Premium Credit Cards

Premium credit cards offer impressive rewards and benefits for those with a strong credit score.

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British Airways American Express® Credit Card

2015 award winner
limited offer Reward Travel Airline Instant Decision No Annual Fee

British Airways American Express® Credit Card

  • 3000 Avios when spending £500 within the first 3 months
  • Companion Voucher when you spend £20000 in one year
  • 1 Avios for every £1 spent
more info
15.9% APR
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • have an annual household Income of £20,000
  • have a permanent UK home address
  • have no County Court Judgements
  • have been trading for 6 months if self-employed

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 15.9% (variable) per annum, your representative APR is 15.9% APR (variable).

British Airways American Express® Premium Plus Credit Card

2015 award winner
limited offer Reward Travel Airline Instant Decision

British Airways American Express® Premium Plus Credit Card

  • 18,000 bonus points when you spend £3,000 in your first 3 months
  • 1.5 Avios for every £1 spent; 3 Avios for every £1 spent directly with British Airways
  • Companion Voucher when you spend £10000 in one year
more info
56.4% APR
Representative (variable)
OriginalAvios
£150
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £150 annual fee, your representative APR is 56.4% APR (variable).

American Express Platinum Cashback Credit Card

2015 award winner
Reward Cashback

American Express Platinum Cashback Credit Card

  • 5% cashback in your first 3 months (up to £125) 1.25% cashback thereafter
  • Bonus 2.5% cashback if you spend more than £10001 in a year
  • £25 annual fee
more info
18.7% APR
Representative (variable)
OriginalCashback
£25
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £20,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 14.0% (variable) per annum, with a £25 annual fee, your representative APR is 18.7% APR (variable).

American Express Preferred Rewards Gold Credit Card

2015 award winner
Reward Travel Airline

American Express Preferred Rewards Gold Credit Card

  • 20,000 bonus Membership Rewards points when you spend £2,000 in your first three months
  • 1 points for virtually every £1 spent and 1 additional point for every £1 spent directly with airlines
  • £0 annual fee in the first year
more info
OriginalAmex Membership Rewards
£140
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £140 applies.

The Starwood Preferred Guest® Credit Card from American Express

2015 award winner
Reward Travel Airline Instant Decision

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first 3 months
  • Redeem points on flights and luxury hotels
more info
36.2% APR
Representative (variable)
OriginalSPG Starpoints
£75
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 19.9% (variable) per annum, with a £75 annual fee, your representative APR is 36.2% APR (variable).

Lloyds Bank Avios Rewards Amex/MasterCard

0% Purchase Reward Travel Airline

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent (double in first 6 months)
  • No foreign transaction fees
  • £24 annual fee
more info
23.7% APR
Representative (variable)
OriginalAvios
£24
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • no balance transfers from Lloyds credit cards

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.94% (variable) per annum, with a £24 monthly fee, your representative APR is 23.7% APR (variable).

TSB Premier Avios Amex/MasterCard

Reward Travel Airline

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points for every £1 spent (double when spending abroad)
  • Companion ticket when you spend £15000 in one year
  • 1500 bonus Avios for every £1000 balance transferred from a single provider
more info
23.7% APR
Representative (variable)
OriginalAvios
£50
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 13.95% (variable) per annum, with a £50 monthly fee, your representative APR is 23.7% APR (variable).

TSB Avios Amex/MasterCard

Reward Travel Airline

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • 1500 bonus Avios for every whole £1000 balance you transfer from a single provider
more info
17.9% APR
Representative (variable)
OriginalAvios
No fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.95% (variable) per annum, your representative APR is 17.9% APR (variable).

Emirates Skywards Elite Credit Card

2015 award winner
0% Balance Transfer Reward Travel Airline Money Transfer 0% Purchase

Emirates Skywards Elite Credit Card

  • 6 months 0% on money and balance transfers made in first 90 days (2% fee)
  • 0% on Emirates flights for up to 12 months
  • 10,000 Skyward Miles if you make a purchase within 90 days (15,000 bonus if you spend over £2,000)
more info
54.9% APR
Representative (variable)
OriginalEmirates Skywards
£150
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £150 annual fee, your representative APR is 54.9% APR (variable).

Virgin Atlantic White Credit Card Account

Reward Airline Money Transfer No Annual Fee Travel

Virgin Atlantic White Credit Card Account

  • 3,000 miles with first card purchase made in first 90 days
  • 0% on balance and money transfers for up to 6 months
more info
17.9% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
No fee
Apply
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a building society account

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 17.9% (variable) per annum, your representative APR is 17.9% APR (variable).

Virgin Atlantic Black Credit Card Account

Airline Money Transfer Reward Travel

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with first purchase made in first 90 days
  • 0% on balance and money transfers for up to 6 months
more info
52.0% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
£140
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • be a UK resident
  • have a building society account

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 18.9% (variable) per annum, with a £140 annual fee, your representative APR is 52.0% APR (variable).

NatWest Cashback Plus Credit Card

limited offer Cashback Reward

NatWest Cashback Plus Credit Card

  • OFFER - 10% cashback on UK restaurants/bars spending (April 1st - September 30th)
  • 1% cashback on supermarket shopping and from selected retailers
  • 0.5% cashback on all other purchases
  • additional 1% if you use contactless
more info
17.4% APR
Representative (variable)
OriginalCashback
£24
Annual fee
Apply
To get this card you must at least:
  • be a permanent UK resident
  • be 18 or older
  • have an income of £10,000 or more
  • have a good credit rating

Additional criteria for acceptance from the lender may apply.

Representative example: When you spend £1,200 at a rate of 12.9% (variable) per annum, with a £24 annual fee, your representative APR is 17.4% APR (variable).

The Platinum Credit Card

most popular
2015 award winner
Reward Travel Airline

The Platinum Credit Card

  • Receive 30,000 Membership Rewards® points when you spend £2,000 in the first three months 
  • One Membership Reward point for virtually every £1 spent
  • Platinum Travel and Concierge Service, unlimited access to over 700 airport lounges
more info
OriginalAmex Membership Rewards
£450
Annual fee
Apply
To get this card you must at least:
  • be 18 or older
  • have a current UK bank or building society account
  • be a permanent UK resident
  • have an income of £20,000 or more
  • have no history of bad debt

Additional criteria for acceptance from the lender may apply.

Charge card: No interest charges. Balance must be paid in full each month. Annual fee of £450 applies.

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Premium Credit Cards

Frequently asked questions

Premium credit cards

Having a premium card has long been a powerful status symbol, and it's no surprise with the extensive benefits cardholders enjoy, from concierge services, to access to exclusive airport lounges.

So if you're looking for a card with prestige, then a premium credit card could be the way to go. If you're looking for a few simple rewards or maybe even some cashback, then look at rewards credit cards and cashback credit cards.

What are the benefits of a premium credit card?

The main selling point of premium cards is the exclusive benefits available to cardholders.

These will vary depending on the card you choose, but may include:

  • A high credit limit
  • Comprehensive worldwide travel insurance for you and your family
  • Breakdown cover or roadside assistance
  • Reward or loyalty points, which you can exchange for a wide variety of goods and services, including flights.
  • A concierge or personal assistant service, available 24 hours a day to help you arrange almost anything.
  • Access to exclusive airport lounges worldwide.

For some people, particularly those who travel frequently, these benefits can be very appealing – saving time and making life a little easier and more comfortable.

Disadvantages to premium credit cards

The added extras and personalised service that you get with a premium credit card doesn't come for free – with most premium cards you pay an annual fee, usually of around £250-300, although this varies.

The APR on premium credit cards can also look very high – often around the 50% mark.

This is because the annual fee has to be shown as part of the APR under Consumer Credit Act regulations.

So if the standard APR for purchases was 16.8%, for example, and the card had a £250 annual fee, the APR would have to be shown as 51.8% taking the fee into consideration.

Things to consider when choosing a premium card

Some of the very high-end premium credit cards are available on an invitation only basis, while others specify a minimum income that cardholders must meet.

Most premium credit cards will insist on a strong credit history, so it could be worth checking your credit report before you apply.

Some premium cards are actually charge cards. These differ from credit cards, in that they allow you to spend interest-free credit, but you must pay your balance in full every month.

However, they do not allow you to borrow money in the same way as a credit card.

It is also worth considering how valuable the benefits that come with a premium credit card will be to you personally before you sign-up and start paying the annual fee.

Premium cards can be great value for money if the benefits are relevant to you and you will make the most of them, otherwise, a standard credit card may be a more economical option.

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