Chip Lupo, Credit Card Writer
@CLoop
The Centurion® Card from American Express is one of the world's most elite cards because it requires an invitation to apply and is very prestigious to own. You reportedly need to earn at least $1 million per year and spend at least $350,000 annually on Amex cards just to be eligible. On top of that, there’s a $10,000 initiation fee for those who are approved, and the annual fee is a whopping $5,000.
Also known as the "Amex Black Card," the Centurion® Card from American Express and similar invitation-only cards are far too elite for most credit card users. However, there are plenty of other elite-caliber cards with high odds of approval if you have excellent credit and a high income.
Elite Cards to Consider in 2025
- Most Elite: Centurion® Card from American ExpressLearn MoreLearn More
- Most Elite: Centurion® Card from American ExpressLearn MoreLearn Moreon issuer's website
- Most Elite: Centurion® Card from American ExpressLearn 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 Terms ApplyBusiness: The Business Platinum Card® from American ExpressLearn MoreLearn Moreon issuer's website
- Rates & Fees Business: The Business Platinum Card® from American ExpressLearn MoreLearn Moreon issuer's website
- Business: The Business Platinum Card® from American ExpressLearn MoreLearn More
- Rates & Fees Travel Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Travel Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
- Travel Rewards: Capital One Venture X Rewards Credit CardLearn MoreLearn More
- Rates & Fees Terms ApplyHotel Perks: Marriott Bonvoy Brilliant® American Express® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Terms ApplyHotel Perks: Marriott Bonvoy Brilliant® American Express® CardLearn MoreLearn Moreon issuer's website
- Hotel Perks: Marriott Bonvoy Brilliant® American Express® CardLearn MoreLearn More
- Rates & Fees Concierge Service: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Rates & Fees Concierge Service: Chase Sapphire Reserve®Learn MoreLearn Moreon issuer's website
- Concierge Service: Chase Sapphire Reserve®Learn MoreLearn More
- Most Elite:
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To see if you have the credit to qualify for an elite credit card, sign up for a free WalletHub account. You’ll have access to free credit scores and free credit reports, both updated daily.
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People also ask
What 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 WriterIs there anything higher than a black card?
No, there aren’t any credit cards higher than the “Amex Black Card”. Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.
Why There Are No Cards Higher Than the Black Card
- An invitation is required just to apply for the Amex Black Card, and you’ll reportedly have to meet very strict requirements in order to receive an invitation.
- You...
What is higher than a platinum credit card?
There is no definitive answer to what is higher than a platinum credit card, since there is no universal standard among credit card companies for what a platinum card should offer when compared to other cards. Platinum cards are available for people of all levels of creditworthiness, and only some of them come with worthwhile benefits.
For example, American Express Platinum Card® is considered to be one of the most exclusive cards in the world. The card is available...
read full answer by John Miller, Credit Cards ModeratorDid we answer your question?
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