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A Look At Capital One, NatWest And Other Premium Credit Cards

Laura Ginn Photo By Laura Ginn on November 21, 2013

In an attempt to attract higher-end credit consumers, credit companies have started to offer a plethora of high-end luxury benefits. Most major companies, such as Capital One, have a high-end line that emphasizes exclusivity and special perks designed to make holding the card feel like a privilege. If you're financially ready to obtain a luxury credit card, here are some available options on today's market.

Capital One's Aspire Elite

When Launched: April 2012

Key Facts: Capital One's Aspire cards are those that offer cashback to cardholders. At the top of the pyramid is the Aspire Elite Credit card, which requires you make at least 50, 000 and have near-flawless credit before you can qualify. It carries an annual fee of 120.

Luxury Perk: The Aspire card comes with a major luxury perk of having access to your very own concierge 24 hours a day, seven days per week. Think of credit concierges as your own personal assistant, designed to arrange everything from travel to sporting event tickets. Simply call the Capital One Aspire number and provide your credit card information to access the concierge and share what you need the concierge's help with. Taking the pressure off travel planning and even gifting (a concierge can shop for you and even purchase, wrap and send off a gift), can help busy cardholders focused on their professional and personal careers alike.

The NatWest Black

When Launched: July 2002

Key Facts: The NatWest Black Card is only available to existing NatWest customers. If you have a NatWest card, and are ready to move into the luxury credit market, the NatWest Black may be for you. The card carries a fairly hefty annual fee of 250. However, the company feels the many perks outweigh the annual cost to consumers.

Luxury Perks: Like the Capital One Aspire Elite, the NatWest Black Card offers 24/7 access to a Personal Assistant. According to the NatWest website, the personal assistant is available to answer an unlimited number of requests regarding personal travel, shopping and events. The card also entitles its bearer to a "Priority Pass" or access to more than 600 airport business lounges. These exclusive lounges allow you the opportunity to stretch out and relax before a long flight. The card also provides travel insurance, such as overseas assistance and coverage for winter sports injury for the cardholder and his or her dependents. It also offers roadside assistance if you were traveling and required help fixing a flat or addressing car-related issues.

The American Express Centurion (Black)

When Launched: 1999

Key Facts: Also known as the American Express "black" card, the Centurion is a luxury card that you cannot specifically apply for. Instead, American Express may identify you as potentially benefitting from the card and extend an invitation to carry it. The average Centurion cardholder has millions of pounds in the bank. This amount will likely help pay the hefty fees that total 2, 500 to initially join and 1, 800 yearly fees. However, the credit card is famous for having no spending limit and a $52 million jet was reportedly purchased using it.

Luxury Perks: While American Express has traditionally been secretive about all the luxury perks the Centurion card affords the holder, Forbes magazine was able to interview an American Express Vice President of Public Affairs to learn more about it. One such perk example is access to a luxury rental car service that regularly rents cars such as Ferrarris and Lamborghinis to cardholders. The card also entitles the bearer to a luxury concierge that can do everything from booking travel to getting the owner an upgrade to the best hotel and/or dinner table. The concierge also can secure personal shoppers in a variety of the nation's top stores. Additional perks include complimentary airline tickets and hotel room night stays.

Original article published on SooperArticles.com

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