The Most Expensive Credit Cards


Ever wonder what the rich and famous carry in their respective purses and wallets? I assume the most expensive credit cards available.

Clearly they can’t lug around ordinary plastic cards or bags of cash, so how do they make all those super expensive purchases?

Well, like everything else in life, there’s another level of luxury you rarely hear about if you don’t run in that circle.

Let’s take a look at some of the more notable (and sizable) credit card annual fees that exist today.

The Most Expensive Credit Cards

I have listed the most expensive credit cards known to man in order by their annual fee.

Many of these cards are obscure and/or invite-only. That means even if you could afford them, you might not be eligible.

They may require that you spend hundreds of thousands of dollars to qualify.

Or you may need six-figure assets in their associated bank to get considered.

Either way, they’re expensive! And highly exclusive.

American Express Black Card (Centurion Card)


This is the granddaddy of them all, the world’s most expensive credit card (barring a one-of-a-kind gold and diamond encrusted credit card that may be in existence).

The cost: $15,000

That price tag includes a $10,000 upfront cost for enrollment, along with a $5,000 annual fee. Benefits include around the clock concierge service, personal shoppers, automatic upgrades, oh, and enrollment in a space tourism program.  No biggie…

You can get tickets to the Superbowl, a table at the world’s most exclusive restaurant, and so on. All you have to do to qualify is spend $250,000 a year on a lower level American Express credit card to be considered.

Stratus White Card (US Bank)

stratus white card

Only one other credit card comes close to rivaling the cost and luxury of the Centurion card. And guess what?  It’s white.

The cost: $1,500

The Stratus Rewards credit card, also known as the “white card,” is an invite-only credit card that comes with concierge services, meet and greet airport pickups, security, private jet perks, and access to the inaccessible.

The card is/was “coordinated” by U.S. Bank, whatever that means.

Per their website, they’ll be relaunching in it in the future, so stay tuned!

American Express Platinum Card

amex platinum

Next up is the rather ubiquitous Amex Platinum card, which touts the same personal concierge service, complimentary airport club access, and access to exclusive, once in a lifetime events.

The cost: $695

This relatively expensive charge card, which must be paid off in full each month, gives cardholders access to invitation-only events, and a free first-class or business class companion airline ticket.

Sure, it won’t turn any heads, but you’ll still get respect when whipping it out.

JP Morgan Palladium Card

Palladium Credit Card

Want a credit card that’s worth more than its own annual fee?  Then get your hands on the “JP Morgan Palladium card,” which is composed of palladium ($700+ an ounce) and 24 karat gold. Yes, gold is expensive too folks.

This is apparently what President Obama carries in his wallet, as this picture reveals. So you’ll be in fine company with this pricey piece of plastic.

The cost: $595

It’s perhaps the prettiest credit card in the world too, and comes with similar features to the rest of the credit cards in its class, including access to private jets, once-in-a-lifetime events, and exclusive access to anything one could want. Just don’t lose it…or you’ll kick yourself.

Chase Sapphire Reserve

sapphire reserve

One of the newer credit cards to make the most expensive list is the Chase Sapphire Reserve card.

The cost: $550

It is basically Chase’s answer to the Amex Platinum, and comes with a pricey $550 price tag.

Like the Amex Platinum, it is offered in a metal alloy (unknown what metal exactly). If you’re into metal credit cards, it could be for you.

CSR also comes with a handy $300 annual travel credit.

That means you can offset the pricey $550 fee with $300 in the very wide-open travel category (think hotels, airfare, Uber, etc.), which most folks will be able to successfully take advantage of.

Citi Chairman American Express Card

citi chairman

You guessed it. The next most expensive credit card is also an American Express card, though it’s co-branded as a Citi credit card. They wanted in on the luxury biz too…

The cost: $500

This card has all the typical bells and whistles of a luxury credit card in its class, including 24/7 concierge service, airport lounge privileges, and so forth. Ironically, it’s so unknown that it doesn’t share the notoriety of other credit cards in its class, unless of course, you run in certain social circles.

Mastercard Black Card

Mastercard black

This is Visa’s Mastercard’s answer to American Express’s black card. It comes with similar benefits noted above, such as 24-hour concierge service and limited membership (to ensure top quality service), along with 1% cash back on everything you charge with the card. That should help offset the near $500 annual fee.

The cost: $495

Oh, and the card isn’t made of plastic. It’s made of patent pending carbon, and comes with unlimited visits to more than 350 VIP airport lounges throughout the world. I think they should have named it the “Carbon Card” to separate themselves from the crowd.

Citi Prestige Card


Another pricey card from Citi is the Citi Prestige Card, which as the name implies, is prestigious. At least the price tag is…

The cost: $450

The good news is that the annual fee can be offset via the $250 annual statement credit for airline purchases, including airline tickets. And that goes by calendar year, so if you apply late in the year, you can get $500 in credits spread across two years just months apart.

So there it is. Some of the most expensive credit cards in the United States, and the world for that matter. As you can see, these serve more as entertainment value than anything else.

For most of us, we’ll probably never need nor be able to afford/qualify for the credit cards mentioned above.

And with so many much more affordable options, there’s no reason to feel like you’re missing out.

You can still access many of the privileges offered by these credit cards via cheaper or even free options, so don’t fret.

In fact, I’m perfectly happy with my Blue Cash Everyday card.

Bonus: Sberbank Visa Infinite Credit Card


I had to add one last card, even though it’s not for U.S. customers. This highly-exclusive credit card was apparently only offered to hundreds of people. It’s made of gold and diamonds, and costs $65,000 to produce.

The cost: $100,000

The price tag is a cool $100,000, with $65,000 of that going toward “minting the card” and $35,000 kept in the cardholder’s account.

After that, the annual fee is a reasonable $2,000, well shy of Amex Black.

It has no magnetic strip, so it must be accompanied by another credit card for non-chip transactions. Some of the benefits include health and life insurance worth $250,000+, along with a free iPhone 5. Wow.

By Colin Robertson

Colin created this blog after spending several years in a job that required him to scour credit reports on a daily basis. His goal is to help individuals better understand their credit and get the most out of credit cards.

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