Selected Premium Credit Cards for January 2019
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TOP 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 best premium 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 premium credit cards offered by our partners.
CREDIT CARDS WITH PREMIUM BENEFITS
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 premium 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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REWARDS:
Bonus:
INTRO OFFER: Discover will match ALL the Miles you've earned at the end of your first year, automatically. For example, if you earn 30,000 Miles, you get 60,000 Miles. That's $600 towards travel!
Redeem your Miles as a statement credit towards travel purchases.
Earning Rewards:
- Earn unlimited 1.5x Miles for every dollar spent on all purchases all with no annual fee.
APRs & FEES:
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REWARDS:
Bonus:
50000 Miles once you spend $3,000 on purchases within 3 months from account opening
Fly any airline, stay at any hotel, anytime; no blackout dates. Plus transfer your miles to over 12 leading travel loyalty programs
Earning Rewards:
- Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
APRs & FEES:
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REWARDS:
Bonus:
INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
Redeem cash back any amount, any time. Rewards never expire.
Earning Rewards:
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate.
- Plus, earn unlimited 1% cash back on all other purchases - automatically.
APRs & FEES:
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REWARDS:
Bonus:
$500 Cash Back after you spend $3000 on purchases within 3 months from account opening
You can redeem cash back for any amount
Earning Rewards:
- Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
APRs & FEES:
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REWARDS:
Bonus:
Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
50,000 Points are redeemable for $625 in airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center, or $500 in gift cards when redeemed at thankyou.com
Earning Rewards:
- Earn 3X Points on Travel, Including Gas Stations
- Earn 2X Points on Dining Out & Entertainment
- Earn 1X Points on All Other Purchases
APRs & FEES:
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REWARDS:
Bonus:
Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
Earning Rewards:
- Earn unlimited 2X miles on every purchase
- Get 5% miles back to use toward your next redemption, every time you redeem
APRs & FEES:
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REWARDS:
Earning Rewards:
- 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
APRs & FEES:
Related User Questions:
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You Might Be Interested In These FAQs about choosing a Premium Credit Card:
If you are after premium 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 $450-$550 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.
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How do I get a premium credit card?
To begin with, you should have good income and excellent credit. Since premium credit cards are not cheap, $450-$550 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.
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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. Premium 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.
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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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