Premier Credit Cards

Premier credit cards are targetted towards those high earners who require a high credit limit and who have an excellent credit rating. The cards themselves often incur an annual fee, but offer the cardholder a range of rewards and benefits, including airmiles, travel upgrades and club membership. Choose from our range below and select the one that offers the most based on your spending habits.

 APPLY ONLINE

Credit Needed
Good
  • 18,500 miles with your first card purchase made within 90 days of account opening
  • 2 Flying Club miles for every £1 spent with the Virgin Atlantic Black American Express Credit Card from MBNA and 1 Flying Club mile for every £1 spent with the Virgin Atlantic Black Visa Credit Card
  • 0% on balance transfers for 6 months, with a 3% handling fee
  • £140 annual fee
  • Must be aged 18 or over, UK resident with a bank account, and have a good credit rating
  • Eligibility check: Find out if you are eligible before applying for this card
  • Balance Transfer
    Rate & Duration
    0%
    6 Months
    Balance Transfer
    Fee
    3%
    Purchases
    Intro
    n/a
    Annual Fee
    £140
    Representative APR (variable)
    57.4%
    APR

Representative Example: Representative 57.40% APR (variable). Based on an annual fee of £140, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

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Credit Needed
Excellent
  • 25,000 bonus Avios when spending £3,000 within the first 3 months of Cardmembership
  • 1.5 Avios for virtually every £1 you spend
  • Companion voucher when you spend £10,000 each card anniversary year
  • Automatic enrolment to the British Airways Executive Club
  • Apple Pay enabled payments
  • You must be a UK resident and have no history of bad debt
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £195
    Representative APR (variable)
    76%
    APR

Representative Example: Representative 76.00% APR (variable). Based on an annual fee of £195, a credit limit of £1,200 and a purchase rate of 22.9% p.a. (variable)

 APPLY ONLINE

Credit Needed
Excellent
  • Receive 30,000 membership reward bonus points – enough for one return flight from London to selected European destinations, when you spend £2,000 in the first three months
  • Worldwide travel insurance for you and your family
  • Fast track access through outbound security at Heathrow
  • Share the benefits with up to five complimentary Supplementary Cards
  • Annual fee: £450
  • You must be a UK resident, aged 18 years or over and have no history of bad debt
  • Balance Transfer
    Rate & Duration
    n/a
    Balance Transfer
    Fee
    0%
    Purchases
    Intro
    n/a
    Annual Fee
    £450
    Representative APR (variable)
    N/A*
    APR
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Who Can Get A Premier Credit Card?

Premier credit cards are only available to individuals who meet very strict eligibility criteria. In practical terms this means you'll either have to have a high net worth or a high salary. The qualification specifics are slightly different for each product, but typically products are looking for individuals who are paid considerably more than the UK average, and some are looking for over £50,000 per ammum (there are other cards with even tougher criteria, but many of these tend to be on an "invitation only" basis). You'll also need to have an excellent score to get a premier credit card. So that means no missed payments, no spending beyond your credit limit, and a reasonable amount spent regularly on your previous cards (to demonstrate you are used to using credit and can manage it well). Most premier credit card issuers will also be looking for customers who are slightly older than the generic ’18 years’ required by the mass market. Indeed, many set a minimum age of 21. In practical terms, because you need to have demonstrated an excellent credit history, these age restrictions don't make the cards any more difficult to obtain.

What Benefits Do Premier Credit Cards Offer?

Each premier credit card offers slightly different features. Some premier credit cards offer airmiles (with earn rates at higher levels than the standard equivalent product). Some offer concierge services (which arrange whatever you might need upon instruction), such as theatre tickets, rental cars, golf course availability, help finding the perfect gift, and much more. Some even offer purchase protection insurance and best price protection. These differences are partly for marketing reasons, to appeal to different customers, and partly due to the different arrangements the credit card platforms have. Mastercard supports different benefits to American Express, and Visa, and vice versa.

If you don't think you'll meet the required criteria to get a premier credit card, don't worry, there are still many great products available. Many platinum credit cards offer market leading rates on balance transfers or cashback. You can even get great airline rewards with many airmile credit cards. Compare the best UK credit cards here today, find the right credit card for you, and apply online today through our secure links

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