Atlas

Atlas is an ultra-premium card aimed at very high spenders, and its $3,000 annual fee only makes sense if you will use a good share of the large annual credits that come with it: $3,000 toward private charter flights, $1,000 for semi-private flights with BLADE, JSX, Aero, and Slate, $1,000 toward business class bookings of $5,000 or more, $1,000 for ticketed experiences like concerts and games, and $200 at Erewhon. On top of that it earns 5 points per dollar on everything booked through Atlas Travel, has no foreign transaction fees, and adds Visa Infinite protections and up to $50,000 a year in purchase protection. Additional credits unlock only at very large annual spend levels, starting at $100,000. The real catch is that most of the value is tied to private and semi-private aviation and a handful of big-city dining and lifestyle perks, while ordinary purchases outside Atlas Travel earn just 1 point per dollar. For most people, even frequent travelers, a mainstream premium travel card will deliver more value for far less money.