Consumers generally accept that the best credit cards are reserved for members of the elite credit, but there are some cards and a perfect credit score can not be guaranteed.
“There are cards that are invitation only,” Beverly Harzog, an expert , says Mainstreet.
The most famous of them escaping credit cards American Express Centurion Black. Amex (NYSE: AXP – News) refrain from officially published conditions for the cards, the only thing that curious visitors can learn from studying the issuer’s website is that the Centurion is ut experts “rarely, always recognized.” acquired primarily through interviews with cardholders they could find, Centurion, it is generally given to existing holders, who have charged $ 250,000 or more on your credit card in one calendar year. These large expenditures to pay $ 5,000 initiation fee, a $ 2,500 yearly fee after that, if they decide to add cards to your wallet is already fat.
Although less is known about the specific benefits of the network card for their keeper, it is generally accepted that they can get pretty smart travel benefits, including exclusive discounts and free upgrades on all types of media. “Concierge is basically nothing for you,” Tim Chen, CEO NerdWallet.com says.
Curtis Arnold, says that the card will not only offer travel benefits. Current holder Card website recently told a dinner was held in Centurion, Bergdorf Goodman, where the free meals come with free gift bag full of personal booty.
Of course, it is not the only Centurion Card invitation only there. Palladium Chase offers a card that says Harzog carries a much lower annual fee (around $ 595) than its counterpart Amex, but also requires a fully private Chase bank account, believed to be around $ 20 to $ 30 million.
In addition, Chen said, to remain competitive, “Many financial institutions cards that will be offered only to customers who use their private wealth managers.” And, including Smith Barney and Merrill Lynch, which have their own customized cards the rate for the richest customers.
“There are probably a few others that do not even know,” he adds Harzog. “They are very secret information on these cards, because it is part of the charm.”
While some benefits of these cards are guarded and can vary significantly in terms of benefits and is one of the factors that seems to define universally.
“They are a completely different appearance from the ordinary reader,” says Arnold. Centurion, for example, is made from titanium, while Palladium is made of precious metal, which shares its name and signature of the holder of the card is permanently etched into it.
“We all have what I call” plunk factor, “says Arnold.” You’ll probably get someone’s attention when it set aside. ”
“You still look under the hood,” warns Arnold. It emphasizes that the Visa Black Card, for example – which promotes limited availability and is largely regarded as a response to Visa Centurion – actually has more in common with the cards in the band under his bill.
Arnold says there are plenty of high-end cards that need to be rich and / or known to the hook, and which offer stellar rewards for the average consumer.
American Express Platinum Rewards Card
The Amex card carries an annual fee of $ 450 in exchange of some pretty sweet rewards and travel is aimed at affluent customers, but not closed to those not in the highest income class.
United Mileage Plus Card Explorer
One new favorite Arnold, Chase recently released United Mileage Plus Card Explorer, allows holders to book the first checked bag on flights free U.S. (an estimated $ 50 savings on the way), and also allows them to board the flight before passengers generally sit.
“I particularly like the benefit of priority boarding,” says Arnold.
You also get two passes to visit the United Club each year that at least lets you taste the high life.
Cardholders also get a two-mile per $ 1 spent on tickets purchased by United or Continental and one reward mile for every $ 1 spent an everything else. The card has a $ 95 fee is waived the first year and carries a 14.24% annual percentage rate (APR).
Citi Thank Prestige
One of the elite cards Citi Thank Prestige carries $ 500 annual fee, but “it is much more travel benefits” than other options, says Chen. This includes 24 / 7 concierge services, like the Amex Platinum, though not quite in the class Centurion card.
Credit Card holders also get unlimited access to airport lounges elegant, one free ticket for domestic flights a year, and automatic gold status in the Hilton HHonors program. They also are not subject to pesky foreign transaction fees paid when buying the abroad.
APR card is about 15.24%, depending on creditworthiness.
Ritz Carlton Premium Rewards Card
Other new offerings from Chase, Ritz Carlton Card offers 24-hour concierge service and exclusive discounts and updates to the famous hotel chain that is connected to s. This includes an automatic $ 100 credit at the hotel restaurants or spa with every two nights.
In addition, cardholders will get five points in rewards for every dollar spent at the Ritz-Carlton Hotels, two points for each dollar spent on tickets and one point on all other purchases. They will also have access to airport lounges and 200 dollars for a credit company surcharges. The card has a $ 395 annual fee and a variable interest rates of around 15.24%.
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