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Luxury Metal Credit Cards: How to Get One

Credit cards can certainly serve as a status symbol. Why do you think so many Visa commercials feature a James Bond-esque motif? In particular, credit cards made of metal have long been a symbol of wealth and luxury. Now, such cards are extremely limited (many believe there are less than 10,000 in circulation), and they are generally distributed by invitation only.

The most notorious and mysterious metal card on the market is the Centurion Card by American Express

Typically known as the "Black Card," this no-limit AMEX luxury is made of anodized titanium, has a minimum annual charge amount of $250,000, and a $2,500 yearly fee. You're probably saying to yourself, "holy cow, who in their right mind would even be able to keep up with the minimum spend at $21K per month?" At least, that was my initial reaction, but apparently there are plenty of big spenders out there interested in showing off their shiny black metal credit card at the cash register. So how can you get your hands on one of these jewels? Feel free to call American Express directly and you can obtain a specific application.

Oh, but I forgot to mention a couple more important prerequisites. First, you must shell out $5,000 to simply obtain the card. And second, you have to meet a minimum net worth level, which is currently undisclosed by American Express.  You can bet it's at least somewhere North of $1 million in investable assets.

Certainly, as the AMEX slogan goes, "membership has its privileges", but I would probably get another mortgage before I applied for a card like this. The APR would most definitely be lower, and I wouldn't have to deal with all the red tape.  What about you?  If you could qualify for a Centurion card, would you want one?

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Photo credit: Shutterstock / S_E

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Logan Abbott's picture

Logan Abbott is a personal finance and credit card expert with over 5 years of experience writing about each topic. He is a graduate of the USC Marshall School of Business, and also contributes to other online finance publications. He has been quoted in the New York Times, San Diego Union Tribune, TheStreet, and more.

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