Sign Up Bonus: 50,000 Ultimate Rewards Points
Minimum Spend: $5,000 in 3 Months
Annual Fee: $450

This is the gold standard in cards right now. The Chase Sapphire Reserved was introduced in mid-2016 to much excitement and fanfare as the successor to the Chase Sapphire Preferred, a fantastic card itself (and currently the main plastic in my pocket). This card comes with significant cool factor – it is made of metal!

The sign up bonus more than offsets the significant annual fee; Ultimate Rewards points can be transferred directly and almost instantly to a large number of partner programs, including Hyatt, United, Korean Air and Southwest. Additionally, this card will reimburse up to $300 in travel expenses every year automatically. This credit is paid on a calendar year basis, so you can leverage this perk to receive $600 in credits for the first $450 annual fee!