If you want a credit card that’s designed to give you the best rewards, you may have to work harder for it. These cards often have high qualification requirements, including an impeccable credit score and a large annual income. They also generally come with steep annual fees. But for those with excellent credit who can afford the fees, these cards offer a world of luxury and exceptional perks. Source
The hardest credit cards to get are reserved for people who can afford the high fees and have impeccable credit. Examples include the Platinum Card and Centurion Card from American Express (popularly known as the Amex Black Card) and the J.P. Morgan Reserve credit card. These exclusive credit cards offer opulence and perks that most people can only dream of, such as access to top airport lounges, concierge services, and round-the-clock personal assistants.
Why the Hardest Credit Cards to Get Offer Premium Perks
Students are some of the most difficult credit card applicants to approve because they don’t have traditional jobs or income. Student credit cards are typically geared toward newcomers and are designed to help them build their credit. Many have flexible income requirements, which can make it easier for some students to qualify. Student credit cards often report account activity to all three major credit bureaus, helping you build your credit with responsible use.
Store-affiliated credit cards are another group of hard credit cards to get, but they’re a good choice for frequent buyers who are loyal to a brand and can prove that they’ll pay off their debts on time. The Costco Anywhere Visa Card by Citi, for example, is only available to Costco members who have fair credit or better. Other store-affiliated credit cards that are hard to get include the American Express Gold Card and the Marriott Rewards Premier Credit Card.