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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Top 5 November 2025 premium credit cards
Premium credit cards can provide incredible rewards and perks, but you need to meet strict requirements to be approved. However, because these cards usually have high annual fees, it's important to make sure the benefits outweigh the costs. If you want a card offering airport lounge access, automatic elite status, and other travel benefits, expect to pay a premium. That doesn't mean premium credit cards aren't a good deal. Below you will find exclusive credit cards offered by our partners.
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#1 credit card |
#2 credit card |
#3 credit card |
#4 credit card |
#5 credit card |
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| Citi Strata Elite℠ Card | Mastercard® Gold Card™ | Citi Strata Premier® Card | Mastercard® Black Card® | Mastercard® Titanium Card® |
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| apply now | apply now | apply now | apply now | apply now |
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on Citi's secure website
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on Citi's secure website
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Rewards Earning
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Rewards Bonus
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For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
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N/A
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Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
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Global Entry & TSA PreCheck
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Receive a statement credit, up to $120 every four years, as reimbursement for your application fee for Global Entry® or TSA PreCheck®µ
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Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application for each Mastercard Gold Card Primary Cardmember and Authorized Users.
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N/Aµ
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Receive up to $120 reimbursment credit for a Global Entry or TSA PreCheck® application fee. Global Entry includes access to TSA PreCheck® with no additional application or fee required.
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N/Aµ
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Lounge Access
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Priority Pass™ Select membershipµ
4 Admirals Club® Lounge Access Passesµ |
With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
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N/Aµ
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With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
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With your Luxury Card, enjoy complimentary access to over 1,700 airport lounges and travel experiences in more than 600 cities across 145 countries with Priority Pass™ Select. Access includes unlimited visits for yourself as well as your guests.
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Travel Insurance
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Primary Airline
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Any Airline
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Any Airline
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Any Airline
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Any Airline
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Any Airline
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Foreign Transaction Fee
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0%
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0%
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0%
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0%
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Annual Fee
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$595
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$1,199 ($349 for each Authorized User added to the account)
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$95
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$699 ($249 for each Authorized User added to the account)
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$299 ($149 for each Authorized User added to the account)
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| apply now | apply now | apply now | apply now | apply now |
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on Citi's secure website
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on Citi's secure website
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What exactly is a
premium CREDIT CARD?
Premium credit cards have long been associated with status and prestige. This image often comes from features like their metal build, sleek design, or the exclusivity of being difficult to qualify for. But the market has changed. In the past, some of the most elite cards were available only by invitation. Today, many of these top-tier options can be obtained simply by meeting certain income and credit requirements.
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 status credit cards 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.
1. 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.
2. 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 or less the same, but premium credit cards tend to grant more rewards in specific shopping categories like travel or entertainment.
3. 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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