Sorry, Black Cards are Invitation Only
Since there is no way to officially apply without an invite, your best bet is to check the requirements for members to see if your spending habits and qualifications match up.
In addition to being a high earner and meeting large spending requirements, you'll need top credit scores to get a black card. A credit score between 800 and 850 is considered exceptional.
The American Express Black Card's requirements are rumored to include being an Amex cardholder for at least a year, spending over $100,000 annually on American Express credit cards, and annual income of at least $1 million. You'll probably need to have an excellent credit score, too.
The invitation-only Black Card is aimed at high-net worth individuals who travel frequently and spend at least $250,000 on their other Amex cards.
The black card and how to get one
Needless to say, this requires a very high level of income. According to one report, Centurion cardholders had an average annual household income of about $1.3 million and had a net worth of about $16 million. And once you qualify, the card is quite expensive.
BTS' Jin and Jungkook
The total bill clocked in at around US$730, according to Kpopstarz and Jin paid for it all with his Hyundai black card. The youngest BTS member was also spotted by fans trying to buy snacks from a vending machine. His payment was rejected …
The Amex Centurion "black" card makes other premium credit cards look downright affordable. It has an initiation fee of $7,500 and an annual fee of $5,000.
The Mastercard® Gold Card™ is the highest-end card offered by Luxury Card, which offers three metal rewards cards. The other two are the Mastercard® Black Card™ (Review) and the Mastercard® Titanium Card™ (Review).
Some of the K-pop idols who own the luxurious Black Card are BIGBANG's G-Dragon and Taeyang, BTS' Jin and Jungkook, BLACKPINK's Jennie, EXO's Suho, Girls' Generations' Taeyeon and TXT's Yeonjun.
To get an invitation to the card, cardholders must have a minimum of $10 million in assets managed by J.P. Morgan's private bank. It is one of the few invitation-only credit cards in the United States. The closest card by comparison is Centurion® Card from American Express, sometimes referred to as the Amex black card.
Known simply as the “Black Card,” you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as it's rumored that you must charge at least $1 million per year to an American Express credit card to even qualify.
BLACKPINK Jennie
Jennie comes from a very well-off family and is herself one of the most influential figures in the world of music and fashion today. Much like her boyfriend, G-Dragon, she too, owns a black card.
The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer private concierge service, and some are even rumored to provide charter jet service.
Hyundai Card's 'The Black,' Samsung Card's 'Raume O,' Hana Card's 'Club 1', and KB Kookmin Card's 'Tantum' are four of the most costly black cards ever made. These cards' yearly fees alone are almost 2 million KRW.
But we have it on good authority that celebrities including Beyoncé, Oprah Winfrey, and Jerry Seinfeld, who reportedly received the first-ever Black Card, all carry it. Collectively there are thought to be fewer than 20,000 AmEx Centurion cardholders around the world.
If you want full unrestricted access to Planet Fitness offers, a Black Card membership is a great option. Planet Fitness is available 24/7, so you can exercise whenever you like. Planet Fitness has many branches, and the Black Card membership permits you to use them all.
There's no credit limit
The American Express Black Card doesn't have a pre-set spending limit, so cardholders can spend as much as they want every month. But that's only the case if they can afford it. The Centurion® Card from American Express is a charge card, so cardholders can't carry a balance.
Yes, the American Express Platinum card is hard to get approved for. It will be difficult for the average person to get Amex Platinum because of the card's 700+ credit score requirement and reportedly high income requirement.
How Do I Get a Black Card? To get the Mastercard Black Card you can simply apply for it online like most credit cards. You'll need excellent credit to get it, and there's a $495 annual fee. See our full review of the Mastercard Black Card.
If reports are to be believed, BTS member J-Hope is the richest among all with a net worth of around $26 million. He is followed by Suga with a net worth of around $25 million dollars.
The American Express Centurion Card features an initiation fee of $10,000, an annual fee of $5,000 and no preset spending limit. American Express may, however, decline a transaction based on its assessment of your creditworthiness or in the instance of what it believes to be a fraudulent transaction.