Chip Lupo, Credit Card Writer
@CLoop
Millionaires use credit cards like the Centurion® Card from American Express (Amex Black Card) and the J.P. Morgan Reserve Credit Card. Both cards require an invitation to apply, and millionaires have the best chance of getting these high-end credit cards.
Credit Cards That Millionaires Use
- Centurion® Card from American Express
- J.P. Morgan Reserve Credit Card
- Chase Sapphire Reserve®
- Dubai First Royale Mastercard
Some millionaires choose premium travel rewards cards such as American Express Platinum Card® and Chase Sapphire Reserve when invite-only cards aren’t a good option. People with good/excellent credit who are approved for either card can expect generous rewards on purchases and other perks that will more than offset their hefty annual fees. The Platinum Card® charges $895 a year to own, and Chase Sapphire Reserve likewise carries a big price tag with its $795 annual fee.
Business Credit Cards for Millionaires
Millionaire business owners may also get good use from a business card such as The Business Platinum Card® from American Express, a top choice for frequent travelers who don’t mind shelling out $895 a year for all the high-end perks the card offers. The Ink Business Preferred® Credit Card 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.
Most Exclusive Credit Cards from Our Partners
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Airport Lounge Access
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Business Rewards
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Best Rewards
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Visa Infinite Concierge
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 are the best credit cards for rich people?
One of the best credit cards for rich people is the Centurion® Card from American Express. This card is extremely exclusive, as it’s 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, and your income, among other factors.
Here are some of the best credit cards for rich people:
... read full answer by William Memphis, WalletHub Credit Card AnalystWhat is a black credit card?
A black credit card is an exclusive, invitation-only card issued by American Express. The so-called Amex black card is more formally known as the Centurion® Card from American Express, and it has become a status symbol in pop culture.
Centurion® Card from American Express Details
- Approval requirements: Amex does not disclose income requirements for the Centurion® Card from American Express, but online reports say you have to spend a certain amount per year on an Amex card to merit consideration for an invitation. Plus,...
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