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Old 10-15-2012, 07:39 PM   #1 (permalink)
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Default Premium Credit Cards

This is just one of those totally off-topic topics. Monday night boredom.

Does anyone here own a Premium Credit Card? Like, one that costs more than $300/year to hold?

The reason I ask is because my boss has one and I got to take advantage of it at the airport and it was pretty cool (just the lounge, free stuff).

So:
- Do you own a premium credit card?
- How much is the annual fee?
- Do you, or your work pay for it?
- What benefits come with it?

Others:
- How many people think premium credit cards are absolutely ridiculous?

Both:
- How much do you charge to your credit card (monthly or yearly)?
- Do you pay it off or let your balance roll over month-to-month?

Right now I have a no-fee, no real benefits credit card. I pay it off each month.
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Old 10-15-2012, 07:44 PM   #2 (permalink)
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We have a couple of credit cards. All have cash back bonuses and one goes towards my student loans. We normally pay them off monthly but currently have a balance on 2. None of outs have annual fees.

If someone wants a premium cc and it is worth the money, they should utilize it.
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Old 10-15-2012, 08:01 PM   #3 (permalink)
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I pay 600/yr for my Palladium card
The rest...I am not sharing
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Old 10-15-2012, 08:03 PM   #4 (permalink)
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Quote:
Originally Posted by Gibberish View Post
I pay 600/yr for my Palladium card
The rest...I am not sharing
Can you see my eyes rolling from there?
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Old 10-15-2012, 08:05 PM   #5 (permalink)
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Quote:
Originally Posted by Ooosh View Post
Can you see my eyes rolling from there?
I am pretty sure he can because of that nice surveillance system he had set up while you were on that business trip with your boss.
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Old 10-15-2012, 08:09 PM   #6 (permalink)
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Meh, I've had offers. Probably the most expensive was the Visa Black at 495/year. Didn't look like I'd get that much use from their services though, so I didn't bother. Also Amex sends me something once in a while but I don't think I'd use it enough for the fees to be worthwhile.

Closest thing I have now is a Chase Visa Signature, which combines a traditional line of credit with an Amex-style "no-preset-limit" structure. No annual fee, 1% cash back (there are 5% cashback categories too, but I usually don't bother to sign up). The usual list of other features I never use(concierge, special event ticket offers, etc).

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Old 10-15-2012, 08:35 PM   #7 (permalink)
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My wife and I put about $2500-$3000 a month on our credit card and pay it off each month (we only have 1 main credit card). We literally charge everything we can. We keep racking up the points and get cash back once a summer. Over the last 3 years we have gotten $1500 in "free" cash. Not too bad if you ask me....

I've never used a premium credit card.
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Old 10-15-2012, 11:14 PM   #8 (permalink)
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Quote:
Originally Posted by bd3d86 View Post
My wife and I put about $2500-$3000 a month on our credit card and pay it off each month (we only have 1 main credit card). We literally charge everything we can. We keep racking up the points and get cash back once a summer. Over the last 3 years we have gotten $1500 in "free" cash. Not too bad if you ask me....

I've never used a premium credit card.
Ditto...though we use the points and accumulate them. Get gas cards and other gift cards for my daughter at BDay and such.

My wife and I keep $20 a week in cash and everything else is on the card.
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