Credit Cards (High Net Worth)

Merrill Accolades American Express

To even come close to this card, consumers need to be a clients of the Merrill Lynch Wealth Management division. Even then, an invitation must be extended to the client. The black card, which carries the golden Merrill Lynch bull logo, carries a low annual fee of just $295. However, that fee will be waved if the client keeps a minimum of $250,000 in their Merrill Brokerage Account. There is a $500,000 spending limit on the card. The Merrill Accolades American Express also provides the cardholder with hotel discounts, complimentary amenities at select resorts, discounts toward Sentient Jet private membership and of course a 24/7 concierge service.


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NatWest Black MasterCard

With a spending limit of $1.5 million, the NatWest Black MasterCard is one of the most exclusive credit cards in the world. It’s preferred by many because while it boasts a high spending limit, its annual fee is slightly less than its competitors. For a mere $395 per year, the NatWest Black MasterCard will open doors nearly everywhere the cardholder goes. Travel accommodation, flight upgrades, and 24/7 concierge services are included in the credit card’s many perks.


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Citigroup Black Chairman Card

Wealth is not the only factor that determines a consumer’s ability to get their hands on this credit card. To get the Citigroup Black Chairman Card a consumer must be a member of Citi’s private bank and investment units. Only 5% of the population will have the chance to own this card. Those that do will have a $300,000 credit limit with a $500 annual fee. In addition the cardholder will get private access to airport lounges, upgraded travel accommodation and 24/7 concierge services.


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The Visa Infinite Card

For the wealthy who reside outside of the United States, the Visa Infinite is the credit card of choice. A general requirement in all countries is that customers must have six figures in their account. They will also need to pay an annual fee which is generally a few hundred dollars. As with other high end credit cards, the Visa Infinite comes with an array of concierge services such as travel planning, air travel upgrades, dining at five star restaurants, shopping at exclusive high end stores and even health advice.


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Coutts World Silk Card

Want to live like royalty? Then the Coutts World Silk Card is for you. This exclusive credit card is used by Queen Elizabeth II as well as about 100 other people who have at least $1 million in a Coutts account. The royal purple credit card carries an extremely high annual percentage rate of 49.1%. As with other credit cards, the Coutts World Silk Card comes with 24/7 concierge service, access to exclusive airport lounges and private shopping at designer stores.


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Stratus Rewards Visa

Black cards may be all the rage, but one exclusive credit card is breaking the mold. The Stratus Rewards Visa is bright white. The colour of this credit card isn’t its only unique quality. Perks include personal concierge services, discounted charter flights, upgrades at luxury hotels, merchandise discounts and consultations with lifestyle experts. There is a $1,500 annual fee for the Stratus Rewards Visa.


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Dubai First Royal MasterCard

If you love the sparkle of diamonds and the glitter of gold, then the Dubai First Royal Master Card is for you. The left and top sides of the credit card are trimmed in gold. There is also a .235-carat solitary diamond in the center of the face of black card. But this card comes with a lot more perks than just diamonds. A major perk of the Dubai First Royal MasterCard is a team of round the clock “lifestyle managers” whose sole purpose is to fulfill the cardholder’s every request. And with no credit limit and zero restrictions, Dubai First Royal MasterCard cardholders are free to spend as much as they desire. Getting this card requires a special invitation from the Dubai First.


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JP Morgan Chase Palladium

Nearly ten years after the first American Express Centurion Card was made, JP Morgan Chase Palladium entered the scene. Made of laser etched palladium and gold, this card is reserved for those who have a relationship with JP Morgan private bank, wealth management or investments. Unlike the American Express card, the JP Morgan Chase Palladium Card has an annual fee of only $595. There is no set spending limit either!


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The American Express Centurion Card

The number one most exclusive credit card in the world, resides with the original “black card.” Launched in 1999, the American Expression Centurion Card has maintained its high status through the hard work of American Express to keep a veil of mystery around the card. While American Express won’t release the full details of how one becomes a cardholder, a few details have made their way onto the internet over the past 15 years. Before you can even come close to carrying this card in your wallet, you must have been an American Express Platinum cardholder for over one year. You must also have charged at least $250,000 on the American Express Platinum card within one year.


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The Millionaire MarketplaceCredit Cards (High Net Worth)