Bonvoy Boundless® Card provides excellent rewards for Marriott stays and offers a clear path to earning free nights. With a lower annual fee compared to premium cards, it is an ideal option for those looking for value without giving up elite benefits.
Table of Comparison
| Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate | Regular APR | Balance Transfer | Sign in Bonus | Decision Criteria |
|---|---|---|---|---|---|---|---|---|---|
| American Express Centurion Card | American Express | Ultra-exclusive luxury benefits | Invitation only | $5,000 | N/A | N/A | N/A | N/A | Ideal for individuals seeking unparalleled luxury and exclusivity, with personalized concierge services and elite travel benefits. |
| J.P. Morgan Reserve Card | Visa | Exclusive benefits for high-net-worth clients | Invitation only | $595 | N/A | 22.49% – 29.49% | 22.49% – 29.49% | N/A | Suitable for Chase Private Bank clients desiring premium travel perks and services. |
| Mastercard® Gold Card™ | Mastercard | Luxury travelers seeking premium rewards | Excellent | $995 | 0% for 15 billing cycles | 14.99% variable | 14.99% variable | 50,000 points after spending $5,000 in first 3 months | Best for those seeking a high-end card with luxury travel benefits and rewards. |
| Mastercard® Black Card™ | Mastercard | High Spenders, Frequent Travelers | Excellent | $495 | 0% for the first 15 billing cycles within 45 days of account opening | 20.24% – 28.24% Variable | 20.24% – 28.24% Variable | 50,000 points after spending $5,000 in first 3 months | Ideal for individuals seeking a metal card with premium perks and a luxurious feel. |
| Chase Sapphire Reserve® | Visa | Frequent TravelersHigh Spenders | Excellent | $550 | N/A | 21.49% to 28.49% Variable | N/A | 60,000 points after spending $4,000 in the first 3 months | This card is great for frequent travelers and diners who want high rewards rates, comprehensive travel protection, and flexible point redemption options. |
| Capital One Venture X Rewards Credit Card | Visa | Frequent TravelersBudget TravelersHigh Spenders | Excellent | $395 | N/A | 19.24%-26.24% Variable | 19.24%-26.24% Variable | 75,000 miles after spending $4,000 in the first 3 months | Suitable for travelers looking for flexible rewards, annual travel credits, and access to airport lounges at a relatively moderate annual fee. |
| Citi® / AAdvantage® Executive World Elite Mastercard® | Visa | Frequent TravelersBusiness Executives | Good-Excellent | $595 | N/A | 21.99% – 28.99% | 21.99% – 28.99% | 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening. | Best for frequent American Airlines travelers seeking Admirals Club membership and enhanced mileage earning on AA purchases. |
| Delta SkyMiles® Reserve American Express Card | AMEX | Frequent Flyers, Business Travelers | Good-Excellent | $650 | N/A | 19.99%-28.99% Variable APR | N/A | 100,000 bonus miles after you spend $6,000 in eligible purchases on your new card in your first six months of card membership. (Ends on 2nd April 2025) | Ideal for loyal Delta flyers seeking Sky Club access, companion certificates, and opportunities to earn Medallion Qualification Miles (MQMs). |
| Hilton Honors Aspire Card from American Express | AMEX | Frequent TravelersHilton Elite Members | Excellent | $550 | N/A | 19.99% – 28.99% | N/A | 150,000 Hilton Honors points after $6,000 spent in 6 months | Perfect for frequent Hilton guests desiring Diamond status, annual free nights, and significant points on Hilton purchases. |
| American Express® Gold Card | AMEX | FoodiesFrequent Travelers | Good/Excellent | $325 | N/A | 21.24%–29.24% | N/A | 60,000 Membership Rewards points after $4,000 spent in 6 months | Excellent for foodies and grocery shoppers seeking high rewards rates on dining and supermarket purchases, with flexible point redemption options. |
| Marriott Bonvoy Brilliant® American Express® Card | AMEX | Frequent TravelersMarriott Loyalists | Excellent | $650 | N/A | 20.24% – 29.24% variable | 21.24%–28.24% | 100,000 points after $3,000 spent in 3 months | Ideal for frequent Marriott guests seeking Platinum Elite status, annual free nights, and significant points on Marriott purchases. |
Methodology
- When choosing a luxury and lifestyle metal credit card, look for characteristics like premium travel privileges, high-end reward schemes, and unique lifestyle advantages. These cards are aimed at people who want premium experiences, first-rate customer service, and elite status in travel and hospitality.
- For example, the American Express Centurion Card and the J.P. Morgan Reserve Card provide unrivaled exclusivity, including concierge services, premium hotel and airline affiliations, and bespoke travel experiences. The Mastercard® Gold Card™ and Mastercard® Black Card™ provide exclusive travel privileges such as premium gifts and access to airport lounges.
- The Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Cards are notable for their great travel rewards and statement credits, making them perfect for regular travelers seeking value beyond luxury. Similarly, the Citi® / AAdvantage® Executive World Elite Mastercard® and Delta SkyMiles® Reserve American Express Card cater to airline loyalists by providing complimentary lounge access and priority boarding.
- The Hilton Honors Aspire Card from American Express and the Marriott Bonvoy Brilliant® American Express® Card provide significant rewards on hotel stays, free night vouchers, and elite status advantages. Meanwhile, the American Express® Gold Card combines elegance with daily value, providing generous rewards for dining and travel.
Choosing Metal Credit Cards for Luxury & Lifestyle
Luxury metal credit cards provide special privileges, premium rewards, and high-end travel features designed specifically for affluent cardholders. Whether you want exclusive travel experiences, luxury hotel perks, or exceptional customer service, choosing the ideal metal credit card is determined by your lifestyle and spending patterns.
Exclusive Travel Benefits
Many premium metal cards include free airport lounge access, exclusive hotel status, and yearly travel credit. These benefits make flying more convenient and lucrative, particularly for regular passengers.
If you often travel or dine at high-end restaurants, using a card that offers more points in these areas might be advantageous. For example, the Chase Sapphire Reserve® delivers 3X points on dining and travel, but the American Express® Gold Card gets high earnings at restaurants globally.
Luxury Hotel and Airline Perks
Some metal credit cards include complimentary nights, elite hotel status, and airline-specific benefits. The Hilton Honors Aspire Card from American Express provides immediate Hilton Diamond status and complimentary weekend night benefits, making it an excellent choice for regular Hilton visitors.
Personalized Concierge Services
High-end metal cards sometimes offer round-the-clock concierge services to help with bookings, event access, and unique experiences. This feature increases convenience and provides access to premium services.
Annual Fees and Value
While many premium metal cards have hefty annual fees, the advantages might offset the cost if used wisely. Cards like the Marriott Bonvoy Brilliant® American Express® Card justify their costs by providing a free-night reward each year, making them appealing to regular travelers.
Why do you need a Metal Credit Card for Luxury and Lifestyle?
If you want a credit card that does more than simply sit in your wallet, a metal credit card may be a good option. These premium cards are more than simply a sleek, hefty look; they have features that make life easier and more enjoyable.
Here’s why they should be considered:
Travel Like a VIP
Metal credit cards occasionally come with premium travel privileges such as free airport lounge access, priority boarding, and hotel elite status. If you fly frequently, a card like the Chase Sapphire Reserve® or American Express Centurion Card can enhance your travel experience in ways that a standard plastic card cannot.
Luxury Experiences and Concierge Services
Have you ever required assistance reserving a last-minute table at a prestigious restaurant or gaining VIP event access? Many metal cards include 24-hour concierge services to do these tasks for you. The J.P. Morgan Reserve Card, for example, allows cardholders to attend luxury events and customize experiences.
Rewards that Fit a High-End Lifestyle
These cards are more than simply about prestige; they also provide rewards. Whether it’s greater cashback on eating, more points on vacation, or unique hotel advantages, metal credit cards help you get more out of your ordinary spending. The American Express® Gold Card, for example, offers additional benefits for dining and grocery shopping, making it ideal for foodies who appreciate gourmet dining.
Extra Protection and Peace of Mind
Luxury metal cards frequently provide robust purchase protection, extended warranties, and travel insurance. If you’re purchasing pricey devices or luxury things or planning a high-end vacation, these perks can help safeguard your investment.
The Look and Feel of Exclusivity
Let’s be honest: the weight and feel of a metal card are pleasant. They’re also stylish, long-lasting, and make a statement when used at a formal meal. While this isn’t the main reason to acquire one, it’s an attractive bonus!
Do Credit Card Companies offer metal cards for Luxury and Lifestyle?
Yes, numerous credit card providers provide metal cards created exclusively for luxury and lifestyle perks. These premium credit cards provide more than just a sleek, hefty look; they also include high-end bonuses suited for regular travelers, fine dining fans, and those seeking unique experiences.
Most metal credit cards are part of a bank’s elite or high-tier products, which means they frequently demand exceptional credit, a large spending limit, or even an invitation to apply. For example, the American Express Centurion Card (also known as the “Black Card”) is one of the rarest metal cards, available exclusively by invitation to high-net-worth people. Similarly, the J.P. Morgan Reserve Card is exclusively available to select Chase Private Bank clients.
How Do Metal Credit Cards for Luxury and Lifestyle Help?
Metal credit cards intended for luxury and lifestyle provide more than just an exquisite appearance; they are filled with premium advantages that improve travel, dining, and everyday experiences. These cards provide special benefits like airport lounge access, priority boarding, elite hotel status, and luxury concierge services, making them suitable for regular travelers and those seeking high-end experiences. The Chase Sapphire Reserve® card provides benefits such as a $300 yearly travel credit, Priority Pass™ lounge access, and increased rewards for travel and dining, helping cardholders maximize their spending.
Beyond travel, metal credit cards provide stronger rewards schemes that are consistent with a premium lifestyle. Many of them provide more cashback or points for fancy dining, entertainment, and high-end retail transactions, allowing users to maximize their spendings.
Advantages of Luxury & Lifestyle Metal Credit Cards
| Advantages | Description |
|---|---|
| Premium Travel Perks | Enjoy perks like airport lounge access, priority boarding, TSA PreCheck/Global Entry credits, and travel statement credits to help you plan your travels. |
| Luxury Hotel Benefits | Many metal cards provide exclusive hotel status, complimentary hotel stays, and room upgrades at upscale locations. Examples are the Hilton Honors Aspire Card and the Marriott Bonvoy Brilliant® Card. |
| Exclusive Concierge Services | Get 24/7 concierge help with bookings, event tickets, and personalized experiences. The J.P. Morgan Reserve Card and the American Express Centurion Card provide exclusive concierge services. |
| High Rewards on Travel & Dining | Earn additional points or money for travel, fine dining, and luxury experiences. The Chase Sapphire Reserve® provides 3X points for travel and dining. |
| Strong Purchase Protection | Metal cards frequently come with extended warranties, purchase security, and fraud protection, ensuring the safety of high-value purchases. |
| VIP Event Access | Gain access to exclusive events, luxurious experiences, and preferential seating at concerts, restaurants, and sporting events. Some premium American Express and Mastercard cards provide these benefits. |
| Durable & Stylish Design | The metal composition provides these cards a sleek, premium feel that leaves a lasting impact when used. |
| Luxury Airline Benefits | Travel-focused metal cards, like the Delta SkyMiles® Reserve American Express Card, offer privileges such as complimentary flight upgrades, free checked luggage, and access to airline lounges. |
| Comprehensive Travel Insurance | Get protection against trip delays, lost luggage, rental vehicle insurance, and emergency medical support when traveling. |
| Prestige & Status Symbol | Having a high-end metal credit card frequently represents financial stability and grants access to special banking benefits. |
Frequently Asked Questions
How do metal credit cards differ from normal credit cards?
Metal credit cards are geared for high-end consumers and frequently include privileges like airport lounge access, concierge services, luxury travel incentives, and more robust rewards schemes. Unlike traditional plastic cards, they are composed of stainless steel, titanium, or other hard materials, giving them a sleek and premium appearance.
Are metal credit cards reserved for those with high incomes?
Not necessarily. While some luxury metal cards, such as the American Express Centurion Card, are invitation-only and require significant spending, others, such as the Chase Sapphire Reserve® and Capital One Venture X Rewards Credit Card, are open to those with good to excellent credit who are willing to pay an annual fee for premium benefits.
Can metal credit cards be used for everyday purchases?
Absolutely! While they are intended for luxury perks and travel rewards, metal credit cards may also be used for everyday expenditures, with many offering cashback or points on groceries, gas, and online shopping. The trick is to find one that fits your lifestyle and spending patterns.
Do metal credit cards charge higher yearly fees?
Yes, many luxury metal credit cards charge higher annual fees because of the premium benefits they provide. For example, the Chase Sapphire Reserve® has an annual charge of $550, but it includes travel credits, Priority Pass lounge access, and significant incentives that can help offset the cost.