Writer: Eric Bank
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
Disclosure: When you apply through links on our site, we may earn a referral fee from our partners. For more, see our ad disclosure and review policy.
In this article, we pit the Chase Sapphire Reserve® vs. Luxury Card trio. The Chase card is one of our top-ranked travel cards, setting the standard for rewards and benefits.
Luxury Card may be a name new to many of you — it is a collection of three premium World Elite Mastercards from Barclays Bank. They, too, offer excellent perks. It’s three against one in this showdown, so let’s get ready to rumble.
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All About the Chase Sapphire Reserve®
Weighing in at 13 grams of metal, the Chase Sapphire Reserve® card delivers value that far exceeds its annual fee. It caused quite a stir when it hit the scene in August 2016 with its colossal signup bonus, generous yearly travel credit, and bonus points for spending on travel and dining.
Social media was ablaze, with one 45-second video of a cardmember unboxing the card garnering more than 20,000 views. Chase scored a bonanza, exceeding its 12-month shipment forecast in only two weeks.
The card spurred issuers, including Citibank and American Express, to relaunch their premium cards. But the Chase Sapphire Reserve® card remains the travel rewards leader. That’s due, in part, to the bump in value its points receive when you redeem them for travel through the Chase website.
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Reserve® was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
Chase Sapphire Reserve® and its little brother, the Chase Sapphire Preferred® Card, offer many travel protections to cover canceled and interrupted flights, lost luggage, and damage to a rental car.
The low end of its APR range is competitive with other cards targeting consumers with good to excellent credit. You can transfer your Ultimate Rewards points 1:1 to other loyalty programs such as Hilton Honors.
The Reserve is a Visa Infinite card, on par with Chase’s United Club Infinite Card. The Preferred card has not yet achieved Visa Infinite status, remaining a Visa Signature card for now. You can redeem the Preferred’s Ultimate Rewards points for 25% more value when used for travel purchases on the Chase website.
The Three Luxury Cards
Black Card LLC launched the Visa Black Card in 2008, rebranding it as a Mastercard in 2016. It added the Gold and Titanium versions in that same year, with different annual fees, rewards, and perks.
All three Luxury Cards are metal heavyweights (22 grams), composed of carbon fiber and stainless steel. The Gold version gets its sparkle from the addition of 24-karat gold.
The stated mission of Luxury Card is “to shape the industry through innovation, value, and service.” Read on to see how well these products have met the challenge.
- Redeem at 2% value for airfare and 2% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $1000 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $300 Annual Airline Credit: Receive up to $300 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- $200 Annual Dining Credit: Get up to $200 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- $200 Ship&Play Credit: Send your belongings ahead of time with Ship&Play and receive up to $200 in credits annually.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Made with 24K Gold®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $1,199 ($349 for each Authorized User). Terms and conditions apply.
The Mastercard® Gold Card™ is the high-end member of the Luxury Card trio. It provides many of the same kinds of travel benefits as the Sapphire Reserve (albeit with a higher annual fee). It also delivers Luxury Card Travel perks when you stay at participating hotels and resorts.
You should receive next-day delivery of your new Mastercard® Gold Card™. You can redeem points for travel (airfare, hotel, and car rentals), a direct deposit to a US checking or savings account, a statement credit, a gift card/certificate, merchandise, or a unique experience.
- Redeem at 2% value for airfare and 1.5% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $750 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- $200 Annual Airline Credit: Receive up to $200 in annual air travel credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more.
- $100 Annual Dining Credit: Get up to $100 in annual statement credits when you use your Luxury Card at qualifying restaurants.
- Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Black-PVD-Coated Metal Card and Made of Stainless Steel®: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its stainless steel, contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual Fee: $699 ($249 for each Authorized User). Terms and conditions apply.
The mid-tier Mastercard® Black Card® costs a little less than the Sapphire Reserve. Compared with the Mastercard® Gold Card™, this card offers slightly lower cash back rewards on non-travel purchases and a smaller annual airline credit.
Other perks remain the same, including free Priority Pass Select membership, Luxury Card Travel benefits, 24/7 concierge, and a reimbursement credit for the Global Entry application fee.
- Redeem at 2% value for airfare and 1% for cash back. Just 50,000 points will get you a $1,000 ticket on any airline or $500 cash back, issued as a direct deposit statement credit.
- Earn 2X points on Airfare and Hotel reservations booked through LuxuryCardTravel.com. One point for every one dollar you spend for all other categories, earning points every time you spend.
- 24/7 Luxury Card Concierge®: Exclusive to Cardmembers. Your busy life never stops, and neither do our Luxury Card Concierge agents. Enjoy around-the-clock lifestyle management and planning support tailored to your specific needs—and designed to save you time. Our personalized one-on-one service delivers solutions, suggestions and even surprises to make every day exceptional. Book the trip. Get the reservations. Score the tickets.
- With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
- Brushed Metal Card: Beautifully crafted and exceptionally premium, Luxury Card is a statement piece designed to stand out in the most refined way. Weighing in at an impressive 22 grams, its contactless patented card design and metal construction raises the standard. Carry a card with distinction.
- Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
- Annual fee: $299 ($149 for each Authorized User). Terms and conditions apply.
The Mastercard® Titanium Card® has the lowest annual fee of the Luxury Card trio but still delivers valuable travel and concierge benefits. It pays a non-travel membership reward rate below that of the Mastercard® Black Card®, includes Priority Pass membership, but omits Global Entry reimbursement and the annual airline credit.
Similar to its two siblings, the Titanium entry provides cardmembers with Luxury Gifts from some of the world’s most iconic brand names. You also get LUXURY MAGAZINE, the exclusive publication covering various subjects, including travel, fashion, real estate, vehicles, and technology.
Top Alternative Elite Credit Cards
The following three cards spice up the competition for cardmembers who demand elite travel benefits and generous membership rewards. There’s even one from Chase for small business owners.
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
- Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
- Earn unlimited 2X miles on all other purchases
- Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
- Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
- Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Top rated mobile app
The Capital One Venture X Rewards Credit Card gives you free, unlimited access to Capital One and participating Priority Pass™ lounges, offering relaxation rooms, high-speed wifi, and healthy, chef-inspired food.
As with Chase Sapphire Reserve®, this card provides primary collision damage waiver insurance for rental cars. It offers a generous anniversary miles bonus, plus many other travel, dining, and entertainment benefits. You can use the card to book your travel purchase through Capital One Travel.
- Earn 175,000 Membership Rewards® points after you use your new card to make $8,000 in purchases in your first 6 months of Card Membership
- Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com.
- $600 annual hotel credit, $200 annual airline fee credit, $200 per year Uber cash credit, $300 per year digital entertainment credit, and more.
- Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection®, including 1,550 airport lounges.
- Apply with Confidence: Know if you’re approved for this Card with no credit score impact
- Fee Credit for Global Entry, TSA PreCheck®, CLEAR® Plus Membership
Not to be outdone, The Platinum Card® offers attractive benefits and rewards through American Express Travel, including the widest variety of airport lounges via its Global Lounge Collection, including Priority Pass™, Centurion, and Delta Sky Club® lounges. The Platinum Card® directly competes with the Chase Sapphire Reserve®.
The Amex Platinum card weighs in at 17 grams and provides Membership Rewards® points and several statement credits, including Global Entry or TSA PreCheck fees, certain US streaming subscriptions, Uber, and more. You can receive around-the-clock assistance from American Express Travel and make travel arrangements through the Amex Travel website with minimal hassles.
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
- Points are worth more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Ink Business Preferred® Credit Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
The travel protections from the Ink Business Preferred® Credit Card are on par with those from Chase Sapphire Reserve®. It may be the best business credit card for trip interruption and cancellation insurance and competes with cards such as the more expensive Delta SkyMiles® Reserve Business Card.
This business card provides primary collision damage waiver (CDW) insurance on vehicles you rent for business; otherwise, coverage is secondary in the United States but remains primary elsewhere. Cellphone theft and damage coverage extends to employees listed on the business owner’s monthly bill.
Who Issues the Luxury Cards?
Barclays Bank issues Luxury Cards under license with the card owner, Luxury Card LLC (renamed from Black Card LLC). The owner has offices in the US, Japan, China, and the Netherlands.
More than 8 million retailers in 210 countries accept Luxury Cards. The cards do not charge foreign transaction fees.
Is Chase Sapphire Reserve® a Luxury Card?
Chase Sapphire Reserve® delivers luxurious benefits, but it is not a product of Luxury Card LLC. The same is true for The Platinum Card®, the Capital One Venture X Rewards Credit Card, and the Ink Business Preferred® Credit Card.
All of the reviewed cards provide elite benefits and rewards centered around the needs of travelers. Each also charges an annual fee that ranges from moderate to outrageous.
Unless you travel frequently or want to save up points for an expensive trip, you may find these cards too rich for your budget. Several offer significant non-travel benefits (e.g., purchase protection, cellphone insurance, etc.), but you don’t have to endure three-digit annual fees to get these perks.
If you do travel often, you can easily justify owning any of these credit cards. Most offer access to airport lounges (a must for luxurious travel), trip and travel insurance, and hefty rewards for travel purchases. Sprinkle on travel credits and reimbursements, and you have luxury credit cards that justify their fees.
How Do I Get a Luxury Card?
The Luxury Card website is all too happy to take your application for any of its cards. You must be at least 18 years of age and reside in the US or its territories to apply. You may be ineligible for the card if you currently or previously had an account with Luxury Card.
More to the point, you must meet the cards’ credit and income criteria. While the issuer doesn’t spell out the exact requirements, we expect you will need a good to excellent credit score and a healthy income to qualify.
Barclays does a hard pull of your credit reports when you apply for any of its cards. Your credit score may slightly drop and you will see an annotation on your credit report that will remain for two years.
When you apply for an account, the issuer asks for your name, street address, date of birth, Social Security number, and other information that allows it to identify you. It may also ask to see copies of identifying documents and proof of citizenship.
How Do Luxury Card Benefits Compare to Chase Sapphire Reserve Benefits?
To give Luxury Card every advantage, I’ll compare the top-of-the-line Mastercard® Gold Card™ (MGC) benefits against those from Chase Sapphire Reserve® (CSR). I won’t compare rewards since they are subject to frequent change without notice.
Conclusion: Chase Sapphire Reserve® offers better benefits than the Mastercard® Gold Card™ and does so with a lower annual fee.
What Credit Score Do You Need to Get a Luxury Card?
Our friends at WalletHub estimate you need a credit score of 700 or higher to get a Luxury Card. We always point out that these are just estimates. You may be approved with a lower score or rejected with a higher score.
If your score is around 700, you may want to raise it to 720 before applying. You may do so quickly by signing up for Experian Boost or a similar service.
The same source pegs the minimum acceptable credit score for Chase Sapphire Reserve® at 750. We found that half of the card’s owners had a score above 760. You generally need a very good to excellent score for this card.
If you want a Sapphire card but are a little short on credit score, consider the Chase Sapphire Preferred® Card. NerdWallet puts its minimum score at 690.
- Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost – each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
Additional Disclosure: Non-Monetized. The information related to Chase Sapphire Preferred® Card was collected by CardRates and has not been reviewed or provided by the issuer of this product/card. Product details may vary. Please see issuer website for current information. CardRates does not receive commission for this product.
Bonus: The Chase Sapphire Preferred® Card delivers much of the goodness available from its Reserve sibling for a much smaller annual fee.
What is the Most Elite Credit Card in the World?
By most accounts, the award for elitism goes to the Centurion Card from American Express. You can’t even get the Centurion Card without an invite, although you can request Amex to consider issuing you one.
It helps to be a multimillionaire to get this card. Amex expects you to spend hundreds of thousands each year with it.
The annual fee is $5,000, and there is a $10,000 initiation fee (sort of a reverse signup bonus). It’s the card for someone who has everything.
Are the Luxury Credit Cards Worth It?
We think products other than Luxury credit cards offer better cost/benefit ratios. That’s not to denigrate any of the Luxury Mastercards. They each offer good rewards, and the top two provide a fair number of benefits.
It’s just that you can do better for less money.
In the end, value is in the eye of the beholder. The Mastercard® Gold Card™ certainly looks prestigious, and its heavy, gold-plated form certainly attracts looks. In other words, the card may be worth it to you.
We can make a stronger case for the Mastercard® Titanium Card® because of its lower annual fee. But Luxury Card stripped it of several valuable benefits, and other cards cost less yet deliver more.
We have no problem justifying the Reserve’s annual fee. The card offers more than enough value to warrant the cost, especially if you travel frequently. We especially appreciate that its Chase Ultimate Rewards points are worth 50% more when you redeem them for travel at the Chase website.
The Chase Sapphire Preferred® Card, with its moderate annual fee, is a slam-dunk winner in the cost/benefit sweepstakes. It’s hard to find another credit card that gives you equal or better benefits for the same price.
Similarly, the American Express® Gold Card offers many Platinum-like features at a lower cost. The annual fee for the Amex Gold Card is less than half that of its Platinum siblings. Amex Gold is an excellent choice for cost-conscious travelers.
Your Credit Card to Match Your Lifestyle
In the battle of Chase Sapphire Reserve vs. Luxury Card, Chase is the winner. But even so, the Luxury Card trio has a lot to like. It’s one of the few card lines that still offers cellphone insurance, and the hotel benefits it provides are quite valuable.
And if you happen to prefer cards from Mastercard or already have an account at Barclays Bank, a Luxury Card may tick all your boxes.
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