Compare premium credit cards

Premium credit cards – everything you need to know

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.

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

Apply for the cards below today or search all credit cards

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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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What's this?
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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
Start
What's this?
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Representative Example: If you spend at {{sliderProduct.productAttributes.interestRates.representativeExample.interestDescription}} rate of {{sliderProduct.productAttributes.interestRates.representativeExample.interestRate}}% ({{sliderProduct.productAttributes.interestRates.representativeExample.fixed === false? 'variable': 'fixed'}}) p.a. with a {{sliderProduct.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{sliderProduct.productAttributes.interestRates.representativeExample.apr}}% APR ({{sliderProduct.productAttributes.interestRates.representativeExample.isAPRFixed === false? 'variable': 'fixed'}})

Main features

Rate type
Rate
Duration
Balance transfers
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Purchases
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Money transfers
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Thereafter
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Fees

Fee type
Fee
Min fee
Balance transfers
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Cash advances
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Money transfers
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Fixed fees
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Annual fee
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Monthly fee
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What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
American Express

American Express

Purchases

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Rewards

  • {{::item}}

  • No rewards

Representative APR
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Purchases

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{{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

  • {{::item}}

  • No rewards

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

American Express

Purchases

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Rewards

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Purchases

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Rewards

  • {{::item}}

  • No rewards

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

American Express

Purchases

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Rewards

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  • No rewards

Representative APR
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Purchases

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Rewards

  • {{::item}}

  • No rewards

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

EXPLORE MORE CREDIT CARDS

What is a premium credit card?

A premium credit card presents a flexible way to manage your spending while earning rewards. They work in a similar way to a standard credit card, but they can offer much more – for a price.

Some premium credit cards are so fancy, they aren't even plastic. The American Express Centurion card, 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 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 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

Reasons people look for a new credit card

According to MoneySuperMarket data correct as of October 2019

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:

  • A high credit rating
  • A high income, at least £40-50,000 a year
  • A higher minimum age
  • Paying an annual fee

Some of the most exclusive cards aren’t open to public applications, meaning 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.

MoneySuperMarket’s Eligibility Checker will show you cards for which you are likely to be accepted, based on the answers you give to a few straightforward questions. This means you can avoid harming your credit score.

How old are credit card owners?

According to MoneySuperMarket data correct as of October 2019

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. You normally pay an annual charge for premium credit cards, ranging from £100 to £500 – or more for the invite-only cards.

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 certain things in mind:

  • Cost: The annual cost of these cards can occasionally outweigh the benefits, sometimes reaching £500 a year, which 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

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
  • Check your score: You can check your credit score for free using the MoneySuperMarket Credit Monitor – where you can also get a free credit report and tips on how to improve your score
  • 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.