“The most exclusive credit cards of millionaires”

Just like the rest of us, millionaires want perks.
We millionaires just want the best of the best. We focus on quality over quantity. We also don’t mind paying for service, because we appreciate the finest experiences life has to offer.

Of course, not every millionaire owns this ultra-exclusive credit card. For example, Warren Buffet. Remember when he opened his wallet to show $400 in cash and an American Express credit card? He’s worth $89 billion and could easily own at least one Amex Black Card. Instead, he carried a classic green Amex card. Wow!

At the top of the millionaire credit card list is the American Express Centurion Card, also known as the Amex Black Card, which is invitation-only.

To be invited, you must have spent and paid at least $250,000 on your Amex accounts in a single year.

To join this exclusive Centurion cardholder club, you must pay a $7,500 initiation fee. And the card itself comes with an annual fee of $2,500.

The card has no preset spending limit and provides access to a personal concierge who can handle any request you can imagine. It also offers luxury perks that Amex proudly advertises: exclusive treatment at the best Centurion airport lounges, first-class surprise gifts, reservations at 1,000 of the world’s finest restaurants, and a suite of luxury travel benefits.

Next on the list is the JP MORGAN CARD.

The JP Morgan Reserve Card, also known as the Palladium (a silvery-white chemical element valued at $1,295 per ounce, rivaling gold’s cost), is an invitation-only Visa credit card issued by JPMorgan Chase. It was formerly known as the JP Morgan Palladium Card until it was formally rebranded. The laser-engraved card is made of brass and coated with palladium.

It is offered by invitation only to top JP Morgan clients, who must have at least $10 million in assets under management with JP Morgan Private Bank.

For a $595 annual fee, this card offers unlimited access to select airport lounges, a credit for your Global Entry or TSA PreCheck application, triple points on travel and dining, a $300 annual travel credit, and a suite of premium travel protections.

You’ll have 24/7 direct access to a dedicated customer service specialist. Plus, you can shop extravagantly with peace of mind, as purchases are covered for 120 days against theft or damage up to $10,000 per claim.

The Dubai First Royale Mastercard is third on this list.

The Dubai First Royale MasterCard is probably the most exclusive credit card in the world. As expected, it is invitation-only, with no preset spending limit—and the craziest part is you may still be ineligible even if you’re very wealthy.

It features a 0.235-carat diamond in the center and is decorated with gold. This elaborate card is Dubai First’s exclusive offering for United Arab Emirates royalty and ultra-high-net-worth individuals in the region.

As for perks, there’s really no published list. That would imply limitations. The card provides you with a relationship manager who offers “real lifestyle management.” Cardholders can ask for anything, and their personal manager will try to make it happen, 24/7. Rumor has it the Royale MasterCard has no credit limit or restrictions. You can literally swipe for anything. Yacht, mansion, you name it.

The focus now turns to the Sberbank Visa Infinite Gold Card.

As if pure gold weren’t enough, Kazakhstan’s Sberbank offers a bank card made of solid gold, studded with 26 diamonds and mother of pearl.

Initially issued to just 100 of its top clients, this Visa Infinite costs $100,000 upfront. Of that, $65,000 goes into minting the card. The other $35,000 is deposited into your account. The card also carries a $2,000 annual fee.

If you receive the card, you’ll have the pleasure of owning a solid-gold status symbol. Enjoy $250,000 in life and health insurance, 24/7 concierge service, and a personal manager at Sberbank. Gain VIP access to luxury holidays and the world’s finest golf courses. And if you forget to pay your bill while traveling the globe, no worries—the card has no late fees.

Fifth and last on this list is the Merrill Lynch Octave Black Card.

Made of black metal and featuring the American Express logo, the Merrill Lynch Octave Black Card is an invitation-only card catering to the bank’s highest-net-worth clients. To qualify, you must have at least $10 million in a Merrill Lynch account.

Cardholders pay $950 in annual fees and reportedly enjoy benefits such as no preset spending limit, 2.5x points on all eligible purchases, a $350 annual travel credit or Delta SkyClub Executive membership, private jet discounts, and airport concierge access.

As I said, not every millionaire owns this ultra-exclusive credit card.