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What is the card that rich people have?

The best luxury credit card is Chase Sapphire Reserve® because it has an initial bonus worth up to $900 in travel through Chase, gives a $300 annual travel credit, and provides a complimentary airport lounge membership. But luxury comes at a cost, and Chase Sapphire Reserve charges a $550 annual fee.

wallethub.com - 6 Most Exclusive Credit Cards – Prestigious Cards for 2022

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Awaken your dormant DNA ability to attract wealth effortlessly

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How to Get an Exclusive Credit Card – 3 Tips

Build a Credit Score of 800+

Although the credit score range goes up to 850, anything in the 800’s is considered perfect credit because improving your credit score further is unlikely to save you more money. For tips on how to go about accomplishing this, check out WalletHub’s credit improvement guide. You can also check your latest credit score for free and get personalized advice by signing up for a free WalletHub account.

Maximize Your Income

Exclusive credit cards generally target high net-worth individuals who spend a lot but make more than enough to support it. Credit cards make money whenever you make a purchase. So the more you spend, the more they make. Credit card companies also like knowing they’ll recoup whatever they lend you.

Minimize Your Debt

The more debt you have relative to your income and assets, the less affordable a new line of credit will be. And the most exclusive credit cards tend to have pretty high limits.

Most Exclusive Credit Cards Comparison

Prestigious Imposters – Don’t Be Fooled

$495

$300

$995

Methodology for Selecting the Most Exclusive Credit Cards

The best exclusive credit cards bring more than prestige to the table. They also offer elite rewards, high spending limits, and special perks such as airport lounge access and concierge services. But such cards are exclusive for a reason - they’re hard to get.Fortunately, there are a few things you can do to put yourself in the best possible position to get approved for one of the most exclusive credit cards. We’ll lay them out below, before recapping our editors’ picks for the best exclusive credit card offers available now.Now that you know what getting an exclusive credit card entails, you may want to take another look at WalletHub’s picks to see if the reward you’re chasing is really worth it. For your convenience, we’ve summarized how the most exclusive credit card offers compare in a few key areas below.Remember, exclusivity and prestige won’t pay the bills. So we recommend checking out 2022’s best overall credit cards before making a decision.– This is not the famous “black card.” It’s just a wannabe trying to capitalize on pop culture confusion regarding the Amex Centurion Card. Just check out WalletHub’s Mastercard Black Card Review to see how little you get in return for aannual fee.– Another “elite” card with more bark than bite, this Diners Club credit card charges aannual fee and doesn’t offer anything special in return. All of its features can be found on credit cards with much lower annual fees or no fee at all.– The Mastercard Black Card’s sibling is actually even worse, as it charges one of the highest annual fees on the market: a staggering! Sure, it’s 24-karat gold-plated card. But even if it were solid gold, it still wouldn’t be worth it.To identify the most prestigious and most exclusive credit cards, WalletHub’s editors regularly compare 1,500+ credit card offers based on their approval requirements, fees, rates, rewards, secondary benefits and special features, such as airport lounge access or concierge service. We focus on credit cards for people with excellent credit, though standout cards that require a minimum of good credit may earn a spot, and we use expected rewards earnings after annual fees as the primary barometer.When appropriate, we also highlight luxury credit cards with high annual fees that may scare away the average consumer, despite unlocking valuable rewards potential. In addition to the most exclusive credit cards for consumers, we select the most exclusive credit card for business based on approval requirements and expected rewards earnings, net annual fees.

wallethub.com - 6 Most Exclusive Credit Cards – Prestigious Cards for 2022

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Learn More »

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