Anyone can apply for a credit card, though some are more exclusive than others. Did you know that a range of luxury credit cards are available by invitation only? They carry incredible perks and are almost exclusively reserved for the rich and famous. How can you get your hands on a card like this? We’re revealing the most high-end credit cards in this post, along with eligibility requirements and details on how you can apply.

Once you have your credit card, when it comes to a credit card authorisation form, the ACH authorisation template is an agreement that outlines bank-to-bank payment terms between a payor and payee using the ACH network. 

American Express Centurion (Black Card)

Some of you may have heard of the American Express Black Card, but its true name is the American Express Centurion. It’s widely regarded as the most exclusive and premium credit card in the world. Owners receive Membership Rewards points with every purchase, which can be redeemed for free air travel to a host of luxury travel destinations.

The card is so exclusive that details surrounding it are shrouded in mystery. American Express has no dedicated page on its website, so nobody knows the eligibility criteria. All we know is that it’s strictly invite-only.

You must own an American Express credit card already – and it’s generally believed that the company invites its highest-earning and biggest-spending customers. Annual fees for this card are rumoured to be just under GBP 3,500! However, it’s partially worth it as you get a concierge who’ll buy things for you 24/7. You also get exclusive access to some of the best and most impressive airport lounges in the world.

Dubai First Royale MasterCard

In terms of luxury design, no credit card comes close to the Dubai First Royale. It’s literally embedded with a diamond and has real gold trimmings around the side. One excellent aspect of this card is the fact it’s a MasterCard. This makes it widely accepted all over the world, and it would even be permitted at an online credit card casino UK. If you do choose to gamble with it, you benefit from an unlimited credit limit and absolutely no restrictions on spending.

It’s a truly masterful credit card, though it’s only handed out to a select few individuals. Dubai Royalty is given it, though regular citizens living in Dubai can also be invited. All you need is enough money to be classified as a millionaire!

Again, you get a 24/7 concierge service and a big annual fee (GBP 2,000 this time) though it’s worth it if you want a restriction-free card that lets you buy whatever you want.

JP Morgan Reserve Card

If you’re a JP Morgan client with USD 250,000 or more managed by them, you will be cordially invited to enjoy the JP Morgan Reserve Card. This card’s design is stunning; it’s pure metal and shines in the sunlight, giving a genuine feeling of luxury. The only downside is that you need to remove it from your person if you step through metal detectors as it will set the scanners off!

Aside from that, this elusive credit card has a host of wonderful perks. Members have access to all of the following:

• A full United Club Membership with United Airlines
• Airport lounge access – unlimited throughout the year
• Priority Passes at airports
• Specialist concierge service
• Top-tier travel insurance
• Emergency medical and dental insurance
• Points to convert to rewards

It’s also a Visa credit card, which is the most widely accepted credit card processing provider on the planet. You may find places that won’t accept the likes of AmEx, Discovery or even MasterCard, but they’ll always let you pay via Visa!

Chase Sapphire Reserve

All the previous credit cards are invite-only, but you can find a luxury option that’s available to anyone.

We say “anyone” – you still need to meet strict requirements to get a Chase Sapphire Reserve credit card:

• Must have an “excellent” FICO credit score of at least 740
• Must fall under Chase’s 5/24 rule – this means you can’t have applied for more than 5 credit cards within 24 months

Tick these boxes and you’ll be welcome with a range of outstanding perks and rewards. Spend USD 4,000 across the first three months of owning your card and you’ll receive 60,000 bonus reward points. Convert them into travel miles and it’s USD 900 to help you spend on flights!

Speaking of which, all Chase Sapphire customers get a USD 300 travel credit each year, which gives you free money to spend when taking a vacation. There’s a long list of other perks too, including:

• 10x points on hotels and car rentals
• 10x points on dining
• 5x points on flights
• 3x points on other travel purchases
• Access to over 1,300 airport lounges
• Premium dining reservations
• Comprehensive travel protection

Living a luxury lifestyle is only possible with the right tools to let you buy what you want and enjoy incredible perks. Do you qualify for any of the exclusive credit cards listed in this post? If so, it’s worth trying to get your hands on one as it will change your life and bring so many opulent rewards your way.

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