5 Of The Most Exclusive Credit Cards Used By Millionaires

5 of the Most Exclusive Credit Cards  used by Millionaires
For people of average wealth, credit cards are ways to get by when money is tight, make additional purchases or to earn generic rewards. 

Credit cards give the super-rich power, incredible perks and help them further fund their extravagant lifestyles. Many of these exclusive credit cards come only through invitation or by achieving specific benchmarks.

1. JP Morgan Chase Palladium Visa

This exclusive credit card is one of the more impressive ones you’ll see. It’s made of actual palladium and gold, etched with the cardholder’s information and account number.
It is available only to those high net worth individuals who have an investment banking relationship with JP Morgan’s wealth management brokerage.
With a fee of only $595 a year, cardholders are lucky enough to not be charged for foreign exchanges, late payments, cash advances or overdrafts. There isn’t a spending limit, either.

2. American Express Centurion Card

This is the official name of the legendary American Express “Black” Card – arguably the prestige card that started it all. In order to qualify, a holder of the also prestigious American Express Platinum Card would need to have charged $250,000 or more in the previous year.
If they’ve met that impressive goal, invitees will have the privilege of paying a one-time fee of $7,500 and an annual membership fee of $2,500. Of course, they’ll also have the honor of holding one of the most exclusive credit cards in the world.
Naturally, the benefits that come with the card are impressive: a dedicated concierge and travel agent, complementary travel tickets for companions, free nights at select hotels, access to numerous airport clubs and plenty more.

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3. Dubai First Royal MasterCard

The Dubai First Royal MasterCard is trimmed in gold, with a .235-carat diamond in the center of the card. Consumers must receive an invitation from Dubai First to become cardholders.
The card comes with some amazing perks. Cardholders have access to a team of 24/7 lifestyle managers whose sole purpose is to meet the cardholders' every request. Additionally, the card has no credit limit and zero restrictions, allowing cardholders to spend as much as they want.

4. Coutts World Silk Card

While Americans may not be familiar with Coutts Bank, it’s known in the U.K. as the bank to the Royal Family. The Coutts World Silk Card is therefore suitably exclusive and rare. To be invited to carry this card, an individual must have at least $1 million in a Coutts account.
It goes without saying the perks are equally outrageous: concierge services, extensive worldwide travel insurance, access to more than 700 exclusive airport lounges and numerous VIP offers with travel and retail companies.

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5. Stratus Rewards Visa Card

The Stratus Rewards Visa is a card that tries to differentiate itself from other elite cards, even down to its color. The bright white card is available to high-net-worth individuals (HNWIs) only through invitation. However, these individuals can pool their rewards points together to use toward private jets and other perks, an option exclusive to this card.
These other perks include personal concierge services, discounted charter flights, car services, upgrades at luxury hotels, merchandise discounts and consultations with lifestyle experts. The card has a $1,500 annual fee.