7 Hardest Credit Cards To Get

You may have heard of the Chase Sapphire Reserve, the Ink Business Preferred® Credit Card, the Centurion® Card from American Express, and the J.P. Morgan Reserve Credit Card, but are you sure you can actually get one?

 

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.

 

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.

The Centurion Card’s many features make it hard to choose which one is best for you. You can also 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.

 

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.

 

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. To avoid this, you should make sure to make your payments each month on time. And always remember that you should only use the amount of your available credit limit each month.

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.

While the Citi Prestige Card is hard to get, its benefits make it worth the effort. 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

You may be wondering if you can get a Platinum Card from American Express if you have bad credit. You can, if you meet certain requirements. In most cases, you need a good credit score to qualify for a premium credit card, but you may be eligible even if your credit score is lower. If you qualify for a premium card, your chances of approval increase as long as your debt-to-income ratio is low and you’ve made fewer than five credit applications in the past year.

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. To get a Platinum Card from American Express, enroll in one of their other rewards programs.

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.