}
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

2024's Best Credit Cards For Excellent Credit Scores

August 30, 2024

Small Kudos square logoAn upside down carrot icon

An excellent credit score opens the door to some of the most prestigious and hardest-to-get luxury credit cards, designed for individuals who demand more from their financial tools. These cards offer exclusive benefits tailored to those with elite status, providing superior perks such as premium travel rewards, access to airport lounges, and personalized concierge services. You may even find luxury cards made from metal, adding a touch of prestige to your wallet. Whether you're interested in maximizing business spending, earning top-tier travel benefits, or simply enjoying luxury rewards, comparing these options will help you find the perfect fit for your lifestyle.

Here’s a detailed look at the best offerings in 2024.

[[ CARD_LIST * {"ids": ["509", "106", "510", "2888", "118", "438", "261"]} ]]

More:

Best For: Overall Travel Rewards

[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Overall Travel Rewards", "headerHint" : "Trusted by 15k Kudos members" } ]]

The Chase Sapphire Preferred® Card stands out for frequent travelers who seek value. It offers 3X at restaurants, including takeout & delivery, 3X on online grocery purchases on travel and dining purchases, 3X on streaming services, and 1X on all other purchases. Cardholders also earn 5X on Lyft rides through March 31, 2025, as well as 5X on travel purchased through Chase Travel℠. Other benefits include up to a $50 annual hotel credit and flexible point redemption options through Chase Travel℠, making it a cost-effective choice for regular travelers.

An icon of a lightbulb
Kudos Tip
More:

Best For: Luxury Travel Perks

[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Luxury Travel Perks", "headerHint" : "LIVE LUXURIOUSLY" } ]]

The Platinum Card® from American Express is synonymous with luxury travel. It provides up to $200 in annual airline statement credits and up to $200 in annual Uber Cash. You must add your Platinum Card® to your Uber account, and then pay with any AMEX card. Cardholders have access to over 1,300 airport lounges worldwide through the Priority Pass Select and Amex Centurion Lounge networks. Its benefits are tailored for those who expect first-class treatment on every journey.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

More:

Best for: Travel Protections

[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Protections", "headerHint" : "TRAVEL WITH EASE" } ]]

For peace of mind while traveling, the Chase Sapphire Reserve® excels with its comprehensive travel protection suite. It includes trip cancellation and interruption insurance, auto rental collision damage waiver, emergency medical and dental coverage, and more, ensuring you're well-covered far from home.

Best for: Airline Miles and a Large Bonus

[[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Airline Miles and a Large Bonus", "headerHint" : "EMBRACE ADVENTURE" } ]]

The Capital One Venture X Rewards Credit Card is a premium travel credit card offering a wealth of benefits for frequent travelers. Cardholders earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights booked through Capital One Travel, and 2 miles per dollar spent on everything else. These miles can be redeemed for travel, gift cards, or other rewards. Additional perks include complimentary access to airport lounges, an annual $300 travel credit when booking though Capital One Travel, and no foreign transaction fees (see rates & fees). This card is designed for those who want to maximize their travel experiences while earning rewards for their spending.

Best For: Dining Rewards

[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "3", "bestForText": "Dining Rewards", "headerHint" : "SAVOR EVERY BITE" } ]]

The American Express® Gold Card is particularly rewarding for dining out or buying groceries. It offers 4X points at restaurants worldwide (on up to $50,000 per year, then 1X) and U.S. supermarkets (on up to $25,000 per year, then 1X), plus up to $120 in annual dining statement credits redeemable at select restaurant chains, enhancing its appeal to food lovers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: Easy-to-Earn Welcome Bonus

[[ SINGLE_CARD * {"id": "438", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Easy-to-Earn Welcome Bonus", "headerHint" : "EARN ON EVERY PURCHASE" } ]]

The Capital One Venture Rewards Credit Card is highly regarded for its straightforward yet valuable rewards structure. In addition to earning 5X miles per dollar spent on hotels and car rentals booked through Capital One Travel, it earns a flat 2X miles per dollar spent on every purchase, making it ideal for both frequent travelers and everyday spenders. One key strength of this card is the flexibility to redeem miles for travel expenses. It also has no foreign transaction fees (see rates & fees), making it ideal for international travel. Other perks: up to a $120 credit for Global Entry or TSA PreCheck® and Hertz Five Star Status. Its simplicity and versatility in earning and redeeming rewards make it a standout choice for those seeking a travel rewards credit card.

Best for: Small Business Owners and Entrepreneurs

[[ SINGLE_CARD * {"id": "2290", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "Entrepreneurs" } ]]

The The Business Platinum Card® from American Express brings a 150,000-point welcome bonus after qualifying purchases, making it a powerful tool for small business owners and other entrepreneurs. With 5X points on flights and hotels booked through the travel portal and 1.5X points on larger purchases in select business categories, it’s designed to reward growing businesses. Additional perks like lounge access, tech credits, and airline fee credits add value and convenience, making this card an ideal choice for those who want luxury and rewards while building their business.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: 0% Intro APR

[[ SINGLE_CARD * {"id": "261", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "0% Intro APR", "headerHint" : "MAXIMIZE YOUR SAVINGS" } ]]

The Blue Cash Preferred® Card from American Express not only offers a 0% introductory APR on purchases and balance transfers for 12 months from the date of account opening (then 18.49%-29.49% Variable based on your creditworthiness - see rates & fees), but also provides 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 3% Cash Back at U.S. gas stations, and1% Cash Back on other purchases. This makes it an excellent choice for families looking to optimize their spending.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Comparing Top Credit Cards

In evaluating the first three cards—Chase Sapphire Preferred, Amex Platinum, and Chase Sapphire Reserve—consider how each aligns with your travel habits and spending preferences. Each offers unique advantages, whether it’s earning more points on travel, enjoying luxury travel benefits, or having robust travel protections.

[[ COMPARE_CARD * {"ids": ["509", "106", "510"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Overall Travel Rewards", "Luxury Travel Perks", "Travel Protections"]} ]]

Conclusion

Leverage your excellent credit to enjoy the premium benefits these credit cards offer. Whether your priority is travel, dining, or flexible rewards, there’s a card that not only meets your needs but exceeds them, providing value with every swipe.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

Best of 2024
Best of 2024
Kudos, featured on:
200,000 members and counting
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

2024's Best Credit Cards For Excellent Credit Scores

August 30, 2024

Small Kudos square logoAn upside down carrot icon

An excellent credit score opens the door to some of the most prestigious and hardest-to-get luxury credit cards, designed for individuals who demand more from their financial tools. These cards offer exclusive benefits tailored to those with elite status, providing superior perks such as premium travel rewards, access to airport lounges, and personalized concierge services. You may even find luxury cards made from metal, adding a touch of prestige to your wallet. Whether you're interested in maximizing business spending, earning top-tier travel benefits, or simply enjoying luxury rewards, comparing these options will help you find the perfect fit for your lifestyle.

Here’s a detailed look at the best offerings in 2024.

[[ CARD_LIST * {"ids": ["509", "106", "510", "2888", "118", "438", "261"]} ]]

More:

Best For: Overall Travel Rewards

[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Overall Travel Rewards", "headerHint" : "Trusted by 15k Kudos members" } ]]

The Chase Sapphire Preferred® Card stands out for frequent travelers who seek value. It offers 3X at restaurants, including takeout & delivery, 3X on online grocery purchases on travel and dining purchases, 3X on streaming services, and 1X on all other purchases. Cardholders also earn 5X on Lyft rides through March 31, 2025, as well as 5X on travel purchased through Chase Travel℠. Other benefits include up to a $50 annual hotel credit and flexible point redemption options through Chase Travel℠, making it a cost-effective choice for regular travelers.

An icon of a lightbulb
Kudos Tip
More:

Best For: Luxury Travel Perks

[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Luxury Travel Perks", "headerHint" : "LIVE LUXURIOUSLY" } ]]

The Platinum Card® from American Express is synonymous with luxury travel. It provides up to $200 in annual airline statement credits and up to $200 in annual Uber Cash. You must add your Platinum Card® to your Uber account, and then pay with any AMEX card. Cardholders have access to over 1,300 airport lounges worldwide through the Priority Pass Select and Amex Centurion Lounge networks. Its benefits are tailored for those who expect first-class treatment on every journey.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

More:

Best for: Travel Protections

[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Protections", "headerHint" : "TRAVEL WITH EASE" } ]]

For peace of mind while traveling, the Chase Sapphire Reserve® excels with its comprehensive travel protection suite. It includes trip cancellation and interruption insurance, auto rental collision damage waiver, emergency medical and dental coverage, and more, ensuring you're well-covered far from home.

Best for: Airline Miles and a Large Bonus

[[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Airline Miles and a Large Bonus", "headerHint" : "EMBRACE ADVENTURE" } ]]

The Capital One Venture X Rewards Credit Card is a premium travel credit card offering a wealth of benefits for frequent travelers. Cardholders earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights booked through Capital One Travel, and 2 miles per dollar spent on everything else. These miles can be redeemed for travel, gift cards, or other rewards. Additional perks include complimentary access to airport lounges, an annual $300 travel credit when booking though Capital One Travel, and no foreign transaction fees (see rates & fees). This card is designed for those who want to maximize their travel experiences while earning rewards for their spending.

Best For: Dining Rewards

[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "3", "bestForText": "Dining Rewards", "headerHint" : "SAVOR EVERY BITE" } ]]

The American Express® Gold Card is particularly rewarding for dining out or buying groceries. It offers 4X points at restaurants worldwide (on up to $50,000 per year, then 1X) and U.S. supermarkets (on up to $25,000 per year, then 1X), plus up to $120 in annual dining statement credits redeemable at select restaurant chains, enhancing its appeal to food lovers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: Easy-to-Earn Welcome Bonus

[[ SINGLE_CARD * {"id": "438", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Easy-to-Earn Welcome Bonus", "headerHint" : "EARN ON EVERY PURCHASE" } ]]

The Capital One Venture Rewards Credit Card is highly regarded for its straightforward yet valuable rewards structure. In addition to earning 5X miles per dollar spent on hotels and car rentals booked through Capital One Travel, it earns a flat 2X miles per dollar spent on every purchase, making it ideal for both frequent travelers and everyday spenders. One key strength of this card is the flexibility to redeem miles for travel expenses. It also has no foreign transaction fees (see rates & fees), making it ideal for international travel. Other perks: up to a $120 credit for Global Entry or TSA PreCheck® and Hertz Five Star Status. Its simplicity and versatility in earning and redeeming rewards make it a standout choice for those seeking a travel rewards credit card.

Best for: Small Business Owners and Entrepreneurs

[[ SINGLE_CARD * {"id": "2290", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "Entrepreneurs" } ]]

The The Business Platinum Card® from American Express brings a 150,000-point welcome bonus after qualifying purchases, making it a powerful tool for small business owners and other entrepreneurs. With 5X points on flights and hotels booked through the travel portal and 1.5X points on larger purchases in select business categories, it’s designed to reward growing businesses. Additional perks like lounge access, tech credits, and airline fee credits add value and convenience, making this card an ideal choice for those who want luxury and rewards while building their business.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: 0% Intro APR

[[ SINGLE_CARD * {"id": "261", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "0% Intro APR", "headerHint" : "MAXIMIZE YOUR SAVINGS" } ]]

The Blue Cash Preferred® Card from American Express not only offers a 0% introductory APR on purchases and balance transfers for 12 months from the date of account opening (then 18.49%-29.49% Variable based on your creditworthiness - see rates & fees), but also provides 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 3% Cash Back at U.S. gas stations, and1% Cash Back on other purchases. This makes it an excellent choice for families looking to optimize their spending.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Comparing Top Credit Cards

In evaluating the first three cards—Chase Sapphire Preferred, Amex Platinum, and Chase Sapphire Reserve—consider how each aligns with your travel habits and spending preferences. Each offers unique advantages, whether it’s earning more points on travel, enjoying luxury travel benefits, or having robust travel protections.

[[ COMPARE_CARD * {"ids": ["509", "106", "510"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Overall Travel Rewards", "Luxury Travel Perks", "Travel Protections"]} ]]

Conclusion

Leverage your excellent credit to enjoy the premium benefits these credit cards offer. Whether your priority is travel, dining, or flexible rewards, there’s a card that not only meets your needs but exceeds them, providing value with every swipe.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

Best of 2024
Best of 2024
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

2024's Best Credit Cards For Excellent Credit Scores

August 30, 2024

Small Kudos square logoAn upside down carrot icon

An excellent credit score opens the door to some of the most prestigious and hardest-to-get luxury credit cards, designed for individuals who demand more from their financial tools. These cards offer exclusive benefits tailored to those with elite status, providing superior perks such as premium travel rewards, access to airport lounges, and personalized concierge services. You may even find luxury cards made from metal, adding a touch of prestige to your wallet. Whether you're interested in maximizing business spending, earning top-tier travel benefits, or simply enjoying luxury rewards, comparing these options will help you find the perfect fit for your lifestyle.

Here’s a detailed look at the best offerings in 2024.

[[ CARD_LIST * {"ids": ["509", "106", "510", "2888", "118", "438", "261"]} ]]

More:

Best For: Overall Travel Rewards

[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Overall Travel Rewards", "headerHint" : "Trusted by 15k Kudos members" } ]]

The Chase Sapphire Preferred® Card stands out for frequent travelers who seek value. It offers 3X at restaurants, including takeout & delivery, 3X on online grocery purchases on travel and dining purchases, 3X on streaming services, and 1X on all other purchases. Cardholders also earn 5X on Lyft rides through March 31, 2025, as well as 5X on travel purchased through Chase Travel℠. Other benefits include up to a $50 annual hotel credit and flexible point redemption options through Chase Travel℠, making it a cost-effective choice for regular travelers.

An icon of a lightbulb
Kudos Tip
More:

Best For: Luxury Travel Perks

[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Luxury Travel Perks", "headerHint" : "LIVE LUXURIOUSLY" } ]]

The Platinum Card® from American Express is synonymous with luxury travel. It provides up to $200 in annual airline statement credits and up to $200 in annual Uber Cash. You must add your Platinum Card® to your Uber account, and then pay with any AMEX card. Cardholders have access to over 1,300 airport lounges worldwide through the Priority Pass Select and Amex Centurion Lounge networks. Its benefits are tailored for those who expect first-class treatment on every journey.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

More:

Best for: Travel Protections

[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Protections", "headerHint" : "TRAVEL WITH EASE" } ]]

For peace of mind while traveling, the Chase Sapphire Reserve® excels with its comprehensive travel protection suite. It includes trip cancellation and interruption insurance, auto rental collision damage waiver, emergency medical and dental coverage, and more, ensuring you're well-covered far from home.

Best for: Airline Miles and a Large Bonus

[[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Airline Miles and a Large Bonus", "headerHint" : "EMBRACE ADVENTURE" } ]]

The Capital One Venture X Rewards Credit Card is a premium travel credit card offering a wealth of benefits for frequent travelers. Cardholders earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights booked through Capital One Travel, and 2 miles per dollar spent on everything else. These miles can be redeemed for travel, gift cards, or other rewards. Additional perks include complimentary access to airport lounges, an annual $300 travel credit when booking though Capital One Travel, and no foreign transaction fees (see rates & fees). This card is designed for those who want to maximize their travel experiences while earning rewards for their spending.

Best For: Dining Rewards

[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "3", "bestForText": "Dining Rewards", "headerHint" : "SAVOR EVERY BITE" } ]]

The American Express® Gold Card is particularly rewarding for dining out or buying groceries. It offers 4X points at restaurants worldwide (on up to $50,000 per year, then 1X) and U.S. supermarkets (on up to $25,000 per year, then 1X), plus up to $120 in annual dining statement credits redeemable at select restaurant chains, enhancing its appeal to food lovers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: Easy-to-Earn Welcome Bonus

[[ SINGLE_CARD * {"id": "438", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Easy-to-Earn Welcome Bonus", "headerHint" : "EARN ON EVERY PURCHASE" } ]]

The Capital One Venture Rewards Credit Card is highly regarded for its straightforward yet valuable rewards structure. In addition to earning 5X miles per dollar spent on hotels and car rentals booked through Capital One Travel, it earns a flat 2X miles per dollar spent on every purchase, making it ideal for both frequent travelers and everyday spenders. One key strength of this card is the flexibility to redeem miles for travel expenses. It also has no foreign transaction fees (see rates & fees), making it ideal for international travel. Other perks: up to a $120 credit for Global Entry or TSA PreCheck® and Hertz Five Star Status. Its simplicity and versatility in earning and redeeming rewards make it a standout choice for those seeking a travel rewards credit card.

Best for: Small Business Owners and Entrepreneurs

[[ SINGLE_CARD * {"id": "2290", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "Entrepreneurs" } ]]

The The Business Platinum Card® from American Express brings a 150,000-point welcome bonus after qualifying purchases, making it a powerful tool for small business owners and other entrepreneurs. With 5X points on flights and hotels booked through the travel portal and 1.5X points on larger purchases in select business categories, it’s designed to reward growing businesses. Additional perks like lounge access, tech credits, and airline fee credits add value and convenience, making this card an ideal choice for those who want luxury and rewards while building their business.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: 0% Intro APR

[[ SINGLE_CARD * {"id": "261", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "0% Intro APR", "headerHint" : "MAXIMIZE YOUR SAVINGS" } ]]

The Blue Cash Preferred® Card from American Express not only offers a 0% introductory APR on purchases and balance transfers for 12 months from the date of account opening (then 18.49%-29.49% Variable based on your creditworthiness - see rates & fees), but also provides 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 3% Cash Back at U.S. gas stations, and1% Cash Back on other purchases. This makes it an excellent choice for families looking to optimize their spending.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Comparing Top Credit Cards

In evaluating the first three cards—Chase Sapphire Preferred, Amex Platinum, and Chase Sapphire Reserve—consider how each aligns with your travel habits and spending preferences. Each offers unique advantages, whether it’s earning more points on travel, enjoying luxury travel benefits, or having robust travel protections.

[[ COMPARE_CARD * {"ids": ["509", "106", "510"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Overall Travel Rewards", "Luxury Travel Perks", "Travel Protections"]} ]]

Conclusion

Leverage your excellent credit to enjoy the premium benefits these credit cards offer. Whether your priority is travel, dining, or flexible rewards, there’s a card that not only meets your needs but exceeds them, providing value with every swipe.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

Best of 2024
Best of 2024
Kudos, featured on:
200,000 members and counting
Advertiser Disclosure
A blue checkmark icon
Fact Checked
A black x icon

Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!

Got it
Special Offer:

2024's Best Credit Cards For Excellent Credit Scores

August 30, 2024

Small Kudos square logoAn upside down carrot icon

An excellent credit score opens the door to some of the most prestigious and hardest-to-get luxury credit cards, designed for individuals who demand more from their financial tools. These cards offer exclusive benefits tailored to those with elite status, providing superior perks such as premium travel rewards, access to airport lounges, and personalized concierge services. You may even find luxury cards made from metal, adding a touch of prestige to your wallet. Whether you're interested in maximizing business spending, earning top-tier travel benefits, or simply enjoying luxury rewards, comparing these options will help you find the perfect fit for your lifestyle.

Here’s a detailed look at the best offerings in 2024.

[[ CARD_LIST * {"ids": ["509", "106", "510", "2888", "118", "438", "261"]} ]]

More:

Best For: Overall Travel Rewards

[[ SINGLE_CARD * {"id": "509", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Overall Travel Rewards", "headerHint" : "Trusted by 15k Kudos members" } ]]

The Chase Sapphire Preferred® Card stands out for frequent travelers who seek value. It offers 3X at restaurants, including takeout & delivery, 3X on online grocery purchases on travel and dining purchases, 3X on streaming services, and 1X on all other purchases. Cardholders also earn 5X on Lyft rides through March 31, 2025, as well as 5X on travel purchased through Chase Travel℠. Other benefits include up to a $50 annual hotel credit and flexible point redemption options through Chase Travel℠, making it a cost-effective choice for regular travelers.

An icon of a lightbulb
Kudos Tip
More:

Best For: Luxury Travel Perks

[[ SINGLE_CARD * {"id": "106", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Luxury Travel Perks", "headerHint" : "LIVE LUXURIOUSLY" } ]]

The Platinum Card® from American Express is synonymous with luxury travel. It provides up to $200 in annual airline statement credits and up to $200 in annual Uber Cash. You must add your Platinum Card® to your Uber account, and then pay with any AMEX card. Cardholders have access to over 1,300 airport lounges worldwide through the Priority Pass Select and Amex Centurion Lounge networks. Its benefits are tailored for those who expect first-class treatment on every journey.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

More:

Best for: Travel Protections

[[ SINGLE_CARD * {"id": "510", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Travel Protections", "headerHint" : "TRAVEL WITH EASE" } ]]

For peace of mind while traveling, the Chase Sapphire Reserve® excels with its comprehensive travel protection suite. It includes trip cancellation and interruption insurance, auto rental collision damage waiver, emergency medical and dental coverage, and more, ensuring you're well-covered far from home.

Best for: Airline Miles and a Large Bonus

[[ SINGLE_CARD * {"id": "2888", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Airline Miles and a Large Bonus", "headerHint" : "EMBRACE ADVENTURE" } ]]

The Capital One Venture X Rewards Credit Card is a premium travel credit card offering a wealth of benefits for frequent travelers. Cardholders earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Travel, 5 miles per dollar spent on flights booked through Capital One Travel, and 2 miles per dollar spent on everything else. These miles can be redeemed for travel, gift cards, or other rewards. Additional perks include complimentary access to airport lounges, an annual $300 travel credit when booking though Capital One Travel, and no foreign transaction fees (see rates & fees). This card is designed for those who want to maximize their travel experiences while earning rewards for their spending.

Best For: Dining Rewards

[[ SINGLE_CARD * {"id": "118", "isExpanded": "false", "bestForCategoryId": "3", "bestForText": "Dining Rewards", "headerHint" : "SAVOR EVERY BITE" } ]]

The American Express® Gold Card is particularly rewarding for dining out or buying groceries. It offers 4X points at restaurants worldwide (on up to $50,000 per year, then 1X) and U.S. supermarkets (on up to $25,000 per year, then 1X), plus up to $120 in annual dining statement credits redeemable at select restaurant chains, enhancing its appeal to food lovers.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: Easy-to-Earn Welcome Bonus

[[ SINGLE_CARD * {"id": "438", "isExpanded": "false", "bestForCategoryId": "52", "bestForText": "Easy-to-Earn Welcome Bonus", "headerHint" : "EARN ON EVERY PURCHASE" } ]]

The Capital One Venture Rewards Credit Card is highly regarded for its straightforward yet valuable rewards structure. In addition to earning 5X miles per dollar spent on hotels and car rentals booked through Capital One Travel, it earns a flat 2X miles per dollar spent on every purchase, making it ideal for both frequent travelers and everyday spenders. One key strength of this card is the flexibility to redeem miles for travel expenses. It also has no foreign transaction fees (see rates & fees), making it ideal for international travel. Other perks: up to a $120 credit for Global Entry or TSA PreCheck® and Hertz Five Star Status. Its simplicity and versatility in earning and redeeming rewards make it a standout choice for those seeking a travel rewards credit card.

Best for: Small Business Owners and Entrepreneurs

[[ SINGLE_CARD * {"id": "2290", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "Entrepreneurs" } ]]

The The Business Platinum Card® from American Express brings a 150,000-point welcome bonus after qualifying purchases, making it a powerful tool for small business owners and other entrepreneurs. With 5X points on flights and hotels booked through the travel portal and 1.5X points on larger purchases in select business categories, it’s designed to reward growing businesses. Additional perks like lounge access, tech credits, and airline fee credits add value and convenience, making this card an ideal choice for those who want luxury and rewards while building their business.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Best for: 0% Intro APR

[[ SINGLE_CARD * {"id": "261", "isExpanded": "false", "bestForCategoryId": "23", "bestForText": "0% Intro APR", "headerHint" : "MAXIMIZE YOUR SAVINGS" } ]]

The Blue Cash Preferred® Card from American Express not only offers a 0% introductory APR on purchases and balance transfers for 12 months from the date of account opening (then 18.49%-29.49% Variable based on your creditworthiness - see rates & fees), but also provides 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1% thereafter), 6% Cash Back on select U.S. streaming subscriptions, 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more, 3% Cash Back at U.S. gas stations, and1% Cash Back on other purchases. This makes it an excellent choice for families looking to optimize their spending.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. 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.

Comparing Top Credit Cards

In evaluating the first three cards—Chase Sapphire Preferred, Amex Platinum, and Chase Sapphire Reserve—consider how each aligns with your travel habits and spending preferences. Each offers unique advantages, whether it’s earning more points on travel, enjoying luxury travel benefits, or having robust travel protections.

[[ COMPARE_CARD * {"ids": ["509", "106", "510"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["Overall Travel Rewards", "Luxury Travel Perks", "Travel Protections"]} ]]

Conclusion

Leverage your excellent credit to enjoy the premium benefits these credit cards offer. Whether your priority is travel, dining, or flexible rewards, there’s a card that not only meets your needs but exceeds them, providing value with every swipe.

Supercharge Your Credit Cards

Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.

Get Started

Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

In this article

Best of 2024
Best of 2024