Hardest Credit Cards to Get

Credit card companies make money by lending you credit and charging you interest, so they want to ensure that the individuals who carry their cards can afford to pay them back. This is why they use a variety of factors to determine who gets approved for which card, including income, credit scores and debt-to-income ratio.This page

Which credit card is most powerful?

The hardest credit cards to get, however, are reserved for wealthy individuals in the upper echelons of society. These exclusive credit cards offer a range of perks and luxuries, but often come with high annual fees. They are also typically invite-only, meaning that you won’t be able to apply for them without an invitation or through certain channels.

One of the most well-known examples is the Centurion Black card from American Express, which is invite-only and requires you to have a $10 million net worth. Other invitation-only credit cards include the Amex Gold and Platinum cards, as well as the J.P. Morgan Reserve.

Getting a hard-to-get credit card can be rewarding for some, as it means you’ll earn a sign-up bonus that could be hundreds or thousands of points, miles or cash, depending on the card. However, it’s important to focus on a card’s terms when applying, such as rewards earning rates and fees, rather than how hard or easy it might be to get. You should also consider your budget and spending habits before applying for a credit card.