Premier Credit Cards

Premier credit card holders enjoy a range of benefits from access to exclusive airport departure lounges to concierge services and other travel-related benefits so it’s easy to see why there’s an element of prestige that comes with holding a premium card.

	Lloyds TSB Airmiles Duo Double points when spending abroad	15.9%	Collect Airmiles
		** Get 2 free flights in 3 months **
	Amex Platinum Charge Card Earn 1 Reward point for virtually every £1 spent	0%	Membership Reward Points
		** Good benefits for frequent travellers **
	Amex British Airways Premium Plus Great card for the regular flyer. Annual fee £150.	46%	1.5 BA Airmiles for every £1 spent + more...
		** Receive 18,000 bonus BA Airmiles when you spend £3,000 in first 3 months **

Choosing Premier Cards

The main reason consumers are attracted to premier credit cards is because of the exclusive benefits that come with the credit card account. The benefits offered by premium cards tend to differ between providers but may include a large credit limit, breakdown cover, comprehensive family travel insurance, reward schemes offering a variety of free goods and services (such as flights), a concierge service available 24 hours of the day to help you arrange close to everything and access to exclusive departure lounges in airports across the world.

However, it is worth nearing in mind that most premier credit cards do come with annual fees, which you could argue are offset by the great benefits that come with the card.

Another thing to consider is that some of the most prestigious premier cards are only available on an invitation only basis. Plus, some premiere cards require you to have a set minimum income.

It is also worth checking your credit report (sign up for a free trial with CreditExpert to get a copy of your credit report for free) before you apply for a premier credit card because most require you to have an excellent credit score and history.

If you are unlikely to make the most of the benefits that come with premier cards, it is unlikely that you will get value for money after paying the annual fee so you may want to consider getting a standard credit card as this may work out better for your wallet.

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