Most premium rewards and travel credit cards require a credit score of 700 or higher. This range is considered excellent and signals to issuers that you’re a responsible borrower. With a score above 700, you’re more likely to qualify for cards with luxury perks like airport lounge access, travel credits, concierge service, and large sign-up bonuses. These cards often carry annual fees, but the benefits can far outweigh the costs for frequent travelers or high spenders.