6 Most Exclusive Credit Cards – Prestigious Cards for 2024 (2024)

Centurion® Card from American Express

Regular APR

Annual Fee

$5000

Rewards Rate

1 point / $1

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

1 point / $1

Accepted Credit

Excellent

Why It’s One of the Most Exclusive Credit Cards:The most exclusive credit card is the Centurion Card from American Express, otherwise known as the Amex Black Card. It’s available by invitation only, and you reportedly need to charge at least $100,000 to $250,000 to your credit card per year to even be eligible.

Most of us won’t ever get first-hand experience using the Amex Black Card. The closest most of us will come is hearing rappers name-drop it or seeing pictures of celebrities flashing theirs. You may come across imposter “black cards” trying to take advantage of Centurion’s popularity, too.

Rewards Details

• 1X Membership Rewards point for every eligible dollar you spend.
• Membership Rewards® points can be used towards travel, dining, shopping, and merchandise.
• Points have no expiration date and there's no limit to the amount of points you can earn.

Interest Rate Breakdown

Additional Info

• All information about the Centurion® Card from American Express has been collected independently by WalletHub.
• This card requires a $10,000 initiation fee.

Capital One Venture X Rewards Credit Card

Regular APR

Annual Fee

$395

Rewards Rate

2 - 10 miles / $1

Bonus Offer

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

2 - 10 miles / $1

Bonus Offer

Accepted Credit

Excellent

Why It’s One of the Most Prestigious Credit Cards:The Capital One Venture X Rewards Credit Card isn’t especially exclusive, considering it’s available to the general public, but you do need excellent credit to get approved. You must also be able to afford the card’s $395 annual fee. That said, Capital One Venture X is one of the best travel rewards cards on the market right now, which makes it prestigious.

For starters, Capital One Venture X offers an initial bonus of 75,000 miles for spending $4,000 in the first 3 months. That’s worth $750 in travel – more than enough value to take you on some exclusive getaways. You’ll also earn 2 - 10 miles per $1 on purchases.

To learn more, check out WalletHub’s completecomplete Venture X Card review.

Rewards Details

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
• Receive up to a $100 credit for Global Entry or TSA PreCheck®

Interest Rate Breakdown

Additional Info

• Trip Cancellation and Interruption*: Add peace of mind to your itinerary when you use your Venture X card to book your travel
• Extended Warranty Protection*: Extend your qualifying product warranties automatically when you purchase using your Venture X card
• Return Protection*: Keep your options open with 90 days of Return Protection, here to help when you make a qualifying purchase with your card
• Cell Phone Protection*: Protect your cell phone every time you pay your bill. When you pay your monthly wireless bill with your covered Capital One card, your cell phone is protected for the next calendar month. So, you can get reimbursed if your cell phone is stolen or damaged ($50 deductible)
• Visa Infinite Concierge*: Concierge who can help you with requests, like dinner reservations, or Broadway, music and sporting event tickets
• Baggage Delay Reimbursem*nt*: Your bags are covered against common carrier-caused loss or theft with Lost Luggage Reimbursem*nt* when you use your Venture X card to purchase common carrier tickets
• Trip Delay Reimbursem*nt*: Anticipate delays when you purchase air travel with your covered Visa Infinite card, with Trip Delay coverage of up to $500 when you’re stuck for more than six hours or require an overnight stay
• Auto Rental Collision Damage Waiver*: Count on built-in auto rental coverage. Save money by saying no at the counter – rent with your covered Visa Infinite card and get built-in Auto Rental Coverage
• For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

Chase Sapphire Reserve®

Regular APR

Annual Fee

$550

Rewards Rate

1 - 10 points / $1

Bonus Offer

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

1 - 10 points / $1

Bonus Offer

Accepted Credit

Excellent

Why It’s One of the Most Exclusive Credit Cards:The “Reserve” part of this card’s name hints at exclusivity, as does its excellent-credit approval requirement. And its travel perks show why it’s a prestigious choice. You’ll earn 60,000 points – redeemable for$900 in travel through Chase – if you spend at least $4,000 within 3 months of account opening. You’ll receive a credit for up to $300 in travel purchases each year. And you’ll earn the points equivalent of 1.5% to 15% cash back on purchases, depending on the type of purchase, assuming you redeem for travel booked through Chase.

Plus, there are a few other perks – such as access to 1,300+ airport lounges and Visa Infinite Concierge service – that help offset the card’s $550 annual fee.

Rewards Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursem*nt for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Interest Rate Breakdown

Additional Info

• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
• Member FDIC

The Platinum Card® from American Express

Regular APR

Annual Fee

$695

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why It’s One of the Most Exclusive Cards:The Platinum Card® from American Express gives cardholders and eligible guests access to well over 1,000 airport lounges around the world as part of the American Express Global Lounge Collection. This includes all American Express Centurion Lounge locations and the 45 Delta SkyClub lounges. This card requires at least good credit for approval and costs a pretty penny, with a $695 annual fee. But cardholders get plenty of other perks for the money, too.

For example, new applicants who spend at least $8,000 within 6 months of opening an account earn an initial bonus of 80,000 points. There are also $200 in credits for fees on a pre-selected airline each year, up to $200 per year in free Uber rides, and up to $100 in annual credits for shopping at Saks Fifth Avenue (enrollment required), among other perks.

Rewards Details

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, and The Wall Street Journal. Enrollment required.
• $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
• $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
• $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• Terms Apply.

Interest Rate Breakdown

Additional Info

• $695 annual fee.
• This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.

Centurion® Card from American Express

Regular APR

Annual Fee

$5000

Rewards Rate

1 point / $1

Accepted Credit

Excellent

Regular APR

Annual Fee

Rewards Rate

1 point / $1

Accepted Credit

Excellent

Rewards Details

• 1X Membership Rewards point for every eligible dollar you spend.
• Membership Rewards® points can be used towards travel, dining, shopping, and merchandise.
• Points have no expiration date and there's no limit to the amount of points you can earn.

Interest Rate Breakdown

Additional Info

• All information about the Centurion® Card from American Express has been collected independently by WalletHub.
• This card requires a $10,000 initiation fee.

The Business Platinum Card® from American Express

Regular APR

Annual Fee

$695

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Regular APR

Annual Fee

Rewards Rate

1 - 5 points / $1

Bonus Offer

Accepted Credit

Excellent, Good

Why It’s One of the Most Exclusive Cards:The Business Platinum Amex Card’s annual fee alone makes it exclusive, as your average small business owner probably won’t want to shell out hundreds of dollars per year just for the privilege of having a particular card. Similarly, the average business owner does not have the credit needed to be approved for this card. Plus, few people will use this card deftly enough to get their money’s worth from its assorted rewards and benefits.

Those perks include 120,000 points after you spend $15,000 within 3 months of opening an account. Additionally, cardholders earn 1 - 5 points per $1 on purchases, get rebates on points redeemed for airfare, and more.

Rewards Details

• Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• Terms Apply.

Interest Rate Breakdown

Additional Info

• $695 Annual Fee.
• This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.