While the annual fee is significant, the cumulative value of the statement credits and luxury perks often outweighs the cost for those who travel several times a year. It is a strategic choice for those who view travel not just as a transition between places, but as an experience to be optimized.

I can then compare the top-tier cards currently on the market for you.

If you'd like to find the best card for your specific spending habits: Your primary airline or hotel brand Average annual spend on travel and dining Willingness to pay a high annual fee (e.g., $400 - $700)