Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion. And only the super rich and famous can expect to get the call, as it’s rumored that you must charge at least $1 million per year to an American Express credit card to even qualify. Its reported benefits include a 24/7 concierge capable of doing anything and everything from planning an entire wedding to getting Drake to perform at your child’s bar mitzvah – seriously.

That being said, it is important to note that the Mastercard® Black Card is not THE Black Card. It’s merely an expensive poser – $495 annual fee.