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Premium Credit Cards

Updated: Nov. 05, 2018

Whether you’re a regular traveler or simply looking to earn points on meals out, premium credit cards offer a buffet of travel and dining rewards. With a good credit score and an annual payment—which is sometimes waived the first year—you can gain access to first rate travel benefits like airport club access, free seat upgrades, and 24/7 concierge service. Take caution, the cool metal construction of a premium card and the allure of luxurious benefits might be too much for your wallet to resist.

Our team assessed insights from every perspective that matters—from real consumers and trusted experts to brands and retailers. Our findings are laid out so that you can determine the criteria that’s most essential to you.

Premium Credit Cards

Whether you’re a regular traveler or simply looking to earn points on meals out, premium credit cards offer a buffet of travel and dining rewards. With a good credit score and an annual payment—which is sometimes waived the first year—you can gain access to first rate travel benefits like airport club access, free seat upgrades, and 24/7 concierge service. Take caution, the cool metal construction of a premium card and the allure of luxurious benefits might be too much for your wallet to resist.

Our team assessed insights from every perspective that matters—from real consumers and trusted experts to brands and retailers. Our findings are laid out so that you can determine the criteria that’s most essential to you.

The Quid Pick

American Express Gold Card

While many premium credit cards focus on travel, our top premium credit card rewards dining. Customers and experts agree that it has the best rewards on restaurants and groceries. While most of American Express Gold Card’s membership points go towards food, this card also offers benefits for flights booked through Amex travel (as well as some gas points). Food enthusiasts and frequent domestic travelers will enjoy the easy accumulation of points as well as this card’s additional airline perks.

Quid Score

85

|

Lowest Price

$250

Top Ten Premium Credit Cards

The Quid Pick might not be ideal for everyone. Different people have different needs. Here are the Quiddity-approved Top 10 premium credit cards.

Our methodology

Frequently Asked Questions

What are premium credit cards?

Premium credit cards are cards that require an annual fee but provide benefits and rewards in return. These rewards often include travel and dining.

What are the most exclusive credit cards?

There are a number of credit cards that are only eligible for high spenders with a good credit score. Two of the most exclusive are included in our top 10: the Chase Sapphire Reserve and the Mastercard Black Card.

How do I apply for my first credit card?

Applying for a credit card is as simple as filling out and submitting an online form. However, whether or not you will be approved depends on your credit score, any accounts that failed to make the minimum monthly payment by the due date, credit history, income, credit card use rate, and hard inquiries.

What is APR on a credit card?

APR stands for “annual percentage rate.” It is an interest rate on credit cards that initially starts as a yearly rate. Depending on the card, you can avoid paying interest if you pay the balance at the end of each month.

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