What is a black credit card?

The ultimate status symbol may be so-called "black credit cards," but there is a lot of misunderstanding about what they are.

American Express offers the most well-known black credit card, but these elite cards generally offer superior benefits and opulent rewards that other top credit cards simply can't match.

Read on to find out what black cards are, how they operate, and why they're so difficult to obtain before deciding between one of the top rewards credit cards or a black credit card.

An very exclusive credit card known as a "black card" is almost exclusively used by the ultra-wealthy. The cards are often only accessible by invitation. Both the annual fees and the entry bar into this exclusive tier of credit card ownership are extremely high.

Some black credit cards demand that you charge tens of thousands of dollars—or even hundreds of thousands of dollars—per year to your card only to be taken into consideration.

Best black credit cards

Funny thing is, black cards don't always have a black tint. Not only that, but many also go by several names, such as the black American Express credit card, which is also known as the American Express Centurion Card.

Keep an eye out for an invitation to one of these top black cards and everything they have to offer if your spending is high enough and you want access to exclusive benefits.

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