Elite Credit Cards Available to the Rich in 2022

Triston Martin

Dec 18, 2021

When finances are tight, using a credit card to make additional purchases or earn rewards can be a lifesaver for those with typical incomes. They have access to credit cards that offer privileges such as free travel and hotel stays, which help them afford their lavish lifestyles. Many high-end credit cards are only available to those invited or who have met specific performance goals. Following are the 5 credit cards for the super-rich.

1. Centurion Card from American Express

Known as the "Amex Black Card," the Centurion Card is the most exclusive credit card globally. Since its inception in 1999, American Express has been shrouded in mystery, earning it a cult-like following among users. Even though American Express hasn't released all of the information on the Centurion card, they haven't revealed how anyone can become a cardholder.

Credit Karma estimates that you must spend at least $100,000 annually and earn at least $1 million annually to qualify for an American Express card. Additionally, according to Condé Nast Traveler, Amex prioritises customers who spend money on high-end products like fine dining and travel-related experiences.

To begin with, you had to be invited to apply for the card by American Express. However, in recent years, American Express cardholders have used it. An initial charge of $10,000 and a yearly fee of $5,000 will be required if you are approved.

Cash advances have an annual percentage rate (APR) of the prime rate + 21.99%, with a maximum of 29.99%. Pay-over-time allows you to keep a balance and accrue interest on it simultaneously. American Express does not mention the benefits and rewards associated with the Black Card.

While Condé Nast Traveler spoke with cardholder Brian Kelly, CEO of the Points Guy, he claims that the card gives him access to the Centurion International Arrival Services, which gets him off the plane and handles customs and immigration for him, as well as elite travel status in airports. Additionally, the Centurion Dining Program provides access to unique wine tastings and excursions, and the Centurion Hotel Program, which offers upgrades and on-property credits.

2. Reserve Card of JP Morgan Chase

Chase Reserve Credit Card is one of the elite credit cards. It is laser-etched palladium and gold, and it is only available to those who have been invited to apply for it (it was formerly known as the "Palladium Card"). But according to Credit Card Insider, you must have at least $10 million invested with JP Morgan's asset management to be eligible for an invitation. Annual fees on the Reserve American Express Card are significantly lower than on the Centurion American Express Card, at just $595.

Benefits and prices are abundant with this card. A $300 annual travel credit is available to cardholders who spend $300 or more on travel and eating each year on their card, in addition to Door Dash, Caviar, and Peloton. There are specific car rental advantages with National, Avis, and Silvercar.

There is a $50,000 yearly cap on claims for damage or theft on new purchases for 120 days. Chase employs round-the-clock fraud warnings and real-time fraud monitoring. It comes with zero liability protection, which means that you will not be held responsible for any unauthorised charges, as well as 24/7 customer care and worldwide travel help.

3. The Stratus Rewards Visa Credit Card

Even the hue of the card is an attempt to set it apart from other high-end cards. High-net-worth individuals (HNWIs) can only receive the dazzling white card by invitation. On the other hand, these people can combine their points to redeem for private aircraft and other advantages that are only available on this card.

Personal concierge services, discounted charter flights, automobile services, premium hotel upgrades, merchandise discounts, and lifestyle expert consultations are among the additional benefits. The annual charge is $1,500.

4. World Silk Card by Coutts

At least 100 other Coutts clients with $1 million or more each utilise the Coutts World Silk Card, including Her Majesty Queen Elizabeth II. One of the most premium credit cards in the United Kingdom, it provides 24/7 concierge service, access to private airport lounges, and exclusive shopping at designer boutiques.

Credit Card With Stratus Rewards

There's a lot of mystery about the Stratus Rewards Visa White Card, another high-end credit card for the elite. With an annual cost of $1,500, this invitation-only, ultra-premium credit card caters to those who charge at least $100,000 in annual credit card expenses. If you've ever wanted to fly in a private jet or charter plane, you may be able to use your points to do it.

Consider the following: Even if you don't use your points to fly on a private jet, the Bank of America® Travel Rewards credit card will still reward you for your travels. If you're looking for a travel credit card that allows you to earn an infinite 1.5 points for every dollar spent, this one is for you. A yearly fee or foreign transaction costs are not charged. And if you have at least $20,000 in Bank of America banking or Merrill Lynch investing accounts, you may earn 25 per cent to 75 per cent extra rewards by joining the Bank of America Preferred Rewards programme.

According to reports, this card has a $300,000 credit limit and an annual charge of $500 for authorised. Citi ThankYou points can be redeemed for items, gift cards, travel through the Citi portal, or transfers to Citi airline partners when you make purchases with your card.


In this section, we're concentrating on the benefits of credit cards offered. If you have to pay interest or late fees, these cards aren't worth it. Paying your credit card bill in full each month, on time, and only spending what you can afford are all crucial rules to follow while using a credit card.

The credit cards available to the wealthy are no exception to the direction that the rich enjoy special privileges that the rest of us cannot imagine. For frequent travellers and other high-spending customers, many banks offer a variety of invitation-only credit cards. If you want to acquire an invitation to one of the most elite credit card programmes out there, you're going to need a particular "in," like a bank relationship or a lot of money spent each year.

Things aren't always that terrific with the most prestigious credit cards. Concierge service and street cred are nice perks. Still, the most significant rewards cards available to the general public are sometimes just as good or better than those offered by some of the most exclusive credit card companies.

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