These Credit Cards With Sky-High Annual Fees Are Still Worth It

These luxury credit cards come with premium perks.

If you’re going to pay a credit card annual fee — especially if it’s $450 or more — you should make sure that the perks are actually worth it. From free Uber rides to complimentary hotel stays, these super-premium credit cards all offer top-notch perks that make them worth the price. Keep reading to find out more about these luxury credit cards you wish you could get.

Best Premium Credit Cards
Credit CardAnnual FeeBest Perk
Chase Sapphire Reserve$450$300 annual travel credit
The Platinum Card from American Express$550$200 in Uber credits annually
Citi AAdvantage Executive World Elite Mastercard$450Admirals Club access for authorized users
Hilton Honors American Express Aspire Card$450One weekend night reward every year
United MileagePlus Club Card$450United Club membership
Starwood Preferred Guest Luxury Card from American Express$450$300 SPG or Marriott Rewards statement credit
Delta Reserve Credit Card from American Express$450Annual Delta companion certificate

Chase Sapphire Reserve

  • What makes the credit card fee worth it: The $300 annual travel credit nearly covers the entire annual fee, plus you get lots of other perks.

The Chase Sapphire Reserve card will pay for itself in the first year if you spend $4,000 in purchases within the first three months from account opening — you’ll receive 50,000 bonus points, which are worth $750 when redeemed through Chase Ultimate Rewards for airfare, hotels, car rentals and cruises.

Even after the first year, you’ll receive an annual travel credit that helps offset the $450 annual fee, and you’ll receive a statement credit of up to $100 every four years to cover the fee for Global Entry or TSA Precheck. Plus, you get rewards points with every purchase: three points for every $1 spent on travel and dining worldwide, and one point for every $1 spent on all other purchases. Points can be redeemed for travel and other rewards, and can also be transferred to numerous airline and hotel loyalty programs.

The Platinum Card From American Express

  • What makes the credit card fee worth it: The $550 annual fee includes a $200 annual airline fee credit, free Uber rides and a $75 hotel credit.

With the Platinum Card from American Express, you’ll earn five points for every $1 spent on flights and hotels booked through American Express Travel, and one point per $1 on all other eligible purchases. You also get up to $200 in credits that can be used to cover checked bags and in-flight meals on qualifying airlines, $15 per month in Uber credits, a $75 hotel credit, unlimited WiFi access through Boingo, premium roadside assistance, complimentary access to over 1,100 airport lounges, hotel benefits valued at an average of $550 at over 1,000 Fine Hotels & Resorts locations, statement credits for Global Entry and TSA Precheck fees every four years and premium global assistance for medical, legal, financial and other needs.

The card also has an attractive sign-up bonus that can cover the cost of the annual fee in the first year: When you spend $5,000 on purchases in the first three months, you’ll receive 60,000 Membership Rewards Points, which can be redeemed for up to $600 toward travel.

Premium Credit Card Face-Off: Chase Sapphire Reserve vs. Amex Platinum

Citi AAdvantage Executive World Elite Mastercard

  • What makes the credit card fee worth it: The annual fee is less than the cost of an Admirals Club membership for AAdvantage members.

If you’re a frequent flyer on American Airlines and want to become an Admirals Club member, you’re better off applying for the Citi AAdvantage Executive World Elite Mastercard than paying for the membership on its own: The cost for an individual membership is as much as $550 through Jan. 31, 2019, and rates will increase to as much as $650 beginning in February, whereas the annual fee for this card is $450.

The card also comes with additional perks, including Global Entry or TSA Precheck application fee credits, the first checked bag free on domestic American Airlines flights for you and up to eight companions, 25 percent savings on in-flight food and beverage purchases on American Airlines, and priority boarding, check-in and airport screening on American Airlines flights. In addition, you’ll earn two miles for every $1 spent on eligible American Airlines purchases, and one mile for every $1 spent on all other purchases.

Hilton Honors American Express Aspire Card

  • What makes the credit card fee worth it: The $450 annual fee includes weekend night rewards, complimentary Diamond status and up to $250 in statement credits for purchases at Hilton resorts each year.

If you often stay at Hilton properties, the Hilton Honors American Express card could be a good choice. Earn 14 Hilton Honors Bonus Points for every $1 spent at participating Hilton hotels and resorts; seven points for every $1 spent on flights, car rentals and restaurants; and three points for every $1 spent on all other eligible purchases.

Being a cardholder automatically bumps you to Diamond status, which means you’ll earn 100 percent extra Bonus Points on all base points that you accumulate, room upgrades and more. You also get one weekend night reward every year, and up to $250 in statement credits that can be used toward eligible purchases at Hilton resorts. Other benefits include up to $250 in airline fee credits, up to $100 in credits for charges made at Hilton resorts and hotels, and complimentary Priority Pass Select lounge access for you and up to two guests.

American Express Review: Compare 9 Different Travel Rewards Cards

United MileagePlus Club Card

  • What makes the credit card fee worth it: The card includes United Club membership, which has a value of up to $550 per year.

The United MileagePlus Club Card gives you access to United Club locations and Star Alliance-affiliated lounges worldwide, so the card can pay for itself. You also get two checked bags free on United flights for you and a companion. With this card, you’ll earn two miles for every $1 spent on tickets purchased from United, and 1.5 miles for every $1 spent on all other purchases. And, when you spend $3,000 on purchases in the first three months, you’ll get 50,000 bonus miles.

Starwood Preferred Guest Luxury Card From American Express

  • What makes the credit card fee worth it: The $450 annual fee includes a yearly free night award, complimentary Gold Elite status and up to $300 in SPG or Marriott Rewards statement credits each year.

With this hotel rewards card, you’ll earn six points per $1 spent at participating SPG and Marriott Rewards hotels, three points for every $1 spent at restaurants and on flights, and two points for every $1 spent on all other eligible purchases. You also get up to $300 annually in SPG or Marriott Rewards statement credits, and a Free Night Award every year on your card account anniversary. The card also comes with Priority Pass Select lounge access for you and up to two guests, statement credit for Global Entry or TSA Precheck fees, premium internet access and more. New cardholders can get 75,000 bonus points when they spend $3,000 on purchases within the first three months.

Find Out: Is the SPG Amex Dethroning the Chase Sapphire Reserve?

Delta Reserve Credit Card From American Express

  • What makes the credit card fee worth it: The card includes Delta Sky Club membership, which costs $545.

There are plenty of perks for Delta flyers with this premium airline rewards card. You’ll earn two miles per $1 spent on Delta purchases, and one mile per $1 spent on all other eligible purchases. Miles can be used toward Delta and airline partner flights. Travelers with the Delta Reserve Credit Card also get Delta Sky Club access, concierge services and a first-class, Delta Comfort+ or main-cabin companion certificate each year for domestic round trips. As a sign-up bonus, you’ll earn 10,000 Medallion Qualification Miles and 40,000 bonus miles when you spend $3,000 in the first three months.

Click through to read about the most exclusive black cards you don’t know about.

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GOBankingRates.com identified the best premium credit cards with annual fees that are worth the price by analyzing purchase APRs, rewards and offers. All fees and rates are subject to change at the credit card issuers’ discretion, and some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack, Inc., an online marketing company serving top-tier banks, credit unions and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack, Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of GOBankingRates alone and have not been reviewed, approved or otherwise endorsed by the companies included in the article.

About the Author

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and People.com. Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.