Who should consider it?
A premium option built around worldwide lounge access, travel insurance and dining credits rather than the highest everyday earn rate.
The headline points total is only one part of the decision. Work out whether you will naturally meet any spending target, how you plan to use the rewards, and whether the ongoing benefits outweigh the fee. Never spend more just to collect points.
What stands out
- Global airport lounge access
- Worldwide travel insurance, subject to terms
- Up to £400 in annual dining credits after enrolment
What to watch
The £650 fee is substantial and the headline APR includes that fee.
Representative example
Credit limits and interest rates depend on the provider's assessment and may differ. Paying the balance in full each month avoids purchase interest, but any annual fee still applies.
Product facts were checked against the provider on 15 August 2026. Offers and terms can change. Verify all details on the provider's website before applying.