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Premium/Premier Credit Cards

For an annual fee, premium credit cards offer benefits you don’t get with standard cards such as concierge services and access to airport lounges. Use our free, independent & whole of the market comparison to find the best premium card.


Select the type of credit card you are interested in.

NatWest Black

Representative Example: If you spend £15,000 at an annual interest rate of 14.8% (variable) with a £250 annual Fee your Representative APR will be 18.6% (variable).


Virgin Credit Card

Representative Example: If you spend £1,200 at an annual interest rate of 16.8% (variable) your Representative APR will be 16.8% (variable).


Royal Bank of Scotland Platinum

Representative Example: If you spend £1,200 at an annual interest rate of 16.9% (variable) your Representative APR will be 16.9% (variable).




Different premium credit cards offer a different range of rewards but these often include benefits like breakdown cover, comprehensive travel insurance and access to airport lounges. Some premium cards also offer a concierge service, which is a bit like having your own personal assistant – they can help with hotel and restaurant bookings and even arrange things such as a delivery of flowers or a gift should you forget a birthday or anniversary. Some offer a points-based system that allows you to earn money off various services. And as mentioned above, premium credit cards offer higher credit limits than those on standard cards.


What are "premium credit cards?

As a rule, credit scores analyze the credit-related information on your credit report. How they do this varies. Since FICO scores are frequently used, here is how these scores assess what is on your credit report.

1. Your payment history – about 35% of a FICO score Have you paid your credit accounts on time? Late payments, bankruptcies, and other negative items can hurt your credit score. But a solid record of on-time payments helps your score.

2. How much you owe – about 30% of a FICO score FICO scores look at the amounts you owe on all your accounts, the number of accounts with balances, and how much of your available credit you are using. The more you owe compared to your credit limit, the lower your score will be.

3. Length of your credit history – about 15% of a FICO score A longer credit history will increase your score. However, you can get a high score with a short credit history if the rest of your credit report shows responsible credit management.

4. New credit – about 10% of a FICO score If you have recently applied for or opened new credit accounts, your credit score will weigh this fact against the rest of your credit history. FICO scores distinguish between a search for a single loan and a search for many new credit lines, in part by the length of time over which inquiries occur. If you need a loan, do your rate shopping within a focused period of time, such as 30 days, to avoid lowering your FICO score.

5. Other factors – about 10% of a FICO score Several minor factors also can influence your score. For example, having a mix of credit types on your credit report – credit cards, installment loans such as a mortgage or auto loan, and personal lines of credit – is normal for people with longer credit histories and can add slightly to their scores.


Premium Credit Cards: The Value Beyond the Cost

A premium credit card is a step above your average card: better rewards and extra perks offered at, well, a premium. These exclusive credit cards come with additional goodies like lounge access and free plane tickets, as well as hefty annual fees. Oh, and they’re off-limits to most of us normal folks. Not only are the premium credit cards restricted to those with excellent credit, but some annual fees are pushed exorbitantly high to mark the elite status of those who pay them (exhibit A: the American Express Centurion, which has a $5,000 initiation fee plus a $2,500 annual fee.)