Imam ibn Uthaymin said one who lives in the west can use credits cards due to necessity. I take this view, can one also apply for better credit cards that have higher limits and benefits like travel points , food discounts, etc. while it not being exactly necessary? (knowing i always pay off no riba

To my knowledge Imam Ibn Uthaymeen has never made such a claim. He said you can only use it when it is necessity and to the extent needed. As for your question the answer is No, what is permitted for a need is measured by that need. look into a prepaid card as an alternative if they don't contain forbidden conditions in their contract.