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Many people consider premium travel rewards cards to be the most luxurious and hardest to get credit cards available. You may or may not be surprised to learn that banks offer the best exclusive credit cards to their wealthiest and most loyal customers on an invite-only basis.
If you have a high net worth or like to travel frequently international with credit cards, you might see if you can qualify for one of these exclusive credit cards or one of the best metal credit cards. Although the annual fees can be high, the most exclusive credit card benefits can easily be worth thousands of dollars more if you use the card on a regular basis.
What are the most exclusive credit cards?
Centurion Card from American Express
If you thought the Platinum Card from American Express “has it all,” check out the Centurion Card. You might qualify for this most exclusive credit card if you have been an AmEx cardholder for at least one year, spend at least $350,000 annually, have a high net worth, and meet American Express’ other criteria.
Expect a $7,500 initiation fee and a $2,500 annual fee. Some of the exclusive travel benefits include Delta Airlines Platinum Medallion status and elite hotel, rental car, and entertainment benefits. You may also have more valuable point redemption options including a 50% travel redemption bonus when booking award flights using Amex Travel.
J.P. Morgan Chase Reserve
Previously known as the Chase Palladium, the J.P. Morgan Chase Reserve is an invite-only product only offered to Chase private banking clients with at least $10 million of assets under management. Chase still makes this metal credit card out of palladium.
This card is very similar to the Chase Sapphire Reserve perks regarding purchase rewards and travel benefits, although it has a higher annual fee of $595. The Sapphire Reserve has a $550 annual fee. One benefit the JP Morgan Chase Reserve offers is United Club lounge membership.
Like the Sapphire Reserve, you will earn 3x Chase Ultimate Rewards points on travel and dining purchases. You can get a 50% travel redemption bonus booking award travel through Chase. Plus, you have access to the 1:1 point transfer partners like Southwest Airlines, United, Aer Lingus, and Singapore Airlines.
The Luxury Card
Most premium travel cards are either issued by American Express or Visa. Mastercard has partnered with Barclays to offer the Luxury Card. Of the three-card versions–Gold, Black, and Titanium–the Mastercard Gold Card is the most luxurious of these most exclusive credit cards.
Although it has a $995 annual fee, Mastercard accepts applications and doesn’t issue on an invite-only basis. The Gold Card gets its name from the 24k gold plating.
You earn 1 point per $1 spent which is lower than most premium cards. But, you get a 2% redemption bonus for cash and travel rewards which values each point at 2 cents each. When it comes to travel redemption bonuses, the Chase Sapphire Reserve is the next best by valuing each point at 1.5 cents each thanks to the 50% travel redemption bonus.
Gold Cardmembers get a $200 annual travel credit, Global Entry application fee credit, Priority Pass Select membership, and (according to Mastercard) on-property hotel benefits that average $500 per stay.
Dubai First Royale Card
How many credit cards do you know of (or may even own) that contain real gold and diamonds?
The Dubai First Royale Card has a real gold trim and a .235 carat diamond in the center. This card is only available to the super-wealthy who are lucky to receive an invitation. As expected, there isn’t a preset spending limit. Cardholders are assigned a dedicated relationship manager who can manage your lifestyle requests.
Coutts Silk Card
Rumor has it that the Queen of England carries the Coutts Silk Card. If you are a high net worth client of Coutts Private Banking, you can enjoy this premium card that has elite benefits and also happens to be a no annual fee credit card.
Some of the benefits of this most exclusive credit card include LoungeKey airport lounge access, private shopping sessions, and 24/7 concierge service.
Stratus Rewards Visa
More widely known as “The White Card,” the Stratus Rewards Visa is a very exclusive card founded in 1999. You must either receive an invitation from an existing member or merchant partner to join. Very little public information is known about it except the annual fee is $1,500.
Like other invitation-only credit cards, the White Visa has a full-service concierge service. It will try to fulfill your various travel, dining, and entertainment wishes.
Other Premium Credit Cards to Consider
What if you can’t get your hands on these most exclusive credit cards yet? You still have plenty of options if you’re willing to plunk down $450 to $550 for an annual fee. Like the ultra-exclusive cards with a $1,000+ annual fee, the rewards and benefits can be far more valuable.
Although these cards won’t be encased with gold or diamonds, they still come with plenty of benefits and are some of the best credit cards for miles available.
Summary of the Most Exclusive Credit Cards
The most exclusive credit cards can offer some of the best travel and retail benefits available. Although you might only be able to join through invitation, some of the best travel rewards credit cards accept applications all year.
Chase Sapphire Preferred® Card
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 60,000 points are worth $750 toward travel
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on orders over $12 for a minimum of one year on qualifying food purchases with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.