Most of us use credit cards nowadays but few of us know about those top premium cards that are generally used by powerful personalities. They use these cards because they know they exist. Now you’re here looking for your answers and after reading this article I’m pretty sure that you can also find yourself aware of these credit cards that not only provide you out-of-the-box perks but also increase your status symbol in society.
Before starting this article let us see what credit cards are and how you can access them. We have also mentioned some credit cards that are most commonly used by people these days.
What is a Credit Card?
Basically, a credit card is a type of payment card that is issued by various financial institutions most of the time these institutions are credit card companies or a bank. These cards allow cardholders to make payments by borrowing money up to a certain credit limit. Let me explain to you in a simpler manner what I just said so basically when a cardholder makes a payment then he/she borrows funds from the financial company whose cars they are using to complete the transaction.
Some commonly used credit cards are Visa, Mastercard, American Express, and Discover. These cards are used worldwide though your region might have some other widely used credit cards. So now you know what credit cards are let us move to our main topic where we discuss the Top 10 credit cards in the world.
Top 10 Premium Credit Cards in the World
This is a list of the top 10 premium credit cards in the world. These cards are known for their prominent features and premium benefits, and they are globally accepted. Here I would like to mention that these rankings are not fixed they keep on changing from time to time so I would suggest you do proper research and be up to date before making any decision. So without wasting any more time let us begin with our list:
1. American Express Platinum Card
As the name says itself American Express Platinum Card is a prestigious card that American Express issues. This card is known for its broad range of exclusive perks that come along with this card.
The major area of perks of this card is related to travel and lifestyle. Other areas include Membership Reward Program, Concierge Service, Uber, and Uber Eats benefits.
2. Chase Sapphire Reserve
Chase Sapphire Reserve is one of the premium cards which is issued by Chase Bank. This card is specially designed for travelers who travel frequently and it offers them a broad range of benefits and rewards.
These rewards may include various facilities like Airport Lounge Access, Annual Travel Credit, Global Entry or TSA PreCheck Fee Credit, Transferable Points, Travel and Purchase Protections, Luxury Hotel Benefits, and various other travel rewards.
3. Citi Prestige Card
This is one of the best premium cards for travelers which is offered by Citibank. It is designed in such a way that it caters to the need of frequent travelers. Citi Prestige Card offers a wide range of benefits and rewards.
The main USP of this card is its wide range of travel benefits like airport lounge access and complimentary hotel nights. This card also includes various other benefits and rewards like Fourth Night Free, Global Entry or TSA PreCheck Fee Credit, Annual Travel Credit, Concierge Service, Travel and Purchase Protections, and other travel rewards.
4. Visa Infinite Card
If I say that Visa is one of the biggest financial institutions then I’m not wrong. Visa has a huge variety of credit cards, and Visa Infinite Card is one of them. This is a premium credit card that offers a broad range of premium benefits and high-end services to its users. Visa in itself is not a bank so you can get Visa credit cards through different banks and financial institutions.
Since it is issued by Various banks so it contains different perks but they all have some common perks like Global Acceptance, Travel Benefits, Luxury Hotel Benefits, and Premium Concierge Service.
5. Mastercard World Elite
Just like Visa, Mastercard is also one of the biggest financial institutions that provide credit cards. Mastercard has a variety of credit cards, and Mastercard World Elite is one of them. This is a premium credit card that offers a broad range of high-end benefits and premium services to its users.
Mastercard in itself is not a bank so you can get Mastercard credit cards through different banks and financial institutions. Since it is issued by Various banks so it contains different perks but they all have some common perks like Global Acceptance, Travel Benefits, Luxury Hotel Program, Purchase Protection, Car Rental Privileges, and Rewards Programs.
6. Discover it Cash Back
I’m pretty sure you might not have heard of this amazing credit card. Personally, this one is my favorite. This is a premium credit card which is issued by Discover Financial Services. As the name suggests this card offers a lot of cashback rewards.
Let me tell it’s most amazing feature which is its no annual fees, Yups you heard it right. There are various other features of this card too like No Foreign Transaction Fees, Social Security Number Monitoring, Discover Deals, FICO Credit Score, Introductory 0% APR, Cashback Match, and most importantly Cashback Rewards.
7. Capital One Venture Rewards Credit Card
Just like Mastercard, Capital One is also a financial institution that provides credit cards. Capital One has a variety of credit cards, and Capital One Venture Rewards Credit Card is one of them. This is a premium credit card that offers a broad range of high-end benefits and premium services to its users.
This card is vividly used by those customers who travel a lot. Since it is issued by Various banks so it contains different perks but they all have some common perks like Earn Miles, Welcome Bonus, Redeem Flexibility, Transfer Partners, Global Acceptance, No Foreign Transaction Fees, and Travel and Purchase Protections.
8. Diners Club Card
Here comes one of the vintage cards in the industry. The Diners Club Card is one of the few cards which are issued by the Diners Club. Let me tell you a fact about Diners Club they are the first Credit Card company whose credit cards got accepted globally. This card also includes various benefits and rewards like Membership Benefits, Diners Club International, and Charge Card Features. This card has one major drawback which is its expensive annual fees.
9. Wells Fargo Propel American Express Card
Quite a long name for a credit card, right? So basically Wells Fargo Propel American Express Card is a premium card that is offered to only high-end customers. This card comes from the partnership between Wells Fargo and American Express.
This Card is famous for its vivid range of reward programs and a long range of benefits. These benefits include Sign-up Bonus, No Annual Fee, Introductory 0% APR, Travel and Purchase Protections, Cell Phone Protection, Contactless Payments, and No Foreign Transaction Fees.
10. Barclaycard Arrival Plus World Elite Mastercard
Another credit card with such a long name. Barclaycard Arrival Plus World Elite Mastercard is one of the most reputed credit cards issued by Barclays to those high-end customers who are frequent travelers. This card comes with a long range of rewards such as Travel Rewards, Welcome Bonuses, Redemption Flexibility, Transfer Partners, Global Acceptance, Luxury Hotel Collection, and No Foreign Transaction Fees.
So with this, our list of the top 10 credit cards in the world comes to an end. But wait we have more in our bags for you. Let us move to the next section of this article where we discuss exclusive credit cards.
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More Exclusive Credit Cards
When we say “exclusive” credit card we generally mean those credit cards which come with high-end benefits and are not meant for everyone. These exclusive credit cards are generally designed for high-net-worth individuals and VIPs. What makes these cards exclusive is their processing fees and the luxurious perks which come along with these cards. Our team of experts did a lot of research and come up with these top 5 exclusive credit cards. They are as follows:
1. American Express Centurion Card
This card is also known as Black Card. This card is exclusive because this is an Invitation only card that comes with a variety of premium benefits. Other benefits included in this card are Airport Lounge Access, Personalized Concierge Service, Exclusive Event Invitations, and Luxury hotel memberships.
2. J.P. Morgan Reserve Card
This card is only available for J.P. Morgan Private Banking clients so if you want to enjoy the exclusive perks that are being offered with this card you have to become a member of J.P. Morgan private banks. This card offers various premium perks such as 24/7 concierge service, access to luxury hotels, resorts, and events, and most importantly personalized travel benefits.
3. Citi Chairman Card
This card is specially designed for high-net-worth individuals. You have to get up to a certain level to enjoy the exclusive perks that come along with the card. These perks include exclusive travel perks, personalized service, Global acceptance, and access to VIP experiences.
4. Mastercard Black Card
If I say this is the most stylish card you can get then I’m not wrong. Mastercard Black Card is known for its out-of-the-class sleek design. This card is specially designed for high-net-worth individuals. The perks of this stylish card are concierge service, travel benefits, and other lifestyle perks.
5. Visa Infinite Privilege
This is one of the most premium cards that you can get from Visa. Visa Infinite privilege card is only available through some selected financial institutions. This card is known for its out-of-the-class sleek design. This card is specially designed for high-net-worth individuals. It has some exciting perks like access to luxury hotel programs, premium concierge service, and high-end travel benefits.
Richest Credit Cards
The term “richest” credit cards might have different meanings due to various criteria. These criteria may include benefits, annual fees, and credit limits. Since there is no proper definition for “richest” credit cards our team of experts formed a list of credit cards that are only made for high-net-worth individuals. This list is as follows
1. American Express Centurion Card
As I said before this card is also known as Black Card. This card is exclusive because this is an Invitation only card that comes with a variety of premium benefits. Other benefits included in this card are Airport Lounge Access, Personalized Concierge Service, Exclusive Event Invitations, and Luxury hotel memberships.
2. J.P. Morgan Reserve Card
As I said before this card is only available for J.P. Morgan Private Banking clients so if you want to enjoy the exclusive perks that are being offered with this card you have to become a member of J.P. Morgan private banks. This card offers various premium perks such as 24/7 concierge service, access to luxury hotels, resorts, and events, and most importantly personalized travel benefits.
3. Coutts World Silk Card
This is one of the most prestigious cards available in the market. This card is issued by Coutts which is a private bank in the United Kingdom. This card is designed for high-net-worth individuals since it provides premium benefits, luxury-tailored perks, and personalized service. Some key perks of Coutts World Silk Card include 24/7 concierge service, and access to luxury hotels, resorts, and events.
4. Dubai First Royale Mastercard
This card is specially designed for High net worth individuals that are living or working in the United Arab Emirates. This card offers a huge variety of premium perks and luxury privileges which includes Global Acceptance, Travel Benefits, Luxury Hotel Program, Purchase Protection, Car Rental Privileges, and Rewards Programs.
5. Stratus Rewards Visa Card
This is an invitation-only credit card and it is designed for high-end travelers. This card has premium services throughout the world and it is globally accepted too. The USP of this card is that you can get access to a private plane this is what I personally feel really cool about this credit card.
This card also includes various other benefits and rewards like Fourth Night Free, Global Entry or TSA PreCheck Fee Credit, Annual Travel Credit, Concierge Service, Travel and Purchase Protections, and other travel rewards.
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Frequently Asked Questions (FAQs)
These are some of the questions that people ask us frequently.
1. Why should I get a credit card?
Having credit can save you a lot of day-to-day trouble and it will also help you build your credit score which will help you to get loans easily in the future. It also provides safe and fast payments and you can get various perks like Airport Lounge Access, Annual Travel Credit, Global Entry, or TSA PreCheck Fee Credit.
2. Which is the most expensive debit card?
Currently, the Sberbank Visa Infinite Gold card holds the tag of most expensive debit this is because of the luxurious perks that come along with this card. This card is only available for high-net-worth individuals.
3. Which is the most prestigious credit card?
This title is currently held by the American Express Centurion Card this is also known as “Black Card”. This card is exclusive because this is an Invitation only card that comes with a variety of premium benefits. Other benefits included in this card are Airport Lounge Access, Personalized Concierge Service, Exclusive Event Invitations, and Luxury hotel memberships.
Wrapping Up!
Glad to see you made it to the end of the article. I hope you like our list of the top 10 premium credit cards in the world not only that only list but the other two bonus lists that we have mentioned. Our team of experts did a lot of research to formulate these lists.
In conclusion, we would like to say That credit cards are a must-have thing these days. Credit Cards not only provide a way of payment but also provides various out-of-the-box perks that will ease your life by a significant margin. Having credit can save you a lot of day-to-day trouble and it will also help you build your credit score which will help you to get loans easily in the future.
It also provides safe and fast payments and you can get various perks like Airport Lounge Access, Annual Travel Credit, Global Entry, or TSA PreCheck Fee Credit. Moreover, we all know that technology is growing exponentially nowadays so various organizations, corporations, and high-value individuals, require more convenient and efficient ways to grow their funds and they want innovative solutions to manage their credit scores.
Now we are happy to see you at the end of the article, I hope you got all the answers that you were looking for at the beginning of the article. We tried our best to answer all your questions with the most simplified answers but still, if you have any doubts regarding our article feel free to ask questions in the comment box. We will try to reach you as soon as possible. Do share this article with your friends and family, especially with those who want to know about the top premium credit cards in the world.
