No single card is universally "better," as it depends on needs, but cards like the JP Morgan Reserve, Dubai First Royale, and even the Amex Platinum offer comparable or different luxury perks for specific elite users, with the Amex Centurion (Black Card) being invitation-only for the super-rich, featuring personalized service and ultra-exclusive lifestyle benefits. The best choice hinges on your spending, travel habits, and desired concierge services, with some cards focusing on wealth management integration (JP Morgan) or unique global access (Dubai First Royale).
No, there aren't any credit cards higher than the “Amex Black Card”. Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.
The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
For the ultra-rich, however, credit cards take on another dimension. Certain cards—like the Amex Centurion, JP Morgan Reserve, Dubai First Royale Mastercard, and Coutts World Silk Card—are considered more exclusive than others, and they're available only to high earners with ample assets.
The highest-level American Express card is the Centurion® Card from American Express, commonly known as the "Amex Black Card." Reportedly, you must spend $350,000+ per year through American Express and make at least $1 million annually to be eligible.
Centurion® Card from American Express
The original "Black Card" still sets the tone for every ultra-premium card that came after it. You don't apply for it. Amex decides you're eligible only after years of spending $250,000 to $500,000 annually with the brand.
The best credit card that is rumored to have a $100,000 credit limit is the Chase Sapphire Preferred® Card. While Chase does not publicly disclose the highest credit line available for the card, there are online reports of people getting around $100,000 in spending power, or even more.
The Centurion® Card from American Express is one of the world's most elite cards because it requires an invitation to apply and is very prestigious to own. You reportedly need to earn at least $1 million per year and spend at least $350,000 annually on Amex cards just to be eligible.
Annual Fee and Terms apply. 18+, subject to status. Minimum income £35,000.
The Amex 2/90 rule is a guideline limiting most people to approval for no more than two new American Express credit cards within a 90-day period, even if they meet other rules like waiting five days between applications (the 1-in-5 rule). This rule specifically applies to credit cards, not necessarily charge cards, and is a key factor in managing how many new Amex cards you can open and get welcome bonuses for.
100,000 American Express Membership Rewards points are generally worth $1,000 to $2,000 or more, depending on redemption; you get about 1 cent per point ($1,000 total) using the travel portal or gift cards, but can achieve 2 cents per point or higher ($2,000+) by transferring to airline/hotel partners for premium flights, yielding significantly more value, according to Bankrate and WalletHub and The Points Guy.
U.S. Consumer and Business Platinum Card® Members can continue to enjoy access to over 1,550 airport lounges, including 30 Centurion Lounges, Resy benefits at some of the most sought-after restaurants in the U.S., guaranteed 4 p.m. late check-out at more than 1,800 Fine Hotels + Resorts® properties booked through Amex ...
The 2/3/4 Rule is an informal guideline, primarily used by Bank of America, that limits how many new credit cards you can be approved for: two in a two-month (or 30-day) period, three in a 12-month period, and four in a 24-month period, helping lenders manage risk from frequent applications and "churning" for bonuses. It's a rule for applicants, not a limit on how many cards you should have, but a strategy for managing applications to avoid automatic denials.
Black cardholders usually earn the most rewards points per $1 spent, followed by platinum and then gold cardholders. As an example, a standard rewards card could offer 0.5 points per $1, with the gold version offering 1 point per $1, the platinum 1.5 points per $1 and the black card 2 points per $1 spent.
earn a sufficient income of at least $50,000 per annum to pay outgoings and living expenses, in addition to Card repayments each month without experiencing financial hardship; • are willing and able to pay an annual fee of $1,450; • have current employment or access to other income or repayment sources; and • generally ...
300k salary jobs
The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.
The Amex Platinum isn't impossible but is a premium card requiring good to excellent credit (690+ FICO) and strong income, with Amex also checking your income, debt, and history, meaning a high score alone doesn't guarantee approval, though it's harder than basic cards due to high annual fees and benefits requiring consistent payment ability.
Billionaires are most likely to use the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals.
The "2/3/4 rule" refers to an informal guideline for Bank of America (BofA) credit card approvals, limiting new cards to 2 within 30 days, 3 within 12 months, and 4 within 24 months, helping manage lending risk. It's also a term used in baby sleep training for wake windows (2 hours, 3 hours, 4 hours between naps) and in food safety (2-hour/4-hour rule for keeping food out of the fridge).
While older models of credit scores used to go as high as 900, you can no longer achieve a 900 credit score. The highest score you can receive today is 850. Anything above 781-800 is considered an excellent credit score.
The 2-2-2 credit rule is a guideline lenders use to assess a borrower's creditworthiness, requiring two active revolving credit accounts, open for at least two years, with a history of on-time payments for those two consecutive years, often with a minimum limit of $2,000 per account, to show financial stability for larger loans like mortgages. It demonstrates you can handle multiple credit lines responsibly, not just have a good score, building lender confidence.
On our list, the card with the highest reported limit is the Chase Sapphire Preferred® Card, which some say offers a $100,000 limit. We've also seen an advertised maximum credit limit of $100,000 on the First Tech Odyssey Rewards™ World Elite Mastercard®, a credit union rewards card.
If you have excellent credit, high income and low credit utilization among other variables, issuers may offer you a credit line of $30,000 to $50,000. However, it's possible credit issuers offer a credit limit even higher than that.