You don't have to be a millionaire to travel like one. That's thanks to the growing number of premium credit cards on the market these days that offer a wide range of luxury perks and features to qualifying cardholders. From concierge services to fee credits to complimentary airport lounge access and, of course, excellent rewards-earning possibilities, these cards offer members access to an elite world of luxury travel. And the options extend beyond credit cards for individuals to credit cards for small business owners, making traveling for business just a little more comfortable and rewarding. You'll obviously need an excellent credit history and score to qualify for these cards, and the annual fees will in some cases make them not the best fit for your lifestyle, but if you're a frequent travel with a taste for the finer things, take a look at the top luxury credit cards on the market
Before deciding to apply for one of these cards, make sure you have a firm grasp on your credit history and credit score. The reality is that you're going to need a stellar credit history to be approved for one of these cards – and applying for a credit card for which you won't be approved will do nothing more than ding your credit score.
If you like what you see here, but aren't ready for the larger-than-typical annual fees, that's ok. There are still some excellent travel rewards credit cards out there that don't come with massive annual fees. Plus, those cards, while you still need a healthy credit history to qualify, will likely not require quite the same income base that these premium credit cards do.
So if you're enticed by the perks and features, but not ready to take the plunge for one of these cards, take a look instead at our picks for "Best travel rewards credit cards." You could very well find your perfect credit card match there.
As with any other credit card, you'll want to compare the features and terms of each luxury card and select the one that suits your needs best. Note, however, that applying for credit cards is different than applying for loans. If you're approved, your account gets opened automatically.
So, make sure you know which card you want and apply only for that card rather than applying for all of them to see what terms you'd get.
Also, note that luxury credit cards are typically designed for people with good and exceptional credit. Check your credit scores before applying to make sure you're score meets that standard, which can vary depending on which card you're looking at.
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