Unbiased · no card pays to rankYour best card
Find your best card
Tell us how you travel and we'll rank every premium card by the real net value it delivers to you — lounge access at your home airport, credits you'll actually use, and guest perks, minus the annual fee. The ranking is built only from value to you — no card pays to appear or rank higher.
How often do you fly?
Who do you fly most?
Do you bring guests?
The Business Platinum Card · American Express
Amex Business Platinum nets an estimated $1,351/yr because it opens 3 of its 3 lounge networks at ATL, plus $871 in credits you'd actually use — after its $895 fee.
$1,351est. net value / yr
Apply links go to the issuer's official site. Advertiser disclosure.
3Networks at ATL
$1,210Lounge value
$871Usable credits
$165Guest value
−$895Annual fee
$1,351Net value
How the top cards stack up
Estimated net annual value for a monthly traveler flying out of Atlanta.
| Rank | Card | Fee | Networks | Lounge value | Credits | Net / yr | Apply |
|---|---|---|---|---|---|---|---|
| 1 | Amex Business Platinum | $895 | 3 | $1,210 | $871 | $1,351 | Apply ↗ |
| 2 | Amex Platinum | $895 | 3 | $1,210 | $863 | $1,343 | Apply ↗ |
| 3 | Chase Sapphire Reserve | $795 | 1 | $403 | $1,111 | $884 | Apply ↗ |
| 4 | Delta Reserve | $650 | 2 | $807 | $653 | $810 | Apply ↗ |
| 5 | Marriott Bonvoy Brilliant | $650 | 1 | $403 | $799 | $717 | Apply ↗ |
| 6 | Bilt Palladium | $495 | 1 | $403 | $350 | $423 | Apply ↗ |
| 7 | Citi AAdvantage Executive | $595 | 1 | $403 | $381 | $354 | Apply ↗ |
| 8 | Capital One Venture X | $395 | 1 | $403 | $311 | $319 | Apply ↗ |
| 9 | United Club Card | $695 | 1 | $403 | $389 | $262 | Apply ↗ |
Rankings are estimates for planning only. How we estimate value.