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Premium Credit Cards
21 Jul 2018

The 5 Best Premium Credit Cards for 2018

Got a great credit score? Congratulations! Pulling that off means you have the right dedication and a sense of good money management.

Thanks to your brilliance, you’ve probably got a little room to celebrate. Why not do so by getting yourself a credit card?

Getting a credit card doesn’t mean you’ll be ruining your financial success. On the contrary, you can add to it just by getting a credit card.

You only want the best though, so be prepared to compare. Not all credit cards are created equal!

You don’t want just any credit card. Sure, you want a good rate, and you should look for one. But what about the perks?

Whether you’re looking for travel benefits or hotel add-ons, there’s a card out there for you.

There’s no reason to go with a mediocre card when you have the wiggle room to consider premium credit cards. To get you started, here’s our list of five of the best premium credit cards to choose from.

1. American Express: The Platinum Card

If you plan to travel often, the American Express Platinum Card may be the card for you. Upon signing up, enjoy the perk of 60,000 points if you spend $5000 in your first three months of membership.

Flights and hotel stays booked through the American Express travel website earn you five points per dollar, and you’ll also receive points for spending money elsewhere.

You’ll also enjoy $200 toward airfare fees each year, as well as $200 in Uber ride credits.

American Express isn’t as accepted as other cards worldwide, but when you do make foreign transactions, there will be no additional fee.

Your hotel stay will be a guaranteed luxury, as you’ll receive automatic Gold status at Hilton and Starwood hotels. Tops that off with free room upgrades and a $75 hotel credit in some situations.

To keep you covered, this premium card also includes travel insurance, baggage insurance, and complimentary roadside assistance.

All this can be yours for a yearly $550 fee, plus a yearly fee of $175 for up to three authorized users.

2. Chase Sapphire Reserve

The Chase Sapphire Reserve card provides the ultimate in luxury for credit card holders. Enjoy triple points on all travel and dining purchases. You’ll also enjoy an annual travel credit of $300.

For all other purchases, you’ll receive one point per dollar spent. If you spend $4000 within your first three months, you’ll also receive 40,000 bonus points!

Enjoy airport lounge access, several travel insurances including baggage delay and emergency evacuation and transportation coverage. Choose Silvercar rentals, and you’ll receive a 30% discount.

Redeem your points for travel through the Chase Ultimate Rewards program and your points will be worth 50% more!

This card is yours for an annual fee of $450, and only $75 annually for each additional user.

3. Ritz-Carlton Rewards Credit Card

As a holder of this card, you’ll receive 5X points at all Ritz-Carlton Rewards, Marriott Rewards, and SPG hotels. You’ll also get double points on airline tickets purchased directly from the carrier, car rentals, and restaurants.

Add one point per dollar spent elsewhere and you’ll be racking up those points pronto!

Receive 10,000 bonus points when you add an authorized user who purchases in your first three months. And if you spend $4000 in those three months, you’ll receive two free nights at a participating Tier 1-4 Ritz-Carlton hotel!

Amp up your airport waiting periods with access to airport lounges. Your guests get access too!

Apply your $300 travel credit to seat upgrades or in-flight entertainment, internet and meals. And enjoy insurances that keep your luggage and trip safe.

This card will cost you a $450 annual fee, and there’s no cost for authorized users!

4. Citi / AAdvantage Executive World Elite Mastercard

Receive 50,000 bonus miles when you spend $5000 in the first three months after signing up for this card! Plus, receive two miles for each dollar spent on eligible American Airlines purchases and one mile per dollar on other purchases.

As a cardholder, you’ll receive one free checked bag, plus up to eight companions will receive that benefit as well!

Enjoy membership in the Admirals Club, no foreign transaction fees, and no extra annual fee for authorized users.

All these perks are yours for an annual fee of $450.

5. United MileagePlus Club Card

With this card, you’ll receive double miles on every United purchase you make. You’ll also get the added perk of 1.5 miles for every dollar you spend elsewhere!

When you sign up, you’ll be eligible for the sign-on bonus of receiving 50,000 bonus miles if you spend $3000 in the first three months of having the card.

Airport lounge access is yours to have, and feel free to bring your immediate family or two guests. Note that only the primary cardholder gets this perk. Any authorized cardholders added to the account to not.

Insurances that come with this card include trip cancellation/interruption insurance, trip delay reimbursement, and lost luggage reimbursement.

You and a companion will always get two free checked backs each when flying United. You’ll also have access to room upgrades, complimentary breakfast, and other perks only available to cardholders.

This card will cost you an annual fee of $450 and no additional charge for authorized cardholders.

Premium Credit Cards: The Ultimate Perk

There are several premium credit cards to choose from, but ultimately the best one will be the one that first you best. Consider how you’ll use the card, and if you’ll utilize all or most of the perks.

Reward yourself today by giving yourself a gift that keeps giving. Sign up for one of these premium cards and enjoy the perks that come with them.

Are you currently plagued by bad credit, but would like to have these perks in the future? Head to our site to learn about credit cards that are perfect for building your credit back up.