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Best Credit Cards for Luxury 2026

Updated February 16, 2026·CardStack Data Team
Quick Answer

The best credit card for luxury in 2026 is the Skypass Select ($450/yr annual fee). We compared 15 cards across rewards rates, fees, and benefits to find the top picks.

Top 15 Cards Compared
#CardFeeRateBonusNetwork
#1Skypass Select
US_BANK		$4501.0XN/Avisa
#2Cardless Qatar Infinite
FIRST		$4991.0XN/Avisa
#3Emirates Skywards Premium World Elite
BARCLAYS		$4991.0XN/Avisa
#4JetBlue Premier
BARCLAYS		$4991.0XN/Avisa
#5Delta SkyMiles Reserve Business
AMERICAN_EXPRESS		$5501.0XN/Avisa
#6Hilton Honors Aspire
AMERICAN_EXPRESS		$5501.0XN/Avisa
#7Premium Rewards Elite
BANK_OF_AMERICA		$5501.0XN/Avisa
#8AAdvantage Executive
CITI		$5951.0XN/Avisa
#9Strata Elite
CITI		$5951.0XN/Avisa
#10Delta SkyMiles Reserve
AMERICAN_EXPRESS		$6501.0XN/Avisa
#11Marriott Bonvoy Brilliant
AMERICAN_EXPRESS		$6501.0XN/Avisa
#12Business Platinum
AMERICAN_EXPRESS		$6951.0XN/Avisa
#13United Club
CHASE		$6951.0XN/Avisa
#14United Club Business
CHASE		$6951.0XN/Avisa
#15Sapphire Reserve
CHASE		$7951.0X125,000 pointsvisa
RelatedSkypass Select vs Cardless Qatar Infinite·Skypass Select Review·Cardless Qatar Infinite Review·Emirates Skywards Premium World Elite Review·JetBlue Premier Review·Delta SkyMiles Reserve Business Review
Frequently Asked Questions
What is the best credit card for luxury in 2026?
Based on our analysis of 15 cards, the top pick for luxury is the Skypass Select with a $450/yr fee.
How did you choose the best luxury credit cards?
We analyze data from 35+ verified sources including official card terms, rewards rates, annual fees, and benefits. Rankings are data-driven with no affiliate influence.
Are there no-annual-fee options for luxury?
Yes, many luxury cards come with no annual fee. Check the fee column in our comparison table above to find $0/yr options.
How often are these rankings updated?
Our rankings are updated regularly as card terms change. Last verified: February 16, 2026.
This ranking draws on data from 35+ independent sources. Rankings are data-driven with no affiliate influence on placement. Last verified on February 16, 2026. Full methodology: cardstack.co/methodology.