The highest credit card color is black, in large part because of the ultra-exclusive Centurion® Card from American Express, which is also known as
The Black Card is an exclusive charge card offered to high-net-worth individuals by invitation only. The Platinum Card is one tier lower.
Gold credit cards have slightly higher income and credit history requirements than standard cards, but not as high as those of platinum or black cards. You also need to have a good credit history to apply for a gold credit card.
Platinum cards give higher minimum credit limits than gold cards, which can be a bonus if you spend a lot on credit and can responsibly manage your credit card payments. Platinum cards charge higher annual fees than gold cards offered by the same provider.
The most exclusive credit card is the American Express Centurion Card, also known as the Amex Black Card. It is reportedly reserved for people who spend at least $100,000 per year, and an invitation is needed to apply.
According to Weiss, one of the most recommended cards for high-net-worth individuals is The Platinum Card® from American Express . While this card comes with a wide range of perks that make it seem too good to be true, it also comes with an annual fee of $695 (See Rates), which is higher than most other credit cards.
In order to qualify for the Mastercard® Gold Card™, you will need to have 720 - 850 credit and be able to afford the annual fee of $995 ($295 for each Authorized User added to the account).
There is not a major difference when you compare the credit cards of the platinum and the titanium tiers. The providers that offer a Titanium credit card often offer them as a step above the Platinum credit cards. You have to fulfill strict criteria to be eligible for holding these cards.
Our most-popular card. The Visa Diamond card offers our lowest rate, saving you hundreds of dollars per year compared to the "Big Bank" cards. Low rate, no annual fee, serviced locally and accepted worldwide.
Roughly the size of a credit card, The Silver Card is basically a 1 oz silver bullion ingot that is easy to keep on you at all times. The Silver Card makes a great gift and is thin enough to cut with a pair of scissors if you want to divide it up into smaller, fractional silver pieces.
With the middle-tier Black Card, you'll earn 1 point for every dollar you spend. When you go to redeem, you'll get a 2% redemption value for airfare and a 1.5% redemption value for cash back. The Luxury Card™ Mastercard® Titanium Card™ gives you 1 point for every dollar you spend, regardless of where you spend it.
Issued by Barclays, the cards in the Luxury Card portfolio have annual fees in the triple digits. The Mastercard Gold Card is the priciest, with a fee just south of $1,000 a year, while the Mastercard Titanium Card is the least expensive.
Visa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits.
Although Amex doesn't publish requirements for the card—or its perks, for that matter—it typically extends black card invitations only to high earners who have spent and paid off between $350,000 and $500,000 across all of their American Express accounts in a calendar year.
1. American Express Centurion Card. The American Express Centurion Card is the most exclusive credit card in the world and commonly known as the “Amex Black Card.” Launched in 1999, American Express has kept it in a shroud of uncertainty, giving it a very high level of status in the minds of consumers.
What is a black card? A black credit card is a type of extremely exclusive credit card that is almost solely reserved for the ultrawealthy. Typically, the cards are available on an invitation-only basis. The threshold for entry into this elite echelon of card ownership is incredibly high, as are the annual fees.
What does your credit score need to be for the Amex Platinum card? While there is no set score needed, we recommend you have a credit score of at least 720, 2 years of clean credit history, and an income of at least $50,000 per year to apply for the Amex Platinum card.
A standard 52-card deck comprises 13 ranks in each of the four French suits: clubs (♣), diamonds (♦), hearts (♥) and spades (♠).
For example, the Mastercard® Titanium Card™ requirements include having a credit score of 720 - 850 and being able to afford the annual fee of $195 ($95 for each Authorized User added to the account).
Credit Eligibility Requirements
Platinum and titanium credit cards typically have higher requirements to receive the card than gold, silver or standard credit cards.
Titanium Value. The price difference between these two metals is considerable. Platinum jewelry is the most expensive of the precious metals due to its rarity, high levels of purity and the expertise and tools required to craft it into jewelry.
A gold card is a special type of credit card that gives you extra benefits such as a higher spending limit. 'gold card'
The American Express Gold Card is one of the premier cards for dining rewards, and the best for dining in Amex's elite card portfolio. Its high rewards rate, valuable benefits and up to $340 in total annual credits toward eligible dining, Uber and hotel purchases make the annual fee well worth it.