Here's when applying for a premium credit card makes sense, as well as the most valuable perks that can pay you back fast.

A look at the best credit cards from Carly Helfand, Director of Points, Miles and Credit Cards at TPG, to help you maximize ...

You'll also get access to transfer partners, although only a few are domestic carriers. This card earns rich ongoing rewards and could be a good deal for those who frequently travel internationally.

The points on this card aren't worth as much as the points in some other hotel programs — but you can earn a lot of points per dollar. IHG is relatively generous with free nights, too.