what is the most prestigious credit card to have

In movies about the other half — rockstars, mobsters, CEOs — in that location's often a dinner scene at some low-lit restaurant with mahogany tables and white napkins. In that location are bottles of wine, massive steaks, and tuxedo-d waiters.

And then, at the end, in that location'southward a credit bill of fare… Which one, though? Which pieces of plastic (or metal) do people with Rolls-Royces roll with?

In all likelihood, probably one of the cards below — the near exclusive credit cards available.

The v Most Exclusive Credit Cards

These prestigious credit cards provide an immediate signal of your status and wealth.

Nigh are available only by invitation, and only if you run across certain requirements (like, say, being ultra rich). They come with superlative-tier perks, including personal concierge services, and top-tier almanac fees, some as high as $5,000.

While these cards might not exist available to most of usa, it'southward still fun to imagine the lifestyles that get with them.

If you're looking for a baller rewards credit card yous can actually utilize for, jump downwards to that department below.

For now, we'll focus on the most elite credit cards around.

The data related to Centurion® Card from American Express has been collected past Credit Bill of fare Insider and has not been reviewed or provided by the issuer or provider of this production.

The almost famous of the bunch is the Centurion Card from American Express, commonly known as the Amex Blackness Carte du jour.

You won't find details or an application online; instead, Amex must invite you to apply. To get noticed, according to online gossip, you'll need to accuse between $250,000 and $450,000 per year on your current Amex cards. (A mere $20,000 per month!)

But, every bit of April 2020, y'all tin also get Amex's attention by requesting an invite to apply, if you're already an Amex cardholder.

After receiving your coveted invitation, you'll pay an "initiation fee" of $x,000 in the U.S., plus an almanac fee of $5,000.

Then yous'll qualify for a slew of benefits, including:

• 1X Membership Rewards bespeak per dollar spent; 1.5X on purchases over $five,000
• 24/seven personal concierge program, which can get yous tickets, reservations, and who knows what else
• Elite status at Delta Airlines and several hotel and car rental chains
• Access to Centurion and Priority Pass lounges, along with several other lounge brands
• Complimentary Equinox and Clear memberships
• Private Suite membership at LAX

Insider tip

Wondering what that concierge can do? There are reports that an Amex employee traveled by motorcycle to the Dead Sea to snag a handful of sand, all considering a cardholder's child wanted it for a school project.

Yous might know this exclusive credit menu as the Palladium menu. Though information technology still includes palladium in its composition, the bank recently rebranded this carte to the "Reserve."

To snag an invite, you must allegedly have at least $10 million in holdings with J.P. Morgan's private depository financial institution. (Being President Barack Obama doesn't injure either.) The bill of fare'south almanac fee is $595.

Here are its benefits, which wait very similar to the Chase Sapphire Reserve carte in the next section:

• 10X Ultimate Rewards points per dollar on Lyft rides; 3X points per dollar spent on travel and dining; 1X on everything else
• $300 annual travel credit
• High-quality travel protections and insurance
• Visa Space benefits, which include 24/seven concierge services, hotel and machine rental upgrades, Priority Pass admission, and a $100 Global Entry (or TSA PreCheck) application fee credit

Citi Chairman

As with most invite-only cards, nosotros take few physical details near this blackness piece of plastic from Citi. Virtually sources say you must use Citigroup's individual bank to be eligible. To be honest, it'due south probably one of those things where if you take to ask, you lot don't authorize.

Rumored perks include a $300,000 credit limit, access to members-simply events, a 24/seven concierge (of grade), and drome lounge access. Its annual fee is supposedly but $500 — a deal compared to the others.

Dubai Offset Royale Mastercard

Dubai Commencement Royale Mastercard. Image credit: Dubai First

No listing of the well-nigh exclusive credit cards would be complete without the Dubai First Royale Mastercard, which is trimmed in gold and has a .235-carat diamond on the front. According to the banking concern'southward website, information technology's "desired past many merely attainable by only a select few."

To get invited, yous may need to live in the UAE, and you lot probably need a loftier net worth. You're as well welcome if you're a member of the UAE royal family. While it touts its lack of a pre-set spending limit, the only listed benefit is a "lifestyle manager" who acts equally your personal concierge, getting you, well, whatsoever you tin think of.

As one of the depository financial institution's executives promised: "You ask for the moon and we try and get information technology." The initiation fee is reportedly vii,000 UAE Dirham, which equates to roughly $ii,000 U.S.

Stratus Rewards Visa

If you don't take your ain private jet (you pauper!), this "white carte" might be the one for yous. It's rumored you must spend at least $100,000 per year to nab an invite. Once you're in, the almanac fee is $i,500 — and yous can redeem your rewards for flights on private jets or other charter flights.

Another interesting feature, according to rumor, is that you can puddle your points with friends, meaning y'all could all chip in on a private jet ride together. (P.S. Where exercise we find friends like that?)

The 3 Most Sectional Credit Cards You Can Actually Apply For

Still waiting for your invite to one of the cards higher up? (Don't worry, so are we.)

In the meantime, consider applying for one of these luxury credit cards. While prestigious, they also welcome applications from the general public. Upon approving for your carte of choice, you'll enjoy a solid rewards program and a variety of helpful perks and travel benefits.

The information related to The Platinum Card® from American Express has been collected past Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

And then it'southward not quite blackness, but it's still pretty shiny. The Amex Platinum card comes with a range of travel perks — and unlike the Black bill of fare, you lot don't have to wait for an invitation.

It earns points at virtually hotels and airlines, and comes with a handy $200 in Uber credits per calendar year. Information technology also has excellent airport lounge access: Y'all'll be able to use more than one,000 lounges in 120 countries, including Centurion and Priority Laissez passer, and Delta Heaven Clubs when flying that airline. (This is almost as expert as the lounge admission provided by the Amex Black carte!)

• Introductory bonus: Earn 100,000 Membership Rewards® points after you spend $six,000 on purchases on your new Bill of fare in your outset 6 months of Card Membership. Apply and select your preferred metal Menu blueprint: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Rewards: 5X points per dollar on flights booked through the airline and flights and prepaid hotels booked through Amex Travel (starting 1/1/21, on upward to $500,000 spent per agenda year) ; 2X on other Amex Travel purchases; 1X on everything else

• Global Lounge Drove: Enroll for gratis access to Priority Pass, Centurion, American Limited International, Delta Sky Society, Escape, Airspace, Lufthansa, and Plaza Premium Lounges.
• Upward to $200 in annual Uber Greenbacks: Add your Platinum menu to the Uber App to go up to $fifteen in Uber Greenbacks per calendar month, plus a bonus $xx in December; U.Southward. Eats orders and rides only.
• $200 hotel credit: Get up to $200 in statement credits each year for prepaid hotels booked through The Hotel Collection and Fine Hotels & Resorts; must pay with the Platinum card.
• $300 Equinox credit: Pay with your Platinum carte du jour to get up to $300 in argument credits annually with Equinox (up to $25 per month), for Equinox All Access, Destination, East by Equinox, or Equinox+ membership fees.
• $240 digital entertainment credit: Pay with your Platinum menu to get up to $240 in statement credits annually for digital entertainment (upwards to $20 per month), only for eligible purchases from Peacock, Audible, SiriusXM, and The New York Times.
• CLEAR credit: Up to $179 in statement credits annually for CLEAR biometric security, enough for a membership.
• Uber VIP status: Add your Platinum card to the Uber App to get Uber VIP condition where available.
• Global Entry or TSA PreCheck awarding fee credit: A statement credit for the application fee of either Global Entry ($100 every four years) or TSA PreCheck ($85 once every four and a half years)
• Costless aristocracy hotel statuses: Hilton Honors Gold status and Marriott Bonvoy Gold Elite status
• The Hotel Collection: A $100 hotel credit and room upgrades when available for every eligible two-night stay
• Fine Hotels & Resorts Program: Daily breakfast for two, room upgrades when available, civilities valued at $100, and more at eligible properties
• $100 annual Saks credit: Upwards to $100 in statement credits each twelvemonth for Saks 5th Avenue: $50 from January through June, and $50 from July through Dec
• Global Dining Access by Resy: Resy provides access to sectional reservations and dining experiences.
• Point transfer: To a choice of airline and hotel loyalty programs
• Shopping and travel protections:Purchase Protection; Extended Warranty; Render Protection; Baggage Insurance Plan; Auto Rental Loss and Damage Insurance; Trip Delay Insurance; Trip Cancellation and Intermission Insurance
• No foreign transaction fee
  
• Annual fee:$695 Rates & Fees

Enrollment required for select benefits; terms and limitations apply.

The Platinum Menu® from American Express (Rates & Fees)

The information related to Hunt Sapphire Reserve® has been nerveless by Credit Card Insider and has non been reviewed or provided by the issuer or provider of this product.

Not just will this metal travel card turn heads, information technology'll also earn phenomenal rewards. Information technology earns 3X points per dollar on travel and dining, which is one of the highest rates around. It also comes with a Priority Laissez passer Select membership, and a $300 travel statement credit that will likely reduce your realized annual fee to just $250.

• Annual fee: $550
• Introductory bonus: 50,000 bonus points after spending $four,000 on purchases in the get-go three months
• Rewards: 10X Ultimate Rewards points per dollar on Lyft rides, 3X points per dollar on travel (afterwards using the full $300 travel credit) and dining; 1X on everything else
• Perks:$300 annual travel credit, Priority Laissez passer admission, fifty% bonus when redeeming through the Chase Ultimate Rewards travel portal, transfer points to partner airlines and hotels, primary car rental insurance; $lx almanac DoorDash credit and membership
• Purchase APR:16.99% - 23.99% Variable

The information related to Mastercard® Gilt Carte™ has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

You tin can't deny this is one of the prettiest cards available: It's made of stainless steel and plated with 24-carat aureate. Its looks, notwithstanding, may not make up for its outrageous almanac fee. If y'all're looking for a luxury card that pulls its weight, we'd recommend i of the two cards mentioned above.

Withal desire to go for gold? Here's what you need to know about this carte:

• Almanac fee: $995
• Introductory bonus:N/A
• Rewards: 1 point per dollar spent, redeemable for $0.02 each for cash dorsum or airfare
• Perks:100% point bonus when redeemed for airfare or cash back,$200 almanac airline credit, $100 Global Entry (or TSA PreCheck) awarding fee credit, concierge service, Priority Pass access, luxury gifts and subscription to LUXURY Mag
• Purchase Apr:14.99% Variable

The Mastercard® Aureate Card™ is the highest-end carte offered past Luxury Menu, which offers three metal rewards cards. The other two are the Mastercard® Black Card™ (Review) and the Mastercard® Titanium Carte du jour™ (Review).

Are You Ready for an Elite Credit Bill of fare?

While the cards in the previous section aren't only for the likes of Lady Gaga, they still accept stringent application requirements.

To qualify, y'all'll need splendid credit scores and a strong income. So, before applying, check your credit scores and credit reports to make certain you lot're a good candidate. You can also come across if you're pre-approved for any credit card offers (you may observe a luxury card waiting for yous to apply!). If your scores aren't even so upwardly to par, build your credit with other credit cards first.

Since these luxury cards also come with high almanac fees, run the numbers to ensure you'll become enough value out of your called carte.

And no matter which of the best credit cards you apply for, always utilize it responsibly. You'll never get to Black-carte status if you're deep in Platinum-bill of fare debt.

Ofttimes Asked Questions

What credit cards are the hardest to go?

Even more than prestigious than your everyday premium cards, a select few credit cards are available only by invite to the richest of the rich.

The hardest-to-become credit cards include:

• Centurion® Menu from American Express (Review): Invite-only (but y'all can request an invite), no clear financial requirements, $10,000 initiation fee, $v,000 annual fee; perks include a meager rewards program, airport lounge access, and a legendary concierge
• J.P. Morgan Reserve Card (Review): Invite-just, must reportedly have at least $ten meg managed past J.P. Morgan Individual Bank to receive an invite, $595 annual fee; perks include travel and dining rewards, a $300 travel credit, and Visa Space benefits
• Citi Chairman: Invite-only, must reportedly employ Citigroup's private bank to qualify, reported $500 almanac fee; rumored perks may include a $300,000 credit limit, airdrome lounge access, and concierge service
• Dubai First Royale Mastercard: Invite-only, must reportedly live in the UAE and have a high cyberspace worth, reported 7000 UAE Dirham (roughly $2,000 or and so) annual fee; perks include no preset spending limit and a "lifestyle manager"
• Stratus Rewards Visa: Invite-only, requires an invitation from a current cardholder or a Stratus Rewards partner, reportedly requires $100,000+ per yr in annual spending, $1,500 annual fee; perks include rewards that can be redeemed for private flights and the rumored power to pool rewards with other cardholders

What'due south the most expensive credit carte du jour?

The Centurion® Card from American Express (Review) is generally considered the well-nigh expensive credit carte du jour; it charges a $10,000 initiation fee and a $five,000 annual fee. It's only available past invitation.

The Mastercard® Gold Card™ (Review) is the priciest carte that anyone tin can apply to thanks to an almanac fee of $995. But while the Gold card catches the eye with its shiny metal surface and heavy weight, you'll likely do good more than from a lower-priced premium card, similar the feature-rich Chase Sapphire Reserve® (Review) or The Platinum Card® from American Express (Review).

What credit cards do millionaires and billionaires use?

Several notable figures known for their wealth avoid credit cards altogether. But, naturally, that doesn't apply to every rich person. If you lot're using your credit cards responsibly and paying them off monthly, why wouldn't you lot jump at the adventure to earn rewards for things y'all're going to buy regardless?

It'southward easy to presume that most rich folks stick to storied luxury cards, similar the Amex Black Card. And in many cases, that'southward true. Take billionaire investor Liu Yiqian for instance. In 2015, he used his Centurion menu to buy a unmarried painting — Amedeo Modigliani'southward "Reclining Nude" — for the gargantuan price of $170.iv million.

It's unlikely that you'd be able to charge a buy of that caliber to a normal credit carte, even if you're fairly well off. So exclusive cards that cater to the world's aristocracy are peculiarly useful for individuals with millions to throw around at the drop of a hat.

But then there are people like social media skillful Natalie Zfat, who opt for more than attainable premium credit cards. While Zfat once had the Centurion bill of fare, she eventually dropped down to the American Limited Platinum, noting how it had "all the benefits she needed" (its benefits include airport lounge access, gratis aristocracy hotel statuses, and various statement credits) for a fraction of the cost.

For rates and fees of The Platinum Carte® from American Express, delight click here.

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Source: https://www.creditcardinsider.com/blog/what-are-the-worlds-most-exclusive-luxury-credit-cards-here-are-8/

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