Premium cards are high-end credit or debit cards that offer exclusive benefits and rewards to their users. These cards often come with features such as higher credit limits, travel perks, cashback on purchases, and access to special events. They are typically aimed at individuals with higher income levels or those who spend significantly on their cards. Many premium cards also provide additional services like concierge assistance, travel insurance, and enhanced security features. Examples of premium cards include the American Express Platinum Card and the Chase Sapphire Reserve. These cards usually have an annual fee, which can be offset by the value of the rewards and benefits they offer.