Maria Adams, Credit Cards Moderator
@m_adams
The Centurion® Card from American Express is considered the most luxurious card in the world because it requires an invitation to apply and is very prestigious to own. More commonly known as the "Amex Black Card," Centurion requires an annual income of at least $1 million just to qualify for an invitation.
It’s worth noting, though, that there are plenty of other luxurious credit cards that are attainable if you have excellent credit and make a lot of money.
Some of the Most Luxurious Cards in the World
- Overall: Centurion® Card from American ExpressLearn MoreLearn More
- Overall: Centurion® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Overall: Centurion® Card from American ExpressLearn MoreLearn More
- No Annual Fee: X1 Credit CardLearn MoreLearn More
- No Annual Fee: X1 Credit CardLearn MoreLearn Moreon issuer's website
- No Annual Fee: X1 Credit CardLearn MoreLearn More
- Rates & Fees Terms ApplyAirport Lounge Access: American Express Platinum Card®Learn MoreLearn Moreon issuer's website
- Rates & Fees Terms ApplyAirport Lounge Access: American Express Platinum Card®Learn MoreLearn Moreon issuer's website
- Airport Lounge Access: American Express Platinum Card®Learn MoreLearn More
- Rates & Fees High Rewards Rate: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees High Rewards Rate: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- High Rewards Rate: Capital One Venture X Rewards Credit CardLearn MoreLearn More
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You can also check out our editors’ latest picks for the most exclusive credit cards on the market to weigh your options.
Ultimately, keep in mind that when you’re comparing luxurious credit cards, the devil is in the details. You need to make sure the rewards and benefits that you get far outweigh the cost.
Popular Credit Cards from Our Partners
People also ask
What is the most prestigious credit card?
The most prestigious card is the Centurion® Card from American Express, which is also known as the Amex Black Card. You must meet very high income and spending standards to even qualify for this card, and you can only apply if you receive an invitation.
Most Prestigious Cards in 2025
- Centurion® Card from American Express: Most Prestigious Overall
- American Express Platinum Card®: Airport Lounge Access
- Chase Sapphire Reserve®: Visa Infinite Concierge
- Capital One Venture X Rewards Credit Card (see details, rates & fees): Generous Rewards
If you're looking for a prestigious...
read full answer by Christie Matherne, Credit Card WriterWhat credit card do billionaires use?
Billionaires are most likely to use the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals. Some of the rich and famous people rumored to have the card include Jerry Seinfeld and Halle Berry.
Billionaire Credit Cards: Top Cards for the Rich & Famous
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Most billionaires aren’t really in the habit of telling people what credit cards they have. Some billionaires like...
read full answer by Ryan P Page, Staff WriterWhich is the most expensive credit card?
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 ModeratorDid we answer your question?
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