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Compare elite credit cards

By  |  Published: August 21, 2016

Elite cards cost a lot each year, but if the benefits are good enough, they can be worth it. Compare the cards in the table below, and for more information, read “Are elite credit cards worth it?

COMPARE ELITE CREDIT CARDS
American Express Delta Reserve

Annual fee: $450

Rewards
  • 1 Delta frequent flier mile per $1
  • 2x miles on Delta purchases
Current sign-up offer
  • 10,000 Delta miles (which count toward elite status) after first purchase.
Card features
  • Access to Delta Air Lines club for cardholder; guests pay discounted rate for day pass ($29).
  • One free checked bag for cardholder and up to nine travelers on same reservation.
  • Priority boarding on Delta flights for cardholder and up to eight travelers on same reservation.
  • 20 percent off in-flight purchases.
  • Annual companion certificate (with restrictions).
American Express Platinum

Annual fee: $450

Rewards
  • 1 Membership Reward point per $1.
  • 2x points for using card on American Express Travel website.
  • Membership Rewards transfer to 17 airlines and three hotel chains, including Delta, British Airways, JetBlue and Virgin America.
Current sign-up offer
  • 40,000 points after spending $3,000 in first three months.
Card features
  • $200 annual airline fee credit.
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Hilton HHonors and Starwood Preferred Guest Gold status.
  • Access to airport lounges (American Express Centurion lounges, Delta Sky Clubs, Priority Pass independent lounges).
American Express Platinum - Mercedes-Benz

Annual fee: $475

Rewards
  • 1 American Express Membership Rewards point per $1.
  • 5x points on Mercedes-Benz purchases.
Current sign-up offer
  • 50,000 American Express points after spending $3,000 in three months.
Card features
  • $1,000 certificate toward the purchase or lease of a Mercedes-Benz after spending $5,000 in a year.
  • Charge waived for up to 2,000 excess miles at the end of a Mercedes-Benz lease.
  • $100 certificate toward Mercedes-Benz accessories (not parts or service) after first purchase; additional $100 certificates issued annually.
  • Access to airport lounges (American Express Centurion lounges, Delta Sky Clubs, Priority Pass independent lounges).
Chase Ritz-Carlton Rewards

Annual fee: $395

Rewards
  • 1 Ritz-Carlton Reward point per $1.
  • 2x points on restaurants, airline tickets, car rentals.
  • 5x points at Ritz-Carlton and Marriott hotels.
  • 10 percent points bonus annually.
Current sign-up offer
  • 2 free nights at a Ritz-Carlton (Tier 1-4) after spending $4,000 in three months.
Card features
  • $100 hotel credit on paid stay of two nights or more.
  • $100 airfare credit on multi-passenger plane tickets bought through online portal.
  • Ritz-Carlton Gold Elite status.
  • $300 annual travel credit (covers Global Entry and airline fees and expenses, but not tickets).
  • Access to Lounge Club independent airport lounges.
  • Three annual upgrades to Ritz-Carlton Club Level.
Chase Sapphire Reserve

Annual fee: $450

Rewards
  • 1 Chase Ultimate Rewards point per $1.
  • 3x points on travel and dining.
  • Chase Ultimate Rewards points transfer to many major airline and hotel chains, including United, Southwest and British Airways.
Current sign-up offer
  • 100,000 Chase points after spending $4,000 in three months.
Card
  • $300 annual travel credit (plane tickets, hotels, other travel expenses).
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Access to Priority Pass independent airport lounges.
Chase United MileagePlus Club Card

Annual fee: $450

Rewards
  • 1.5 United miles per $1.
  • 2 miles per $1 on United purchases.
Current sign-up offer
  • None listed.
Card features
  • Access to United Airlines clubs for cardholder and family, or up to two nonrelated guests.
  • $100 statement credit after first purchase.
  • Two free checked bags on United flights for cardholder and traveling companion.
  • Priority check-in, airport screening and boarding on United flights.
  • Hyatt Gold Passport Platinum status.
Citi AAdvantage Executive World Elite MasterCard

Annual fee: $450

Rewards
  • 1 American AAdvantage mile per $1.
  • 2x miles on American Airlines purchases.
Current sign-up offer
  • 60,000 miles after spending $5,000 in three months.
Card features
  • Access to American airport clubs, for cardholder and family members or up to two nonrelated guests.
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Free checked bag on American, for cardholder and up to eight travelers on same reservation.
  • Priority check-in, airport screening and boarding on American flights.
  • 25 percent off in-flight purchases on American.
Citi Prestige

Annual fee: $450

Rewards
  • 1 ThankYou point per $1spent.
  • 2x points on dining and entertainment.
  • 3x points on air travel and hotels.
  • ThankYou points can be redeemed for airline tickets and transferred to partners.
Current sign-up offer
  • 40,000 points after spending $4,000 in three months.
Card features
  • $250 annual airline travel credit (includes plane tickets).
  • Fee credit for Global Entry ($100 value).
  • Free fourth night on hotel stays.
  • Access to American Airlines airport clubs (only for cards issued before Sept. 1, 2016; though July 23, 2017 only).
  • Access to Priority Pass independent airport lounges.
MasterCard Black Card (Barclays)

Annual fee: $495

Rewards
  • 1 point per $1.
  • Points can be redeemed for statement credits at a rate of 1.5 percentd back (20,000 points=$300 credit), or for airfare booked through online portal at rate of 2 percent back (20,000 points = $400 in airfare).
Current sign-up offer
  • None listed.
Card features
  • $100 annual airline credit.
  • Fee credit for Global Entry ($100 value).
  • Access to Lounge Club independent airport lounges.
  • Sturdy card design, made of stainless steel and carbon.
Source: CreditCards.com research, August 2016. Check with card issuer; offers change frequently.
COMPARE ELITE CREDIT CARD OFFERS
American Express Delta Reserve
Annual fee: $450

Card features:

  • Access to Delta Air Lines club for cardholder; guests pay discounted rate for day pass ($29).
  • One free checked bag for cardholder and up to nine travelers on same reservation.
  • Priority boarding on Delta flights for cardholder and up to eight travelers on same reservation.
  • 20 percent off in-flight purchases.
  • Annual companion certificate (with restrictions).

Rewards:

  • 1 Delta frequent flier mile per $1
  • 2x miles on Delta purchases

Current sign-up offer:

  • 10,000 Delta miles (which count toward elite status) after first purchase.
Back to top
American Express Platinum
Annual fee: $450

Card features:

  • $200 annual airline fee credit.
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Hilton HHonors and Starwood Preferred Guest Gold status.
  • Access to airport lounges (American Express Centurion lounges, Delta Sky Clubs, Priority Pass independent lounges).

Rewards:

  • 1 Membership Reward point per $1.
  • 2x points for using card on American Express Travel website.
  • Membership Rewards transfer to 17 airlines and three hotel chains, including Delta, British Airways, JetBlue and Virgin America.

Current sign-up offer:

  • 40,000 points after spending $3,000 in first three months.
Back to top
American Express Platinum – Mercedes-Benz
Annual fee: $475

Card features:

  • $1,000 certificate toward the purchase or lease of a Mercedes-Benz after spending $5,000 in a year
  • Charge waived for up to 2,000 excess miles at the end of a Mercedes-Benz lease
  • $100 certificate toward Mercedes-Benz accessories (not parts or service) after first purchase; additional $100 certificates issued annually.
  • Access to airport lounges (American Express Centurion lounges, Delta Sky Clubs, Priority Pass independent lounges).

Rewards:

  • 1 American Express Membership Rewards point per $1.
  • 5x points on Mercedes-Benz purchases.

Current sign-up offer:

  • 50,000 American Express points after spending $3,000 in three months.
Back to top
Chase Ritz-Carlton Rewards
Annual fee: $395

Card features:

  • $100 hotel credit on paid stay of two nights or more.
  • $100 airfare credit on multi-passenger plane tickets bought through online portal.
  • Ritz-Carlton Gold Elite status.
  • $300 annual travel credit (covers Global Entry and airline fees and expenses, but not tickets).
  • Access to Lounge Club independent airport lounges.
  • Three annual upgrades to Ritz-Carlton Club Level.

Rewards:

  • 1 Ritz-Carlton Reward point per $1.
  • 2x points on restaurants, airline tickets, car rentals.
  • 5x points at Ritz-Carlton and Marriott hotels.
  • 10 percent points bonus annually.

Current sign-up offer:

  • 2 free nights at a Ritz-Carlton (Tier 1-4) after spending $4,000 in three months.
Back to top
Chase Sapphire Reserve
Annual fee: $450

Card features:

  • $300 annual travel credit (plane tickets, hotels, other travel expenses).
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Access to Priority Pass independent airport lounges.

Rewards:

  • 1 Chase Ultimate Rewards point per $1
  • 3x points on travel and dining
  • Chase Ultimate Rewards points transfer to many major airline and hotel chains, including United, Southwest and British Airways.

Current sign-up offer:

  • 100,000 Chase points after spending $4,000 in three months.
Back to top
Chase United MileagePlus Club
Annual fee: $450

Card features:

  • Access to United Airlines clubs for cardholder and family, or up to two nonrelated guests.
  • $100 statement credit after first purchase.
  • Two free checked bags on United flights for cardholder and traveling companion.
  • Priority check-in, airport screening and boarding on United flights.
  • Hyatt Gold Passport Platinum status.

Rewards:

  • 1.5 United miles per $1.
  • 2 miles per $1 on United purchases.

Current sign-up offer:

  • None currently listed.
Back to top
Citi AAdvantage Executive World Elite MastserCard
Annual fee: $450

Card features:

  • Access to American airport clubs, for cardholder and family members or up to two nonrelated guests.
  • Fee credit for Global Entry/TSA PreCheck (value up to $100).
  • Free checked bag on American, for cardholder and up to eight travelers on same reservation.
  • Priority check-in, airport screening and boarding on American flights.
  • 25 percent off in-flight purchases on American.

Rewards:

  • 1 American AAdvantage mile per $1 spent.
  • 2x miles on American Airlines purchases.

Current sign-up offer:

  • 60,000 miles after spending $5,000 in three months.
Back to top
Citi Prestige
Annual fee: $450

Card features:

  • $250 annual airline travel credit (includes plane tickets).
  • Fee credit for Global Entry ($100 value).
  • Free fourth night on hotel stays.
  • Access to American Airlines airport clubs (only for cards issued before Sept. 1, 2016; though July 23, 2017 only).
  • Access to Priority Pass independent airport lounges.

Rewards:

  • 1 ThankYou point per $1 spent.
  • 2x points on dining and entertainment.
  • 3x points on air travel and hotels.
  • ThankYou points can be redeemed for airline tickets and transferred to partners.

Current sign-up offer:

  • 40,000 points after spending $4,000 in three months.
Back to top
MasterCard Black Card (Barclays)
Annual fee: $450

Card features:

  • $100 annual airline credit.
  • Fee credit for Global Entry ($100 value).
  • Access to Lounge Club independent airport lounges.
  • Sturdy card design, made of stainless steel and carbon.

Rewards:

  • 1 point per $1spent.
  • Points can be redeemed for statement credits at a rate of 1.5 percent back (20,000 points=$300 credit), or for airfare booked through online portal at rate of 2 percent back (20,000 points = $400 in airfare).

Current sign-up offers

  • None currently listed.
Source: CreditCards.com research, August 2016. Check with issuer; card offers frequently change.

See related: Perks multiply in latest generation of credit cards

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Updated: 07-26-2017

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