Meet the Contenders
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Strongest in travel at 4%.
2x points (4% value) on airfare/hotels via Luxury Card Travel; up to $820 in annual credits ($300 airline + $200 dining + $200 Ship&Play + $120 Global Entry/TSA PreCheck).
Earns a solid 2.0% on everything else.
Annual fee: $1199
Foreign fees: 0%
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Beyond the points: Up to $700 in annual statement credits ($300 airline + $200 dining + $200 Ship&Play), plus a $120 Global Entry/TSA PreCheck credit that also covers authorized users, offsets well over half the $1,199 fee before any points are counted. Redeems at a flat 2¢/point for both cash back and airfare.
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Strongest in travel at 6%.
2x on all, 2.5x on mobile up to $5k/quarter, 6x on prepaid travel.
Earns a solid 2.0% on everything else.
Annual fee: $195
Sign-up bonus: 75,000 points after $10,000 spend in 120 days
Foreign fees: 0%
Perfect if: You want a strong rewards rate with no spending caps to worry about.
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The Verdict
U.S. Bank Business Altitude Power Visa Signature Card wins on
travel.
The $1,004/year fee difference means
Luxury Card Mastercard Gold Card needs to earn about that much more in rewards to justify its cost.
Luxury Card Mastercard Gold Card carries $820/year in credits (mostly unlocked by everyday bonus-category spending).
Those only count if you’d actually use them — worth checking against your own habits before treating them as a discount on the fee.
Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate — see the key benefits above and weigh them against how you travel and spend.
Not sure which fits your life? Enter your spending below and we’ll do the math — the calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.