Some rewards credit cards are more difficult to qualify for than others since they’re geared to people with high incomes and the best credit scores. Here are a few top credit cards you may struggle to qualify for — even if you have excellent credit.
Centurion® Card from American Express
Also known as the “Black Card”, the Centurion® Card from American Express doesn’t come with specific eligibility requirements — but it’s certainly geared toward big spenders. The card is said to come with an initiation fee of $10,000 and an annual fee of $5,000.
J.P. Morgan Reserve Card
This card is offered on an invite-only basis, and that invitation only comes for cardholders who have a minimum of $10 million in assets managed by J.P. Morgan’s private bank.
Visa Infinite credit cards (various banks)
Visa Infinite cards are much easier to get than the card types we outlined above, especially when you consider common Visa Infinite options like the Chase Sapphire Reserve® and the Capital One Venture X Rewards Credit Card. While specific eligibility requirements are not publicly available, you’ll usually need excellent credit and a high income to qualify.