American Express Centurion. Made of titanium, this Amex card is widely-acknowledged as the first and most prestigious, invitation-only black card in the world.
Yes, it's hard to get an American Express card because they all require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclays and Wells Fargo do too, for example.
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.
American Express generally requires a good to excellent credit score to qualify for The Platinum Card® from American Express. Terms apply. You'll want to have at least a 690 credit score before applying for the card. So, you may need to work on building your credit score before applying for the card.
The Platinum Card® from American Express is another exclusive credit card that millionaires tend to prefer. Also, this card isn't invitation-only.
Salary Needed for Amex Platinum Credit Card
If you make near $100,000 a year and have good credit, you should have no issue getting approved. But, applicants with annual incomes as low as $40,000 have also been approved if they have a low debt-to-income ratio and pay their other credit cards in full every month.
The credit card billionaires are most likely to use is the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals. Some of the rich and famous people rumored to have the card include Jerry Seinfeld and Halle Berry.
It's known for its top-notch customer service and some of the best rewards available. From ultra-elite business travel cards to everyday rewards, American Express has credit cards that are a good choice for many different types of cardholders.
We recommend that your annual income be at least $50,000 or higher before applying for the Amex Platinum. The Amex Business Platinum card gives you a little more wiggle room because even if you have low business income or are just starting your business, you can still qualify for an Amex small business card.
Another major requirement is a steady income. American Express does not disclose a specific income requirement, but it will need to be enough to make payments on the card and to afford the $250 annual fee.
The primary drawback of American Express cards is the fact that they charge companies for the payments that they process. This is because they have their own payment network and don't rely on companies like Visa and Mastercard. This means that some businesses, especially smaller ones, may not accept American Express.
The Centurion® Card from American Express is out of reach for most people, but Amex does offer other elite credit cards such as The Platinum Card® from American Express. Anyone can apply for the American Express Platinum card, though it does come with a $695 annual fee and requires at least good credit for approval.
The most prestigious credit cards are the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card, and the Citi Chairman Card because all 3 cards are invitation-only.
It has an initiation fee of $10,000 and an annual fee of $5,000. It's also invite-only; you can't apply without permission from Amex. The card offers some incredible benefits, like complimentary elite status across four hotel chains and with Delta, airport arrival services, and access to a concierge.
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Centurion® Card from American Express
Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.
Other rich and famous people known to use an American Express Business Centurion Card include: Beyonce.
Victoria and PINK Mastercard Credit Cards: The only difference between the Victoria and PINK Mastercard Credit Cards is the design of the card itself. You'll enjoy all the incredible benefits of the Victoria or PINK Credit Cards, plus 2% back on dining, travel, and streaming services.
Dubai First claims its Royale Card is the most exclusive credit card in the world. The Royale Card by Dubai First is an invitation-only credit card with no pre-set spending limit. The card is trimmed with gold on two sides and features a solitary . 235-carat diamond centered on the front.
The J.P. Morgan Reserve Card, formerly known as the Chase Palladium Card, is a high-end, invite-only credit card available to Chase private bank customers. Despite its exclusivity, the card itself doesn't offer any special benefits beyond the novelty of being made out of a rare chemical element, palladium.
The Platinum Card® from American Express is a high-end card that is packed with benefits and a hefty welcome offer.
Before the pandemic, the $1,450/year American Express Platinum charge card was rather popular with frequent flyers. Despite the high annual fee, it represented excellent value for many cardholders due to all the extra benefits like travel credits, hotel status and airport lounge access.
The Platinum card is great for people who love to travel. There are obviously many more perks that come with the Platinum card than with the Gold, especially when you consider the higher annual fee. Rewards can be used for merchandise, gift cards, dining, shopping, entertainment, or for use at the Amex travel website.