The Five Most Exclusive Credit Cards to Own

The Five Most Exclusive Credit Cards to Own

In this post we explore some of the most exclusive credit cards in the world. Ones you might see in the mix if you dine with the world?s elite, rich and famous.

Credit cards at this level are more than just a sparkling piece of plastic or metal, they allow you to earn different types of rewards on spending that you would be doing in the first place, and if used responsibly, will be a massive accelerator to your credit score.

The best and most exclusive credit cards offer benefits that no other card can match. Access to these exclusive clubs is not easy to obtain but it is more than worth the price of admission.

In this post we will count down the five most exclusive credit cards to own, what is takes to own one and what the perks are for their holders.

The Credit Cards of Millionaires

5. The Citigroup Black Chairman Card

There is nothing more exclusive than secrecy, and when it comes to both of these, this card has it. This card is by invite only and you need to have major investments in your Citigroup brokerage account. While the specifics are not available to the public, the word on the street is that the card has a limit up to $300,000. There is a $500 annual fee, but the perks include travel points, travel upgrades, and even access to private lounges at airports around the world. Lastly, and this should go without saying, you need excellent credit to qualify for the Citigroup Black Chairman Card.

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4. The Mastercard Gold Card

This card is all about the rewards, but getting in will cost you big time. The $995 annual fee may scare the faint of heart away, but those who pay the price are welcomed to a world of rewards. This card gives you 2% back on airfare, 2% cash back redemption, a 24/7 luxury card concierge to assist you with any travel needs, and a world class 22g metal design. This card just oozes luxury.

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3. J.P. Morgan Reserve Card

Better check your inbox as this card is another one that is available by invite only. There is a rumor that the earlier version of this card was the preferred card of former US president Barack Obama. The POTUS, now that?s an elite club to be a part of. Provided that you are lucky enough to receive an invite to this exclusive club, you will need to pony up the $595 annual fee to gain access to all of the benefits here. These include 3x points on dining and travel, a $300 travel credit every year, a credit back on signing up for global entry and TSA PreCheck, 120 protection on all purchases.

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2. Dubai First Royale Mastercard

This card is so luxurious that it actually has a 0.235-carat diamond at its center and the card is trimmed with gold. This card is also by invite only, but invitation does not guarantee that you have the necessary income to be welcomed in. The initiation fee here is 7,000 in UAE dirham which is equivalent to $1,900. Once in, the rewards are bountiful. First, this card is built to let clients buy whatever they want as it has no limit. Additionally, you have 24/7 access to their Royale Lifestyle Management and your very own dedicated lifestyle manager. With this card, the world is your oyster.

Image for postThis card is real gold and that?s a real diamond

1. Centurion Card from American Express

Also infamously known as the Black Card. To enter this exclusive club, you had to have been invited and you had to have spent and paid upwards of $250,000 in a single year. If you clear this hurdle, you then need to pay an initiation fee of $7,500 and you will pay an annual fee of $2,500. Once in you have; no spending limit, access to a personal concierge who can handle literally any request, access to luxury airport lounges, incredible gifts, and reservations at 1,000 of the world?s most renown restaurants. This card is for the elite of society, and few have access to its rarified air.

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Humans romanticise being members of the elite, and these credit cards are a testament to that. Gaining access to their premium financial groups is not easy, but once in, you have access to incredible perks and a new level of luxury.


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