The cards in this hub typically require a 740+ FICO. They carry the highest welcome offers, the strongest perks, and the most premium benefits. If you have built the credit profile, these are the cards worth your application slots.
After the 2025 refresh this is a $795 credits machine with the best protections in the market. The math works if you use The Edit and the dining credit. If you will not, the Preferred keeps most of the earning power.
The 2025 refresh pushed the fee to $895 and the credit stack past $3,000 on paper. It pays for itself only if the credits match how you already spend. The 5x flight earning and lounge network remain the core.
The cheapest credible premium travel card, and the credit plus anniversary miles still roughly cover the fee. The February 2026 guest-access cut stings for families.
The mid-tier travel card most people keep for years. Transfer partners and strong protections at a $95 fee, with a meaningful refresh arriving June 15, 2026.
The benchmark business card. 3x on the categories small businesses actually spend on, and the points move to airlines and hotels.
The strongest hotel card in the market for anyone who actually stays at Hilton resorts. The free night plus credits exceed the $550 fee with ordinary use.
Best for businesses with concentrated, predictable spend that falls into the eligible 4x categories. Heavy users beat the fee comfortably.
Automatic Platinum Elite is the headline. The 85,000-point night and dining credit cover the $650 fee if you stay at Marriott even a few times a year.
