Card Know How

Unlocking the Power of Premium Credit Cards: Benefits and Rewards

Title: Premium Credit Cards: Your Ticket to Rewards and BenefitsIn today’s world of endless options, premium credit cards have taken the spotlight in the realm of reward card programs. These exclusive cards not only offer elevated benefits and desirable perks but also have the potential to pay for themselves through their extensive range of offerings.

In this article, we will delve into the growth of premium credit cards in the rewards card market and explore the ways in which they pay for themselves through the benefits they provide.

Premium Credit Cards in the Reward Card Market

Growth of Premium Credit Cards in the Reward Card Market

The credit card landscape has seen a significant surge in the popularity of premium credit cards. These elite cards cater to individuals seeking exclusive rewards, unparalleled experiences, and exceptional customer service.

Over the years, the reward card market has witnessed a growing demand for these premium offerings due to their tailored services and extraordinary perks. – Premium credit cards, such as the Chase Sapphire Reserve and the American Express Platinum card, have gained immense popularity among savvy consumers.

– These cards often come with a higher annual fee, which is justified by the extensive features and benefits they offer. – Consumers are willing to invest in premium cards as they provide superior rewards, such as generous sign-up bonuses, elevated reward points earning rates, and access to exclusive airport lounges.

Paying for Premium Credit Cards through Benefits

One of the remarkable aspects of premium credit cards is their ability to pay for themselves through the range of benefits they provide. While the higher annual fees may seem daunting at first, the benefits often far outweigh the costs.

– Travel-related benefits: Premium credit cards often offer luxurious travel benefits, including airline fee credits, airport lounge access, complimentary hotel upgrades, and travel insurance. These perks can save cardholders significant amounts of money on their trips.

– Statement credits: Some premium cards, such as the Chase Sapphire Reserve, offer statement credits for travel-related expenses, such as hotel stays and dining. These credits can offset a substantial portion of the annual fee.

– Purchase protections: Premium credit cards often provide additional purchase protections, such as extended warranties, price protection, and purchase return guarantees. These perks can offer peace of mind and potentially save cardholders from unexpected expenses.

Top Credit Cards That Pay for Themselves

The Platinum Card from American Express

The Platinum Card from American Express is an exemplary premium credit card that is known for its extensive benefits and exceptional rewards. Let’s explore some of the features that make this card well worth its annual fee.

– Airport lounge access: The Platinum Card provides access to a vast network of lounges worldwide, including Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges. These peaceful oases offer complimentary food and beverages, comfortable seating, and various other amenities.

– Travel credits: Cardholders receive an airline fee credit of up to $200 annually, which can be used for incidental charges, such as baggage fees, in-flight purchases, and lounge access fees. Additionally, there is an Uber credit of up to $200, which can be utilized for rides and Uber Eats orders.

– Fine Hotels & Resorts program: Cardholders enjoy exclusive perks when booking through the Fine Hotels & Resorts program, including room upgrades, late check-outs, and complimentary breakfasts. – Membership Rewards program: The Platinum Card offers a generous earning rate on eligible purchases, allowing cardholders to accumulate points quickly.

These points can be redeemed for travel bookings, merchandise, or transferred to numerous airline and hotel loyalty programs.

Marriott Bonvoy Brilliant American Express Card

The

Marriott Bonvoy Brilliant American Express Card is another premier credit card that offers exceptional value to frequent travelers and hotel enthusiasts. Let’s uncover the benefits that make this card a standout choice in the premium category.

– Marriott Bonvoy elite status: Cardholders receive automatic Gold Elite status, providing access to room upgrades, late check-outs, and enhanced rewards during hotel stays. – Annual free night award: Each year, cardholders receive a free night certificate that can be used at participating Marriott Bonvoy hotels, potentially offsetting the annual fee.

– Statement credits: The card provides an annual credit of up to $300 for eligible purchases at participating Marriott properties, including room rates, dining, and spa services. – Complimentary Priority Pass membership: Cardholders can enjoy access to Priority Pass lounges, offering a peaceful and comfortable environment during layovers and delays.

Conclusion:

Premium credit cards have revolutionized the rewards card market, appealing to individuals seeking exclusive benefits and extraordinary experiences. These elite cards not only offer an array of perks but also have the potential to pay for themselves through the extensive benefits they provide.

Whether it’s the Platinum Card from American Express or the

Marriott Bonvoy Brilliant American Express Card, these premium credit cards allow cardholders to elevate their lifestyles and indulge in rewards that are truly exceptional.

Comparing the Top Credit Cards That Pay for Themselves

Comparison Table of Credit Cards and Their Benefits

When considering premium credit cards that pay for themselves, it’s helpful to compare different options to determine which card best suits your preferences and lifestyle. The following comparison table provides an overview of some top credit cards and their key benefits:

| Credit Card | Annual Fee | Welcome Offer | Travel Benefits | Other Benefits |

|——————————-|—————|————————————–|———————————————-|———————————————-|

| The Platinum Card from Amex | $550 | 75,000 Membership Rewards points | Airport lounge access, airline fee credits | Fine Hotels & Resorts program, concierge |

| Marriott Bonvoy Brilliant Amex| $450 | 100,000 Marriott Bonvoy bonus points | Annual free night award, hotel statement credits | Priority Pass membership, Marriott Bonvoy elite status |

| Chase Sapphire Reserve | $550 | 60,000 Ultimate Rewards points | Priority Pass membership, travel statement credits | Global Entry/TSA Precheck application fee credit, primary car rental insurance |

Analysis of Individual Credit Cards and Their Perks

Let’s dig deeper into the perks and benefits offered by each of these credit cards:

The Platinum Card from American Express:

The Platinum Card from American Express is highly regarded for its extensive range of benefits. With an annual fee of $550, this card may seem hefty, but its rewards and perks make it worthwhile for frequent travelers and luxury seekers.

Welcome Offer and Earning Rates: New cardholders can earn 75,000 Membership Rewards points after spending $5,000 in the first three months. Additionally, the card offers an earning rate of 5x points on eligible flights and hotels, providing cardholders the opportunity to accumulate points rapidly.

– Travel Benefits: The Platinum Card provides airport lounge access, including access to Centurion Lounges, Delta Sky Clubs, and Priority Pass lounges. Moreover, cardholders receive up to $200 in airline fee credits, which can be used for incidental charges such as baggage fees, in-flight purchases, or lounge access fees.

The card also includes a $200 annual Uber credit that can be redeemed for rides or Uber Eats orders. – Other Benefits: The Fine Hotels & Resorts program allows cardholders to enjoy room upgrades, late check-outs, and complimentary breakfast at participating luxury hotels.

Additionally, cardholders have access to a 24/7 concierge service that assists with reservations, recommendations, and other travel needs.

Marriott Bonvoy Brilliant American Express Card:

For those who prioritize hotel stays and enjoy the benefits of the Marriott Bonvoy loyalty program, the

Marriott Bonvoy Brilliant American Express Card offers excellent value with an annual fee of $450. –

Welcome Offer and Earning Rates: New cardholders can earn 100,000 Marriott Bonvoy bonus points after spending $5,000 in the first three months.

The card also offers an earning rate of 6x points on eligible purchases at participating Marriott Bonvoy hotels. – Travel Benefits: The card provides an annual free night award, which can be used at participating Marriott Bonvoy hotels, potentially offsetting a significant portion of the annual fee.

Cardholders also receive up to $300 in statement credits for eligible purchases at participating Marriott properties, including room rates, dining, and spa services. Additionally, cardholders enjoy complimentary Priority Pass membership, providing access to lounges worldwide.

– Other Benefits: The

Marriott Bonvoy Brilliant American Express Card automatically grants cardholders Gold Elite status, allowing for room upgrades, late check-outs, and enhanced rewards during hotel stays. Chase Sapphire Reserve:

The Chase Sapphire Reserve is a popular choice among travel enthusiasts, offering a wide array of benefits that offset its annual fee of $550.

Welcome Offer and Earning Rates: New cardholders earn 60,000 Ultimate Rewards points after spending $4,000 in the first three months. The card provides an earning rate of 3x points on travel and dining worldwide, making it an attractive option for those who frequently spend in these categories.

– Travel Benefits: Cardholders enjoy a Priority Pass membership, granting access to a vast network of airport lounges. The card also provides up to $300 in annual travel statement credits, which can be used for various travel-related expenses.

For individuals who value smooth travel experiences, the card offers a statement credit for Global Entry or TSA Precheck application fees. – Other Benefits: The Chase Sapphire Reserve includes primary car rental insurance when renting with the card, adding an extra layer of protection and potential savings.

Comparison Conclusion:

While each credit card has its own unique set of benefits and perks, careful consideration of one’s travel and spending habits is crucial to selecting the card that will best suit individual needs. The Platinum Card from American Express caters to luxury seekers and frequent travelers, offering extensive airport lounge access and generous travel credits.

The

Marriott Bonvoy Brilliant American Express Card is a great choice for loyal Marriott guests, providing complimentary elite status, hotel statement credits, and annual free night awards. The Chase Sapphire Reserve appeals to individuals who enjoy travel and dining, offering rewards and credits that can help offset the annual fee.

Ultimately, the best credit card that pays for itself depends on personal preferences, lifestyle, and priorities.

Marriott Bonvoy Brilliant American Express Card

Welcome Offer and Earning Rates

The

Marriott Bonvoy Brilliant American Express Card is a top-tier credit card that offers exceptional benefits for travelers who frequently stay at Marriott properties. Let’s explore the welcome offer and earning rates that make this card a favorite among loyal Marriott guests.

– Welcome Offer: New cardholders can enjoy a generous welcome offer of 100,000 Marriott Bonvoy bonus points after spending $5,000 within the first three months of account opening. This substantial bonus can be an excellent boost towards free nights or other exciting rewards within the Marriott Bonvoy loyalty program.

– Earning Rates: The Marriott Bonvoy Brilliant Card offers competitive earning rates that incentivize cardholders to spend on Marriott properties and select travel expenses. Cardholders earn 6 Marriott Bonvoy points per dollar spent at participating Marriott Bonvoy hotels.

Furthermore, the card provides 3 Marriott Bonvoy points per dollar spent on eligible purchases for flights booked directly with airlines or through the Amex travel website, as well as on dining at U.S. restaurants and on car rentals. These accelerated earning rates make it easy for cardholders to accumulate points quickly, providing additional value and rewarding loyalty to the Marriott brand.

Benefits and Perks of the Card

Beyond the welcome offer and earning rates, the

Marriott Bonvoy Brilliant American Express Card offers an array of benefits and perks that enhance the travel experience and elevate the cardholder’s status within the Marriott Bonvoy program. – Annual Free Night Award: Each year, on the account anniversary, cardholders receive an annual free night award (valued up to 50,000 Marriott Bonvoy points) that can be redeemed at participating Marriott Bonvoy hotels.

From luxury resorts to boutique properties, this benefit allows cardholders to experience exceptional stays without additional costs, potentially offsetting a significant portion of the card’s annual fee. – Statement Credits: The Marriott Bonvoy Brilliant Card provides up to $300 in statement credits each year for eligible purchases at participating Marriott Bonvoy hotels.

These credits can be used towards room rates, dining, spa services, and other charges, allowing cardholders to save on their hotel expenditures. – Priority Pass Membership: Cardholders receive complimentary Priority Pass Select membership, granting access to a network of over 1,200 airport lounges worldwide.

Whether traveling for business or pleasure, this perk provides cardholders with a comfortable and relaxing environment during layovers and delays. – Marriott Bonvoy Elite Status: With the Marriott Bonvoy Brilliant Card, cardholders automatically receive Gold Elite status within the Marriott Bonvoy program.

This elite status provides benefits such as room upgrades, late check-outs, enhanced rewards during hotel stays, and more. Cardholders also have the opportunity to earn Platinum Elite status after spending $75,000 on the card within a calendar year.

– Complimentary Premium Internet Access: Cardholders can enjoy complimentary premium in-room internet access at participating Marriott Bonvoy hotels. This allows for a seamless online experience, whether for work or leisure while staying at any Marriott property.

– Benefits During Stays: As a cardholder, you can take advantage of other benefits during your Marriott Bonvoy stays, such as daily breakfast for two at participating hotels, late check-out (when available), and enhanced in-room amenities. With a combination of generous welcome offers, competitive earning rates, and a range of benefits tailored to Marriott Bonvoy enthusiasts, the

Marriott Bonvoy Brilliant American Express Card stands as an excellent choice for travelers who value premium experiences and exceptional rewards within the Marriott Bonvoy program.

Hilton Honors American Express Aspire Card

Welcome Offer and Earning Rates

For individuals who prefer the Hilton brand and want to maximize their rewards within the Hilton Honors loyalty program, the Hilton Honors American Express Aspire Card offers an impressive range of benefits. Let’s explore the welcome offer and earning rates associated with this card.

– Welcome Offer: New Hilton Honors American Express Aspire Cardholders can enjoy a generous welcome offer of 150,000 Hilton Honors bonus points after spending $4,000 on purchases within the first three months of account opening. These bonus points can be redeemed for free stays at a variety of Hilton properties, ranging from luxurious resorts to convenient city hotels.

– Earning Rates: The Hilton Honors American Express Aspire Card offers a competitive earning structure to accelerate the accumulation of Hilton Honors points. Cardholders earn 14x Hilton Honors bonus points per dollar spent directly with eligible Hilton purchases, including stays at Hilton properties, dining, and spa charges.

Additionally, the card provides 7x Hilton Honors bonus points per dollar spent on flights booked directly with airlines or through Amex travel, car rentals booked through select rental car companies, and at U.S. restaurants. This robust earning potential enables cardholders to amass points rapidly, unlocking exciting redemption opportunities within the Hilton Honors program.

Benefits and Perks of the Card

The Hilton Honors American Express Aspire Card offers a plethora of benefits and perks designed to enhance the cardholder’s stays at Hilton properties and elevate their status within the Hilton Honors program. – Hilton Honors Diamond Status: By being a cardholder, you automatically receive Diamond status, the highest tier within the Hilton Honors program.

This prestigious status provides numerous benefits, such as executive lounge access, room upgrades, enhanced earning rates, complimentary breakfast at participating Hilton properties, and more. With this elevated status, you can enjoy a tailored and luxurious experience during your Hilton stays.

– Annual Resort Credit: The Hilton Honors American Express Aspire Card provides an annual resort credit of up to $250. Cardholders can use this credit to offset charges for eligible incidentals at participating Hilton resorts, such as on-site dining, spa treatments, and more.

This benefit offers an opportunity to further enhance your resort experience without additional cost. – Annual Free Weekend Night Award: Each year, on the account anniversary, cardholders receive an annual free weekend night award that can be redeemed at most Hilton properties, excluding a few all-inclusive and select resorts.

This benefit allows cardholders to indulge in a complimentary stay, potentially offsetting a significant portion of the card’s annual fee. – Priority Pass Select Membership: Cardholders receive complimentary Priority Pass Select membership, providing access to a network of over 1,200 airport lounges worldwide.

This perk allows for a comfortable and tranquil environment during layovers and delays, regardless of the airline flown. – Trip Delay/Cancellation Insurance: The Hilton Honors American Express Aspire Card offers valuable travel insurance benefits such as trip cancellation and interruption coverage, as well as trip delay coverage.

These benefits provide peace of mind during your travels, protecting you financially if unexpected circumstances disrupt your plans. With its enticing welcome offer, accelerated earning rates, and an extensive suite of benefits and perks, the Hilton Honors American Express Aspire Card presents a compelling choice for individuals who prioritize Hilton stays and seek enhanced experiences within the Hilton Honors program.

Citi Prestige Card

Welcome Offer and Earning Rates

The Citi Prestige Card is a premium credit card that offers an impressive lineup of benefits and rewards. Let’s delve into the welcome offer and earning rates that make this card an attractive choice for discerning cardholders.

– Welcome Offer: The Citi Prestige Card welcomes new cardholders with a substantial welcome offer that varies depending on promotional periods. Please check for the latest offer at the time of applying to ensure you take advantage of any available bonuses.

This welcome offer typically includes a generous amount of ThankYou Points, which can be redeemed for a variety of rewards within Citi’s ThankYou Rewards program. – Earning Rates: The Citi Prestige Card offers competitive earning rates across different spending categories.

Cardholders earn 5 ThankYou Points per dollar spent on air travel and dining out, including takeout and delivery services. Additionally, they earn 3 ThankYou Points per dollar spent on hotels and cruise lines.

For all other purchases, cardholders earn 1 ThankYou Point per dollar spent. These earning rates allow cardholders to accumulate ThankYou Points quickly, providing flexibility and a wide range of redemption options.

Benefits and Perks of the Card

Beyond the welcome offer and earning rates, the Citi Prestige Card offers an array of benefits and perks designed to enhance the travel experience and provide added value to cardholders. – Fourth Night Free Hotel Benefit: One of the standout benefits of the Citi Prestige Card is the Fourth Night Free program.

When booking a consecutive four-night stay at any hotel through ThankYou.com or the Citi ThankYou Rewards center, cardholders receive a statement credit for the average daily rate of the fourth night. This benefit can lead to significant savings, particularly for longer hotel stays.

– Complimentary Priority Pass Select Membership: Cardholders enjoy access to Priority Pass lounges worldwide, providing a comfortable and relaxing environment during layovers. Priority Pass Select membership is complimentary, offering a respite from busy airport terminals and access to amenities such as Wi-Fi, snacks, and beverages.

– Travel Credit: The Citi Prestige Card provides an annual $250 travel credit that can be used for eligible travel purchases, including airfare, hotels, car rentals, and more. This credit helps offset travel-related expenses and further enhances the overall value of the card.

– Global Entry or TSA PreCheck Credit: Cardholders are eligible to receive a statement credit to cover the cost of either Global Entry ($100) or TSA PreCheck ($85) membership. These programs provide expedited security screening for U.S. domestic and international travel, saving cardholders valuable time and hassle.

– Luxury Hotel Benefits: The Citi Prestige Card offers a range of benefits at select luxury hotels around the world. These include room upgrades when available, complimentary fourth-night stays, early check-in, late check-out, and other exclusive amenities.

– Rental Car Benefits: When renting a car at participating agencies, cardholders may receive discounts, upgrades, and extra coverage through the Citi Prestige Card’s rental car benefits program.

Bank of America Premium Rewards Credit Card

Welcome Offer and Earning Rates

The Bank of America Premium Rewards credit card is a versatile option for individuals seeking a well-rounded rewards card. Let’s explore the welcome offer and earning rates that make this card enticing for potential cardholders.

– Welcome Offer: The Bank of America Premium Rewards card often comes with a competitive welcome offer for new cardholders. This offer typically includes bonus points or cash rewards after reaching a specific spending threshold within the first few months of opening the account.

The specific details of the welcome offer may change, so be sure to check for the latest information when applying. – Earning Rates: The Bank of America Premium Rewards card offers flexible earning rates on various spending categories.

Cardholders earn 2 points per dollar spent on travel and dining purchases, and 1.5 points per dollar spent on all other purchases. These earning rates enable cardholders to earn rewards at an accelerated pace, providing opportunities for exciting redemptions or statement credits.

Benefits and Perks of the Card

In addition to a compelling welcome offer and competitive earning rates, the Bank of America Premium Rewards card offers a range of benefits and perks that enhance the overall cardholder experience. – Travel Credit: Cardholders can enjoy an annual $100 airline incidental statement credit, which can be used for eligible incidental fees such as bag check fees, in-flight purchases, or seat upgrades.

This credit helps offset travel expenses and provides added value to the cardholder’s experience. – Global Entry or TSA PreCheck Credit: The Bank of America Premium Rewards card offers a statement credit of up to $100 to cover the cost of Global Entry or TSA PreCheck membership.

By participating in these programs, cardholders gain access to expedited security screening, making their travel experiences more efficient and enjoyable. – Relationship Bonus: Bank of America banking customers who qualify for the Preferred Rewards program can earn an additional 25% to 75% bonus on their points.

The bonus percentage is based on the amount of deposits and qualifying investments held in Bank of America and Merrill Lynch accounts. This relationship bonus significantly enhances the overall value of the Bank of America Premium Rewards card for existing Bank of America customers.

– Visa Signature Concierge Service: Cardholders have access to the Visa Signature Concierge service, a round-the-clock concierge team that can assist with a variety of tasks, including travel arrangements, restaurant reservations, event ticketing, and more. – No Foreign Transaction Fees: The Bank of America Premium Rewards card does not charge foreign transaction fees, making it an ideal choice for international travelers who want to avoid unnecessary fees when using their card abroad.

With its enticing welcome offer, flexible earning rates, and a range of valuable benefits and perks, the Bank of America Premium Rewards credit card stands out as a versatile rewards card suitable for individuals seeking travel benefits, dining rewards, and more. Honorable Mention: American Express Gold Card

Welcome Offer and Earning Rates

While discussing premium credit cards that offer exceptional benefits and rewards, it would be remiss not to mention the American Express Gold Card. Known for its attractive welcome offer and impressive earning rates, this card deserves an honorable mention among the top choices.

– Welcome Offer: The American Express Gold Card often offers a generous welcome offer for new cardholders. This welcome offer may include a substantial amount of Membership Rewards points after reaching a specific spending threshold within the first few months.

The details of the welcome offer may vary, so it’s essential to check for the most up-to-date information during the application process. – Earning Rates: The American Express Gold Card provides competitive earning rates that appeal to food enthusiasts and frequent travelers.

Cardholders earn 4 Membership Rewards points per dollar spent on dining at restaurants worldwide, including takeout and delivery. Additionally, they earn 4 Membership Rewards points per dollar spent at U.S. supermarkets, up to a certain threshold per year (then 1 point per dollar).

Furthermore, cardholders earn 3 Membership Rewards points per dollar spent on flights booked directly with airlines or via Amex Travel. These accelerated earning rates make the American Express Gold Card an excellent option for individuals who prioritize dining and groceries, as well as for those who frequently travel by air.

Benefits and Perks of the Card

The American Express Gold Card offers a range of benefits and perks designed to enhance the cardholder’s everyday experiences and provide added value to their journeys. – Dining Credits: Cardholders receive up to $120 in dining credits each year, which can be used towards eligible purchases at participating restaurants and food delivery services.

This credit is split into monthly increments, offering flexibility and expanding the possibilities for enjoyable dining experiences. – Travel Credits: The American Express Gold Card provides up to $100 in airline fee credits, which can be used for incidental charges such as baggage fees or in-flight purchases with a selected airline.

This credit helps offset travel-related expenses and adds extra value to the overall travel experience. – Hotel Collection: As an American Express Gold Card member, cardholders have access to the Hotel Collection program, which offers benefits like room upgrades (when available), early check-in, late check-out, and a property-specific amenity valued at $100 or more.

– Purchase Protections: The American Express Gold Card provides valuable purchase protections, including return protection, extended warranty, and purchase protection against accidental damage or theft for eligible purchases made with the card. These benefits offer peace of mind and valuable coverage for cardholders’ purchases.

– Travel and Entertainment Access: As a cardholder, you gain access to special events, presale tickets, and preferred seating options through the American Express Experiences program. This allows for unique and memorable experiences across various entertainment and cultural events.

– Premium Travel Service: The American Express Gold Card offers access to a dedicated team of travel professionals who can assist cardholders in planning their trips, booking flights, securing hotel reservations, and more. This personalized service ensures that cardholders receive knowledgeable support and VIP treatment throughout their travel journeys.

Bottom Line

Importance of Choosing the Right Credit Card

When it comes to credit cards, choosing the right one is essential to maximize benefits and rewards while aligning with personal preferences and spending patterns. Premium credit cards, such as the ones mentioned in this article, offer exceptional benefits and perks that make them stand out from standard cards.

It’s crucial for cardholders to evaluate their needs, lifestyle, and spending habits to make an informed decision when selecting a credit card.

Value of Premium Credit Card Benefits

While premium credit cards often come with higher annual fees, the value of the benefits and perks they provide can far exceed the costs, making these cards financially rewarding choices. From airport lounge access to travel credits, hotel upgrades to significant welcome offers, premium credit cards offer an elevated experience that can enhance travel, dining, and overall lifestyle.

Additionally, the statement credits, insurance coverage, and purchase protections provided by these cards offer peace of mind and potential savings for cardholders. Ultimately, the value of premium credit card benefits lies in the personalized experiences, superior rewards, and exclusive privileges that cardholders can enjoy.

By carefully considering the welcome offers, earning rates, benefits, and perks of each card, individuals can select a premium credit card that aligns with their unique needs and preferences, leading to a more rewarding financial journey. In conclusion, premium credit cards have taken the rewards card market by storm, offering unparalleled benefits that make them worth considering.

From elevated travel experiences to hotel perks, these cards pay for themselves through an array of valuable offerings. The Platinum Card from American Express,

Marriott Bonvoy Brilliant American Express Card, and Chase Sapphire Reserve are all excellent options in this category.

Furthermore, the American Express Gold Card, Citi Prestige Car

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