What's the hardest card to get approved for?

Asked by: Rubye Strosin Jr.  |  Last update: July 15, 2025
Score: 4.1/5 (38 votes)

Centurion® Card from American Express Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion 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...

What is the hardest card to get approved for?

Hardest Credit Cards To Get In 2023
  • American Express Centurion Card (“Black Card”)
  • Chase Sapphire Reserve.
  • American Express The Platinum Card.
  • Capital One Venture X Rewards.
  • American Express The Business Platinum Card.
  • Mastercard Black Card.
  • American Express Gold Card.
  • Mastercard Gold Card.

What is the easiest card to get approved?

Easiest credit cards to get approved for
  • Winner: Discover it® Secured Credit Card.
  • Easiest unsecured credit card to get: Petal® 1 No Annual Fee Visa® Credit Card.
  • Easiest credit card to get with no credit check: Secured Chime Credit Builder Visa® Credit Card.

Which credit card is not accepted the most?

American Express is more expensive to process than other credit cards, which is why some businesses choose not to accept Amex cards.

What credit card has a $100,000 limit?

The credit card that gives you the highest available credit is the Chase Sapphire Preferred® Card because it reportedly offers a maximum credit limit of $100,000. Chase Sapphire Preferred reserves its maximum credit limit for the highest-income individuals with good credit or better, though.

Hardest Credit Card to get APPROVED For...

36 related questions found

How to get $50,000 credit card limit?

If you have excellent credit, high income and low credit utilization among other variables, issuers may offer you a credit line of $30,000 to $50,000.

How hard is it to get approved for Chase Sapphire Preferred?

Generally, you'll need to have a credit score of at least 700 in order to qualify for the Chase Sapphire Preferred® Card. It is possible for you to qualify with a lower score — or even be rejected with a higher score — but to improve your odds of being approved, aim to have a score above 700.

Which credit card do most millionaires use?

What credit card do millionaires use? Many millionaires use the American Express Centurion Card, J.P. Morgan Reserve Card, the Insignia Jewellery Card, and other high-end, invitation-only cards that provide extensive travel perks and personalised services.

What is the #1 credit card to have?

The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also earn an initial bonus of $200 cash rewards after spending $500 on purchases...

How accepted is the Discover card?

Discover boasts that their cards are accepted at more than 99 percent of places in the U.S., but the Discover coverage map shows huge gaps in global acceptance in Africa, the Middle East and Eastern Europe. In comparison to Visa, Discover cards are accepted at more than 70 million locations.

Which Bank approve credit cards easily?

Apply for Credit Card Online & Get Instant Approval. ICICI Bank Credit Cards are tailored to suit your lifestyle and preferences, so that you can save as you spend. Enjoy exceptional benefits like entertainment discounts, lounge access, exclusive dining deals and fuel savings.

What is the easiest Bank to get approved for?

What are the easiest bank accounts to open online?
  • Discover Cashback Debit.
  • U.S. Bank Smartly Checking.
  • Truist One Checking.
  • Bank of America Advantage Plus Banking®
  • Chime Checking.
  • Chase Total Checking.
  • Current Checking.

What is the easiest Capital One card to get?

Capital One credit cards for fair credit include QuicksilverOne, Quicksilver Secured, and the Platinum Mastercard. Your credit score is only one of the many factors that determine your credit approval odds. The best way to know if you'll qualify is to get pre-approved. It's quick, easy and won't hurt your score.

Which is the strongest card?

The ace of spades (also known as the Spadille, Old Frizzle, and Death Card) is traditionally the highest and most valued card in the deck of playing cards. The actual value of the card varies from game to game.

What is the hardest bank to get into?

Which is the hardest investment bank to get into? Goldman Sachs is notoriously difficult to get into. One statistics recently rolled out was that it received 100,000 applications for just 2,300 global internship positions. This means that it received 24 applications for every job it posted.

Is American Express hard to qualify for?

In general, you'll need to have good to excellent credit, with some cards harder to qualify for than others. "You can assume cards with the best perks and rewards will require an average credit score of 700 or greater to qualify," says Griffin. "Higher scores may be required to receive the best terms.

What credit card is the most elite?

Most Prestigious Credit Cards in 2025
  • Centurion® Card from American Express: Most Prestigious Overall.
  • The Platinum Card® from American Express: Airport Lounge Access.
  • Chase Sapphire Reserve®: Visa Infinite Concierge.
  • Capital One Venture X Rewards Credit Card (see Rates & Fees): Generous Rewards.

What credit score do you need for Wells Fargo active cash card?

Credit score needed for the Wells Fargo Active Cash Card

To be eligible for the Wells Fargo Active Cash Card, a credit score within the good to excellent range is typically needed — at least 670 or higher according to the FICO® Score range — for the best chance of approval.

What is a Level 1 credit card?

The main difference between them is the amount of data they provide. Level 1 data includes basic information about a transaction, such as the amount, card number, and expiration date. Level 2 data includes additional information, such as the tax amount, merchant's postal code, and customer code.

What is a black card limit?

Black card credit limit

Like many details with black cards, there's not a clear cut answer. The Centurion® Card from American Express is a charge card with no set credit limit. Amex does have a Pay Over Time option, which allows you to make monthly payments on certain purchases.

Does Elon Musk have a credit card?

To handle that, he has credit cards and debit cards on bank accounts. He can also write checks against his bank accounts. He does not use such cards or checks to buy things like Twitter; big purchases are done with bank loans, more like mortgages for a house.

What credit card screams rich?

The super rich use various credit cards, many of which have strict requirements to obtain, such as invitation only or a high minimum net worth. Such cards include the American Express Centurion (Black Card) and the JP Morgan Chase Reserve.

What is the 5 24 rule for Chase?

The 5/24 rule, often referred to as the Chase 5/24 rule, is an unofficial Chase guideline that states you will not be approved for a new Chase card if you have opened five or more credit card accounts from any bank within the past 24 months.

What credit score do you need for Amex?

You'll want a credit score of at least 670 for the best approval chance. However, having a pristine credit score doesn't guarantee your approval; Amex considers other factors, such as your income and history with Amex.

Can you pay rent with a credit card?

Landlords who do accept direct credit card payments have to pay merchant processing fees for the privilege, and it's common for them to pass those fees on to the renters on top of rent. The convenience fee for paying rent with a card typically ranges from 2.5% to 2.9%, which may sound small, but it adds up.