10 of the most glamourous credit cards used by the rich | finder.com

The most exclusive credit cards in the world

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Roll out the red carpet and check out the 10 most exclusive credit cards.

There are some credit cards designed specifically for people with money and status. These products are rarely advertised and are only offered by invitation to the super elite.

While they might not be within your reach right now, it can’t hurt to aspire. Let’s see what the 10 most exclusive cards in the world have to offer.

The Platinum Card® from American Express

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5x Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms Apply.
  • Read Rates & Fees
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American Express® Gold Card

American Express® Gold Card

  • Get the American Express® Gold Card in Limited Edition Rose Gold, only available until 1/9/2019.
  • Receive 20% back as a statement credit at U.S. Restaurants within the first 3 months, up to $100 back. Offer available to new Card Members who apply by 1/9/2019.
  • Plus, earn 25,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
  • Earn 4X Membership Rewards® points at U.S. restaurants. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Earn up to $10 in statement credits monthly when you pay with The Gold Card at Grubhub, Seamless, The Cheesecake Factory, Shake Shack, and Ruth’s Chris Steak House. This is an annual savings of up to $120. Enrollment required.
  • $100 Airline Fee Credit: up to $100 in statement credits per calendar year for incidental fees at one selected qualifying airline.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • Read Rates & Fees
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The top 10 most exclusive credit cards

front view of amex centurion card

1. American Express Centurion

Also known as the Black Card, the American Express Centurion is an elusive and exclusive card issued by invitation only. To be invited, you must be an existing The Platinum Card® from American Express holder who spends more than $250,000 a year.

Apart from having no credit limit on your card and a rumored 24/7 dedicated concierge who will get you practically anything you want, this card offers perks so exclusive that they’ve never been advertised. Premium travel and hotel privileges, rare dining and entertainment experiences, as well as excess insurance for top-of-the-line luxury car rentals… we can only imagine what other doors this card opens.
jp morgan card front view

2. JPMorgan Chase Palladium

Made of metal and literally minted with palladium and 24K gold, this is one card you can’t take with you through the metal detectors. Although previously available by application, this card is now only offered by invitation to clients of JPMorgan’s private banking wealth management or investment banking arms. This means you’d have to have at least $250,000 privately managed by them.

For $450 a year, this card offers travel perks including a full United Club membership, unlimited lounge access and Priority Pass, a strong suit of travel insurance covers and access to private jets if you should prefer to fly that way. You’ll also earn 2 points per $1 spent on travel, 1 point on all other eligible purchases, and 35,000 bonus points if you spend more than $100,000 a year.

dubai first card front view

3. Dubai First Royale Mastercard

Embedded with a white .235-carat solitaire diamond and trimmed with gold, this elaborate card is the Dubai Group’s exclusive offering to UAE royalty and the region’s top millionaires.

The qualification and fee details of this card are almost as elusive as the card itself. Rumor has it the fee alone is nearly $2,000. But if you had the honor of being offered one, you could enjoy no pre-set credit limit, your own dedicated relationship manager and “Royale Lifestyle Management” services. Based on what we’ve read about this card, it seems you can get anything you want with it.

coutts silk card front view

4. Coutts World Silk Card

The prestigious Silk Card offered by the Royal Bank of Scotland-owned UK private bank is exclusive to Coutts clients only – including the Queen. The card starts with about a $26,000 monthly credit limit, although this may differ depending on the bank’s personal assessment of your finances.

The Silk Card has an annual fee of $456 that’s waived if you spend above $65,225 in your card membership year. With this card, you can expect a host of insurance, travel lounge and Priority Pass perks, luxury brand offers, concierge services and exclusive memberships with hotels, airlines, jet and cruise companies.

sberbank gold card front view

5. Sberbank Visa Infinite Gold Card

If being crafted from solid gold isn’t quite enough, throw in .17 carats worth of diamonds (totalling 26 stones to be precise) and some mother-of-pearl. Issued by Kazakhstani outfit Sberbank to only 100 of its top clients, this Visa Infinite Gold card reportedly costs a neat $100,000 upfront. Of this money, $65,000 is an account fee, and $35,000 goes to the account’s opening credit.

Aside from the pleasure of owning a solid gold status symbol, cardholders enjoy above $250,000 life insurance coverage, exclusive concierge services, VIP access at some of the world’s finest golf courses, luxury vacations and fast-track immigration treatment in hundreds of airports globally.

Eurasian Diamond Card (Visa Infinite) front view

6. Eurasian Diamond Card (Visa Infinite)

Another Kazakhstani offering, the Eurasian Bank Diamond Card is an elite Visa card for invitation-only clients. This striking black card features a pure gold inlaid heart with a .02-carat diamond centrepiece, and can only be obtained by recommendation of the bank’s management board, or upon referral of two existing Diamond cardholders. You must also make more than $300,000 a year to qualify.

Annual card fees range between $460 and $1400, depending on the size of your current bank balance. Perks include personalized concierge services, VIP airport lounge and Priority Pass access, as well as super-charged Visa exclusives such as hotel discounts, ticket pre-sales, luxury dining, spa offers and purchase protection from loss and theft.

stratus visa front view

7. Stratus Rewards Visa

Fondly called the White Card, the Stratus Rewards Visa is often seen as the definitive card for ultra elite jetsetters. To get this card, you need a referral from an existing cardmember or a Stratus Rewards partner company before you’ll even be considered for an exclusive invitation.

As far as features go, this is the card for those who want to fly in privacy and style, with a rewards program that offers private jet flight-time as a redeemable reward. If you like, you could also trade your reward points in for a personal consult with a famed lifestyle expert. At $1,500, this card will give you access to personal concierge services, discounted charter flights, complimentary car services and luxury hotel upgrades, special events and exclusive gift bags.

merrill lynch octave front view

8. The Merrill Lynch Octave Black Card

Made of black metal and sporting an American Express logo on its front, the Merrill Lynch Octave Black Card is an invitation-only card that caters to the American bank’s highest-net-worth clients. To qualify, you must have over $10 million sitting in a Merrill Lynch account and also be a Merrill Lynch Private Wealth Management or US Trust client.

Lucky cardholders pay $950 in annual fees and enjoy perks including no pre-set credit limit, 2.5 rewards points per $1 spent on all eligible purchases, an annual $350 worth of travel credit or a Delta SkyClub Executive membership, select airline and private jet flight discounts and premium concierge services.

9. Santander Unlimited Black Card

santander unlimited front viewThis understated Black Card represents the “unlimited credit” that Brazilian Santander Group offers to its elite private banking customers. Although eligibility details are undisclosed, only about 2,000 to 3,000 cards are in circulation.

For approximately $275 annually, card perks include high, flexible spending limits, 24/7 concierge services, VIP airport lounge access, Priority Pass, private jet discounts and the usual suite of insurance covers. You also earn 2.2 points for every $1 spent on the card.

luxury gold card front view

10. Luxury Card Mastercard® Gold Card™

Plated with 24K gold, Luxury Card Mastercard® Gold Card™ is a carbon Mastercard designed with rewards in mind. Unlike the others on this list, you can apply for this card without an invitation. But does that mean it’s not exclusive after all? With unpublished income requirements and a $995 price tag, it’s still considerably pricey for a card.

The perks you can expect include 2% cash back or half-priced air fare redemptions when you spend above 50,000 points on flights, $200 in airline credit yearly, a $100 Global Entry application fee credit, VIP airport lounge access and Priority Pass, luxury concierge services and exclusive luxury gifts.

Luxury Card Mastercard® Gold Card™

  • 24k gold-plated card
  • 2% point value when you redeem for airfare or cash back
  • Enjoy 24/7 access to Luxury Card Concierge
  • $200 annual airline credit toward qualifying airline purchases
  • $100 Global Entry application fee credit
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Compare gold and platinum credit cards in the US

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$550
None (Charge Card)
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
$250
See Rates & Fees
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$75 annual fee for the first year ($99 thereafter)
23.9% variable
All the benefits of Mastercard Gold for those with less than perfect credit.
$48
9.99% fixed
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
$49
9.99% fixed
Low fixed interest rates with no penalty rate.
$49
9.99% fixed
Fast, easy application process. No processing or application fees!
$0
26.99% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
$450
None (Charge Card)
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
$0 annual fee for the first year ($99 thereafter)
17.99% to 25.99% variable
Earn 50,000 AAdvantage® bonus miles after you spend $2,500 in the first 3 months.
$0 annual fee for the first year ($99 thereafter)
17.74% to 25.74% variable
70,000 AAdvantage® miles after making $4,000 in purchases in first 4 months of account opening
$0
The AccountNow Gold Visa Prepaid Card is a debit card that allows cardholders the convenience of direct deposit without having to open a checking account.

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Adrienne Fuller

Adrienne Fuller leads the publishing team at finder.com. She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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