7 Hardest Credit Cards To Get [Can You Qualify?]

I have been rejected for some exclusive cards. I was successful with persistence.

Centurion® Card from American Express

The Centurion® Card from American Express is the highest-end credit card in the US. Since it’s an exclusive card, only invitation-only applicants are able to apply. The features and benefits of this card are numerous and difficult to obtain elsewhere. If you are interested in receiving an invitation, read on to learn more about the requirements. This card is an excellent choice for frequent travelers, business people, and high-spending individuals.

The Centurion Black card is harder to obtain than the other Amex cards, as it requires an invitation to apply. Unlike the Gold and Platinum cards, you can’t apply to the Centurion unless you know someone who already has one. You can also apply if you work for a company that partners with American Express. The Centurion Card is harder to obtain than the other cards, with stricter criteria.

Before applying for the Centurion Card, existing American Express cardholders are strongly encouraged to clear their balances on their other cards. This ensures that their zero balances are reported to the major consumer credit bureaus. However, applying for the card does not guarantee an invitation. Although the Centurion membership interest page is a helpful resource, it is not a guarantee that you will receive an invitation. Moreover, you may need to spend a significant amount of money on other cards to qualify.

You can choose from a variety of offers from top brands, such as free shipping and same-day delivery in NYC. In addition to these perks, you can choose from a wide variety of destinations by searching The List, which is updated regularly. You can choose from restaurants, shopping destinations, and cultural spots in each city, and find a great deal on your next trip.

I recently applied for the American Express Centurion Credit Card, also known as the “Black Card,” and was disappointed to find out that my application was not approved. As someone who enjoys the perks and benefits of premium credit cards, I was excited about the possibility of owning one of the most exclusive cards in the world. However, my application was denied for reasons that were not immediately clear to me.

I did some research and found that the Centurion Card is not only difficult to obtain, but also comes with a hefty annual fee and strict eligibility requirements. Despite having a high credit score and a substantial income, I was still not deemed eligible for the card. This experience made me wonder about the qualifications and criteria used.


J.P. Morgan Reserve Credit Card

The J.P. Morgan Reserve Credit Card is one of the most exclusive cards on the market. To be accepted, applicants must be enrolled in the private bank’s wealth management program and have a minimum of $10 million in investable assets. As an invite-only card, this card has strict guidelines and is not readily available to everyone. While the application process is lengthy and rigorous, the rewards program can help you improve your financial situation.

The J.P. Morgan Reserve Credit Card comes in a well-sealed package. It is centered within a rectangular casing. The card is fairly well-built and weighs only 27 grams. It does, however, come with an annual fee of $125. In addition, it requires that you have more than $10 million in assets with Chase to qualify for the card. After you qualify for the card, you can begin collecting points and rewards.

While the Chase Sapphire Reserve has similar benefits, the J.P. Morgan Reserve is harder to obtain. If you have a $10 million in assets, you can apply for the card to receive 80,000 bonus points after you spend $5,000. You can then redeem those points for $1,000 using Chase Ultimate Rewards. However, getting the J.P. Morgan Reserve is not easy, so you should not expect instant gratification.

I received the rejection letter for the J.P. Morgan Reserve CC. It was an overcast Tuesday afternoon, and I had just returned from a hectic day at work, my spirits buoyed by the anticipation of possibly being approved for this exclusive piece of financial prestige.

The Card, after all, is not your run-of-the-mill credit card. Known for its hefty $595 annual fee and requiring an invitation to apply, it’s a card that’s synonymous with luxury and exclusivity, typically reserved for high-net-worth individuals. Its sleek design, with a palladium metal core, gives it a substantial weight and a distinctive presence compared to the standard plastic cards. The card is said to weigh around 27 grams, which is about the weight of five quarters in your hand—a small detail, but one that I was looking forward to feeling every time I reached for my wallet.

As I tore open the envelope with a mix of excitement and trepidation, I couldn’t help but think back to the meticulous care I had taken in preparing my application. I had double-checked every detail, ensured my credit score was in excellent standing, and even highlighted my history of responsible credit use on premium cards with high limits. I had been confident that my financial profile would pass the scrutiny of the Chase Private Bank, which issues the card.

But as my eyes scanned the letter, my heart sank. There it was, the word “denied,” standing stark and unyielding on the page. I felt a mix of emotions—disappointment, certainly, but also a touch of confusion. What had I missed? Where had I fallen short? The letter was polite but offered little in the way of explanation, citing only that my current assets under management with the bank did not meet their threshold for issuing the card.

I sat down at my kitchen table, the letter still in hand, and pondered the situation. I had heard that one typically needed at least $10 million in investable assets with J.P. Morgan to be considered for the card. While my finances were solid, I wasn’t quite at that level. It was a sobering reminder that some doors in life have very specific keys, and this time, I didn’t have the right one.

The rejection, however, didn’t dampen my resolve. Instead, it served as a catalyst, a challenge to grow my investments and financial acumen. I began reading more about wealth management, diversifying my portfolio, and seeking new opportunities for financial growth. The J.P. Morgan Reserve Card had become more than just a status symbol; it was a milestone I set for myself—a goal to work towards in my financial journey.



Chase Sapphire Reserve

If you’re interested in obtaining a premium credit card, you might want to apply for the Chase Sapphire Reserve. This card offers more benefits than its rival, including lounge access and a bonus of 50% when you redeem your points. However, there are some downsides to getting the card, including its high annual fee and higher rewards. Considering these limitations, it may be difficult to get approved. There are also other, less expensive cards available from Chase, such as the Sapphire Preferred.

If your credit history is perfect, you’re most likely to qualify for a Chase Sapphire Reserve credit card. However, if you’re not a high-earning person or have a low income, this credit card is not right for you. Because of the high annual fee and other requirements, it might not be a good choice for someone who only plans to make small purchases and carry a balance. For those who travel frequently, the card offers perks like airport lounge access, pick-up and delivery services, and discounts on transportation.


The Chase Sapphire Reserve has higher credit scoring requirements than the Chase Sapphire Preferred(r) Card. To be approved for this card, you typically need to have a credit score of 720 or higher. However, people with less than 720 credit scores can be approved for this card, though it doesn’t happen instantly. Here are some tips to help you improve your credit score for the Chase Sapphire Reserve. Read on to discover the best way to boost your credit score and make the most of this card.

Before applying for the Reserve, review your credit history. Have at least two credit cards in good standing with the company? Chase doesn’t like applications that are maxed out. Try to pay off those credit cards as soon as possible. This is important for your overall credit score because it will reflect your current credit score. If your credit score falls significantly, you can apply for the Reserve again after you improve your credit. Be sure to consider applying for the Reserve card before applying for other credit cards, though.


Ink Business Preferred® Credit Card

If you’re thinking about applying for a new credit card, you should consider applying for the Ink Business Preferred® Credit Card. This card has several benefits. Its rewards program is flexible, and you can transfer points to hotel and airline programs. The Ink Business Preferred Credit Card has no annual fee, and you can request up to three free cards for authorized users. You can set spending limits on all purchases, and there’s also a cell phone insurance policy.

For most companies, the Ink Business Preferred® Credit Card provides extraordinary value. Its sign-up bonus is generous and rewards users on common purchase categories. The card is best for companies with moderate expenses. The annual fee can be expensive, but it is worth the extra money to maximize bonus points and redeem them for travel with Chase Ultimate Rewards. It is not for everyone, but it’s good for those who spend a fair amount on business expenses.

U.S. Bank Altitude Reserve Visa Infinite® Card

The U.S. Bank Altitude Reserve Visa Infinite® Card is a credit card that offers multiple benefits. Among these are airline credit, concierge services, extended warranty protection on purchases, price protection, and travel assistance insurance. All of these benefits are valuable, but if you find yourself paying too much interest or racking up late fees, the card may not be worth the hassle.

You must be an existing customer of U.S. Bank for five days prior to applying for the card. This means that you must already have a checking or savings account, mortgage, or credit card. You also have to be present to receive the card. In addition, the card offers valuable sign-up bonuses, but it may be out of reach for most people. You can also get the card through a direct application with the bank.


Citi Prestige Card

The Citi Prestige Card is a high-end credit card that earns you ThankYou points, which can be redeemed for gift cards or airline miles. These points are also transferable to select airline loyalty programs. You can redeem your points for travel, student loan and mortgage payments, or even donate them to a charity. The Citi Prestige card also offers a host of benefits, such as lounge access, an annual travel credit, and more. However, you will find it hard to get.

The card features a lucrative rewards program with 5x points for dining and three times for air travel and hotels, as well as a lower annual fee of $495. Another benefit of the card is its easy redemption options. You can redeem your Citi ThankYou points for statement credits, mortgage or student loan payments, merchandise, or even gift certificates at select retailers.


Platinum Card from American Express

A Platinum Card from American Express has a high signup bonus, typically between 100,000 and 150,000 Membership Rewards points. This bonus can be worth around $1,500, depending on how you redeem them. You will also need to spend a minimum of $6,000 in the first six months to receive the bonus. If you don’t plan on using the card much, this bonus may be too low for you.

The benefits of the Platinum Card from American Express are plentiful. This card offers perks to frequent travelers. The highest-end hotels and airlines reward its users with elite status. Although the card comes with an annual fee of $695, you can make the fee worth it by maximizing the benefits. You will be able to use airport lounges, enjoy complimentary upgrades, and access to special events. You will also earn Membership Rewards points which can be redeemed for free flights and hotel stays.


Mastercard Black Card

The Mastercard Black Card offers a hefty annual fee and a lack of signup bonuses, but its travel and dining rewards do more than make up for the cost. It also comes with no transfer partners. In our opinion, the MasterCard Black Card is hard to get for these reasons. Here are some alternatives. The Platinum Card from American Express has three times the points, and a $200 airline fee credit. The Mastercard Reserve offers a signup bonus of 60,000 points after you spend $5,000 in three months.

There are a number of things you need to meet to apply for a MasterCard Black Card. The first criterion is an excellent credit score. You must be a U.S. citizen and earn a sufficient amount of money to cover the annual fee. Barclays does not publish income requirements for its Black Card, but the higher your income, the more likely you are to be approved. Your credit history will also be taken into account, but so will your income and potential debts. You must also be over eighteen years old and reside in the U.S.

While a credit score of 740 is good enough to be approved for the card, it is not the only factor that is considered. Your income, credit score, and overall credit history are all taken into account. In order to apply for a Mastercard Black Card, you must have a good credit score and a reasonable income.

While the Mastercard Black Card comes with a large annual fee, it has many benefits and a decently high initial credit limit. The rewards program is superior to that of other cards in this class, but you’ll pay for this by spending more money than you’d otherwise.


Dubai First Royale Mastercard:

It’s studded with a .235-carat diamond and trimmed with gold. This card is so exclusive that it’s reportedly offered only to royalty and extremely high net-worth individuals.

Coutts Silk Credit Card

Only available to Coutts clients, this card is like having a golden key to the royal treasury, offering personalized service fit for a queen – because, well, it’s from the bank that the British Royal Family actually uses!

Sberbank Visa Infinite Gold Card

This isn’t just a credit card; it’s a statement piece, crafted from solid gold and adorned with diamonds and mother of pearl. It’s the kind of card that you casually drop on the table at dinner parties for that instant ‘wow’ factor.


Stratus Rewards Visa

It is also known as the “White Card.” This invitation-only gem is for those who have reached the pinnacle of success. With luxury travel benefits that’ll make you feel like a rockstar and a concierge service that answers your every whim, you’ll be living the high life in no time.


Merrill Lynch Octave Black Card

It is exclusive, elite, and with a range of perks that’ll make your head spin. But brace yourself, because the entry requirements are as high as the rewards.

HSBC Premier World Elite MasterCard

It demands you to be part of the HSBC Premier club, which is like being in an international society of movers and shakers.

Diamond Card Visa Infinite

Tailored for those with a taste for the finer things in life, it offers travel perks that are just as dazzling as its gold and diamond-encrusted facade.

The Luxury Card™ Gold Card™

With a front dipped in 24K gold and a sturdy carbon back, this card not only looks like a million bucks but also treats you to a wealth of travel benefits.

Goldman Sachs Card

It is your ticket to the world of exclusive travel and concierge services. It’s like having a personal assistant in your pocket, ready to make your dreams come true.

The Palladium Card

Once the heavyweight of credit cards, its palladium and 23K gold composition was the ultimate status symbol.

Stratus Rewards Visa:

Often called the “White Card,” this card is available by invitation only, targeting high-net-worth customers in the luxury and travel sectors.

Bank of America Accolades Card:

While it’s not an invitation-only card, the Accolades card is only available to Bank of America’s private banking clients.


These aren’t your average credit cards; they’re your VIP passes to the high life, and I’ve got the insider scoop on each one.


Statista.com reports:

Value of Credit on US Cards of $3.06 Trillion.

Number issued is 1.1 Million.

The number of Master Card users is 97 million.

The market size has been increasing a little every year:

2012 $905 Billion.
2014 $945 Billion.
2017 $1,044 Billion.
2019 $1,084 Billion.


Here are some frequently asked questions (FAQs) about the hardest credit cards to get:

  1. What makes a credit card hard to get?
    • Several factors can make a credit card harder to get:
      • High credit score requirement: Some credit cards, particularly those with premium rewards or exclusive benefits, may require a high credit score to qualify.
      • Strict income and employment criteria: Certain credit cards may have stringent income and employment requirements to ensure that applicants have a stable financial background.
      • Limited availability: Some credit cards may be exclusive to certain groups, such as high-net-worth individuals, frequent travelers, or members of specific organizations.
  2. Which credit cards are typically considered hard to get?
    • While specific requirements can change over time, some credit cards that are often considered difficult to obtain include:
      • Premium rewards cards: Credit cards that offer exceptional rewards, travel perks, and exclusive benefits often have high credit score and income requirements.
      • Luxury and invitation-only cards: Certain credit cards targeted at affluent individuals may have strict eligibility criteria and limited availability.
      • Co-branded cards with prestigious brands: Credit cards associated with prestigious brands or organizations may have higher standards for approval.
  3. What can I do to increase my chances of getting a hard-to-get credit card?
    • If you’re interested in obtaining a credit card that is considered hard to get, you can take several steps to increase your chances:
      • Build a strong credit history: Pay your bills on time, keep your credit utilization low, and maintain a healthy credit score to demonstrate your creditworthiness.
      • Improve your income and employment stability: Higher income and a stable employment history can boost your chances of qualifying for premium credit cards.
      • Start with similar but more accessible cards: Consider applying for credit cards with similar benefits or rewards programs that have slightly lower eligibility requirements. This can help you establish a positive credit history before aiming for a more exclusive card.
  4. Can I apply for multiple credit cards at once to increase my chances?
    • While it’s technically possible to apply for multiple credit cards simultaneously, it’s generally not recommended. Each credit card application typically triggers a hard inquiry on your credit report, which can temporarily lower your credit score. It’s best to carefully research the requirements and eligibility criteria for each card and apply for the one that aligns best with your financial situation and goals.
  5. What should I do if I’m denied for a hard-to-get credit card?
    • If you’re denied for a credit card, especially one considered hard to get, don’t panic. Take the following steps:
      • Review the denial letter or communication from the credit card issuer to understand the reasons for the denial.
      • Work on improving your creditworthiness by addressing any issues mentioned in the denial letter, such as paying off outstanding debts or resolving errors on your credit report.
      • Consider applying for credit cards that are more attainable for your current credit profile and gradually work your way up to more exclusive options.

Improving Your Credit Score
Credit Cards For Outdoors




A score in the top 10% would generally be around 830 or higher would get you one of these for sure. This is considered an “exceptional” score under the FICO model, which means that borrowers with these scores are at the top of the credit food chain. They are likely to receive the most favorable interest rates and terms when borrowing money.

Here’s a rough breakdown of the FICO score ranges:

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very Good
  • 800-850: Exceptional




A credit score within the top 20% would likely fall within the “Very Good” to “Exceptional” range according to the FICO model, which is approximately 740 and above.

Here’s a rough breakdown of the FICO score ranges:

  • 300-579: Poor
  • 580-669: Fair
  • 670-739: Good
  • 740-799: Very Good
  • 800-850: Exceptional

People who have credit scores in the top 20% (740 and above) are typically deemed as very dependable borrowers and banks love that.