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.
Interested in a personal loan?Here are the top personal loan lenders of 2019!
|Lender||APR Range||Loan Amount|
|1 Includes AutoPay discount. Important Disclosures for SoFi.
2 Includes AutoPay discount. Important Disclosures for Payoff.
3 Important Disclosures for FreedomPlus.
4 Important Disclosures for Citizens Bank.
Citizens Bank Disclosures
5 Important Disclosures for LendingPoint.
6 Important Disclosures for LendingClub.
All loans made by WebBank, Member FDIC. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history. The APR ranges from 6.95% to 35.89%*. The origination fee ranges from 1% to 6% of the original principal balance and is deducted from your loan proceeds. For example, you could receive a loan of $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. In this example, you will receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64. Your APR will be determined based on your credit at the time of application. The average origination fee is 5.49% as of Q1 2017. In Georgia, the minimum loan amount is $3,025. In Massachusetts, the minimum loan amount is $6,025 if your APR is greater than 12%. There is no down payment and there is never a prepayment penalty. Closing of your loan is contingent upon your agreement of all the required agreements and disclosures on the www.lendingclub.com website. All loans via LendingClub have a minimum repayment term of 36 months. Borrower must be a U.S. citizen, permanent resident or be in the United States on a valid long term visa and at least 18 years old. Valid bank account and Social Security number are required. Equal Housing Lender. All loans are subject to credit approval. LendingClub’s physical address is: LendingClub, 71 Stevenson Street, Suite 1000, San Francisco, CA 94105.
†Per reviews collected and authenticated by Bazaarvoice in compliance with the Bazaarvoice Authentication Requirements, supported by anti-fraud technology and human analysis. All reviews can be reviewed at reviews.lendingclub.com
**Based on approximately 60% of borrowers who received offers through LendingClub’s marketing partners between January 1, 2018 to July 20,2018. The time it will take to fund your loan may vary.
7 Important Disclosures for Earnest.
8 Important Disclosures for Avant.
* The actual rate and loan amount that a customer qualifies for may vary based on credit determination and other factors. Funds are generally deposited via ACH for delivery next business day if approved by 4:30pm CT Monday-Friday. Avant branded credit products are issued by WebBank, member FDIC.
** Example: A $5,700 loan with an administration fee of 4.75% and an amount financed of $5,429.25, repayable in 36 monthly installments, would have an APR of 29.95% and monthly payments of $230.33
* Important Disclosures for Upgrade Bank.
Upgrade Bank Disclosures
** Accept your loan offer and your funds will be sent to your bank via ACH within one (1) business day of clearing necessary verifications. Availability of the funds is dependent on how quickly your bank processes this transaction. From the time of approval, funds should be available within four (4) business days.
|7.73% – 29.99%||$1,000 - $50,000|
|6.26% – 14.87%1||$5,000 - $100,000|
|6.99% – 35.97%*||$1,000 - $50,000|
|5.99% – 24.99%2||$5,000 - $35,000|
|4.99% – 29.99%3||$10,000 - $35,000|
|5.99% – 18.99%4||$5,000 - $50,000|
|15.49% – 34.49%5||$2,000 - $25,000|
|6.95% – 35.89%6||$1,000 - $40,000|
|6.99% – 18.24%7||$5,000 - $75,000|
|9.95% – 35.99%8||$2,000 - $35,000|