The most prestigious American Express card is the Centurion® Card from American Express. You need an invitation to get it, unfortunately. You can also request a Centurion® Card from American Express invitation online. While Amex doesn’t disclose the requirements, online reports say you have to spend at least $100,000 a year on an Amex card to merit consideration. The Centurion® Card from American Express also has a $10,000 initiation fee and a $5000 annual fee. Cardholders get access to Centurion Lounges, hotel benefits, a personal concierge, and more. They also earn 1 point per $1 spent on all purchases.
The Platinum Card® from American Express is also among the most prestigious American Express cards. It offers new cardholders 100,000 points for spending $6,000 in the first 6 months. And it makes for a great travel companion that earns 5 points per $1 on flights booked with airlines or with American Express Travel (up to $500,000 spent per year), 5 points per $1 spent on prepaid hotels booked through Amex, and 1 point per $1 on all other purchases. Among its many perks, it also offers concierge service and access to a host of worldwide airport lounges. And it charges a $695 annual fee, which makes it significantly more affordable than the Centurion® Card from American Express.
Keep in mind that the best American Express cards aren’t necessarily the most prestigious ones. Amex has a range of offerings with rewards for various spending habits. If exclusivity isn’t a top priority, it’s best to pick a card that best fits your needs.
It's generally harder to get an American Express card than it is to get a credit card from many other major issuers simply because all of Amex's credit card offers require good or excellent credit for approval. But American Express isn't the only credit card company to target people in the highest tiers of the credit score scale. Barclaycard and Chase do too, for example. And if you're fortunate enough to have good credit or better, an American Express credit card will be no harder to get than any other credit card.… read full answer
The easiest American Express cards to get are those that require a minimum of good credit for approval, as opposed to excellent credit only. You may also want to target cards that are co-branded with companies such as Delta and Hilton as well as offers with lower annual fees. Co-branded cards often have relatively high approval rates to accommodate more fans of the brand (e.g. Hilton) in question. And some of Amex's premium cards for big-spenders, which can be relatively difficult to get, have high fees.
Of course, American Express also evaluates each applicant's income and debt obligations to make sure they can afford monthly bill payments on a new line of credit. But there isn't much information available about Amex's standards in those regards, and you shouldn't expect them to differ too much from other credit card companies' policies.
When invite-only cards aren’t a good option, some millionaires choose premium travel rewards cards such as American Express Platinum card and Chase Sapphire Reserve. People with good-to-excellent credit who are approved for either card can expect lucrative bonuses, generous rewards on purchases, and other perks that will more than offset their hefty annual fees. American Express Platinum card charges $695 a year to own, and the Chase Sapphire Reserve likewise carries a big price tag with its $550 annual fee.
Millionaire business owners may also get good use from a business credit card such as American Express Business Platinum card, a top choice for frequent travelers who don’t mind shelling out $695 a year for all the high-end perks the card offers. Chase Ink Preferred is another attractive option for business owners with seven-figure incomes, as the card offers stellar rewards on business-related purchases and a significantly lower annual fee ($95) than American Express Business Platinum card.
The highest end card is The Platinum Card® from American Express because it has a wide array of high-end benefits, including airport lounge access and yearly credits of up to $200 for fees on a pre-selected airline, up to $200 for Uber, up to $200 hotel credits (requires a minimum two-night stay), and up to $100 for Saks Fifth Avenue, when enrolled. American Express Platinum card also has a high-end annual fee, at $695. And it’s only available to people with good credit or better.… read full answer
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.
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