topic Re: Different Elite Premium Cards?m in Credit Cards

Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 01:26:33 GMT

Im planning for the future. Who are some banks, credit unions etc that have premium cards?

I know the usual like Amex, Chase, Capital One, I think i see Citi now has one, I think Barclays. But thats all I really know.

Do you all know the obscure premium card that may have a high fee but offer tons of benefits?

Id love to do some research but im hitting a block of when you search premium the same 5 to 8 cards pop up lol.

Re: Different Elite Premium Cards?m

DakotaM — Fri, 19 Dec 2025 01:46:13 GMT

Not necessarily obscure but often forgotten about since the points aren't transferable is the Bank of America Premium Rewards Elite. $550 annual fee but with $300 airline incidental credit (some online gift cards work!) and $150 lifestyle credits (Uber works). Still has unlimited priority pass including resturants when everyone else seems to be cutting something or other with that. Rewards by itself aren't anything impressive - just 2 points on travel and dining and 1.5 points on everything else. If you are a Platinum Honors member though, the 75% boost means 3.5 points on travel/dining and 2.62 points on everything else. Booking though their portal stacks another 20% discount, though I don't know how good their portal is.

Re: Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 01:51:05 GMT

Super cool! Thats what im looking for. More of that please

@DakotaM wrote:
Not necessarily obscure but often forgotten about since the points aren't transferable is the Bank of America Premium Rewards Elite. $550 annual fee but with $300 airline incidental credit (some online gift cards work!) and $150 lifestyle credits (Uber works). Still has unlimited priority pass including resturants when everyone else seems to be cutting something or other with that. Rewards by itself aren't anything impressive - just 2 points on travel and dining and 1.5 points on everything else. If you are a Platinum Honors member though, the 75% boost means 3.5 points on travel/dining and 2.62 points on everything else. Booking though their portal stacks another 20% discount, though I don't know how good their portal is.

Re: Different Elite Premium Cards?m

FicoMike0 — Fri, 19 Dec 2025 03:28:39 GMT

Navy has flagship

https://www.navyfederal.org/loans-cards/credit-cards/flagship-visa-signature.html

If you want more exclusive, there's ubs Visa infinite

https://www.ubs.com/us/en/wealth-management/our-solutions/banking/cards.html

Probably even harder to get is emirates nbd voyager

https://www.emiratesnbd.com/en/campaigns/voyager-credit-cards#apply

Probably should open an account next time in uae.

Re: Different Elite Premium Cards?m

ptatohed — Fri, 19 Dec 2025 04:26:34 GMT

OP, what features are you looking for?

Re: Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 11:56:49 GMT

Mainly hotel or Airlines. Transfer partners okay. Also looking for credits that can offset the AF. So im looking for cards similar to Chase Sapphire Reserved, Amex Platinum, Delta Skymiles Reserved, Hilton Aspire, Etc.

Big annual fees but big credits and lots of perks. If that makes since.

Re: Different Elite Premium Cards?m

dfwxjer — Fri, 19 Dec 2025 14:51:39 GMT

@Doubleimonster wrote:
Mainly hotel or Airlines. Transfer partners okay. Also looking for credits that can offset the AF. So im looking for cards similar to Chase Sapphire Reserved, Amex Platinum, Delta Skymiles Reserved, Hilton Aspire, Etc.

Big annual fees but big credits and lots of perks. If that makes since.

The CSR and Amex Platinum dominate those search results because they're the best options in that space for average every day people. Even the Delta Reserve/Hilton Aspire/every other hotel and airline specific card are far too siloed to their specific brand that they won't have the transfer options that the CSR and Platinum have. The BofA premium tier card isn't really worth it unless you're getting an amazing SUB, and the UBS card is notoriously hard to get.

But in keeping in line with the spirit of the thread, the UBS is definitely the more obscure card with excellent benefits that may even exceed the CSR/Platinum.

Re: Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 16:23:21 GMT

Awesome thanks! Trying to compile a list of great premium cards to look at. Im not eligible for Amex until I finish off the Optima payment plan (2028), plus a year of holding the Optima Card so (2029). So we talking 3 years from now. Unless I pay it off early.

Me and Citi not on good terms nor do I care to be at this time. I dont think Cap one will like me enough for a venture especially now since they have discover lol.

I never had chase, so if I can get my credit in order after my gardening phase ends in 2027/2028, I can look at that. Im just trying to get an idea of what is out there.

Barclays even when my credit was in the mid to high 700s they wouldn't even offer a basic card lol, let alone a high end card so I won't even attempt that.

I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.

Re: Different Elite Premium Cards?m

bs1234 — Fri, 19 Dec 2025 16:30:12 GMT

@Doubleimonster wrote:

I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.

The US Bank Altitude Reserve has amazing transfer partners! Well, maybe it does, they just haven't told us.....

Re: Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 16:33:37 GMT

@bs1234 wrote:
@Doubleimonster wrote:

I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.
The US Bank Altitude Reserve has amazing transfer partners! Well, maybe it does, they just haven't told us.....

Right. I noticed that too. But the crappie thing is, it sounds like even if I wanted the card, I couldn't get it haha. So say the partners were "amazing" as they claim. They not taking new applicants anyway lol.

Re: Different Elite Premium Cards?m

dfwxjer — Fri, 19 Dec 2025 16:34:11 GMT

@Doubleimonster wrote:
Awesome thanks! Trying to compile a list of great premium cards to look at. Im not eligible for Amex until I finish off the Optima payment plan (2028), plus a year of holding the Optima Card so (2029). So we talking 3 years from now. Unless I pay it off early.

Me and Citi not on good terms nor do I care to be at this time. I dont think Cap one will like me enough for a venture especially now since they have discover lol.

I never had chase, so if I can get my credit in order after my gardening phase ends in 2027/2028, I can look at that. Im just trying to get an idea of what is out there.

Barclays even when my credit was in the mid to high 700s they wouldn't even offer a basic card lol, let alone a high end card so I won't even attempt that.

I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.

Some unsolicited advice, feel free to ignore since it's not what you asked about, but I wouldn't worry about what's currently available since we have no idea what will be on the table in 2027-2028. As you've seen, products get nerfed, annual fees increase, etc.

What is good/great today could be completely different by the time you're looking to apply.

Re: Different Elite Premium Cards?m

Doubleimonster — Fri, 19 Dec 2025 19:46:30 GMT

@dfwxjer wrote:
@Doubleimonster wrote:
Awesome thanks! Trying to compile a list of great premium cards to look at. Im not eligible for Amex until I finish off the Optima payment plan (2028), plus a year of holding the Optima Card so (2029). So we talking 3 years from now. Unless I pay it off early.

Me and Citi not on good terms nor do I care to be at this time. I dont think Cap one will like me enough for a venture especially now since they have discover lol.

I never had chase, so if I can get my credit in order after my gardening phase ends in 2027/2028, I can look at that. Im just trying to get an idea of what is out there.

Barclays even when my credit was in the mid to high 700s they wouldn't even offer a basic card lol, let alone a high end card so I won't even attempt that.

I was trying to build with US Bank just approved for a secured card only to find there cards are getting nerfed and they no longer have a premium card to apply for hahaha.
Some unsolicited advice, feel free to ignore since it's not what you asked about, but I wouldn't worry about what's currently available since we have no idea what will be on the table in 2027-2028. As you've seen, products get nerfed, annual fees increase, etc.

What is good/great today could be completely different by the time you're looking to apply.

This true. I guess i was more so hoping for a general idea. Particularly with overall companies vs products I guess.