Most Exclusive Credit Cards of 2019

The Platinum Card® from American Express is widely considered one of the most exclusive credit cards available to the general public. The card charges a $550 annual fee and offers handsome rewards. Cardholders can unlock access to airport lounges, TSA Precheck and Global Entry reimbursement, and redeemable points.

Other Worthwhile Perks to Consider

Perhaps the most unique perk available through The Platinum Card® from American Express is the Uber VIP status. Cardholders get a $15 credit each month for rides in the U.S., with a $20 bonus in December, for a total of $200 in Uber statement credits per year.

Cardholders can also get a $200 airline fee credit and up to $100 in annual statement credits for purchases at Saks Fifth Avenue. So while the perks on The Platinum Card® from American Express are quite specific, they can be well worth it for certain consumers, like those who frequently travel and shop at Saks.

For rates and fees on the The Platinum Card® from American Express, please click .

Do you need an invitation to apply? No

The Chase Sapphire Reserve® is a hefty metal credit card that gives cardholders top rewards on travel and dining purchases. The card offers a $300 annual travel credit plus 3 points per dollar spent on dining and travel purchases. The 3 points per dollar on travel are valid after earning the entire $300 travel credit. What's more, Chase Ultimate Rewards points are highly flexible and can be redeemed for travel purchases, gift cards and statement credits.

One of the Best Sign-Up Bonuses

Currently, the Chase Sapphire Reserve® is offering 50,000 bonus points when cardholders spend $4,000 on purchases in the first three months. The points are worth $750 when redeemed through the Chase Ultimate Rewards portal, which is one of the best sign-up offers among exclusive cards. .

If the card's high annual fee is giving you second thoughts, consider applying for the Chase Sapphire Preferred® Card instead. It offers 2 points per dollar spent on travel and dining with a reduced annual fee of $95, which is waived for the first year. The Chase Sapphire Preferred® Card made it onto several of our top 2019 card categories, including travel, airline miles and rewards.

Do you need an invitation to apply? No

The Centurion® Card from American Express is a legendary card often referred to as the Black Card. Unfortunately, the process of getting the Centurion® Card from American Express is a mystery. What we know is that American Express only extends personal invitations to apply, making this one of the more exclusive cards out there.

High Annual Fees With Decent Perks

Various users report that the Centurion® Card from American Express carries a $7,500 initiation fee and a $2,500 annual fee. The card doesn't have an APR because it's a charge card, meaning you'll have to pay the balance in full each month.

In terms of rewards, the Centurion® Card from American Express delivers 1 Membership Rewards point per dollar spent, but there are no bonus categories for earning more points. That said, certain users report that they get 1.5 Membership Rewards points on all purchases over $5,000. You're limited to an extra 1 million points per year.

Do you need an invitation to apply? Yes

Much like the Centurion® Card from American Express, the J.P. Morgan Reserve Card is highly exclusive because membership is extended through invitation only. While this is an exclusive card, the benefits mirror those of the Chase Sapphire Reserve®. If you've been invited to apply for this card, we recommend getting the Chase Sapphire Reserve® instead. The annual fee is much lower, compared to the $595 fee on the J.P. Morgan Reserve Card.

Do you need an invitation to apply? Yes