The Centurion® Card from American Express is an extremely exclusive card available only through invitation to high-income, high-spending Amex clients. This card has no preset spending limit, which means that the amount you can spend can change each month based on how much you choose to spend, your credit, your income and more.
But it’s hard to narrow it down to a single card when the decision depends on how much you spend, how much you’re willing to pay in fees, and what perks you value most.
Here are some of the best credit cards for rich people:
The best credit card for high spenders will ultimately depend on the spender in question. You can check out our editors’ latest picks for the most exclusive credit cards on the market to weigh your options.
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.
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