The Best Luxury Credit Cards for 2022

Daniel Penzing
Written by
Last update:

The Best Luxury Credit Cards

Luxury credit cards are, by definition, some of the most expensive credit cards on the market from lenders. If you’re well off and you don’t mind showing off that fact, then you’re going to love these credit cards. If it’s just the right amount of luxury you want, then look elsewhere.

Some of the more expensive luxury credit cards carry high annual fees, but with benefits to show for it. I mean, what’s not to love about a yearly travel credit that allows you to deduct hundreds of dollars? There are even credit cards that you get annual credits toward your new membership of a high-end credit or the annual fee is waived. Or there will be credit cards that allow you to travel in style with first-class upgrades.

In the marketplace today, there are actually quite a considerable number of lenders offering a luxury credit card. There are cards that are put on the market by highly experienced credit card lenders like Capital One and Chase along with a number of other credit cards that are put on the market by local credit card lenders who just want a piece of the pie.

Chase Sapphire Reserve®

When you’re applying for credit cards, there are a lot of factors to consider. These days, it’s super-important to find a card that offers rewards you’ll actually use. But credit cards also have drawbacks, like a relatively high interest rate. Now, more than ever before, it’s super-important to find a good balance. Take a moment to read about the Chase Sapphire Reserve® Card … now one of TrustedTraveler’s favorites for 2022.

Citi® AAdvantage® Executive World Elite™ Mastercard®

The Platinum Card® From American Express

The Platinum Card® from American Express® is one of the best credit cards for business and is regularly named the most valuable credit card in the world and for good reason!

The benefits on this card are unreal, and often include things such as airline credits, rental car reimbursement, hotel credits, yearly airline point credits etc.

The annual fee may seem quite high, but when you add up the value of the benefits, the annual fee is well worth it.

If you travel a lot, the benefits alone on this card should be enough to make you want to sign up for the card.

The Gold Card® From American Express

Mastercard® Gold Card™

The Best Almost Luxury Credit Cards

By now, you should already know how useful and convenient credit cards can be, especially if you handle your finances responsibly and pay off your balance in full each month, so it’s no surprise that it’s becoming all the more important to make sure that you’re taking advantage of all that your credit card has to offer. With your increased income in the new year, why wouldn’t you want to be able to enjoy some added luxuries?

With that said, though, it’s important to know which credit cards are worth the added fee to make sure that you’re not spending more than you actually have to, and when you’re using the right ones, you should also be able to get a lot out of them.

Here are some of the best luxury credit cards for 2022.

Chase Sapphire Preferred®

Capital One® Venture® Rewards

Credit Card, What Debit card should I get, how to get lowest interest rate credit card, what is the best credit card for cash back, what is the best credit card for travel 2019.

The Capital One® Venture® Rewards Credit Card could be a great fit for your next credit card, but before you apply, it's a good idea to compare it with other rewards credit cards. Apply Now

Looking for the best credit cards for travel? Then you need to check out this comparison of the best travel credit cards in 2019. We break down the best for the adventuresome, the style-focused and the socialite so you can decide which travel rewards card is best for you before you apply. Apply Now

The best credit cards for students come with a low introductory APR, rewards and perks. In this guide we breakdown 5 top student credit cards and compare them to give you help make a good choice for your situation. Apply Now

The best balance transfer credit cards come with the lowest interest rates, and this guide breaks down the best offers and helps you compare offers to decide which one is best for you. Apply Now

The what debit card should i get? comparison is full of useful information and insights on the best debit cards for your situation. Check out the comparison of the best debit cards in 2019 and find a new the what debit card should i get? for 2019. Apply Now


Luxury credit cards are an amazing option for those who want to enjoy luxury throughout their life. These credit cards will offer you rewards in the form of points that can be used in flights, stays, and dining experiences. They provide the status that any luxury card can give you and assist in relationships for those who are managing credit cards. For convenience, most premium credit cards are paired with a designated mobile app that helps the user manage their credit cards and points. Some luxury credit cards offer the extra benefits of cash back and no foreign transaction fees which is preferred in today’s world.

Before deciding on a card you should always take the time to evaluate each one and see which one will best fit your individual needs. Each one of these credit cards was chosen for a reason and their benefits will be seen in the everyday lives of their users.

These five luxury credit cards represent some of the best offers in the industry, and their benefits will only be seen on those who receive them. These cards will enhance your life in more ways than one, and will provide you with new experiences and adventures. Being a part of these communities with exclusive benefits will benefit all who receive them. There are lots more credit cards on the market, but the best, like the ones in this list, are hard to beat. Explore these options now and use them to take yourselves to new heights.