Most of the credit cards with really good benefits require you to have excellent credit. Having a good credit score is so important since among other benefits, it will help you save money on interest rates as well as qualify for the best credit cards. Some of the cards below carry high annual fees, but if you use your card to the full and take advantage of all its benefits, you will see that the fees are generally more than worth it.

For example, in January, 2014, Chase and United Airlines announced a Chase United VIP Lounge located at NYC's Times Square to celebrate football's biggest week - 'Big Game Week'. United MileagePlus® cardholders were invited to attend these exclusive week-long events for free and benefit from amenities such as free beverages and snacks, dinners prepared by celeb chefs, Tailgate and Big Game Parties, and much more. These events also featured football legends!

Incredible perks like the one above are a great example of the invaluable benefits and experiences that come with top-notch credit cards. United℠ Explorer Card cardholders also qualify for other exclusive privileges including first standard checked bag for free if they purchase a ticket with this card, priority boarding, $0 foreign transaction fee, two one-time use United Club passes per year, 25% back on United inflight purchases and much more.

Top-tier credit cards generally offer some type of rewards and benefits such as points or cash back to reward cardmembers on their spending. However, there are some exclusive cards that offer additional benefits and perks to cardholders. I'm going to show you some of the exclusive cards which offer real benefits and perks including VIP benefits. And, let's face it, feeling like a VIP is priceless.

Here is my selection of some of our best rated credit cards with VIP benefits, travel perks and incredible rewards:

United℠ Explorer Card is an exclusive Visa Signature card issued by Chase designed for frequent travelers using United Airlines. Benefit from a limited time offer of up to 65,000 bonus miles: Start with 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening and earn an additional 25,000 bonus miles after you spend $10,000 total on purchases in the first 6 months your account is open. Earn double miles on tickets purchased from United, as well as restaurant and hotel purchases and 1 mile per $1 on all other purchases. You can redeem your miles toward gift cards, domestic and international flights, car rentals, hotel stays, or vacation packages. Benefit from a $0 foreign transaction fee. There is a $0 introductory annual fee for the first year, then $95. Find out more in our review of United℠ Explorer Card.