The Top 10 Most Exclusive Black Cards You Don’t Know About

From a Visa black card to the Amex Centurion card, see the world’s most exclusive credit cards.

When you’re living the luxury lifestyle, you’ll have access to a wealth of perks and VIP travel benefits as a cardholder of some of the world’s most exclusive credit cards. However, a luxury card made of stainless steel or a gold card with 24 karat gold-plating might not be enough to demonstrate your wealth — today’s elite carry black credit cards that are reserved only for a select few.

What is a black card? Black cards from Visa, MasterCard, and Amex cards are exclusive, high- or no-limit credit cards that are usually only available on an invitation-only basis to wealthy customers. Many of today’s prestigious credit cards offer unlimited credit card rewards programs, generous cashback incentives and other benefits like VIP access to private jets and more.

Whether you’re a multi-millionaire looking for your next credit card or you’re just curious about credit card perks and luxuries the wealthy indulge in, here are the top 10 most exclusive black cards you don’t know about and seven other elite credit cards you might be able to get your hands on.

How to Get a Black Card

If you’re wealthy enough and have a high-status lifestyle, your bank will reach out to invite you to get a black card and become an exclusive member soon enough. You won’t know if you qualify for a black card until you’ve been invited by the bank or credit card issuer to apply for one of the elite black credit cards. You’ll likely need to be an existing client of the bank with high credit card usage, good payment history, high income and other qualities that demonstrate you’re worthy of this exclusive privilege.

Because most of the requirements of those invited to become cardholders remain elusive, it’s hard for outsiders to know exactly who can or how to qualify for an invitation to apply for these black cards — there’s no single, definitive answer as to how to get a black card. In the meantime, focus on building your wealth and keep using your current credit cards to keep them in good standing.

Top 10 Most Exclusive Black Cards

If you want this symbol of status and wealth, aim for the best of the best, which also happen to be the hardest black cards to get. Here are the top 10 most exclusive black cards:

1. Dubai First Royale MasterCard

Black-card
©GOBankingRates

Created to meet the needs of a royal lifestyle, the Dubai First Royale MasterCard offers its clients exclusive luxuries including no-limit spending, a dedicated relationship manager and an exclusive offering of “Royale Lifestyle Management.” Only the elite few who are extended an invitation to this diamond-embedded black card are truly in the know, as no qualification details are available to outsiders.

Related: 6 Secrets of the Super Wealthy

2. Dubai First Amazing World Card

Mastercard
©Mastercard

Designed for frequent visitors of Dubai Parks and Resorts, this prestigious travel card provides a complimentary annual pass with unlimited access to one park, savings on tickets, complimentary airport lounge access, and other travel benefits to make park visits more memorable. The card has an annual fee of AED 1,500 — which is about $408 USD — and applications can be submitted online with proof of income.

3. Eurasian Diamond Card Visa Infinite

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©GOBankingRates

Featuring a diamond and gold ornament, the Eurasian Diamond Card Visa Infinite is a sign of wealth and elegance through and through. This Visa black card cannot be bought, according to the Eurasian Diamond Club site. The black card Visa requirement for this exclusive card is a personal recommendation from either the Eurasian Bank’s Management Board or from two current Eurasian Diamond cardholders. Elite cardholders enjoy spending as much as they want with this no-limit black visa card.

4. American Express Centurion Card

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©GOBankingRates

One of the most highly regarded of the elite black cards, the Amex Centurion Card requires a $7,500 initiation fee plus an annual membership fee of $2,500. According to an American Express representative, American Express Platinum Cardholders might be invited to the Centurion Card Membership, but the representative was unable to confirm the Amex black card limit for spending or any other members-only details. This American Express black card is offered by both American Express Centurion Bank and American Express Bank, FSB.

Here are the Best Credit Cards for Big Spenders

5. Luxury Card: MasterCard Black Card

Amex-black-card
©GOBankingRates

The exclusive black card from MasterCard is made from stainless steel and carbon and has a patented design. The annual fee is $495, which affords Luxury Card MasterCard Black Card members special perks like a luxe concierge service and gifts from renowned luxury brands. Perhaps most appealing is cardholders’ eligibility for MasterCard Priceless, a service offering curated, invitation-only experiences the company described as once-in-a-lifetime.

6. World Elite MasterCard

Black-card-front
©GOBankingRates

Ideal for a world traveler, the World Elite MasterCard provides exclusive worldwide travel privileges for its cardholders. From VIP status at thousands of hotels and access to luxury resorts, to complimentary upgrades on hotel rooms and flights, this black card offers clients a host of special benefits and even an on-call, personal travel adviser. Concierge services are available 24/7 to help clients get a hold of elusive items or coveted dinner reservations, among other tasks. You must call the company for an application or be invited to apply.

7. Citi Ultima MasterCard

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©GOBankingRates

Available only to select customers, the Citi Ultima MasterCard gives cardholders special status. Customers with this black card MasterCard get help from the concierge whenever they need it, no matter where in the world they might be at the time. The black card credit limit goes up to about 1,500,000 RUB — about $26,000 USD — and the annual fee is approximately15,000 RUB, which is about $260 USD. Cardholders also enjoy Priority Pass membership, which offers access to airport lounges in more than 100 countries.

8. Citi AAdvantage Executive World Elite MasterCard

Credit-card
©Mastercard

Maximize the benefits of an Admirals Club membership as a frequent flyer of American Airlines with this prestigious card. You’ll earn 50,000 American Airlines AAdvantage bonus miles after making $5,000 in purchases within the first three months of opening your account. You’ll also enjoy premium travel perks with this black MasterCard, including a VIP experience at the airport, access to the Admirals Club lounge and rewards for every dollar spent.

See: 9 Things Wealthy People Do Every Day

9. Citi Prestige Card

Citi-card
©GOBankingRates

Designed for active travelers, the Citi Prestige Card allows you to earn ThankYou Points for every dollar you spend and to take advantage of travel benefits, including an annual $250 air travel credit to cover flight-related expenses, a complimentary fourth-night stay at your hotel of choice when booking through the Citi Prestige Concierge program, and complimentary access to VIP lounges through Priority Pass Select. The annual fee is $450 for the primary cardholder.

10. Ritz-Carlton Rewards Credit Card

Dubai-visa
©GOBankingRates

Provided by Chase, this black credit card is ideal for loyal Ritz-Carlton guests who want to earn rewards for stays at Ritz-Carlton and SPG hotels or enjoy an upgraded stay at the Ritz-Carlton Club. Cardholders of this Chase black card pay a $450 annual fee to enjoy cardholder benefits, including two complimentary nights at a participating Ritz-Carlton hotels after spending $4,000 within the first three months of opening the account, earning five points for every dollar spent at participating properties, and a $300 annual travel credit.

Find Out: 20 Hobbies Only the Rich Can Afford

Other Black Cards

The following black cards are still available or are currently in use but don’t compare to the top ten cards in terms of perks, black card requirements, and flexibility.

Coutts World Silk Card

Master-card
©GOBankingRates

Available exclusively to Coutts clients, the Coutts World Silk Card features custom-tailored services and a high monthly credit spending limit that’s determined based on the company’s credit assessment of you. The Coutts concierge service takes care of everything from flights, entertainment event tickets, hotel accommodations, car transportation and custom requests — including performances from famous singers for birthday parties and even a chess match with a grand master. Clients also enjoy luxury gifts from Coutts and never pay an annual fee.

Visa Signature Card

Us-visa
©GOBankingRates

Perhaps once the most exclusive of Visa cards, the Visa Signature Card is now more widely available. This black card by Visa features access to everyday benefits as well as special sporting events and concert tickets and fine food and wine events. Customers also enjoy round-the-clock concierge services for free. Several different versions of the Visa Signature credit cards are now offered by partners like USAA, Bank of America and Nordstrom.

Black Brazilian MasterCard From the Santander Group

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©GOBankingRates

The Santander Group in Brazil offers the Santander Unlimited Card, which is only issued to its private banking clients with a certain undisclosed amount of funds in their accounts. Perks of the Unlimited credit card include a flexible spending limit to suit a client’s unique spending and payment style, Priority Pass membership to allow access to VIP airport lounges around the world, and travel insurance up to $1 million. The dedicated concierge service offers help with everything from booking restaurant reservations, tickets to shows, and even having a driver pick up children at school.

Merrill Lynch Octave Black Card

Black-amex
©GOBankingRates

If you hold enough assets — reportedly $10 million minimum — as one of Merrill Lynch’s highest-net-worth clients, you might be invited to the super-exclusive Merrill Lynch Octave Black Card. With its annual fee of $950, cardholders begin getting a return on what might be their most expensive credit card investment once they gain plus-level status by spending at least $50,000 per year. The higher level status provides $350 in travel fees, including upgrade fees and flight cancellation fees. Cardholders enjoy spending with no limits.

The Black Chairman Card From Citigroup

Citicard
©GOBankingRates

The Citigroup Chairman MasterCard is exclusively for elite cardholders who get access to the usual perks such as trip delay protection, lost baggage protection and other various travel accommodations. Customers even get ticket protection for up to $500 per ticket for missed events such as concerts and sports games.

See: 20 Life Hacks That Increase Your Wealth

The Merrill Accolades American Express

amex-black
©GOBankingRates

The Merrill Accolades American Express, also known as the Black Bull Card from Merrill Lynch or the Bank of America Accolades Card, is no longer available to new cardholders. The card provides existing cardholders with special offers on first and business class international airfares, luxury hotel bookings, and cruises, according to The Points Guy, a travel advice site. Customers also enjoy Priority Pass membership for making travel more convenient. Private client members of Bank of America Merrill Lynch with more than $200,000 in assets in their private wealth management unit were eligible to have the $295 annual fee waived, according to The Points Guy.

The NatWest Reward Black Credit Card

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©GOBankingRates

The NatWest Reward Black MasterCard was previously considered an exclusive black card but is now more widely available. To qualify for the Reward Black credit card, you must be a mainland U.K. resident, at least 18 years of age, and earn at least £15,000 per year, about $19,507 USD. The annual fee of £84 is refunded if you have a Reward Black credit card account. To qualify for this type of account with your MasterCard black card, you must meet at least one of the following conditions: Have an annual income of at least £100,000, about $139,050 USD and put it in your NatWest Reward Black account; have a NatWest mortgage of at least £300,000, about $390,150 USD; or have at least £100,000, about $130,050 USD, of NatWest savings and investments.

See: The Most Expensive Zip Code in Every State

Sabah Karimi and Laira Martin contributed to the reporting for this article.

Methodology: GOBankingRates.com identified the top black cards by analyzing VIP perks and rewards, exclusivity, card materials, fees and other factors. All fees and rates are subject to change at the credit card issuers’ discretion. Some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.

Disclaimer: This content is not provided or commissioned by the bank advertiser. Opinions expressed here are author’s alone, not those of the bank advertiser, and have not been reviewed, approved or otherwise endorsed by the bank advertiser. This site may be compensated through the bank advertiser Affiliate Program.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone and have not been reviewed, approved or otherwise endorsed by American Express.

  • Endre Vasvari

    It is really amazing!!!
    Has that Kazakhstan diamond card gets free lunch in Diamond Jim’s Club at Tropicana hotels in the US?
    Because my diamond card by Tropicana does.

  • John E. Wurl

    Gee, which one do I choose, which one do I choose?

  • Anonymous

    I THOUGHT THE ECONOMY WAS SUPPOSED TO BE SOOOO BAD! THE RICH GET RICHER AND THE POOR BASTURDS GET POORER.

  • Al Walsh

    When will my diamond encrusted nlack card arrive from bank of nigeris

  • Don’t worry life is short! The black card and your 100 million dollar winning lottery ticket will arrive the day after you die. Oh but sorry, it cant be left to survivors. You are not that lucky or you would already be rich! That’s o.k. you couldn’t take it with you anyway.
    Que sera, sera what will be will be! As Doris Day used to sing for us. We will sort it all out when we get to the other side at that great reunion in the sky!

  • Wang

    These cards are for people who can’t feel good about themselves unless they have something their neighbors don’t have or they don’t stand out in any way so they have to have a card do their talking..

  • I own one of every card listed..I shit gold!

    • zac gokcek

      are u even a legal alien? “Hernandez” ? Amex black card? keep telling your self that dude,, lol

      • Maggie

        You don’t have to be a dick, DUDE. That’s like telling Jennifer LOPEZ, or Alex RODRIGUEZ, or Selena GOMEZ, that because they have Latino blood they should have never been allowed access to riches.
        If you want to be a racist cock that’s fine, keep it to yourself, there are people in this world who are not interested in the ignorance you have displayed.
        Now run along and do something productive.
        -Maggie RODRIGUEZ

    • Irphan

      Shitting gold must be PAINFUL 🙁 My sympathies.

  • Eddie K

    Damn! Forget the cards, I’d rather have some of Luis’ golden shit, it’s probably worth more!!

  • Mohammed Iqbal

    I’ll be honest with all who read this, I have a Amex Centurion Card and Im based in London but truly It’s not something to be proud of or to flash around, I am sat here thinking why would I need one when I have a shit-hot credit rating, My net worth…well lets say it enough and I have my own lovely and dependable PA, One thing I have been impressed with the service was when I had to order a watch for my wife but I could not choose so I accessed my personal shopper via email and she helped me out within the hour with different products also outlining other potential gifts to go with the watch but otherwise that is the only time I have used the features. Its not Elite status Its plastic money, like I say to my employees unless I see it (cash) don’t talk

    • bobby

      right lol

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  • Meridien LaConfabulis

    Holy Crap! I’ve got each one of these, I’m richer than God, and I own the Moon. I am in the top .001% of the American population. As a matter of fact, I think I actually own the world.Bwahahaha!

    • SillySam

      Obama…..is that you??

    • QUEENDIVAMOMOF7

      SORRY, ID HATE TO BREAK IT TO U. BUT U R NOT RICHER THAN GOD. U DO NOT HAVE INFINITE POWER AND WISDOM. U R NOT ALL KNOWING. U R NOT EVERYWHERE AT ALL TIMES. U R NOT ALL SEEING. U R NOT ETERNAL NOR IMMORTAL. U CANNOT FILL PEOPLE WITH THE HOLY SPIRIT. GOD IS RICHER THAN U AND ALWAYS WILL BE. HE CREATED EVERYTHING IN US, ON US, AND AROUND US. PLUS, HE RULES THE WHOLE UNIVERSE. HE HAS ALL THE GLORY POWER AND RICHES OF HEAVEN. NO ONE WILL EVER BE RICHER THAN GOD. FACE IT, THE LITTLE RICHES U HAVE COULD NEVER COMPARE OR BE GREATER THAN THE RICHES OF GOD. FURTHERMORE, U DO NOT OWN THE MOON. U R NOT RICHER THAN GOD. U DEFINITELY DO NOT OWN THE WORLD. GOD DOES. HE CREATED THE HEAVENS AND THE EARTH. HE IS KING OF KINGS AND LORD OF LORDS. NICE TRY. BUT UR WISHFUL THINKING OF OWNING THE WORLD IS ONE WISH THAT WILL NEVER COME TRUE. BWAHAHAHAHA.

      • master of nothing

        I’ll show you god bitch…

      • Bahaha

        Your God is a fake.

        • Frank McKeown

          So is your arrogance and lack of humility towards others!

      • Abes

        Really, he was being sarcastic
        Don’t act like an idiot

      • Abudabhai

        He teaches crazy black women how not to read or spell properly. Hasa Dega Egowaii

        • barneysbabe556

          Where the heck did that come from? SMH

    • David

      Chase waived the annual fee for my chase sapphire preferred card for the first year. One great thing with this card is that I get a real live person on the first ring when I call customer service! No phone menu maze!

      • Maggie

        How did you get them to do that?

  • Samfr1

    I want all theses black cards owners to know , when you die you’ll leave your black cards behind. God doesn’t take any cards.

    • Samwise Gamgee

      Get a grip bro. I remember reading somewhere about the use on unrighteous riches. Even God understands the need to have and use money. Spreading the word of God costs, what was that again, oh yeah MONEY! – Your friendly neighborhood Pharisee

    • GHynson

      Yeah,
      He only takes gold coins.

    • master of nothing

      God don’t want you either…

    • roy slater

      someone is jelly

  • Shawn

    I work for one of these credit card companies. Its funny these insanely rich persons will call us and ask if WE CAN WAIVETHE ANNUAL FEE FOR THEM. Ha yea. We wouldn’t even do it for the President or the richest man on Earth. Proof greed thrives in them.

    • Me

      That’s not greed. Its frugality. That’s why they are rich

      • bb91103

        No it’s greed.

    • TBH the rich think differently than those who don’t have. It really is more frugality than anything else. We have not because we ask not. Who doesn’t like free? They are people like us and deserve the same right to ask for the things we would.

    • Jimmie

      Never hurts to ask.Thats how us ppl with $keep it,we bargain on everything.I have a new MasterCard luxcard…they did it for me.
      It’s called smart money.
      If I can get their card…I can get others!
      Damn right they removed the 495.00 fee.

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  • zac gokcek

    Iv had my Centurion american express since I was 19 years old,,,, im 24 now,,,, i mean the card yes has always made a bold statement, Half the time i keep it in my safe,,,, cause now a days flashing around a card that makes a “BOLD” statement just gets you pistole whipped and robbed,,,,,, otherwise the customer service is impeccable

    • Jay

      Really? In this imagined scenario, are you gassing up at Sunoco and some crackhead notices your Centurion card and decides to take it from you? Please. Are you really trying to impress anonymous people with an anonymous post? Come on, kid. You can do better.

  • robloal

    If you are rich… do you really need a “black card”?

    • mocyerf

      No not really . . . But it is very useful when making plane, hotel, auto, dinner or other types of reservations. I enjoy my black card.

    • GHynson

      True,
      If your really rich, you have an assistant plan everything for you.
      People that have cards are just wannabe’s.

    • DC in Denver

      The biggest benefit that many of these cards provide is VALUE and those benefits save us money. “Rich” does not equate to “wasteful”. Many people just want the most for their dollar, no matter what income level they live at.

    • cynthia lemming

      I want some black but mine smells like burnt sugar and makes me feel great!

  • emma

    If you really own one if these cards, youd be too budy reading about it.

  • Nat_Readerland

    Have a visa signature….the bank has blown their logo so large and the signature logo so small I is a useless card now….

  • mainilla

    A wise wealthy person doesn’t flaunt their wealth for admiration from others, but to increase those who need help. What kind of person would I be to drive a $500,000 car in my town when others are rummaging through trash cans?

    • Hertzdontit

      So now it is wrong to go out and make enough money to drive a 500K car in your town because others don’t? With that kind of thinking you probably believe everyone is equal right? The simple reality is that they are not equal and just because I do something it has no relative bearing on what you do. Some people work harder than others but your mentality suggests that those that work harder shouldn’t get more but rather get the same as the slacker. LOL people like you make it worth it to excel in life.

      • Barraza

        That’s why he said a “wise” wealthy person. You are obviously neither.

  • Azrael Mors

    What good would it do a man to inherit the whole world and lose his soul.
    It’s sad to know that the billions of dollars being handed out to these rich ass bankers and snobs is not putting one shirt on a fellow humans back, or one spoonful of nutritious food in the mouth of starving children. Any race, religion, etc. should be ashamed of this behaviour. Filthy greedy swine. Perish in your luxury, buy the most advanced medical treatment available, see if you survive death, and see if you do not ultimately end up destitute.

    • Friendofurs

      There are many many benevolent wealthy people in the world……Don’t be so ignorant to think that a country of poor people can fend for themselves…It is the wealth of many countries (U.S. being no. one) that helps the poor.
      It’s good to have a soul and money too!!

  • Mr. C

    if you have millions and billions of dollars, why get a credit card? just curious..

    • brandon

      Perks. Status.

    • JMA

      As an owner of one of the cards above, the answer to why have a credit card if I can pay for things cash…I have a phobia (FOUNDED) on physical “money.” Physical money is one of the dirtiest items we can have in our pockets. I use plastic for as much as I can. It is probably at least 5x more sanitary than physical money, and as long as I pay the balance off at the end of each month it’s better than using cash. No interest and get all the perks.

      • JMA

        Forgot to mention – I get a grace period as well where my deposited money can earn interest until the end of the month. YET ANOTHER PERK of owning credit cards. Thanks!

        • JMA

          I’ll respond to myself again…let me also add, if I am defrauded by someone I did business with, I am not liable for fraudsters,,,yet another advantage. The bottom line is this…people that do not use credit cards for some reason are lacking in self control/discipline. And if they do and pay interest they deserve to be poor. Thank you again!

    • #bigbanktakelittlebank

      Those were my thoughts as well! Why pay 1500.00 dollars to use a credit card if you have more money than the credit card company. I’m just trying to see am I missing some significant point here.

    • Bois Patate

      I haven’t used physical money in years, you don’t need the credit, but you need the card to pay for all your shopping and pay the full amount online every month.
      I am not right, but I own a black stainless steel card. It was very useful when I needed to charge my new BMW X5, for $73,000, then paid the bank online the next day.

      • Soso

        I don’t think dealership would take $73k on any credit card, would cost them over $ 2900 in profit. Sorry , no can do

        • Nicholas Abuhl

          What’s 2900k when you’re talking about 73k..

  • Dillrod

    All of you ass’s are on food stamps and get cash benefits and you all dam well know it. So stop with all the bull shit over I got this card and I got that card because you all know too dam well all you got is a Wells Fargo Visa debit card off you $2.50cent over drawn bank account. So man up and pay your dam baby dady drama child support so your po dunk ass will not be sitting in the county jail next weekend.

  • GHynson

    The real people worth millions have people handle their finances for them.
    Only the wannabe elitist’s have credit cards,…no matter what color it is.

    • zeromein

      Noel Gallagher, formerly of OASIS, carries an Amex Black card and his identifying info with him, and he is worth more than 100 Million dollars.

  • Elvis K

    I own The NatWest Black MasterCard and
    Eurasian Bank Diamond Card and they are the best cards ever I spend around 1000,000 every month and I always pay my full amount, I own 8 unlimited credit cards and 5 with limit, I use them all every time. I love my cards….

  • MrPlayBoi DaVo

    My sugar daddy let me hold his black card… didn’t know what a black card was unlit I googled it

    And he say he not trying to spoil me ha

  • zeromein

    My great grandfather was wealthy, and neighbors with Joe Kennedy on Cape Cod, and they were in the same social circle. You wouldn’t have known he was wealthy, though. He wore ordinary clothes, and drove a normal car. If you flaunt your wealth, you become a target.

  • CCCL350 .

    I don’t think the Chase Sapphire card is exclusive. My broke, unemployed cousin has one. He only works one weekend a month as an Army National Guard, so he sure as hell doesn’t make over $100k a year. The reason I know this, is because he uses our home as his permanent mailing address, and i was present when he received his Sapphire card.
    He probably has good credit, and thats about it.

    • Mario

      There is a Chase Sapphire (plastic) and a Chase Sapphire PREFERRED card (metal)…

      • analog9

        I agree with CCCL350. The chase card is not exclusive. I just got a sapphire preferred. I live on $50K disability income, have a huge debt with some delinquencies as recent as 2013, and other mitigating factors. However I have do have a good relationship with Chase (have two other cards, direct deposit checking and a car loan paid off in 2011). It’s a common card that people with credit scores in the 600’s like me can obtain. Not everyone can get it, though. Higher scores than mine have been rejected. It just depends on the applicant’s relationship to the bank, income and credit history.

  • barneysbabe556

    I’m sitting here ROFLMAO. I have cardboard cut outs of the cards. Does that count?

  • J.Emmer

    I would like more people to understand that being rich has nothing to do with your amount of currency or money unless that is what you love. Yes, they are two VERY different things. If you love something or someone and get to experience it/them everyday. You are rich. It could be anything, your kids, running, driving fast cars, <—(mine) playing video games, singing, volunteering, gambling, smoking pot, or robbing banks. It doesn't matter what, If you're are doing whatever it is everyday you are richer than many, and smarter than most. Even if you can't pay your bills and drive a rusty 89 mustang. Maybe you truly love your 89 mustang and not paying bills? In that case enjoy your riches you sly dog. Another thing, I am my own god. I believe in what can be proven and/or experienced. I control all that I do in my life and I do not judge others without reason. I NEVER worry about things beyond my control and I live without fear.

  • Diana Teets

    This discussion has done a 90 degree turn.

  • Richard Cole

    I just got approved for a Chase Sapphire preferred and make nowhere near 120,000 a year? I have excellent credit and am debt free, maybe that’s it?

  • Jr junior

    I don’t care how rich you are…If you are paying $7500 just for the initiation fee and $2500 every year for a credit card, you definitely have more money than common sense.