Platinum Elite Card

The Platinum Elite Card is the undisputed king of travel cards for serious frequent flyers. The 5x rate on flights is the highest in the market, and the 100,000-point welcome bonus (worth $1,250+ in travel) is a massive incentive. The $200 annual airline credit, Priority Pass lounge access, and 24/7 concierge service add hundreds of dollars in tangible value that can fully offset the $550 annual fee — but only if you actually use them. For travelers spending $15,000+/year on flights and hotels, the math works out decisively in this card's favor. The high APR is irrelevant if you pay in full monthly (which you should with any rewards card). Not recommended if you fly fewer than 6 times per year.