What is the highest end credit card?

Question

The most expensive card is the Centurion® Card from American Express (also called the Amex “Black Card”), because it has an initiation fee of up to $10,000 and a $5,000 annual fee. You have to be invited to even apply for this card and you have to spend (and pay off) hundreds of thousands of dollars annually on Amex cards to get an invitation.

Some credit cards with high annual fees have extra rewards or travel perks, so they...

read full answer by Maria Adams, Credit Cards Moderator

Answer 1 · 2025-11-12 12:38:20

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Adam McCann, Financial Writer

@adam_mcan • 11/12/25

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The highest-end card is the American Express Platinum Card®. It has a wide array of high-end benefits, including airport lounge access and yearly credits for things like fees on a pre-selected airline, Uber charges, hotel stays, and Saks Fifth Avenue purchases (benefits require enrollment). The Platinum Card® also has a high-end annual fee, at $895, and it’s only available to people with good credit or better.

5 Highest-End Cards Right Now

American Express Platinum Card®: Overall
Capital One Venture X Rewards Credit Card: Lounge Access
Chase Sapphire Reserve®: Elite Travel Rewards
Centurion® Card from American Express: Black Card
The Business Platinum Card® from American Express: Business

What is a High-end Credit Card?

To be clear, the best high-end credit cards aren't necessarily the most exclusive credit cards. Being hard to get does not automatically make a card one of the highest-end options. But a stellar credit profile still is required to be in the running for the highest-end credit cards.

The difference is that qualified applicants who get approved for one of the highest-end credit cards will find themselves with credit limits, benefits, and rewards that are far superior to what's available from a regular, everyday credit card. In other words, the highest-end credit cards are at the intersection of the best credit card offers on the market and the most prestigious options.

This answer was last updated on 11/12/25 and it was first published on 02/25/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Answer 2 · 2025-05-08 17:16:55

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William NN, Member

@w_nguyen • 05/08/25

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If you have to ask what the highest-end credit card is, you’re not ready for it. The Centurion Card (Amex Black) is the undisputed king, but it’s probably not in the realm of possibility for you. If you’re still comparing annual fees, stick to Amex Platinum.

This answer was first published on 05/08/25. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Answer 3 · 2025-09-25 17:16:27

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MM Turner, Member

@matt_t_official • 09/25/25

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Forget "highest end." The best card is the one that pays you the most.

This answer was first published on 09/25/25. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Answer 4 · 2025-04-29 17:51:44

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Benjamin Evans, Member

@ben_evans_art • 04/29/25

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Let’s tier this:

Ultra-Exclusive: Amex Centurion (invite-only)
Wealth-Gated: Goldman Sachs Amex Platinum ($10M+ assets needed)
Premium Mainstream: Chase Sapphire Reserve

Aside from CSR, these cards might as well not exist for most of us. We’ve got no shot, and they wouldn’t save us the most money anyway.

This answer was first published on 04/29/25. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Answer 5 · 2025-06-09 16:24:08

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Amelia Scott, Member

@ameliascott • 06/09/25

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Why even talk about cards you’re never going to get? As far as realistic cards go, Amex Platinum is definitely up there.

This answer was first published on 06/09/25. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Kevin Richardson @krich_business

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True. In my book, the highest end card is whichever saves me the most.

Answer 6 · 2025-06-20

Kevin Richardson @krich_business

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True. In my book, the highest end card is whichever saves me the most.

What is the highest end credit card?

Adam McCann, Financial Writer

5 Highest-End Cards Right Now

What is a High-end Credit Card?

Centurion® Card from American Express

Centurion® Card from American Express

Most Exclusive Credit Cards from Our Partners

Airport Lounge Access

Business Rewards

Best Rewards

Visa Infinite Concierge

William NN, Member

MM Turner, Member

Benjamin Evans, Member

Amelia Scott, Member

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