Credit Cards

The 10 Best Premium and Luxury Credit Cards [2022]

· For the bulk of travelers, a general travel credit card like the Amex Platinum card, CapOne Venture X card, or Chase Sapphire Reserve card is 
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Anyone who travels knows that having a premium travel rewards credit card can make a huge difference in your travel experience. These cards often include perks such as lounge access, rental car status, fee reimbursements, and more — all of which can save you money and frustration, and generally give you a more relaxed experience at the airport.

There are, however, a large number of these credit cards on the market. Each of them has varying benefits, annual fees, and other discrepancies, so it can be hard for you, the frequent traveler, to pick the card that’s really right for you.

But don’t worry — at Upgraded Points, we stay on top of the premium credit card world, so we can inform you about these cards and their respective benefits. With that in mind, we’ll take a look at some of the best premium credit cards on the market in this article, helping you find out which is best for your wallet.

We’ll start the article with a quick comparison of all the cards on this list and will then review each of these cards’ benefits, detailing personal cards first and then business cards.

If that sounds good to you, let’s get started!

What To Look For In a Premium and Luxury Credit Card

American Express Centurion Lounge IAH Bar
General premium travel cards earn valuable rewards points and will get you into a handful of airline lounges. Image Credit: American Express

All of the major credit card issuers, like American Express, Chase, and Capital One, each offer their own premium credit cards with various benefits such as lounge access, elevated points earning, and additional benefits and protections.

These benefits aren’t airline-specific in most cases, so you won’t necessarily need to fly on a specific airline all the time to get maximum value from your card. In fact, out of the 10 credit card recommendations in this guide, only 3 of them are co-branded with an airline.

With that in mind, you should look at whether you value points earning or travel benefits more when picking a card from this list.

Those who want access to more lounges and travel perks like hotel status may value a card like The Platinum Card® from American Express, while those that value points earning should compare the other cards and pick the card that has bonus categories that best match your everyday spend habits.

We’ll start with our favorite personal card picks; after that, we’ll check out the best options for business owners!

The 5 Best Personal Premium and Luxury Cards

Card Summary

Card Welcome Bonus and Annual Fee Premium and Luxury Benefits The Platinum Card® from American Express

  • Earn 100,000 points after you spend $6,000 on purchases on your new Card in your first 6 months. 36
  • Annual fee of $695 (rates and fees)
  • 5x points on airfare booked directly with the airline or through Amex Travel (up to $500,000 per calendar year)
  • 5x points on prepaid hotels booked through Amex Travel
  • Incredible airport lounge access
  • Complimentary hotel elite status and car rental privileges
  • Top-notch travel insurance
  • Cell phone protection
  • No preset spending limit

Capital One Venture X Rewards Credit Card

  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395
  • 10x miles on hotels and car rentals booked through Capital One Travel
  • 10x miles on Turo bookings through May 16, 2023
  • 5x miles on flights booked through Capital One Travel
  • 2x miles on all other purchases
  • Access to Capital One Lounges, Plaza Premium Lounges, and Priority Pass lounges
  • Up to $300 Capital One Travel credit
  • Anniversary bonus of 10,000 miles
  • Complimentary Hertz President’s Circle status
  • Top-notch travel insurance
  • Cell phone protection

Chase Sapphire Reserve®

  • Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • 10x points on hotels, car rentals, and dining booked through Chase Ultimate Rewards
  • 10x points on Lyft purchases through March 31, 2025
  • 5x points on airfare booked through Chase Ultimate Rewards
  • 3x points on all other travel
  • 3x points on dining
  • Up to $300 travel credit
  • Priority Pass Select membership
  • 50% redemption bonus for travel booked through Chase Ultimate Rewards
  • Top-notch travel insurance

American Express® Gold Card

  • Earn 60,000 points when you spend $4,000 on purchases in the first 6 months.
  • Annual fee of $250 (rates and fees)
  • 4x points on restaurants worldwide, including takeout and delivery in the U.S.
  • 4x points at U.S. supermarkets (up to $25,000 per calendar year)
  • 3x points on flights booked directly with the airline or at Amex Travel
  • Up to $120 in annual dining credits
  • Up to $120 in Uber Cash annually
  • Access to The Hotel Collection
  • No preset spending limit

Delta SkyMiles® Reserve American Express Card

  • Earn 50,000 miles and 10,000 MQMs after you spend $3,000 on purchases in the first 3 months.
  • Annual fee of $550 (rates and fees)
  • 3x SkyMiles on Delta purchases
  • Complimentary access to Delta Sky Clubs when traveling on a Delta flight
  • Complimentary access to Centurion Lounges and Escape Lounges — The Centurion Studio Partner when you book a Delta flight with your card
  • Get closer to Medallion status with Status Boost and a Medallion Qualification Dollar (MQD) Waiver
  • Anniversary companion certificate
  • Free checked bag and priority boarding

1. The Platinum Card® from American Express

Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 150,000 points with the Amex Platinum card!

The Amex Platinum card is one of the most well-known travel cards on the market. It’s long been seen as a staple of luxury in the travel space due to its huge list of benefits.

Earn 5x Membership Rewards points per dollar spent on airfare booked through Amex Travel or directly through the airline (up to $500,000 per calendar year), 5x Membership Rewards points per dollar spent on prepaid hotels booked through Amex Travel, and 1x Membership Rewards point per dollar spent on all other purchases.

Most travelers get an Amex Platinum card to take advantage of the card’s huge network of lounges. This card offers access to American Express’ in-house Centurion Lounges (U.S. and international locations), Priority Pass upon enrollment, Escape Lounges – The Centurion Studio Partner, Plaza Premium Lounges, select Virgin Clubhouses, select Lufthansa lounges when flying with Lufthansa Group the same day, and Delta Sky Clubs when flying with Delta the same day.

Further, the card offers up to $200 in airline incidental fee credit that can be used to cover incidental fees — think baggage fees, priority boarding, and seat selection — incurred from 1 airline of your choice.

The card also has an assortment of other perks, too. Some of these include a Global Entry/TSA PreCheck fee reimbursement, up to $100 annual Saks Fifth Avenue credit, up to $200 prepaid hotel credit, access to the International Airline Program, and complimentary Gold elite status with Marriott Bonvoy and Hilton Honors upon enrollment.

What makes this card so special is its immense luxury travel and shopping perks, including:

  • Access to Fine Hotels & Resorts and The Hotel Collection
  • Complimentary rental car privileges with Avis, Hertz, and National Car Rental
  • $189 in CLEAR credit
  • Up to $240 in digital entertainment credits
  • Up to $12.95 in monthly Walmart+ credits
  • Up to $300 in Equinox credits

As you can imagine, the Amex Platinum card comes with state-of-the-art travel insurance, purchase protection, extended warranty, cell phone insurance, and, of course, no preset spending limit.

Why We Like Earning Amex Membership Rewards Points

Amex Membership Rewards points are the most valuable transferrable currency available. We value these points at 2.2 cents each, making it possible to earn a return on spending of up to 11% with this card!

You can use Amex points for cash-back, statement credits, charitable donations, travel booked through Amex Travel, gift cards, online shopping, and more.

But our favorite way to use Amex points is for luxury travel when leveraging Amex’s airline and hotel partners.

2. Capital One Venture X Rewards Credit Card

Read more: Southwest Credit Card Login Help and Online Payment Tips – ValuePenguin

We’re thrilled to see Capital One enter the premium travel rewards card space with the CapOne Venture X card. With its lower annual fee compared to other luxury travel rewards cards, a frequent traveler can easily find enough value to exceed this annual outlay.

We like that cardholders can earn big when using Capital One Travel as hotels and rental car purchases earn 10x Capital One miles per dollar spent and 5x Capital One miles per dollar spent on flights booked via the portal. The earnings continue with 2x miles earned for every dollar spent on all other purchases.

Plus, every card anniversary you’ll earn an additional 10,000 miles. Add in an up to $300 Capital One Travel statement credit each year, airport lounge access( including a Priority Pass Select lounge membership and access to Capital One Lounges and Plaza Premium Lounges), a Global Entry/TSA PreCheck application fee credit, and complimentary Hertz President’s Circle status and you could find plenty of bottom-line value as a cardholder.

The card also comes with a generous welcome bonus, Gravity Haus benefits, cell phone protection, car rental insurance and benefits, trip insurance benefits, up to 4 authorized users for no additional annual fee, and no foreign transaction fees.

Hot Tip: See how this card goes head-to-head with other premium credit cards in our articles comparing the CapOne Venture X card vs. Chase Sapphire Reserve® and CapOne Venture X card vs. Amex Platinum card.

Why We Like Earning Capital One Miles

At redemption time, you’ll have strong choices including redeeming miles for travel via Capital One Travel or transferring miles to airline/hotel partners for even greater potential value.

You can also use your miles for gift cards, online merchandise, and statement credits.

We value Capital One miles at 1.8 cents each, which translates to a maximum return on spending of 18% when earning 10x miles.

3. Chase Sapphire Reserve®

The Chase Sapphire Reserve card is Chase’s answer to the Amex Platinum card. However, this card replaces some of the flashy benefits with elevated points earning, making it better for customers that need a card that offers both premium benefits and great points earning.

To start with, the Chase Sapphire Reserve card almost always comes with a sizable welcome bonus. But where this card really shines is in the realm of rewards:

  • 10x Ultimate Rewards points per dollar spent on Chase Dining, hotels, and car rentals booked through the Ultimate Rewards travel portal
  • 10x Ultimate Rewards points per dollar spent on Lyft purchases through March 31, 2025
  • 5x Ultimate Rewards points per dollar spent on airline travel booked through the Ultimate Rewards travel portal
  • 3x Ultimate Rewards points per dollar spent on all other travel and dining purchases — which includes fast food, cafes, Ubers, taxis, airfare, and much more

On the benefits side, some of the card’s most notable perks include Priority Pass lounge access, up to $300 annual travel credit that can be applied to any travel purchase, and a Global Entry/TSA PreCheck/NEXUS application fee reimbursement.

With all of these benefits, it’s easy to see why this is one of the best Visa travel rewards cards available.

Uniquely, the Chase Sapphire Reserve card offers a 50% redemption bonus when booking travel through the Ultimate Rewards travel portal, as well as the ability to use Pay Yourself Back for up to 50% in bonus value on select rotating categories. This will get you a redemption value of 1.5 cents per point!

Plus, you can access the Chase Luxury Hotel & Resort Collection, as well as top-shelf travel insurance, which includes primary rental car insurance using the Chase Sapphire Reserve card.

Lastly, the Chase Sapphire Reserve card has no foreign transaction fees, purchase protection, and extended warranty.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are some of the most valuable points in the world. We value them at 2 cents per point, but you can actually get better value if you transfer points to one of Chase’s many transfer partners for award travel.

Other ways to redeem your points include travel booked through the Ultimate Rewards travel portal at a 1.5 cents per point value, Pay Yourself Back, statement credits, gift cards, charitable donations, gift cards, and merchandise.

But to get the best value, we recommend sticking to Chase’s transfer partnerships for luxury flights and hotels!

4. American Express® Gold Card

Hot Tip: Check to see if you’re eligible for a welcome bonus of up to 90,000 points with the Amex Gold card!

One of our favorite cards, the Amex Gold card offers amazing rewards with an exceptional welcome bonus. Here’s how the earnings are broken down:

  • 4x Membership Rewards points per dollar spent at restaurants, including takeout and delivery in the U.S.
  • 4x Membership Rewards points per dollar spent at U.S. supermarkets (up to $25,000 per calendar year)
  • 3x Membership Rewards points per dollar spent on flights purchased directly with the airline or at Amex Travel
  • 1x Membership Rewards points per dollar spent on all other purchases

Earning 4x points translates to a return on spending of 8.8%, based on our valuations, which is huge!

The Amex Gold card comes with up to $120 in Uber Cash per year ($10 per month) for rides and Uber Eats orders in the U.S. and up to $120 in dining credits ($10 per month) at Grubhub, The Cheesecake Factory, Goldbelly, Milk Bar, select Shake Shack locations, and Wine.com.

Read more: Getting Started with Cash App

With this card, you can book stays at The Hotel Collection, too.

There are also no foreign transaction fees, no additional annual fees for authorized users, purchase protection, extended warranty, and no preset spending limit (rates and fees).

5. Delta SkyMiles® Reserve American Express Card

The Delta Reserve card is one of the most valuable premium airline credit cards. As you’d expect, the card includes some amazing benefits for frequent Delta flyers.

To start with, the welcome bonus will definitely accelerate your points earning. Here is the accrual structure:

  • 3x Delta SkyMiles per dollar spent on Delta purchases
  • 1x Delta SkyMiles per dollar spent on all other purchases

Although the earning structure isn’t fantastic, we love the fact that you’ll get a ton of Delta perks with this card:

  • Complimentary Delta Sky Club access when flying on Delta Air Lines
  • Complimentary Centurion Lounge or Escape Lounge — The Centurion Studio Partner access when you book a Delta flight with your card
  • Access to Status Boost, which earns you 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 on your card (up to 4 times per year)
  • Medallion Qualification Dollar (MQD) waiver up to Platinum status if you make at least $25,000 in purchases in a calendar year (the MQD waiver for Diamond status requires $250,000 in purchases)
  • An account anniversary companion certificate every year upon card renewal, which is good for a round-trip domestic first class, Delta Comfort+, or Main Cabin flight
  • Priority Main Cabin 1 boarding for yourself and up to 8 companions on the same reservation
  • First checked bag for free for yourself and up to 8 companions on the same reservation

Lastly, there are a few non-Delta perks, like the Global Entry/TSA PreCheck application fee credit, travel insurance, purchase protection, extended warranty, cell phone insurance, no foreign transaction fees, and authorized users for no additional annual fee (rates and fees).

Why We Like Earning Delta SkyMiles

According to our valuation of Delta SkyMiles of 1.0 cents per mile, your return on spending maxes out at 3%.

Of course, it’s possible to achieve a higher redemption value if you book international premium cabin flights on Delta and its airline partners.

Bottom Line: You should only consider a premium airline credit card if you are loyal to a specific U.S. airline — otherwise, you’re better off with a general travel credit card that provides a wider range of benefits.

The 5 Best Business Premium and Luxury Cards

Use premium credit cards to give you lounge access and special perks while traveling on business! Image Credit: Chris Hassan

Card Summary

Card Welcome Bonus and Annual Fee Premium and Luxury Benefits The Business Platinum Card® from American Express

  • Earn 120,000 points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $695 (rates and fees)
  • 5x points on flights and prepaid hotels booked through Amex Travel
  • 1.5x points on purchases in key business categories, as well as on purchases of $5,000 or more (up to $2 million in purchases per calendar year)
  • Incredible airport lounge access
  • Complimentary hotel elite status and car rental privileges
  • Top-notch travel insurance
  • Cell phone protection
  • No preset spending limit

American Express® Business Gold Card

  • Earn 70,000 points after you spend $10,000 on purchases in the first 3 months.
  • Annual fee of $295 (rates and fees)
  • 4x points on the 2 categories where your business spends the most, up to $150,000 in combined purchases per calendar year
  • 25% airline bonus when using Pay With Points
  • Travel insurance
  • No preset spending limit

Ink Business Preferred® Credit Card

  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 3x points on the first $150,000 in combined purchases every cardmember year in select business categories
  • Excellent travel insurance
  • Cell phone protection

Delta SkyMiles® Reserve Business American Express Card

  • Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
  • Annual fee of $550 (rates and fees)
  • 3x miles on Delta purchases
  • After you spend $150,000 on your card in a calendar year, earn 1.5x SkyMiles on eligible purchases for the rest of the year
  • Complimentary access to Delta Sky Clubs when traveling on a Delta flight
  • Complimentary access to Centurion Lounges and Escape Lounges — The Centurion Studio Partner when you book a Delta flight with your card
  • Get closer to Medallion status with Status Boost and a Medallion Qualification Dollar (MQD) Waiver
  • Anniversary companion certificate
  • Free checked bag and priority boarding

United Club℠ Business Card

  • Earn 75,000 bonus miles after $5,000 on purchases in the first 3 months your account is open
  • Annual fee of $450
  • 2x miles on United purchases
  • 1.5x miles on all other purchases
  • Complimentary United Club membership
  • First and second checked bags are free (terms apply)
  • Complimentary Premier Access travel services, which include priority check-in, security, boarding, and baggage handling privileges
  • 25% statement credit on United inflight purchases
  • Earn 500 PQPs after you spend $12,000 in a calendar year (up to 1,000 PQPs in a calendar year)

1. The Business Platinum Card® from American Express

Hot Tip: Check to see if you’re eligible for a huge welcome offer of up to 150,000 points with the Amex Business Platinum!

Our favorite premium and luxury business card is the Amex Business Platinum card, which is the business version of the Amex Platinum card. Notably, the 2 cards have different perks and rewards structures.

To start off, you’ll enjoy a huge welcome bonus, plus the ability to earn up to 5x Membership Rewards points per dollar spent:

  • 5x Membership Rewards points per dollar spent on flights and prepaid hotels booked through Amex Travel
  • 1.5x Membership Rewards points per dollar spent on eligible purchases in key business categories, as well as on purchases of $5,000 or more elsewhere (up to $2 million every calendar year)
  • 1x Membership Rewards points per dollar spent on all other purchases

You’ll also find that this card has some incredible statement credits for additional value:

  • Up to $200 every year in airline fee credits
  • $189 every year in CLEAR credits
  • Up to $100 in Global Entry/TSA PreCheck application fee credits
  • Up to $400 every year in Dell credits
  • Up to $360 every year in Indeed credits
  • Up to $150 every year in Adobe credits
  • Up to $120 every year in wireless credits

Check out these extra luxury travel perks:

  • Access to the Fine Hotels & Resorts and The Hotel Collection
  • Access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying on a same-day Delta flight), Plaza Premium Lounges, Priority Pass lounges (upon enrollment), and more
  • 35% airline bonus when using Pay With Points through Amex Travel (up to 1 million points back every calendar year)
  • Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status upon enrollment
  • Car rental status and/or benefits with Avis, Hertz, and National

The Amex Business Platinum card boasts no preset spending limit, cell phone protection, purchase protection, extended warranty, and no foreign transaction fees (rates and fees).

2. American Express® Business Gold Card

The Amex Business Gold card is a step down from the Amex Business Platinum card, but it can actually be the better choice for the right person.

If you’re looking to max out on rewards instead of benefits, the Amex Business Gold card could make more sense. In addition to the welcome bonus, you can earn 4x Membership Rewards points per dollar spent on the top 2 categories where your business spends the most every month from this list below:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases for shipping

You can earn 4x points on the first $150,000 in eligible purchases every calendar year. After that, as well as on all other purchases, you’ll earn 1x points.

That 4x points structure is approximately equal to an 8.8% return on spending, which is huge.

The Amex Business Gold card also offers a 25% airline bonus when using Pay With Points (up to 250,000 points rebated every calendar year), the ability to make bookings at The Hotel Collection, no preset spending limit, travel insurance, no foreign transaction fees, and no annual fees for employee cards after the first employee card of $50 per year (rates and fees).

3. Ink Business Preferred® Credit Card

One of our favorite business credit cards is the Ink Business Preferred card, which is issued by Chase.

Despite having a mild annual fee, it offers some incredible rewards that are second-to-none. But let’s pivot to the rewards, which consist of a bonus earning structure of 3x Ultimate Rewards points per dollar spent on the first $150,000 in purchases every cardmember year in these business categories:

  • Ads purchased with search engines or social media sites
  • Internet, cable, and phone services
  • Shipping expenses
  • Travel

Read more: Die besten Einlösungen für bis zu 100.000 Amex Punkte | reisetopia

In addition, you can earn 5x points per dollar spent on Lyft purchases through March 31, 2025. All other purchases will earn 1x points per dollar spent.

Other easy ways to maximize this card include the fantastic cell phone protection plan, purchase protection, extended warranty, fee-free employee cards, and no foreign transaction fees.

4. Delta SkyMiles® Reserve Business American Express Card

The Delta Reserve Business card could become your best friend if you’re a business owner that frequently flies on Delta.

In fact, it’s one of the few credit cards that can actually help business owners get closer to valuable Delta elite status.

Currently, you’ll earn up to 3x Delta SkyMiles per dollar spent, as well as a welcome bonus:

  • 3x Delta SkyMiles per dollar spent on Delta purchases
  • 1.5x Delta SkyMiles per dollar spent after you spend $150,000 in a calendar year
  • 1x Delta SkyMiles per dollar spent on all other purchases

Much like the Delta Reserve card we discussed in the personal cards section above, the Delta Reserve Business card has a series of amazing Delta perks:

  • Status Boost, which allows you to spend $30,000 in a calendar year to earn 15,000 MQMs (up to 60,000 MQMs per calendar year)
  • A complimentary round-trip companion certificate every year after you renew your card for a domestic first class, Comfort+, or Main Cabin flight
  • Complimentary Delta Sky Club access when flying on Delta on the same day
  • Complimentary Centurion Lounge and Escape Lounges — The Centurion Studio Partner access when you purchase your Delta flight with your Delta Reserve Business card
  • 2 Delta Sky Club 1-time guest passes every year
  • Priority Main Cabin 1 boarding for yourself and up to 8 companions on the same reservation
  • First checked bag free for yourself and up to 8 companions on the same reservation

You’ll also enjoy a TSA PreCheck/Global Entry application fee credit, travel insurance, cell phone protection, purchase protection, extended warranty, employee cards for no additional annual fee, and no foreign transaction fees (rates and fees).

5. United Club℠ Business Card

The last card we’ll discuss is the United Club Business card, which is Chase’s ultra-premium business credit card offered in partnership with United Airlines.

This credit card offers an impressive welcome bonus and the ability to earn up to 2x miles per dollar spent:

  • 2x United miles per dollar spent on United purchases
  • 1.5x United miles per dollar spent on all other purchases

Most cardholders love the benefits you get when flying on United:

  • Complimentary United Club membership
  • Free first and second checked bags when you purchase your tickets from United with this card (terms apply)
  • The ability to earn 500 Premier Qualifying Points (PQPs) for every $12,000 you spend on your card (up to 1,000 PQPs per calendar year)
  • Premier Access services, which include priority check-in, security, boarding, and baggage handling
  • 25% statement credit on United inflight purchases

Even better, this credit card has complimentary Avis President’s Club status, access to The Luxury Hotel & Resort Collection, travel insurance, purchase protection, extended warranty, and no foreign transaction fees.

Why We Like Earning United MileagePlus Miles

The United Club Business card earns United MileagePlus miles; according to our valuations of 1.3 cents per United mile, that’s equal to a maximum ROI of 2.6% when earning up to 2x miles.

That’s decent, but you can get a better redemption value by using those MileagePlus miles on international award travel in business or first class.

Final Thoughts

For the bulk of travelers, a general travel credit card like the Amex Platinum card, CapOne Venture X card, or Chase Sapphire Reserve card is the best bet. These cards provide both great returns on everyday spending and have excellent benefits like lounge access across multiple lounge networks, car rental status, and more.

However, those who regularly fly a specific airline for work may prefer a premium airline credit card, like those offered by Delta. These cards can help you achieve airline status faster and will give you access to domestic airline lounges when flying on your preferred airline. This is especially important when you consider that Priority Pass has limited options when traveling domestically.

We showed you the best premium travel credit cards on the market. Picking a card from this list depends on what you value the most in your travel experience — but a general premium travel credit card is best for most travelers. These cards provide the widest range of benefits and will reward you for spending in certain categories.

But now we want to hear from you. What premium travel credit cards do you carry on a daily basis? Let us know in the comments — we’re excited to hear your take.

The information regarding the Capital One Venture X Rewards Credit Card and United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For the cell phone protection benefit of the Platinum Card® from American Express, The Business Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, and Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty benefit of the Platinum Card® from American Express, Delta SkyMiles® Reserve American Express Card, American Express Gold Card, The Business Platinum Card® from American Express, and Delta SkyMiles® Reserve Business American Express Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Platinum Card® from American Express, The Business Platinum Card® from American Express, American Express Gold Card, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, and eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For rates and fees of The Platinum Card® from American Express, click here. For the rates and fees of the American Express Gold Card, click here. For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here. For rates and fees of The Business Platinum Card® from American Express, click here. For rates and fees for the American Express® Business Gold Card, click here. For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.

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