CardRare | Custom Luxury Metal Credit Cards (2024)

FAQs

What credit cards do the ultra wealthy use? ›

The heaviest metal credit cards are the Mastercard Black Card or the JP Morgan Palladium card (the latter is not easily available to consumers). One of the heaviest cards that's publicly available is The Platinum Card from American Express.

In reality though, the biggest benefit is often personal - metal cards are an understated status symbol, signifying wealth and prestige to others. It feels good to drop a metal credit card down onto the restaurant bill when you are having dinner with friends.

In a world where wealth and status are often interlinked, the black credit card stands as a pinnacle of fiscal prestige. Embodied by the illustrious Centurion® Card from American Express, colloquially known as the 'Amex Black Card', these cards are more than a payment method ᅳ they're a statement.

There's no credit limit

The American Express Black Card doesn't have a pre-set spending limit, so cardholders can spend as much as they want every month. But that's only the case if they can afford it.

On our list, the Ramp Corporate Card and the Chase Ink Business Premier Credit Card offer the best opportunity to access a $100,000 credit limit. Ramp determines your spending limit based on factors like your cash on hand and monthly expenses, while Chase uses creditworthiness to calculate your credit limit.

Undoubtedly, the most high-profile payment card in the world is often considered the American Express Centurion Card, commonly known as the “Amex Black Card.” However, true exclusivity goes beyond mere recognition; it embodies a luxury and distinction that few can access.

The Marriott Bonvoy Brilliant card is heavy metal—both literally and figuratively. For starters, it commands a hardcore, headbanging $650 annual fee. But if you're willing to pay the price, you'll get a mosh pit worth of benefits.

Having a black card typically means that you own a high-end credit card with exclusive benefits and perks. Black cards are often associated with premium credit cards offered by various financial institutions.

Which Amex card is metal? ›

Yes, American Express offers several metal cards. The American Express metal credit are The Platinum Card from American Express, American Express Gold Card and Delta SkyMiles Platinum American Express Card, among others.

Can I request a metal credit card? No, generally, a metal credit card is not a feature you can choose, although a few issuers may allow you to choose between plastic or metal. Instead, metal credit cards are more often offered for specific credit card products that you can apply for.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.

The minimum payment mindset

Here's how it usually happens: You use your card for a purchase you can't really afford, or you want to defer paying for it from your savings. When your credit card bill arrives, you either choose to make just the minimum payment or it is all you can afford to pay at the time.

If you use a credit card, you're more like millionaires than you may think. Although most adults have credit cards, millionaires are even more likely to use them. According to the Federal Reserve, almost all adults with incomes over $100,000 have a credit card in their name.

Stars Love Amex, But Not The “Black Card”: 19 of the 27 celebrity wallets we examined contain an American Express credit card. The Amex Green Card and the Gold Rewards Business Card are the most popular, by far.