re looking for premium travel perks: The Chase Sapphire Reserve offers 3 points per dollar on dining and travel, a $300 annual travel credit, Priority Pass Select membership, Global Entry or TSA PreCheck credit, and the ability to transfer points to 13 airline and hotel partners. The annual fee is $550. For more information, read our full review of the Chase Sapphire Reserve.If you want luxury travel benefits: The Platinum Card from American Express is a top contender with a $695 annual fee (see rates and fees). Cardholders receive up to $200 in Uber credits, up to $200 in airline fee credits, up to $100 in Saks Fifth Avenue credits, Global Entry or TSA PreCheck credit, Fine Hotels & Resorts benefits, and access to Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges. Points can be transferred to 21 partners (18 airlines and three hotels). For more information, read our full review of the Platinum Card from American Express.While the Mastercard Black Card offers some benefits, it falls short in comparison to other premium credit cards. The lack of a welcome offer, poor earning rate, and high annual fee may not make it the best choice for those looking for a premium credit card. However, if you value the 2% redemption for airfare purchases and the travel and purchase protections offered by the card, it may still be a valuable addition to your wallet. Ultimately, the decision to apply for the Mastercard Black Card will depend on your individual spending habits, travel preferences, and desired benefits.
