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. Read more...>

Product Name	Balance Transfer Intro	Purchases Intro	Representative APR (variable)	Rewards

Amex British Airways Premium Plus
n/a
n/a
50.1%
APR
Avios

1.5 Avios for virtually every £1 you spend
Earn 18,000 Avios when you spend £3,000 in the first 3 months
Excellent credit rating required

Representative Example: 50.1% APR variable. Based on £150 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9% / 1.53% per month

Amex British Airways Premium Plus application

Virgin Atlantic Black
0%
6 mths
2.00% fee
n/a
47.2%
APR
Virgin Miles

6,000 Flying Club miles when you make your first purchase
One account with two cards earning you more flying club points
Good credit rating required

Representative Example: 18.9% p.a. (variable) on card purchases. This is equivalent to 47.2% APR representative (variable) based on a credit limit of £1,200. Annual fee of £140 is payable.

Amex British Airways
n/a
n/a
19.9%
APR
Avios

Excellent credit rating required + min household income £30,000
Earn 1 Avios for virtually every £1 you spend
Earn 9,000 Avios when you spend £1000 in your first 3 months of Card membership

Representative Example: 19.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 19.9% p.a. (variable)

NatWest World
0%
13 mths
2.90% fee
0%
13 mths
17.9%
APR
Reward Points

Earn 1 point for every £1 you spend on your NatWest YourPoints World MasterCard
Receive 2,500 bonus points when you apply, and every year thereafter
Very good credit rating required

Representative Example: 17.9% APR (variable) based on assumed Credit Limit of £1,200*. Standard interest rate for purchases: 17.95% p.a. (variable). *Your credit limit may vary depending upon your circumstances

Lloyds TSB Premier Duo Avios
0%
6 mths
3.00% fee
n/a
21.9%
APR
Collect Avios

Collect double Avios abroad
The annual fee is £50, but Lloyds will refund half of that for your first year – so you will only pay the equivalent of £25
Good credit rating required

Representative Example: 21.90% APR representative (variable). Based on a credit limit of £1,200* and a purchase rate of 13.95% p.a. (variable) *Your credit limit may vary depending upon your circumstances Annual fee of £50 is payable.

Lloyds TSB Premier Duo Avios application

RBS World
0%
13 mths
2.90% fee
0%
13 mths
17.9%
APR
Reward Points

Earn MasterCard rewards points
Receive 2,500 bonus points when you apply, and every year thereafter
Very good credit rating required

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 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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