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One of the highest-rated cards we track, American Express's flagship premium travel card pairs unmatched airport lounge access with elevated earning on flights and prepaid hotels and a deep stack of monthly, quarterly, and semiannual statement credits. The high annual fee only pays off if you'll actually use those travel perks and credits. It's best for frequent travelers who value lounges and flexible Membership Rewards points, and overkill for everyday spenders.

The Business Platinum Card from American Express is the issuer's flagship premium business card, pairing extensive airport lounge access with elevated earning on travel and a stack of business-oriented statement credits for software, services, and more. Its premium annual fee is justified only by travel-heavy businesses that will use the lounges and work the credits. Companies that won't engage with the vendor-specific credits are usually better served by a lower-fee business card.

One of the highest-rated business travel cards we track, the Chase Sapphire Reserve for Business brings premium perks — airport lounge access with guest privileges and a flexible annual travel credit — to a business card, plus uncapped bonus rewards on social and search advertising. Its high annual fee is best justified by established businesses with heavy travel and ad spend. Smaller or less travel-focused businesses will usually get more from a lower-fee card like the Ink Business Preferred.

The Capital One Venture X Business brings the personal Venture X's premium travel benefits to companies at the same $395 fee, with a larger welcome bonus geared to business-level spending. It earns a flat 2 miles per dollar plus elevated rates on Capital One Business Travel, and adds a $300 travel credit, 10,000 anniversary miles, and Capital One Lounge and Priority Pass access. It's a strong pick for travel-spending businesses that can meet the higher spend and will use the credits.