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By Brendan Harkness
We’ve only included cards you can actually apply for on this page — there are also some premium premium cards, like the Centurion® Card from American Express (Review) and Dubai First Royale Card. But they’re exclusive and typically invite-only, so most of us are stuck gazing at them from afar.
By Brendan Harkness
You might be surprised to learn that a premium travel rewards credit card isn’t out of reach, and could fit your lifestyle pretty well if you travel with any regularity.
One of the first things you’ll probably notice about these cards is the annual fee. It’s usually at least $450, sometimes as high as $550 or more. For many people that’s a deal breaker right off the bat.
But consider this: Most premium cards also have annual travel credits, which can knock down the annual fee by $250 or more, sometimes even completely. Then you’ve got the perks, some of which have definite values (a Global Entry application fee credit is $100) and some that can vary (a free hotel night).
The value you get from your card will depend on how much you use it, and how you feel about the features. How much would you value Amex’s Global Lounge Collection, which provides access to a wide swath of airport lounges? If you fly every month and love to lounge, maybe a lot; if you fly once or twice per year, or don’t care about lounges, maybe not very much.
Although they’re typically designed for people with high credit scores, many people qualify for premium cards with scores in the “good” range. That’s because credit card applications take into account more factors than just your scores, like income. You may have a better shot at approval than you think (see if you’re pre-qualified before you apply).
So, consider your recent travel habits and any upcoming plans. If you’ll get enough out of it, taking advantage of the perks and using your rewards wisely, a premium card could give back far more than you put into it.
American Express is a Credit Card Insider advertiser.
The information related to Hilton Honors American Express Aspire Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
We typically recommend other cards over that one, however, because you can get better rewards and perks for a smaller fee. Check out the Chase Sapphire Reserve® (Review) or The Platinum Card® from American Express (Review) if you want luxury benefits, like airport lounge access and complimentary services.
There are also some invitation-only cards that you probably can’t get your hands on (but hey, maybe one day). The fabled Centurion® Card from American Express (Review) costs $5,000 per year — and that’s after an initiation fee of $10,000! And there are a few other cards in similar (but significantly smaller) boats.
“Premium” is in the eye of the beholder — most high-end cards cost more than $500 per year, but there are a few that are a bit less expensive:
The most prestigious credit cards in the world — in terms of being the most exclusive — include the following invite-only cards:
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.
For rates and fees of the Hilton Honors American Express Aspire Card, please click here.
For rates and fees of The Platinum Card® from American Express, please click here.
For rates and fees of the Delta SkyMiles® Reserve American Express Card, please click here.
For rates and fees of The Business Platinum Card® from American Express, please click here.
For rates and fees of the American Express® Business Gold Card, please click here.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Centurion® Card from American Express, Delta SkyMiles® Reserve Business American Express Card, and American Express® Business Gold Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.