The 7 Most Exclusive Credit Cards You’ve Never Heard About

most exclusive credit cards

We’ve all been there. One second, we’re buying gold-plated jacuzzis for our private yacht. The next, we’ve hit our credit limit.

It’s a huge inconvenience that no one should have to suffer. Fortunately, there’s a solution.

By getting one of the world’s most exclusive credit cards, you can spend without limits. Plus, you’ll get elite perks, like 24/7 concierge service and access to sold-out events.

Don’t let insufficient credit stop you from buying a Bugatti or vacationing in Antibes. With one of these elite credit cards, you’ll never run into these annoying problems again.

Seven of the world’s most exclusive credit cards

1. American Express Centurion Card

Once you’re a member of the elite credit cards club, you no longer carry plastic in your wallet. The American Express Centurion Card, also known as the Amex Black Card, is made of pure titanium.

It costs $7,500 to initiate and comes with an annual membership fee of $2,500. With this hefty fee comes exclusive travel, food, and entertainment perks. Unfortunately, the specific perks of black cards are so exclusive that American Express only reveals them to members.

In fact, you have to get an invitation even to get an American Express card. Rumor has it, American Express only invites AmEx customers who spend hundreds of thousands a year on their other cards.

In an article in Entrepreneur, Neil Patel detailed his experience with the AmEx Black Card, which he uses mainly for business expenses. He noted its lucrative travel rewards, with a 1.5 percent increase for every $5,000 he spent on the card.

He also talked about the card’s private concierge service that helped him make reservations at full restaurants and get tickets for sold-out events. Black cards also grant you access to private airport lounges all over the world. Black Card holders, Patel said, can even shut down stores in a mall for private shopping.

2. Dubai First Royale MasterCard

What’s more luxurious than a titanium credit card? One plated in gold and studded with a white diamond, of course. That’s right, the Dubai First Royale MasterCard is literally coated in precious metals and gems.

The Dubai First Royale MasterCard is another invitation-only card that caters to millionaires. Most of its holders live in the United Arab Emirates, but the card is open to one-percenters around the world.

If you’re invited to this ultra-exclusive luxury card, you’ll have 24/7 concierge service. According to The National, a Dubai card lifestyle manager will arrange anything you need, whether it’s last minute tickets to the Oscars or a weekend flight to Germany to test drive a Porsche.

Says Dubai First CEO Ibrahim al Ansari, the card is not money, it’s a service. “You ask for the moon and we try and get it.”

3. Eurasian Diamond Card Visa Infinite

If you’re looking for even more bling, you’ll like the Eurasian Diamond Card Visa Infinite. This card from the Eurasian Bank in Kazakhstan is ornamented with a gold and diamond heart. Executive director Dmitry Nikolin told Reuters the Diamond Visa is meant for “a private club of VIP clients.”

The bank reminds would-be clients that “the card cannot be bought.” Instead, you must get a recommendation from someone on the bank’s management board or two Visa Diamond card holders.

With this diamond and gold card, you’ll get leading concierge services that help you hire a butler or arrange a private plane. If you need a Kazakhstan visa, the card’s services will help you acquire one, too.

4. JP Morgan Visa Infinite

The JP Morgan Visa Infinite card – formerly known as the JP Morgan Chase Palladium – is made of palladium and gold. While details about how to apply for the card are scarce, various sources state that you must be a Chase member with $10 million in assets.

With this elite card, you’ll get three points for every dollar you spend on travel or dining. You’ll also receive a $300 annual travel credit and comprehensive travel insurance, along with other travel perks. Plus, all your travel points are worth 50 percent more when you book through Chase Ultimate Rewards.

5. Coutts World Silk Card

The Coutts World Silk Card is another ultra-exclusive credit card with a high monthly spending limit. The exact details match the spending profile of each consumer. According to Coutts, “[Silk] opens doors to a world of privileges and benefits.”

You’ll get 24/7 concierge service, a host of travel benefits, and access to airport lounges around the world. Card holders gain access to exclusive events and experiences. As the company says, “Silk is synonymous with luxury.”

6. MasterCard Gold Card

The MasterCard Gold Card is plated in 24-karat gold, so that, as the website says, “your card matches your status.” This gold card gives 2 percent cash back, or you can redeem rewards by shopping for luxury brands.

Members have an exclusive 24-hour concierge service, VIP airport lounge access, and a $200 annual travel credit. The card comes with a $995 annual fee.

7. American Express Platinum Card

While not as high-rolling as the AmEx Black Cards, the American Express Platinum card is another premium card. It has no pre-set spending limit. Cardholders pay a $550 annual fee.

The card’s various perks include preferred seating at games and concerts, elite hotel status, travel credits, and five points for every dollar you spend on flights and hotels through Amex Travel. New users will also get 60,000 points after spending $3,000 in the first three months.

Who uses the world’s most exclusive credit cards?

These elite credit cards are reserved for ultra-wealthy clients with high monthly spending. Many of them are granted by invitation only.

While the perks are obviously extraordinary, they’re not that useful for most of us. You can find plenty of high-rewards credit cards that offer you travel points and other perks without requiring millions in the bank.

Of course, if you need help arranging a private jet to Maui, then these elite credit cards are there for you.

Want more recommendations for credit cards (that you can actually afford)? Check out this article with the six best rewards credit cards.

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Here are the top personal loan lenders of 2018!
LenderRates (APR)Loan Amount 
1 Includes AutoPay discount. Important Disclosures for SoFi.

SoFi Disclosures

  1. Terms and Conditions Apply: SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet SoFi’s underwriting requirements. Not all borrowers receive the lowest rate. To qualify for the lowest rate, you must have a responsible financial history and meet other conditions. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, a responsible financial history, years of experience, income and other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Business Oversight under the California Finance Lender Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp., NMLS # 1121636. (www.nmlsconsumeraccess.org)
  2. Personal Loans: Fixed rates from 5.49% APR to 14.24% APR (with AutoPay). Variable rates from 5.29% APR to 11.44% APR (with AutoPay). SoFi rate ranges are current as of December 1, 2017 and are subject to change without notice. Not all rates and amounts available in all states. See Personal Loan eligibility details. Not all applicants qualify for the lowest rate. If approved for a loan, to qualify for the lowest rate, you must have a responsible financial history and meet other conditions. Your actual rate will be within the range of rates listed above and will depend on a variety of factors, including evaluation of your credit worthiness, years of professional experience, income and other factors. Interest rates on variable rate loans are capped at 14.95%. Lowest variable rate of 5.29% APR assumes current 1-month LIBOR rate of 1.34% plus 4.20% margin minus 0.25% AutoPay discount. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

2 Important Disclosures for Citizens Bank.

Citizens Bank Disclosures

  1. Personal Loan Rate Disclosure: Variable rate, based on the one-month London Interbank Offered Rate (“LIBOR”) published in The Wall Street Journal on the twenty-fifth day, or the next business day, of the preceding calendar month. As of August 1, 2017, the one-month LIBOR rate is 1.23%. Variable interest rates range from 6.02% – 15.97% (6.02% – 15.97% APR) and will fluctuate over the term of your loan with changes in the LIBOR rate, and will vary based on applicable terms and presence of a co-applicant. Fixed interest rates range from 5.99% – 16.24% (5.99% – 16.24% APR) based on applicable terms and presence of a co-applicant. Lowest rates shown are for eligible applicants, require a 3-year repayment term, and include our Loyalty and Automatic Payment discounts of 0.25 percentage points each, as outlined in the Loyalty Discount and Automatic Payment Discount disclosures. Subject to additional terms and conditions, and rates are subject to change at any time without notice. Such changes will only apply to applications taken after the effective date of change.
  2. Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower has a qualifying account in existence with Citizens Bank at the time the borrower has submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, student loans or other personal loans owned by Citizens Bank, N.A. Please note, Citizens Bank checking and savings account options are only available in the following states: CT, DE, MA, MI, NH, NJ, NY, OH, PA, RI and VT. This discount will be reflected in the interest rate and Annual Percentage Rate (APR) disclosed in the Truth-In-Lending Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan, and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.
  3. Automatic Payment Benefit: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.
7.39% - 29.99%$1,000 - $50,000Visit Upstart
5.29% - 14.24%1$5,000 - $100,000Visit SoFi
8.00% - 25.00%$5,000 - $35,000Visit Payoff
5.99% - 16.24%2$5,000 - $50,000Visit Citizens
5.99% - 35.89%$1,000 - $40,000Visit LendingClub
5.25% - 14.24%$2,000 - $50,000Visit Earnest
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