There are a few credit cards that are considered the hardest to get. These cards are typically exclusive and usually charge high annual fees. Despite the high annual fees, these cards offer some great benefits such as access to luxury perks, private jet savings and airport concierge services. Some of the hard-to-get credit cards also come with higher-than-average rewards rates and bonuses in specific categories. Source:creditrewardperks.com

The American Express Centurion Card, popularly referred to as the Black Card, is one of the world’s most difficult credit cards to get. It’s only available by invitation and American Express has not disclosed the exact criteria that must be met to qualify for this card. The card is typically held by wealthy individuals who are at the top of their field and pose a low risk of defaulting on monthly payments.

Top 5 Hardest Credit Cards to Get in 2024

Other examples of hard-to-get credit cards include the Platinum Card and Centurion Card from American Express; the J.P. Morgan Reserve Credit Card; the Capital One Venture X Rewards credit card; and the Merrill Lynch Octave Black Credit Card. These cards are usually reserved for wealthy individuals in the upper echelons of society and offer a variety of perks and luxuries that make them worth the high annual fee.

If you are looking for a card that will reward you for everyday spending, consider a credit card that offers 2 points or miles on all purchases. Some cards have special categories that earn even more rewards, such as dining or travel.

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