In summary, if you are almost rich, and want to feel super rich, your best fit is the Citibank Ultima ($1200 a year). Although in reality, the Citibank Premier Bonus Pass Card ($75 a year) is an extremely good value, probably the best of all the cards we rated.

If you’re looking for luxury in travel, and want to get all the perks of the upper class without completely breaking the bank, the card for you is the American Express Platinum ($450 annually). It makes its big brother, the American Express Black Card, proud.

Finally, if you want a great deal on a luxury card, try the Bank of America Accolades Card ($295 per year). Just know that there’s no guarantee that your perks will be provided with decent customer service.

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