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Can you use your credit card to book fancy restaurants? Can you reserve a seat on a private jet? Will you get your own lifestyle manager when you open an account?
If not, you're probably not using a credit card designed for the ultra-wealthy.
Some cards, such as the American Express Centurion Card, famously known as the Black Card, and the Dubai First Royal Mastercard, which boasts a real diamond in the center, are so exclusive that you can barely find information about them online.
Want to add these ultra-elite cards to your wallet? You might be out of luck. Most of these cards are invite-only. But if you want a peek at the perks you can get with the most luxurious credit cards, here are six of his cards that are even more special.
Plus, we've added some slightly more accessible cards with perks that can make you feel pretty wealthy.
1. Centurion® Card from American Express
It may seem more myth than reality, but the Centurion Card (Amex Black) actually exists. And it's so exclusive that you can't even apply.
American Express has been tight-lipped about what it takes to become a Centurion cardholder, but it's believed you'll have to pay a $10,000 membership fee to join the club. That's not all. The Centurion card also has a $5,000 annual fee.
To get the Centurion card, you'll have to pay a lot of money each year (at least $250,000 a year) on your existing American Express card. American Express recommends applying for the Centurion Card.
Just applying for a card can be difficult. But what do you actually get out of it? We have a benefits program. Earn 1 point for every dollar you top up. But the big draw here isn't the rewards. That's a perk. And there are a lot of them.
Hotel chains like IHG, Hilton, and Marriott automatically earn you elite status. You'll also earn free Delta SkyMiles Platinum Medallion status. Enjoy access to a dedicated airport lounge and elite car rental program.
Most notably, this card allows you to book flights and hotels, get behind-the-scenes access to concerts, track personal items lost while traveling, set a personal itinerary, and more with 24-hour security. It gives you access to a 24/7 concierge service. for your travels.
2.JP Morgan Reserve Card
The JPMorgan Reserve Card is also an invitation-only credit card. The card is reserved for customers with more than $10 million in assets managed by JPMorgan Private Bank. That makes him one of the most exclusive credit cards in the world.
Many people consider this card a status symbol. After all, it is made of brass and palladium, so it has a solid feel.
The information available with the rewards program is the same as that available with the Chase Sapphire Reserve®. With $300 in travel credit, he earns 3x points on travel and dining, and he earns 1x points on all other purchases. You'll also earn a $300 annual travel credit.
So what makes this card special? Once again, it's a perk. Like the Centurion Card, this card also offers 24/7 concierge service to help you book flights, hotels, car rentals, and cruises.
You'll also have exclusive access to Chase-sponsored events and can redeem points for Sapphire Private Dining Series events at fine dining restaurants around the world. However, these perks don't come cheap. Annual membership fee is $595.
3. Dubai First Royal Mastercard
The Dubai First Royal Mastercard is issued by Dubai First Bank in the United Arab Emirates and is considered the most premium credit card in the world. Rumor has it that there are only about 200 card members. Like the other cards on this list, it is only available by invitation.
How high-end is this card? The edges are plated with real gold. And in the middle is a real diamond.
Information about this card is sparse, but some sources say it does not have a spending limit. So if you want to buy a yacht using your First Royale card, you should be able to do that.
The card also reportedly comes with a lifestyle manager to help you secure exclusive reservations and book travel. Annual fees cost over $1,900.
4. Coutts Silk Charge Card
London-based private bank Coutts has its own ultra-luxury card, the Silk Charge Card. Details are shrouded in secrecy, but it is rumored that cardholders will need to deposit at least £1 million with Coutts to open their Silk card.
Like many luxury cards, the Silk Charge Card's biggest selling point is its concierge service. Earn room upgrades, dining benefits and more at over 1,800 luxury hotels around the world. You can use this service to make reservations at fine dining restaurants or secure tickets to sports matches or theatrical shows. You can also access Coutts' own suite at his O2 concert venue in London.
You also have access to exclusive airport lounges through the LoungeKey™ program.
5. MasterCard Black Card
Good news: You can actually apply for the Mastercard Black Card. Once you qualify, you will be able to take advantage of various travel and concierge benefits. However, like the other cards on this list, the Black Card doesn't come cheap. You'll pay an annual fee of $495.
What do you get in exchange? Our 24/7 concierge service can help you make travel arrangements, make dinner reservations, find popular items, and even deliver gifts and flowers.
Concierge services can also be helpful in times of crisis, such as if you lose something abroad or need to change your travel plans at short notice.
This black card also comes with travel credits, airport lounge access, hotel room upgrades, and travel insurance.
6. Visa Infinite
Visa Infinite is more than just a single credit card. This is a top-of-the-line Visa branded card, above the Visa Signature Card and the Visa Traditional Card.
Visa Infinite branded cards include the Chase Sapphire Reserve ($550 annual fee), the Capital One Venture X Rewards Credit Card ($395 annual fee), and the US Bank Altitude® Reserve Visa Infinite® Credit Card ($400 annual fee). there is.
What do you get with Visa Infinite status? Lots of benefits.
These cards offer concierge services to help with travel plans, restaurant reservations, and booking tickets to sporting events and concerts. You'll also have access to the Visa Infinite Luxury Hotel Collection, which offers VIP status, room upgrades, and complimentary breakfast.
The card also offers discounts on car rentals from Avis, Hertz, National, and Audi, as well as personalized winemaker and celebrity chef experiences through Infinite's fine wine and cuisine program.
You also have access to over 1,300 airport lounges, travel credits and travel insurance.
Elite credit cards that will make you feel like a millionaire
You don't have to apply for any of the cards mentioned above to feel wealthy. There are many elite credit cards that are easier to obtain.
These include:
- American Express Platinum Card®: This luxury travel card comes at a hefty price tag with an annual fee of $695. See rates and fees. But with that money comes valuable rewards and perks. Earn 5x points on flights and prepaid hotels (up to $500,000 per calendar year) booked directly through American Express Travel, and 2x points on prepaid car rentals booked through the portal. Earn 1x points on other purchases. You also get various travel credits, airport lounge access, free hotel status, and travel insurance.
- chase sapphire reserve: For a $550 annual fee, Chase Sapphire Reserve offers 10x points on hotel stays, car rentals, and Chase Dining purchases booked through Ultimate Rewards, 5x points on air travel booked through Ultimate Rewards, restaurants and general travel. You will receive 3x points. Earn 1x points on all other purchases. You also get free access to over 1,300 airport lounges, travel credits, and travel insurance.
- Chase Ink Business Preferred® Credit Card: This card has a low annual fee of $95 and comes with a great rewards program. He earns 3x points on travel and some business categories (up to $150,000, then 1x), and 1x points on everything else. You can also receive benefits such as purchase protection and trip cancellation/interruption insurance.
- Capital One Venture X Rewards Credit Card: Capital One's Venture X boasts one of the most lucrative rewards programs. Earn 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, and 2x miles on all other purchases. . The card also has a strong welcome bonus and comes with travel credits to offset the annual fee.
conclusion
Yes, certain credit cards serve as status symbols. But don't despair if you don't get the Centurion Card or the Dubai First Royal Mastercard. There are still plenty of cards designed for the rest of us, with strong rewards programs, plus travel and retail perks.
*Eligible benefits and benefit levels vary depending on the card. Terms of use and restrictions apply. For more information, visit americanexpress.com/benefitsguide.Underwritten by Amex Assurance Company
The opinions expressed are the author's alone and not those of any bank, credit card issuer, or other entity. This content has not been reviewed, approved, or otherwise endorsed by any organization included in the post.
