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September 2024: Best Premium Credit Cards from Our Partners
Now, you've worked hard to reach and keep your excellent credit. It's high time you reap the benefits. Upgrade your credit card to one of the high-end credit cards and enjoy rewards and perks. Premium credit cards are generally geared toward travelers as most of their benefits are travel benefits. However, premium cards also offer big welcome bonuses, terrific rewards and luxury perks. Below you will find exclusive credit cards offered by our partners.
Premium Bonus Offer
CREDIT CARD OF September 2024
- Click "APPLY ONLINE" to apply now
- Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
- Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
Best Luxury Credit Cards
When choosing a premium credit card with elite perks, evaluate the cards benefits to make sure you will be able to maximize perks. Sign-up bonuses are good incentives, but do not forget about long-term rewards. Then evaluate customer service and perks. Think what benefits you value most and make sure that elite credit card will give them to you. Since premium credit cards are very expensive, make sure the card's annual fee will be justified.
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- Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
- Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
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- Click "APPLY ONLINE" to apply now
- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $120 credit for Global Entry or TSA PreCheck®
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
- Transfer your miles to your choice of 15+ travel loyalty programs
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- UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. You could turn 35,000 Miles to 70,000 Miles. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match.
- Automatically earn unlimited 1.5x Miles on every dollar of every purchase
- No annual fee
- Turn Miles into cash. Or redeem as a statement credit for your travel purchases like airfare, hotels, rideshares, gas stations, restaurants and more.
- 0% intro APR for 15 months on purchases. Then 18.24% - 28.24% Standard Variable Purchase APR will apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Discover is accepted nationwide by 99% of the places that take credit cards.
- Terms and conditions apply.
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
- Redeem your rewards for cash at any time.
- Apply and you could get a decision in as little as 60 seconds.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Get a 0% intro APR for 15 months on purchases. Then 18.24% to 28.24% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Terms and conditions apply.
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- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Rates & Fees
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- INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Get a 0% intro APR for 18 months on balance transfers. Then 18.24% to 28.24% Standard Variable APR applies, based on credit worthiness.
- Redeem your rewards for cash at any time.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee.
- Terms and conditions apply.
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- Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
- Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.
- Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming services, and phone plans. Plus, earn 1X points on other purchases.
- $0 annual fee.
- 0% intro APR for 12 months from account opening on purchases. 20.24%, 25.24%, or 29.99% variable APR thereafter.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
- Redeem your rewards points for travel, gift cards, or statement credits. Or shop at millions of online stores and redeem your rewards when you check out with PayPal.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Rates & Fees
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questionsABOUT PREMIUM
CREDIT CARDS
Are luxury credit cards worth the annual fee?
Exclusive credit cards with luxury benefits often come with hefty annual fees, so if you do not use the card's benefits, you may better be off with a lower tier credit card that has lower or no annual fee. However,...
Read moreWhat are the advantages of elite credit cards?
Elite credit cards are loaded with perks and allow earning rewards. If you use all the benefits the card offers, they can be good value for money. It will be much cheaper to pay the card's annual fee (with can be pretty...
Read moreHow premium credit cards are different from standard credit cards?
Premium credit cards work in a similar way to standard credit cards - you have a line of credit that you can use to make purchases and make monthly payments on your credit card. Interest rates do not usually differ...
Read more
betting on PREMIUM
CREDIT CARDS
If you are after prestigious credit cards, you may discover that there are quite a lot of them out there. Most of them are geared at frequent travelers and very expensive. You will generally need to pay $550-$695 for a best premium credit card. However, like many annual fee credit cards, premium credit cards pay for themselves when you actually use the card's benefits and rewards. Here are some questions you may wonder when choosing a premium credit card.
01. How do I get a premium credit card?
To begin with, you should have good income and excellent credit. Since high-end credit cards are not cheap, $550-$695 per year on average, you will need to have good income to pay for them. Also, these cards come with rewards and great sign-up bonuses, but to get them, you will have to spend a lot, like really a lot of money on your credit card. Only this way that crazy annual fee will be worth it. And of course, premium credit cards are loaded with perks, that's actually what you are paying for. If you are not going to use any of the offered perks, then you'd better skip premium credit cards and look for cheaper, general credit cards.
02. Do credit cards for average credit offer premium rewards and benefits?
General credit card for average credit can offer some rewards and benefits, but they are generally nothing compared to what premium cards have to offer. Exclusive credit cards are designed for travelers and most of their benefits are travel benefits, which may include access to lounges, annual travel credits or bonuses, TSA Precheck or Global Entry credits, or companion certificates. As for ongoing rewards, they may be more o less the same, but premium credit cards tend to grant more rewards in specific shopping categories like travel or entertainment.
03. How to get an excellent credit score?
That is not as easy as it may look at first sight. It requires time and dedication. To start with, all your credit card accounts should be in good standing. You should always make all monthly payments with all your creditors on time. Then look at your credit utilization ratio. Your goal is to keep it below 30% on each individual card and overall. Also, you should always monitor your credit reports in case of errors or simply to detect negative items and deal with them as fast as you can. Keeping credit cards in good standing is important but that's not the only thing that makes your credit score. A good mix of credit accounts can also help you boost your credit. For example, you can take a small personal loan and pay it off consistently on time.
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CREDIT CARDS
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