Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Top picks for Plaza Premium from our scoring engine.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts, co-brand fit for this brand. The ¢ per dollar column is the reward rate at Plaza Premium. Order can differ from that column because ranking adds the adjustments above.
Capital One Venture X Rewards Credit Card earns the top spot for Plaza Premium purchases at 3.7¢ per dollar on all other — a $395 annual fee. We ranked every card in our database against Plaza Premium purchases using the same scoring engine that powers our search. See the note above the list for what drives order versus the ¢ per dollar column. Cards 4–10 are still solid picks; they just trade off some headline earn rate for fewer fees, broader networks, or simpler redemptions.
Capital One
Cardless
Citi
Capital One Venture X Rewards Credit Card earns 3.7¢ per dollar on all other when you shop at Plaza Premium, the highest marginal rate in our list for this brand. At 3.7¢ per dollar, rewards cover the $395 fee after about $10,680 a year in Plaza Premium spending. To come out ahead of Capital One VentureOne Rewards Credit Card (2.3¢), you'd need about $28,470 a year here. It's the right pick if you want maximum earn rate on this category and don't mind paying for a premium card.
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Fee Offset | Network |
|---|---|---|---|---|---|
| Capital One Venture X Rewards Credit CardCapital One | 2x Venture Miles | 3.7¢/$ | $395 | $315 | visa |
| Bilt Palladium CardCardless | 2x Bilt Rewards | 4.4¢/$ | $495 | $300 | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.4¢/$ | $595 | $762.50 | mastercard |
| The Platinum Card from American ExpressAmex | 1x Membership Rewards | 1.5¢/$ | $895 | $1,397 | amex |
| Capital One VentureOne Rewards Credit CardCapital One | 1.25x Venture Miles | 2.3¢/$ | $0 | — | mastercard |
| TD Double Up Credit CardTd Bank | 2% cash back | 2.0¢/$ | $0 | — | visa |
| One Key+ CardWells Fargo | 2% cash back | 2.0¢/$ | $99 | — | mastercard |
| Chase Sapphire Preferred CardChase | 1x Ultimate Rewards | 1.8¢/$ | $95 | $134 | visa |
| Synchrony Premier MastercardSynchrony | 2% cash back | 2.0¢/$ | $0 | — | mastercard |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
Other brands in Travel where the top picks above also earn well.
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