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

Go to site

Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR

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.

image

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.

image

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.

image

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.

Go to site

Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

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
Show key information
Close
Go to site

Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
Go to site

Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • You'll get 20,000 Membership Rewards points when you spend £2,000 within your first three months of card membership
  • You'll earn 1 Membership Rewards point for every full £1 you spend on purchases and extra points on selected purchases such as airlines and foreign currency
  • You'll get Lounge Club™ membership and two complimentary airport lounge visits per year at a choice of over 700 airports worldwide
But be aware that
  • There is a £140 (£0 in first year) annual fee
Show key information
Close
Go to site

Sorry, we can't help you to apply for this product

Balance transfer
{{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths}} {{'month' | pluralize}} {{product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.balanceTransfer.durationInMonths !== undefined ? 'then' : ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.balanceTransfer.annualRate | number : 2)}}% {{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee
Purchases
{{::product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate}}% {{::product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{'month' | pluralize : product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths}} {{product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.annualRate !== undefined && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== null && product.productAttributes.interestRates.introductoryInterestRates.purchase.durationInMonths !== undefined ? 'then': ''}} {{::+(product.productAttributes.interestRates.longTermInterestRates.purchase.annualRate | number : 2)}}%
Rewards No rewards
Representative APR % APR
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

Go to site

Sorry, we can't help you to apply for this product

Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} interest rate of {{::product.productAttributes.interestRates.representativeExample.interestRate}}% p.a. ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative rate will be {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}}).

You have been pre-approved. Your credit limit will be allocated based on your personal circumstances.

Great for
  • Get a companion voucher every year when you spend at least £10,000 on your card
  • 25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • Earn 3 Avios for virtually every full £1 you spend with British Airways and BA Holidays, 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
Show key information
Close

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.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

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.