Compare theBest Credit CardsCompare UK credit cards to find the best credit card deals for you!
Rewards Credit Card DefinitionRepresentative APR (Variable) Credit Card DefinitionPurchases Credit Card DefinitionBalance Transfers Credit Card Definition
American Express Platinum Charge Card
American ExpressPlatinum Charge Card
  • Concierge
  • VIP
  • Travel
N/AAPR
N/A
N/A
  • Bonus 40,000 points when you spend £1,500 in 1st 3 months
  • Concierge service and a world of VIP treatment
  • The Platinum Service - Complete travel planning and booking
  • Extensive worldwide travel insurance for family
  • Annual fee of £300
  • Minimum household income of £40,000 required
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Virgin Money Atlantic Black Amex
Virgin MoneyAtlantic Black Amex
  • Virgin Miles
  • Travel
  • Shopping
47.2%APR
18.9%
0%6 months
2% fee
  • 6,000 bonus miles with your first purchase
  • 2 miles for every £1 spent
  • Premium Economy upgrades and companion reward flights
  • Complimentary travel insurance
  • Exclusive shopping, dining and travel offers
  • £140 annual fee
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Representative Example: Based on a credit limit of £1,200 charged at 18.9% (variable) p.a. for purchases with £140 annual fee. 47.2% APR (variable).
American Express Gold Charge Card
American ExpressGold Charge Card
  • Travel
  • Shopping
  • Rewards
N/AAPR
N/A
N/A
  • Earn 1 point for every £1 spent
  • Bonus 20,000 points in 1st 3 months when you spend £1000
  • Gold Card Travel Service (planning and booking)
  • Travel accident benefits
  • Annual fee of £125 (£95 in 1st year)
  • Minimum household income of £20,000
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American Express Starwood Preferred Guest Credit Card
American ExpressStarwood Preferred Guest
  • Starpoints
  • Travel
  • Hotels
34.5%APR
19.9%
No offer
  • Earn 1 Starpoint per £1 spent on all purchases
  • Bonus 10,000 Starpoints in 1st 3 months when you spend £1,000
  • Complimentary nights at Starwood hotels and resorts
  • Complimentary flights on over 350 airlines
  • Annual fee of £75
  • Household income must be over £30,000
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Representative Example: Based on a credit limit of £1,200 charged at 19.9% (variable) p.a. for purchases with £75 annual fee. 34.5% APR (variable).
American Express British Airways Premium Plus
American ExpressBritish Airways Premium Plus
  • Avios
  • Travel
50.1%APR
19.9%
No offer
  • 1.5 Avios for every £1 you spend
  • 18,000 bonus Avios (limited offer)
  • Companion Voucher each year when you spend £10,000
  • Travel accident benefits up to £250,000
  • £150 annual fee & must have minimum £30k holdhold income
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Representative Example: Based on a credit limit of £1,200 charged at 19.9% (variable) p.a. for purchases with £150 annual fee. 50.1% APR (variable).

Premium Credit Cards

Premium credit cards have extensive benefits, and are known as a status symbol that holds prestige. The benefits include concierge services and access to first-class airport lounges. If you love travelling and eating out, then the premium credit card is certainly worth considering. Other benefits include:

  • A high credit limit
  • Travel insurance - not only for you, but for your entire family
  • Breakdown cover and roadside assistance
  • Rewards points
  • Airmiles
  • A concierge/personal assistant service

There is usually an annual fee involved with a premium credit card, which is usually between £200 and £300 per year, but can be as high as £650. Some exclusive credit cards are available by invitation only, however, most just specify a minimum income that you must meet. In addition to this, you'll need to have an excellent credit history. They seem expensive, but can actually provide great value for money if you're interested in the benefits they have to offer. As a higher earner, who may benefit from some of the great products on offer, it may be difficult to choose the perfect premium credit card.

Of course, as with all cards, all providers are different. You need to make sure that the amount you spend on a premium credit card is worth it for the amount you get back in benefits.

If you are looking for a credit card that does far more than other lenders, you will find that premium credit cards are an essential investment. Some premium providers have strong connections with the most prominent names in retail - including Harrods, Harvey Nichols and even Gucci. If you are in town but want to enjoy shopping in privacy and comfort, extended opening hours exclusively for you, as well as personalised gift-wrap and delivery, are all complimentary services that are offered in conjunction with some premium credit cards.

Different premium cards are good for different purposes. For example, whereas one card will be perfect for those with larger salaries who process all of their transactions through one card, the high interest rates levied by another provider could mean that the service isn't ideal for those who need a long-term borrowing solution. If you enjoy living the life of luxury, and you expect the same from your credit card, premium services could offer you perks beyond your wildest dreams.