Prestige is just the beginning. These high-end, exclusive cards often come with specialized concierge services that cater to your every whim. Individual account managers bend over backwards to fulfill requests and create a bespoke customer experience. Plus, lavish perks and luxury gifts aren’t unheard of, nor are credit limits in the six figures.
As you might expect, having a solid credit score and healthy checking account won’t be enough to obtain one of these cards. The most exclusive credit cards are invitation only, a gateway precisely designed to keep things reserved for a select few. Applicants may be hand chosen based on strong, existing relationships with the card issuer. It’s likely their spending habits are at levels the average American only dreams of.