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The Platinum Card® from American Express is one of the best cards when it comes to being treated like a VIP. The card allows members to travel in comfort with airport lounge access, hotel status, Uber statement credits and more. And with even more benefits recently added to the card , card members can feel even more like an elite.
But these changes also had an impact on annual fees. Since July 1, 2021, the 'Amex Platin The um card has an annual fee of $ 695, up from the previous fee of $ 550 (see rates and fees). While existing cardholders won't see an increase in fees until their annual renewal date starting January 1, 2022, many travelers wonder if paying nearly $ 700 for a single card is worth it.
If the answer is "no " but you still want a luxury credit card in your pocket for your travel needs, luckily there are a number of other premium credit cards that offer similar benefits to the. 'Amex Platinum, but at a lower (but still not cheap) cost. So if you are in the market for a new luxury credit card, here are some alternative options that might best suit you.To serve from a cost / benefit point of view.
1. Chase Sapphire Reserve
The Chase Sapphire Reserve is the Chase version of a luxury credit card, but instead of earning Membership Rewards points - like you do with Amex Platinum - you earn Chase Ultimate Rewards points. With both programs, you can redeem your points through the issuer's travel portal or, if your schedule is flexible, transfer points to multiple travel partners for potentially more value.
Like the Amex Platinum, the Chase Saphir Reserve also offers an annual travel credit, but it does is much easier to use than the Platinum Airline Fee Credit, which only applies to airline incidental purchases. Sapphire Reserve cardholders get a $ 300 travel credit each year which can be used for any travel purchase, including hotels, airline tickets, cruises, car rentals, taxis and more.And until 2021, purchases from gas stations and grocery stores also count towards this credit.
Related: Read CNN Underscored review on the Chase Sapphire reserve .
The data Chase Sapphire Reserve also comes with an airport Priority Pass Select subion, which provides access to over 1,200 lounges. airport in the world. Not only is this the same Priority Pass subion that comes with the Amex Platinum, but it's actually a bit better, as members of the Amex Platinum card don't have access to Priority Pass restaurants, unlike Sapphire Reserve card holders.
You will also benefit from a superb travel insurance when using the Chase Sapphire Reserve to pay for your trips, including trip interruption and cancellation insurance , Travel Delay Reimbursement for Protection (if your trip is delayed by six hours or more or requires an overnight stay), Primary Rental Collision Damage Insurance, Baggage Delay Insurance, Roadside Assistance, Lost Baggage Reimbursement, Travel and Travel Assistance emergency, travel accident insurance, emergency evacuation and transportation and emergency medical and dental coverage.
And in 2021, Chase Sapphire Reserve cardholders also receive up to $ 60 in statement credits on DoorDash purchases, and up to to $ 120 statement credits on eligible Peloton Digital or All-Access memberships. You'll also earn 3 points for every dollar spent on meals and travel (after applying your $ 300 annual travel credit).
While the Chase Sapphire Reserve costs $ 550 per year, it's pretty easy to recoup $ 300 with daily travel purchases throughout the year.effectively the fee is $ 250 - a more reasonable amount to pay for a card with VIP benefits - and you can reduce that amount even further if you can take advantage of DoorDash and Peloton credits.
Find out if the Chase Sapphire reserve is worth the annual membership fee.
Learn more and request the Chase Sapphire Reserve.
2. United Club Infinite Card
If you are an engaged United Airlines traveler, the United Club Infinite Card is a great option for a luxury travel experience. the card has an annual fee of $ 525, which is $ 170 less than the cost of the Amex Platinum card.
With the United Club Infinite Card , you will receive a United Club lounge membership, which even allows you to bring two guests or one other adult and all dependent children under the age of 21 to the clubs with you to eat, drink and relax before your flight.Please note that you must travel with United or a partner airline to access the lounge that day.
Related: Get more United Flyer miles frequently with these credit card offers. United Airlines Access United Clubs like the one at Chicago O 'Hare Airport with the United Club Infinite Card.
The United Club Infinite Card also offers a rebateurs fees up to $ 100 when requesting Global Entry or TSA PreCheck , up to two free checked bags per person for the cardholder and one other person on the same booking on United-operated flights and services Access Travel Cards, which give you access to designated airport check-in lines, exclusive security lines (if available), priority boarding, and priority baggage handling after check-in. landing your flight.
The holders of the United Club Infinite Card also earn 4 miles for every dollar spente on United purchases, including tickets, Economy Plus, onboard food, drinks and Wi-Fi, and other United charges. You'll also earn 2 miles per dollar on restaurant meals, qualifying delivery services, and all other travel, and 1 mile per dollar on all other card purchases.
Read CNN Underscored's list of the best credit cards for travel with United Airlines.
Learn more and apply for the United Club Infinite card.
3. Delta SkyMiles® Reserve American Express Card
Now if you are a Delta flyer you might prefer the Delta SkyMiles Reserve American Express Card . Similar to the United Club Infinite Card, you will also receive lounge access (in this case Delta Sky Clubs), a Global Entry or TSA PreCheck reimbursement and waiver of baggage fees.
Even better, with the Delta Reserve Amex , you will have access to the exclusive Amex Centurion Lounges when traveling on Delta This is a great advantage to have on a card that costs less than the Amex Platinum, and depending on where you typically fly to and from, it could lead to significant savings.
With the Delta Reserve Amex , you will also receive one free checked baggage on all flights operated by Delta for you and up to eight companions booked on the same tank and access to free upgrades.on Delta flights - two perks you don't get with the Amex Platinum card.
Related: Read CNN Underscored review of the Delta SkyMiles Reserve card. American ExpressGet free checked baggage and free upgrades on Delta flights with the Delta Reserve Card.
And while the Delta Reserve Amex charges a fee tonnuals of $ 550 (see fares and fees ), from the second year you have the card, you will receive an annual companion certificate that you can use for domestic tickets in first class or in the main cabin 1 This benefit alone can easily help offset annual card fees, while also improving your travel experience.
Amex also recently added cell phone protection at Delta Rese dream Amex . If you payz your monthly cell phone bill with Delta Reserve, you can be reimbursed up to $ 800 if your phone is lost or stolen, up to two claims per year. This is the same coverage you get with the Amex Platinum, but with a lower annual fee.
These are our favorite credit cards for Delta travelers in 2021.
Learn more about the Delta SkyMiles Reserve American Express card.
4. Map Hilton Honors American Express Aspire
If you are looking for a hotel specific credit card, then the The Hilton Honors American Express Aspire Card is one of the best when it comes to benefits. With an annual fee of $ 450 significantly lower than the Amex Platinum, the benefits can easily outweigh the cost.
L ' one of the best advantages of The Hilton Aspire card is automatically Hilton Honors Diamon statusd, Hilton's top elite status level. This gives you space-based upgrades, lounge access, daily food and drink credit at U.S. hotels (or continental breakfast at non-U.S. hotels) plus your fifth night free on premium stays. While the Amex Platinum also grants you automatic Hilton Elite status, this is only mid-level Gold status, not top-tier Diamond level.
Related: Increase your Hilton Points Balance with these credit card offers. Hilton HotelsYou will enjoy Premier Elite status with the Hilton Aspire Card when you visit sites like the Hilton Washington Dulles Airport hotel.
The Hilton Aspire card also includes up to $ 250 in annual credits on the statement from the Hilton hotel and up to $ 250 in Airline Fee Credits each year.These credits alone can easily get you a good head start on the cost of the annual card fee In addition, you will get a free weekend night certificate every year from the second year you own the card, which further increases the value of the card.
And while this is a hotel-based credit card, you will also receive a Priority Pass Select airport lounge membership with unlimited visits that matches that of the Amex Platinum, and even the same cell phone protective cover as Platinum.
Check out our favorite credit cards for use at Hilton hotels in 2021.
Learn more about the Hilton Honors American Express Aspire Card.
5. Marriott Bonvoy Brilliant ™ American Express® Card
For another option when it comes to luxury ho such as credit cards, you can also consider the Marriott Bonvoy card Brilliant American Express® , especially if you're loyal to the Marriott brand.
With $ 450 annual subion (see rates and fees ), you will receive up to $ 300 in Marriott credits each year and,From your second year, you have the card, one free night that can be used at any Marriott property up to a value of 50,000 points. These two annual benefits alone can help offset the annual fee completely if you can take advantage of both.
Related: Read CNN Underscored's review of the Marriott Brilliant American Express card . iStockYou can get Marriott Elite status for much less than the Amex Platinum when you have the Marriott Brilliant Amex card.
With the Marriott Brilliant , you will also receive free Marriott Gold Elite status - the same status you get with the Amex Pla card. Tin. While this is not Marriott's premier status, you will still receive 25% bonus points on stays, until 2 p.m. checkout when it is available and upgraded room upgrades. And if you're trying to earn Marriott Platinum Elite status, card members get 15 Elite Night Credits each calendar year to bring you that bit closer.
Finally, similar to the Amex Platinum card, you will receive a Priority Pass subion at the airport lounget selected, up to $ 100 in credits for Global Entry or TSA PreCheck and cell phone protection.
Check out our list of the best Marriott credit cards for 2021.
Learn more about the Marriott Bonvoy Brilliant American Express card.
Find out which CNN Underscored cards chose as best cards2021 credit .
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