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With common credit cards now charging hundreds of dollars in annual fees, don’t be fooled into thinking that you already have a prestigious card. The ultra-rich, the super-elites, and the celebrities don’t settle for anything in the mass market. Instead, they resist cards you’ve never heard of: accounts veiled in secrecy. Their inaccessibility offers an additional attraction.
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Prestige is just the beginning. These exclusive premium cards are often accompanied by specialized concierge services to suit your every whim. Individual account managers go out of their way to respond to requests and create a tailored customer experience. Plus, lavish perks and luxury gifts aren’t unheard of, nor are six-figure credit limits.
As you might expect, having a solid credit score and a healthy checking account won’t be enough to get one of these cards. The most exclusive credit cards are invitation-only, a gateway precisely designed to keep things reserved for the privileged few. Applicants can be hand-picked based on a strong and existing relationship with the card issuer. Their spending habits are likely to be at levels the average American only dreams of.
Are these exclusive credit cards just a status symbol or a lucrative opportunity? It’s up to you to decide.
American Express Centurion Card
Better known as the “black card”, the prestige of the Centurion card is in part due to the mystery behind it. The exact criteria for receiving an invitation are not published, but if you are already an Amex card holder with high spending, you can request an invitation online. What we do know is that the annual fee of $ 5,000 comes with elite travel statuses and luxury outlet memberships as well as unparalleled personalized service.
With this card and a few others on our list, the benefits available to you are not being publicly disclosed. But we do know the card comes with an Equinox All Access Gym membership (worth $ 3,120 per year), $ 1,000 annual credit to Saks Fifth Avenue, and plenty of travel benefits, like airport lounge access, including reserved seating at Centurion clubs and VIP airport arrival services at 32 major airports.
This card also gives you the top status on Delta, Hertz and Hilton
Related: The best credit cards of 2021
JP Morgan Reserve Card
Besides the JP Morgan mark on this card and the added weight of its palladium composition, this product is eerily similar to the publicly available Chase Sapphire Reserve. This makes this invitation card uniquely a card that you primarily get as an immediate signal of your status rather than a card that you covet for the benefits. After all, sometimes playing hard to get is half the draw.
With this card, you will earn bonus rewards on Peloton equipment purchases or a $ 120 discount on a Peloton digital membership. You’ll also receive an annual travel credit of $ 300 and unlimited restaurant deliveries through DoorDash with a $ 0 delivery charge and reduced service charge on qualifying orders over $ 12.
Coutts silk card
In Coutts’ own words, the Silk payment card “opens the doors to a world of privileges and benefits” through its exclusive loyalty program and exclusive network of global concierges. Unlike other cards, this UK card is less focused on manual candidate selection and more on serving high net worth clients.
How rich is he enough? Gossip on the street suggests that you will need to have at least £ 1million in a Coutts account, making it a more accessible option.
Dubai First Royale Mastercard
Like the city of Dubai itself, there is nothing underestimated about the ultra-exclusive Dubai First Royale Mastercard. Dotted with diamonds and topped with gold, the physical map is extravagant. and the intrinsic benefits are even more drool-worthy.
It’s also by invitation-only and reserved for some of the richest people in the world. Rumor has it that it’s owned by royals and billionaires, it’s safe to say that if you have to ask how to get the card, you’re not in the right circles just yet.
Plated in real 24 carat gold, the MasterCard Gold Card lives up to its name. While the card offers a number of travel benefits similar to premium cards available in the mass market, it stands out with its comprehensive concierge services. Whether you’re looking to skip the lines, go behind the scenes, or deal with a crisis, there’s someone ready to help 24/7. It will cost you $ 995 per year, but no invitation is needed to apply.
For the cost, we believe that a card that is still premium but with a lower annual fee offers a better value proposition, if you’re willing to ditch 24k gold.
Related: The best metal credit cards of 2021
Other exclusive cards
There are other exclusive cards, cards so exclusive that you will only discover them if your private banker calls you directly. If this happens, listen carefully. While not all cards have exaggerated designs with gold and gems, you can bet that these will be glamorous offers that immediately convey status. Most importantly, if you are one of the lucky few, you will have access to unparalleled service that will leave you wondering how you ever survived without it.
Becky Pokora is a travel and credit card points journalist.
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