Airport lounges. Concierge service. $300+ in annual travel credits. 5x points on every purchase.
These benefits used to be reserved for the ultra-wealthy. Not anymore.
Today, many premium credit cards approve applicants with average incomes and good (not perfect) credit. The requirements are more accessible than most people realize.
The problem? Most people never apply because they assume they won’t qualify.
This guide breaks down 5 of the best premium cards available today — what you get, and how to check if you qualify.
💎 What Premium Cards Actually Offer
Before diving into specific cards, here’s what “premium” actually means:
💳 The 5 Best Premium Cards
Click on any card below to check if you qualify:
🎯 Which Card Is Right for You?
👉 Want lounge access? Capital One Venture X
👉 Spend a lot on food? American Express Gold
👉 Travel frequently? Chase Sapphire Reserve
👉 Want the best of everything? American Express Platinum
🏁 Ready to Upgrade?
Premium credit cards aren’t just for the wealthy. Many people with average incomes qualify — they just never check.
Click on any card above to see if you’re eligible. It only takes a minute, and checking won’t affect your credit score.
You might be surprised what’s available to you.
📌 This content is for educational purposes only. Credit card approval depends on individual factors including credit score, income, and existing debts. We may receive compensation if you apply through links on this page. Always read terms and conditions before applying.
Sources: The Points Guy, NerdWallet, CNBC Select. Annual fees and benefits current as of December 2025.