Compare premium credit cards

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

  1. Great for
    Earn 1 Starpoint for virtually every full £1 you spend
    Earn 10,000 welcome Starpoints when you spend more than £1,000 in the first 3 months
    You're eligible to apply for this card even if you've already got an American Express credit card
    But be aware that
    You'll have to pay a £75 annual fee

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £75 annual Fee your representative rate will be 36.2% APR (variable).

  2. Limited offer

    Receive an extra 2500 Clubcard points when you apply and are accepted. T&Cs apply. Limited offer, ends 5th January 2017

    Great for
    Get 5,000 additional Clubcard points when you spend £5,000 on Tesco shopping or fuel with this card in a year
    Get annual worldwide travel insurance for yourself and your immediate family members if you're aged under 70
    But be aware that
    You'll have to pay a £150 annual fee
    You must earn at least £25,000 a year to be eligible for this card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 19.9% p.a. (variable) with a £150 annual fee Fee your representative rate will be 56.5% APR (variable).

  3. Limited offer

    Additional 6,500 bonus miles if applied for before 31st October 2016 and total of £3,000 spent within first 90 days

    Great for
    Earn 18,500 miles the first time you spend on your card in the first 90 days
    Earn 2 miles per £1 you spend with the American Express credit card from MBNA, and 1 mile per £1 you spend on the Visa credit card
    But be aware that
    You'll have to pay a £140 annual fee
    The balance transfer and money transfer fee is 3% for the first 6 months. After that it goes up to 5%
    You can't transfer a balance from another card issued by MBNA

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £140 annual Fee your representative rate will be 57.4% APR (variable).

  4. Bonus Avios

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

    Great for
    Get a companion voucher every year when you spend at least £10,000 on your card
    Get 25,000 bonus Avios when you spend at least £3,000 on your card in the first 3 months
    Earn 3 Avios for every full £1 you spend with British Airways and 1.5 Avios for virtually every full £1 you spend elsewhere
    But be aware that
    You'll have to pay a £195 annual fee

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 22.9% p.a. (variable) with a £195 annual Fee your representative rate will be 76% APR (variable).

What is a premium credit card?

A premium credit card is a modern-day status symbol. If you are going to flash the plastic, it’s nice if the plastic is gold or platinum. Or how about a purple card from Coutts, bankers to the Queen?

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.

Of course, these exclusive cards aren’t available to everybody. You might have to earn a minimum income to qualify, or the card could be linked to a private or premium current account. Some of the most high-end cards are by invitation only – ordinary mortals need not apply. You can also forget about a premium credit card if you have a poor credit rating.

And don’t expect to get a premium card for free. Most charge an annual fee, which might be £100 or more. So it’s important not to get carried away. Just because you qualify for a premium card, doesn’t mean it’s the right choice.

What are the benefits of a premium credit card?

The big attraction of a premium credit card is the perks. Different cards offer different rewards, but they often include breakdown cover, comprehensive travel insurance and entry to airport lounges. Some premium cards also run a concierge service, which gives you access to a personal assistant who can help with hotel and restaurant bookings, or even arrange a delivery of flowers or a gift should you forget a birthday or anniversary.

A number of premium credit cards also offer a points system, rather like a reward scheme, that allows you to earn money off various services, such as flights.

The other advantage of a premium card is the high credit limit. You can usually borrow a much larger amount than you could with a standard card.

You can compare premium credit cards quickly and easily with MoneySupermarket’s free, independent service. Check it out today and find the prestige card to suit your wallet or purse.

Are there any disadvantages to premium credit cards?

The interest rates on premium credit cards tend to be roughly on a par with the rates on standard credit cards. However, premium cards rarely offer 0% deals, so they can work out to be expensive. Then there’s the annual fee. If you don’t make full use of the perks, the fee can make a premium card a pricey option.

You might also fail to qualify for the card you want if it sets a high minimum annual income, or if it is offered by invitation only.

Are there any alternatives?

There are a number of reward cards that offer cashback or loyalty points – and you don’t usually have to pay an annual fee, or meet strict eligibility criteria

If you want freebies, it might be worth considering a premier or packaged current account. Unlike standard current accounts, packaged accounts charge a fee, but they include a number of benefits such as breakdown cover and travel insurance.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. 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, you're probably better off choosing a different card.

Consider a different card
Not eligible
Your chances are good
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

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.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

Set up a direct debit

If you’ve got debt to pay off, the easiest way to manage it is by setting up a direct debit to make sure you pay it off before the end of the interest free period.

For example, if you transfer a balance of £2,400 to a card that charges zero interest on balance transfers for 24 months, you could set up a direct debit for £100 a month and you would be debt-free by the end of the 0% offer.

If you can’t pay off the debt before the 0% deal expires, you could try to switch to another balance transfer offer at the end of the term. If that fails, you will start to be charged interest at the card issuer’s standard rate.

Some people choose to clear the outstanding balance in a lump sum at the end of the 0% offer. That’s fine, as long as you remember to make the minimum payment on the card each month – if you don’t, you’ll incur penalty charges.

And remember to make a note of the date when the full amount is due.

Where to next?

What is a good credit score?

Will I be accepted for a credit card? 

How long will it take to be accepted for a credit card? 

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.


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