Premium reward cards tend to target applicants with strong profiles because their benefits can be rich and costly to provide. Issuers typically look for a history of reliable payments, prudent balances, and stable income. Score requirements can vary by bank and market conditions, and other factors—like existing relationships—may also play a role. Consumers who aspire to premium tiers often start by building positive habits with simpler products. Over time, consistent management and strategic use of credit can improve eligibility for cards that offer elevated perks and experiences.