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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

British Airways American Express® Credit Card

2015 award winner

British Airways American Express® Credit Card

  • 3,000 Avios when you spend £500 in first three months of Cardmembership
  • Companion voucher when you spend £20,000 in one year
  • 1 Avios point for every £1 spent
More info
22.9% APR
Representative (variable)
OriginalAvios
No fee
Can I get this card?
?
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 22.9% (variable) per annum, your representative APR is 22.9% APR (variable)
British Airways  American Express® Premium Plus Credit Card

British Airways American Express® Premium Plus Credit Card

2015 award winner

British Airways American Express® Premium Plus Credit Card

  • 18,000 Avios when you spend £3,000 in first three months of Cardmembership
  • 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
60.7% APR
Representative (variable)
OriginalAvios
£150
Can I get this card?
?
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 22.9% (variable) per annum, with a £150 annual fee, your representative APR is 60.7% APR (variable)
American Express Platinum Cashback Credit Card

American Express Platinum Cashback Credit Card

2015 award winner

American Express Platinum Cashback Credit Card

  • 5% cashback in your first three months (up to £125)
  • Bonus 2.5% cashback if you spend more than £10,001 in a year
  • £25 annual fee
More info
28.2% APR
Representative (variable)
OriginalCashback
£25
Can I get this card?
?
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 22.9% (variable) per annum, with a £25 annual fee, your representative APR is 28.2% APR (variable)
American Express Preferred Rewards Gold Card

American Express Preferred Rewards Gold Card

2015 award winner

American Express Preferred Rewards Gold 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
  • No annual fee in the first year
More info
OriginalAmex Membership Rewards
£140
Can I get this card?
?
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

The Starwood Preferred Guest® Credit Card from American Express

2015 award winner

The Starwood Preferred Guest® Credit Card from American Express

  • 1 Starpoint per £1 spent. 10000 point bonus for £1,000 spend in first three months
  • Redeem points on flights and luxury hotels
More info
36.2% APR
Representative (variable)
OriginalSPG Starpoints
£75
Can I get this card?
?
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

Lloyds Bank Avios Rewards Amex/MasterCard

Lloyds Bank Avios Rewards Amex/MasterCard

  • Up to 1.25 Avios for every £1 spent (double in first six months)
  • No foreign transaction fees
  • £24 annual fee
More info
23.7% APR
Representative (variable)
OriginalAvios
£24
Can I get this card?
?
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 annual fee, your representative APR is 23.7% APR (variable)
TSB Premier Avios Amex/MasterCard

TSB Premier Avios Amex/MasterCard

TSB Premier Avios Amex/MasterCard

  • Up to 1.25 Avios points per £1 spent (double when spending abroad)
  • Companion ticket when you spend £15,000 in one year
  • 1500 bonus Avios per £1,000 transferred from a single provider
More info
23.7% APR
Representative (variable)
OriginalAvios
£50
Can I get this card?
?
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

TSB Avios Amex/MasterCard

TSB Avios Amex/MasterCard

  • Up to 1 Avios point for every £1 spent
  • Double Avios points when spending abroad
  • 1,500 bonus Avios per £1,000 transferred from a single provider
More info
17.9% APR
Representative (variable)
OriginalAvios
No fee
Can I get this card?
?
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)
Virgin Atlantic White Credit Card Account

Virgin Atlantic White Credit Card Account

Virgin Atlantic White Credit Card Account

  • 3,000 miles with first card purchase within 90 days
  • 0% on balance and money transfers for up to six months
More info
17.9% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
No fee
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident

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

Virgin Atlantic Black Credit Card Account

Virgin Atlantic Black Credit Card Account

  • 18,500 miles with first purchase made within 90 days
  • 0% on balance and money transfers for up to six months
More info
52.0% APR
Representative (variable)
OriginalVirgin Atlantic Flying Club Miles
£140
Can I get this card?
?
To get this card you must at least:
  • be 18 or older
  • be a UK resident

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 Reward Credit Card

NatWest Reward Credit Card

NatWest Reward Credit Card

  • Limited offer - 0.5% on other purchases plus 1% if you use contactless until 31 June 2016
  • 1% in all supermarkets (0.5% at their petrol stations)
More info
23.7% APR
Representative (variable)
OriginalCashback
£24
Can I get this card?
?
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 18.9% (variable) per annum, with a £24 annual fee, your representative APR is 23.7% APR (variable)
The Platinum Card

The Platinum Card

2015 award winner

The Platinum Card

  • Receive 30,000 Membership Rewards® points when you spend £2,000 in the first three months 
  • 1 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
Can I get this card?
?
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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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.

Read more…