Premium Cards

The following are premium cards fully loaded with benefits and features to entice every individual. A common downside of these cards is their qualification requirements but those lucky enough to qualify are bound to have the experience of a lifetime. Premium cards mentioned below are reserved for U.K. residents.

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Capital One World Master Card

Unlimited Cashback - Earn 1% on EVERYTHING you buy
£10 bonus credit every January
Annual Fee applies
Representative Example: 19.9% APR Representative (variable). Based on £18.00 annual fee, credit limit of £1200.00, annual interest rate (variable) 14.47%. Capital One (Europe) Plc., Trent House, Station Street, Nottingham, NG2 3HX

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N/A* Intro APR

N/A*Intro Period

Representative APR: 19.90% Variable

£30.00*Annual Fee

4.5

Capital One Click Credit Card

If you love shopping online, the Click Card is designed for you
Exclusive access to great brand discounts with eXtras plus Enhanced security
9.9% p.a. variable on purchases, balance transfers and cash withdrawals
No annual fee
Representative Example: Assuming a credit limit of £1,200 and an interest rate on purchases of 9.94% p.a. variable, you will receive a 9.9% APR representative variable.

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N/A* Intro APR

N/A*Intro Period

Representative APR: 9.90% Variable

£0.00*Annual Fee

4.5

e-Platinum Plus Green Shopping Credit Card

Get the benefits of PLATINUM
Credit line £5,000 (can be increased)
0% APR Fixed Forever!
Guaranteed Approval!
No Credit Checks
£500 cash advances
Reporting to major credit bureau.

£10.00Opening Min

N/A*App Fee

N/A*Annual Fee

N/AATM Fee

4.0

American Express Platinum CashBack Credit Card

Introductory bonus: 5% cashback on the first £2,000 of purchases in your first three months
On-going cashback: 1.25% cashback on virtually all your spend - no caps!
Engagement bonus: 2.5% cashback in the anniversary month, when you spend £10,000 a year
Cardmembers have the opportunity to opt-in to exchange their annual cashback for retail vouchers which can be used at High Street shops and receive up to an extra 5% on top of their cashback balance
Interest rate for purchases: 14.0% p.a. variable.
Representative 18.5% APR variable. Based on annual fee of £25 and assumed credit limit of £1200.

N/A* Intro APR

N/A*Intro Period

Representative APR: 18.50% Variable

£25.00*Annual Fee

4.0

Cashplus Prepaid Gold MasterCard® Deluxe

Guaranteed approval
No credit checks
Unique blend of bank account & MasterCard card benefits
Saves money on cheque cashing fees
20 payments and standing orders a month for free
Free cash withdraw in the UK

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£5.00Opening Min

£4.95*App Fee

N/A*Annual Fee

£0.00ATM Fee

4.5

Barclaycard Platinum Transfer Card

0% interest on balance transfers for 21 months from account opening (3.0% handling fee applies)
Plus, refund offer which reduces handling fee to equivalent of 2.6% for everyone (terms and conditions apply)
Request a balance transfer quickly and easily as part of your application
0% interest on purchases for 3 months from account opening
Barclaycard Freedom - a reward programme like no other
Representative Example: 17.5% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 17.5%.

0%* Intro APR

21 months on BT*Intro Period

Representative APR: 17.50% Variable

£0.00*Annual Fee

4.5

Barclaycard Platinum Visa® Card

0% interest on balance transfers for 22 months from account opening (2.9% handling fee applies)
0% introductory purchase period 3 months
£20 off your balance transfer fee when you transfer a balance of £3000 or more (terms and conditions apply)
Request a balance transfer quickly and easily as part of your application
0% interest on purchases for 3 months from account opening
Barclaycard Freedom - a reward programme like no other
Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable 17.9 %). Barclays Bank Plc., 1 Churchill Place, London, E14 5HP

0%* Intro APR

22 months on BT*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0

Lloyds TSB Advance Credit Card

0% on purchases for the first 6 months.
4.9% pa for 12 months on balances transferred within the first 90 days (3% fee applies) - if you spend £100 or more in the first 3 months.
Representative Example: 11.9% APR Representative (variable). Based on 3% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 11.9%

0%* Intro APR

6 months*Intro Period

Representative APR: 11.90% Variable

N/A*Annual Fee

4.0

American Express Preferred Rewards Gold Card

Transfer points to 10 major frequent flyer programmes
Double points on travel spend
Double points on petrol and supermarket purchases for your first year - with no cap!
20,000 bonus points - enough for 2 return flights to selected European cities with British Airways or an upgrade to Premium Economy with Virgin Atlantic
Gold Card Travel Service
No interest charges - just pay your balance in full every month
Get a response in just 60 seconds

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N/A* Intro APR

N/A*Intro Period

Representative APR: N/A

£75.00*Annual Fee

5.0

American Express Starwood Preferred Guest Credit Card

10,000 bonus Starpoints
Earn 1 Starpoint for every full £1 spent
Receive a Free Weekend Night
Experience Gold Preferred Guest status
Share the benefits with friends and family
£75 annual fee
Get a response in just 60 seconds
Representative 34.5% APR variable. Based on £75 annual fee, assumed borrowing of £1200, rate of interest (variable) annual 19.9% / 1.53% per month.

N/A* Intro APR

N/A*Intro Period

Representative APR: 34.50% Variable

£75.00*Annual Fee

3.5

American Express Platinum Charge Card

40,000 bonus Membership Rewards points
Platinum Benefits
Charley Boorman travel vodcasts
Supplementary Cards
No pre-set spending limit
Get a response in just 60 seconds

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N/A* Intro APR

N/A*Intro Period

Representative APR: N/A

£300.00*Annual Fee

4.5

Barclaycard Platinum Simplicity Credit Card

Simply our lowest APR
7.9% interest on all purchases and on all balance transfers (no handling fee applies)
Barclaycard Freedom - a reward programme like no other
Your new Barclaycard will automatically be set up with paperless statements making it easier to manage your account online*
Representative Example: 7.9% APR Representative (variable). Based on 0% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 7.9%. Barclays Bank Plc., 1 Churchill Place, London, E14 5HP

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N/A* Intro APR

N/A*Intro Period

Representative APR: 7.90% Variable

£0.00*Annual Fee

5.0

Lloyds TSB Platinum Credit Card

0% interest for 14 months on balances transferred within the first 90 days (3% fee applies). Minimum spend of £100 in the first three months applies
0% interest on purchases for 3 months
No annual fee
Extra security including chip and PIN technology, and fraud loss guarantee
Representative Example: 17.9% APR Representative (variable). Based on 3.0% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.7%.

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0%* Intro APR

14 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.5

British Airways American Express Premium Plus Card

18,000 bonus BA Miles when you spend £3000 in the first three months of Cardmembership
Spend £10,000 on the Card in any given year, and we'll give you another ticket for a companion when you redeem your BA Miles for a British Airways flight
1.5 BA Miles for every £1 you spent
Double BA Miles on British Airways flights and BA Holidays
Free Additional Cards
An additional ticket for your companion
Up to £250,000 Travel Accident Benefit
Representative Example: 19.9% APR Representative (variable). Based on 150.00 annual fee, credit limit of 1200.00, annual interest rate (variable) 19.9%.

N/A* Intro APR

N/A*Intro Period

Representative APR: 19.90% Variable

£150.00*Annual Fee

4.0

Barclaycard Gold Credit Card

0% interest on balance transfers for 12 months (2.5% handling fee applies)
Request a balance transfer quickly and easily as part of your application
With contactless payment technology, a new quick and easy way to pay for purchases of £15 or under
Barclaycard Freedom - a reward programme like no other
Representative Example: 19.9% APR Representative (variable). Based on 2.5% balance transfer fee, credit limit of £1200.00, annual interest rate (variable) 19.9%.

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0%* Intro APR

12 months on BT*Intro Period

Representative APR: 19.90% Variable

£0.00*Annual Fee

4.5

Virgin Atlantic American Express® Black Card

6,000 bonus miles after your first purchase
4 Flying Club milesfor every £1 spent direct with Virgin Atlantic, Virgin Holidays and Regus business centres
Receive a Premium Economy reward upgrade on an Economy redemption booking when you spend £5,000 on your card in a year. You can earn 2 of these upgrades every year
Enjoy a complimentary companion reward flight when you spend £7,500 on your card in a year. So you can bring a friend with you, on us
Complimentary Regus businessworld gold membership, worth £199 p.a., with access to 1,100 business lounges and cafés worldwide
10% off all Virgin Holidays packages
18.9% p.a. variable APR on purchases
Representative 47.2% APR (variable)

N/A* Intro APR

N/A*Intro Period

Representative APR: 47.20% Variable

£115.00*Annual Fee

4.0

Virgin Atlantic American Express® White Card

3,000 bonus Flying Club miles on your first card purchase
1 Flying Club mile for every £1 you spend
2 Flying Club miles for every £1 spent direct with Virgin Atlantic, Virgin Holidays and Regus business centres
Receive a Premium Economy reward upgrade on an Economy redemption booking when you spend £10,000 on your card in a year. You can earn 2 of these upgrades every year.
Enjoy a complimentary companion reward flight when you spend £15,000 on your card in a year. So you can bring a friend with you, on us
10% off all Virgin Holidays packages
No annual fee
0% on balance transfers for 6 months from the date your account is opened. 2% handling fee applies
Representative 17.9% APR (variable)

0%* Intro APR

6 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

4.0

NatWest Platinum Credit Card

0% on balance transfers for 20 months
0% on purchases – for 6 months
3.2% balance transfer fee - (minimum £5)
1% off the APR for Advantage Gold customers – guaranteed on our standard credit card rate for at least 12 months.
Representative Example: 17.9% APR Representative (variable). Based on 3.2% balance transfer fee, credit limit of 1200.00, annual interest rate (variable) 16.6%.

0%* Intro APR

20 months on BT*Intro Period

Representative APR: 17.60% Variable

£0.00*Annual Fee

4.5

Bank of Scotland Plus Card

0% for 13 months on balances transfers (3% fee applies)
0% for 3 months on purchases
Master Card benefits package
59 days grace period
Representative Example: Based on borrowing £1,200 repaid over 12 months the representative rate would be 16.9% APR (variable). The purchase rate is 16.94% pa (variable). Credit limits and interest rates will vary based on your individual circumstances.

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0%* Intro APR

See T&C*Intro Period

Representative APR: 16.90% Variable

£0.00*Annual Fee

4.5

RBS World MasterCard®

0% on purchases for 13 months from account opening. Thereafter the standard annual rate for purchases will be 17.9% p.a. (variable).
0% on balance transfers for 13 months from account opening (2.9% fee, min £5) on any balances you transfer within three months of opening your account. Thereafter the standard annual rate for balance transfers will be 17.9% p.a. (variable).
2,500 bonus RBS YourPoints that you can use towards flights, holidays and some great brands like M&S, Boots and Amazon.
No annual fee
Representative Example: Representative 17.9% APR (variable) based on an assumed Credit Limit of £1,200. Standard interest rate for purchases: 17.95% p.a. (variable)

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0%* Intro APR

13 months*Intro Period

Representative APR: 17.90% Variable

£0.00*Annual Fee

5.0

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