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.
This Luxury Card review is a must-read if you like credit cards that pamper. Not only will you find out how this trio of stunningly beautiful metal cards cushions all the tiresome traveling and shopping your lifestyle demands, but you’ll also learn about the premium credit cards competing for your affection.
We’ll show you the best since, for some, only the best will do.
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Luxury Card With the Best Redemption Rates
The gold-plated Mastercard® Gold Card™ weighs an extraordinary 22 grams. Acquiring it will cost you and your significant other triple digits, but you’ll receive good value for airfare and cash back redemptions.
- 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.
You receive VIP travel benefits, including complimentary lounge access and a subscription to Luxury Magazine, that enhance your experiences and save you money. Luxury Card Concierge stands ever-ready to help with your personal requests, travel bookings through Luxury Card Travel, resort reservations, and access to exclusive events.
Luxury Card With the Best Cost/Benefit Tradeoff
You may prefer the Mastercard® Black Card® for its more reasonable annual fee. It still offers the top rate on airfare redemptions, although it scales back its cash back rewards and annual airline credit.
- 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.
As with all Luxury Cards, this one may offer a 0% intro APR to new cardmembers from time to time, and it never charges a foreign transaction fee. Luxury Card Concierge can procure entry to the best spa services and five-star restaurants anywhere you travel. No review of this card would be complete without mentioning the substantial fee for adding an authorized user.
Luxury Card With the Lowest Annual Fee
The Mastercard® Titanium Card® is the trio’s bargain option but still provides the same high airfare redemption rate: 50,000 points will get you a $1,000 ticket on any airline with no seat restrictions or blackout dates.
- 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.
You won’t sacrifice any of your fabulous Luxury Card Concierge privileges with this card, from booking tee times to arranging flower deliveries. You also receive a subscription to Luxury Magazine and free insurance against trip cancellations and interruptions, travel accidents, and rental car collisions.
What Is Luxury Card?
Luxury Card LLC, a global leader in the premium credit card market, owns the three Luxury Cards and licenses Barclays Bank to issue them. More than 8 million retailers in 210 countries accept these Mastercards.
Barclays has offices in the United States, China, Japan, and the Netherlands. These heavyweight cards have garnered 70 patents worldwide for their unique design and construction.
The Luxury Cards reward travelers with a high travel redemption rate and first-class concierge services, available online, over the phone, through the Luxury Credit Card app, or via email. The in-house travel program provides an average value of $500 per stay in benefits and services at more than 3,000 properties worldwide.
The Luxury Cards may offer a 0% intro APR on balance transfer transactions. Note that each balance transfer incurs a transaction fee.
How Do I Get a Luxury Card?
You can visit the Luxury Credit Card website to apply for any of its cards. You must be at least 18 years old and live in the United States or its territories to be eligible.
You can’t get a new card if you currently or previously had an account with Luxury Card. While never explicitly stated, you need good or excellent credit and a healthy income to qualify for a Luxury Card.
Barclays Bank performs a hard credit inquiry when you apply for any of these cards, triggering a small point drop and a two-year annotation on your credit report. You must provide your name, street address, date of birth, Social Security number, and other personal information. You may also have to supply proof of citizenship and copies of identifying documents,
How Do I Redeem Luxury Card Rewards?
Luxury Cards provide points rewards that you can redeem in several ways:
- Airfare rewards: You can redeem your points for a scheduled, nonrefundable ticket on a participating major airline carrier. You must book your air travel through Luxury Card Travel. Redemptions start at 50 points ($1.00) and continue in 50-point increments after that.
- Cash back: You can get a statement credit in increments of 66 points ($1.00). You can’t combine cash back with other rewards. It will take five to seven business days to receive your credit, which you can apply against your account balance but not your minimum payment.
- Gift cards: You can redeem points for gift cards at a 1% rate, subject to change at any time. For example, you need 5,000 points for a $50 gift card. You’ll receive your gift card via standard mail, but you can pay an extra fee for expedited delivery. You cannot exchange or transfer gift cards.
- Hotel/car rental certificates: These are subject to the same rules as those for gift cards. You can use them at participating locations through the printed expiration date.
- Merchandise shopping: You can redeem your points for merchandise delivered by standard mail with a four- to six-week lead time. Items are subject to availability and substitution.
You can redeem points online anytime at myluxurycard.com. You can also call the Rewards Service Center at 844-724-2500, option 1, between 7:00 AM and 9:00 PM Monday through Friday and between 9:00 AM and 9:00 PM Saturday and Sunday, Eastern Time to redeem points.
Your points won’t expire while your account remains open and in good standing. You cannot earn or redeem points in billing cycles when your payment is late or your account is delinquent. You may forfeit your points if you:
- Allow your account to become seriously delinquent or go into default
- You or the bank close the account
- You engage in fraudulent activity
The credit card issuer cannot reinstate forfeited points.
What Credit Score Do You Need For a Luxury Card?
You need good to excellent credit to get a Luxury Mastercard. Although the translation to a FICO score is imprecise, you should have a credit score of at least 720 to apply.
But you may still qualify with a lower score since part of the decision by the credit card issuer depends on your income, spending levels, employment history, and debts. A record of on-time bill payments is essential.
We have no proof, but it can’t hurt your approval chances if you have a pre-existing account in good standing with Barclays Bank.
What Credit Limit Can I Get From a Luxury Card?
Of the three, the Mastercard® Gold Card™ no doubt has the highest credit limit (to accompany its annual fee, which is also the highest). The card belongs to the World Elite Mastercard collection, giving it a minimum credit limit of $5,000.
We expect that you can get a $10,000 limit without too much fuss, and much higher limits are probably available if you have the income. We’ve seen other World Elite Mastercards with credit limits of up to $100,000.
Which Credit Cards Directly Compete With Luxury Card?
Luxury Card faces stiff competition in the premium travel card space. Most of these rivals offer better perks for less cost.
- 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.
The Chase Sapphire Reserve® has a steep price tag, though well below that of the Mastercard® Gold Card™. But it more than pays for itself through its generous rewards, travel rebates, annual airline credit, and extensive protections and conveniences.
Your Chase Ultimate Rewards points gain extra value when you redeem them through Chase Travel, and you receive a travel credit each anniversary year. The card offers the best travel insurance coverages available, including a primary collision damage waiver on rental cars.
- 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
The Platinum Card® from American Express is an excellent choice for travel rewards. Its high annual fee helps pay for hotel stays, airline and baggage fees, digital entertainment, and discounts at select merchants.
The card offers exclusive deals from American Express Travel and does not charge a foreign transaction fee. It also insures you against trip delays, cancellations, and lost baggage.
- Earn as high as 100,000 Membership Rewards® points after you spend $8,000 in purchases on your new card within the first 6 months of card membership. Welcome offers vary and you may not be eligible for an offer.
- Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants on up to $50,000 per year in purchases, 5X points on prepaid hotels booked through AmexTravel.com or Amex Travel App™, 3X points on flights booked through AmexTravel.com or Amex Travel App™ or directly through airlines, and 2X points on prepaid car rentals booked through AmexTravel.com or Amex Travel App™ and cruises booked and paid through AmexTravel.com.
- No foreign transaction fees
- $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at participating partners. This can be an annual savings of up to $120. Enrollment required.
- Take advantage of a $100 credit towards eligible charges at over 1,300 upscale hotels worldwide every time you book The Hotel Collection through AmexTravel.com or Amex Travel App™
- $325 Annual Fee
The American Express® Gold Card competes head-on with the Mastercard® Titanium Card®. It charges a moderate annual fee and offers bonus points for the flights you book directly with airlines or Amex Travel.
Perks include car rental loss and damage insurance, baggage insurance, personalized travel services, and no foreign transaction fees. You earn top rewards when you use the card to pay for restaurant dining and supermarket shopping.
- 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
Priced well below the Mastercard® Black Card®, the Capital One Venture X Rewards Credit Card provides a signup bonus and better rewards. Both cards offer the same anniversary credit, but Venture X also gives you an annual reimbursement for bookings through Capital One Travel.
Although either card gives you access to participating Priority Pass™ lounges, only Venture X can get you into a Capital One Lounge. You can transfer the points from this Visa Infinite card to more than a dozen travel partner programs.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Additional Disclosure: Citi is a CardRates advertiser.
The Citi Strata Premier® Card has replaced the Citi Prestige Card as the bank’s leading travel card. The card charges a remarkably low annual fee yet offers a generous signup bonus.
You can redeem your reward points directly or transfer them to select airline frequent flyer programs such as JetBlue TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines Kris Flyer. Benefits include free addition of authorized users, access to Citi Entertainment, digital wallet compatibility, and contactless pay.
- Earn 150,000 Hilton Honors Bonus Points after you spend $6,000 in purchases on the card within your first 6 months of Card Membership
- Earn 14X points on hotels and resorts in the Hilton portfolio
- Earn 7X points on select travel, including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies, and at US restaurants, including takeout and delivery. Earn 3X points on other eligible purchases.
- Enjoy complimentary Hilton Honors™ Diamond status with your Card
- Enjoy an Annual Free Night Reward from Hilton Honors in your first year of Card Membership and every year upon Card renewal
- $550 Annual Fee
The Hilton Honors American Express Aspire Card offers Hilton Honor points and resort credits, annual airline purchase credits, and Diamond Elite status. You earn Hilton Honor points at any Hilton property, including Waldorf Astoria, Conrad, and DoubleTree.
This card offers excellent perks for flights, hotels, and US restaurants.
What Is the Most Elite Credit Card in the World?
The American Express Centurion Card was the original Black Card and is still the hardest to acquire. It is a millionaire’s card, a favorite of executives and celebrities, and available by invitation only. Excellent credit alone isn’t enough to qualify for the American Express Centurion Card.
Amex designed the card for wealthy shoppers who charge hundreds of thousands of dollars on yearly purchases. The eye-watering initiation and annual fees discourage all but the wealthiest consumers.
Interestingly, the card’s benefits (other than its astronomical spending limit) fall well below those of Chase Sapphire Reserve, one of the best credit cards for travelers.
Does Luxury Card Offer a Business Credit Card?
As of yet, Luxury Card has not introduced any business credit cards. While you wait, consider these three excellent business cards.
- 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 Ink Business Preferred® Credit Card has a generous signup bonus and its travel reward rate exceeds that of the Luxury Cards for the first $150,000 of spending on select categories. We think it’s the best business card value in this credit card review.
As with the Chase Sapphire Preferred® Card, this card’s rewards points gain 25% more value when you redeem them through Chase Travel℠. You can authorize cards for your employees at no additional cost. The card charges no foreign transaction fee, and you can transfer your points 1:1 to a participating frequent travel program.
- Earn 200,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of card membership
- Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, 1.5X points on business categories and purchases of $5,000 or more on up to $2 million per calendar year, and 1X point for each dollar you spend on other purchases.
- Get up to $400 back per year toward U.S. purchases with Dell Technologies, up to $360 back per year for purchases with Indeed, and $120 back per year for wireless telephone service purchases on the Business Platinum Card, plus additional credits. Enrollment is required for all.
- Access to more than 1,400 lounges across 140 countries and counting with the American Express Global Lounge Collection®
- Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Business Platinum Card® Account.
- $695 Annual Fee
The annual fee for the The Business Platinum Card® is about the same as the Mastercard® Black Card®‘s, but its rewards are superior. The card offers a substantial signup bonus, and you get maximum points when you book flights and prepaid hotels through American Express Travel.
This business card’s Pay Over Time feature provides new cardowners with a 0% intro APR on purchases for a set period. You also receive a credit for Global Entry or TSA Pre-Check fees and another credit for incidental airline charges, such as checked bags and in-flight refreshments.
- Earn 175,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle, including 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, and U.S. purchases at gas stations, restaurants, or for shipping. Applies to the first $150,000 in combined purchases from these 2 categories each calendar year.
- Earn 3X Membership Rewards® points on flights and prepaid hotels and prepaid flight + hotel packages booked on AmexTravel.com using your Business Gold Card.
- Earn 1X Membership Rewards® points on other purchases
- $375 Annual Fee
The Business Gold Card costs more than the Luxury Card Titanium Mastercard. Still, it delivers more, including a welcome bonus and a higher rewards rate on your two favorite merchant categories. Moreover, your points gain value when you use them to book a flight through American Express Travel.
This business version of the American Express® Gold Card doesn’t charge a foreign transaction fee and offers a credit for qualifying activities. You also receive complimentary insurance for baggage, trip delay, and rental cars.
A Luxury Card to Match Your Budget
The Luxury Card collection offers a credit card for almost every budget. Undeniably, Luxury Cards are beautiful to behold, and will likely boost your prestige among your impressionable friends. But no Luxury Card review would fail to mention the rather ordinary perks these cards deliver.
We suggest you consider the alternatives before deciding on the best credit card for your needs, especially if you’re seeking the most value for your money.
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