Compare premium credit cards

Premium credit cards available

Check out MoneySupermarket's selection of the most prestigious premium credit cards currently available. These cards come with an annual fee but feature the best benefits and rewards programs available.

Featured premium credit cards - Sorted by interest rate (APR)

Apply for the cards below today or search all credit cards

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.

American Express

Purchases

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Rewards

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Representative APR % APR

Purchases

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Rewards

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American Express

Purchases

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Rewards

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Representative APR % APR

Purchases

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Rewards

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Bonus Avios

25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership

Bonus Avios

25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership

American Express

Purchases

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Rewards

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Representative APR % APR

Purchases

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Rewards

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Representative APR % APR
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What is a premium credit card?

A premium credit card can be a flexible way to manage your cash. They work in a similar way to a standard credit card, but they can offer much more.

Some premium cards are so fancy, they aren't even plastic. The American Express Centurion, for example, is made from titanium. But premium credit cards aren't just about the prestige; they are also about the perks. Most cards offer a range of rewards to customers including travel insurance or even a concierge service.

What types of premium credit card are there?

The type of premium credit card you take out generally depends on the rewards and benefits you’re looking for. For example, you can find different premium credit cards that offer:

Travel benefits

  • Travel insurance: can sometimes be included in premium credit card packages, offering cover for when you’re abroad.
  • Air miles: are also a common perk, letting you build them up with each purchase so you can use them for a free or discounted flight.
  • Lounge access: might also be a part of some premium deals, allowing you to relax in style while you’re at the airport.

Financial benefits

  • High credit limits: often come with premium credit card accounts, though you should be careful as it can become harder to make your minimum repayments when you borrow more.
  • Interest rate benefits: might also apply, such as 0% interest on purchases made during a certain period of time. These are rarer among premium credit cards than standard cards.
  • Cashback: money back from certain purchases can be a useful extra if you frequently use your credit card in restaurants and shops.

Lifestyle benefits

  • Reward systems: give you points for shopping at particular retailers, which can be swapped for products or discounts.
  • Concierge services: are a common benefit with many premium credit cards. Concierges can function as a personal assistant, and provide services like booking travel and accommodation.
  • Breakdown and home emergency cover: can help you out if your car or home need urgent repairs.

What consumers are looking to use their credit cards for

A graph showing the motivations of consumers searching for credit cards and the percentage looking to pay no interest on their spending, build their credit rating, find a low rate card for everyday spending, pay no interest on their spending and other – according to MoneySuperMarket data correct as of July 2018.

Who can get a premium credit card?

Premium credit cards aren’t easily available to everybody, with providers often asking you to meet certain criteria like:

  • Having a high credit rating
  • Having a high income - sometimes at least £40-50,000 a year
  • A higher minimum age - for example 21 - where most credit cards set the minimum age at 18
  • Paying an annual fee that’s affordable

Some of the most exclusive cards aren’t open to public applications, where you can only get one if you receive an invitation from the credit card provider.  

You won’t generally qualify for a premium credit card with a low income or poor credit rating. Even if you do qualify, they still aren’t always the best option.

Some people may want a premium credit card as a status symbol, but if you have bad spending habits or sometimes struggle with repayments, the high interest rates you might find on some premium cards can often lead to a spiral of debt.

It’s also good to remember that applying for a credit card and being rejected can leave a negative mark on your credit report, so you should think about whether an application is always a good idea.

A graph showing the most popular age consumers search for a credit card

This graph shows how old consumers are when they search for any type of credit card - according to MoneySuperMarket data correct as of July 2018.

How much do premium credit cards cost?

As premium credit cards can offer a variety of perks and benefits, they often cost more than a standard credit card – this is because you normally pay an annual charge for premium credit cards, which can range from £100 to £500.

This also affects the advertised interest rates, also known as the APR. The APR must include all the fees surrounding the credit card, including the annual fee most premium cards have. This can mean that even if the actual interest rate for your repayments is around 15-20%, the APR may be given as around 50% as it involves the annual charge you pay for the card.

What to watch out for with premium credit cards

While premium credit cards offer a number of perks, it’s good to keep in mind:

  • Cost: the annual cost of these cards can occasionally outweigh the benefits, sometimes reaching £500 a year. This can be a lot of extra money to spend if the benefits aren’t being used frequently.
  • Interest rates: interest rates on premium credit cards aren’t normally that different from the rates on standard cards – but there aren’t as many cards that include limited time 0% interest period. This means you might be more likely to build up debt if you aren’t able to pay your balance off every month.

A graph showing how many credit cards are gaining interest on their balance

The percentage of credit cards gaining interest on their debt, according to MoneySuperMarket data correct as of July 2018.

How to choose the best premium credit card

If you’re going to apply for a premium credit card, think about:

  • Credit rating: credit applications generally show up on your credit report, and they can be particularly damaging if you’re rejected. It’s worth seeing if you need to improve your credit score before applying, especially as premium cards often require a higher rating – this way you might be more likely to be accepted.
  • Rewards: as the main perk of premium credit cards is usually the extras you receive, you should consider whether you’ll really make use of them before applying. For example, if you prefer shopping to flying, you’ll probably be more suited to a reward points credit card than one that gives you extra air miles.
  • Overlapping benefits: some premium credit cards offer useful benefits that you could use somewhere else, like cards that offer travel insurance. If you’re looking for rewards that you can use on holiday, you might find that a card with lounge access or air miles will be more useful.

How to apply for a premium credit card?

If you qualify or believe you’ll qualify for a premium credit card, you can compare the best available deals on MoneySuperMarket. All you need to provide is a few details about yourself and your finances, and you’ll be able to compare different premium credit cards based on their annual costs, perks and rewards, and the likelihood of your application being successful.

You can apply for the cards via MoneySuperMarket by clicking through to the provider’s site. Once you’ve applied, the provider will look at your credit score and report to determine whether you’re a credit risk, and if they like what they see, they’re more likely to give you the credit card.

If you’re accepted, the provider will then tell you the credit limit and interest rate they’ve set. This won’t always be the same as what was advertised, as it factors in your income and credit report. Soon after you’ll get the card in the mail – after being activated, it’ll be ready to use.

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