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Best 10 Credit Cards Used For the Super Rich



Having a great deal of money often means access to even more cash, especially when it comes to credit cards. There is a huge difference between the entry level credit card someone might qualify for when they have little to no credit and the types of credit cards used by the super rich. If you’re not convinced, take a look at the 10 credit cards listed below. You’ll have trouble even qualifying for one of these cards unless you have more money than most people will ever see in their lifetime.

10. Coutts World Silk Card

There are so many things about this particular card that make it exclusive that even the super rich are sometimes unable to get their hands on one. For starters, there are only 100 people in the entire world who qualify for one of these cards at the current time. What exactly do you have to do in order to qualify? You have to be a millionaire, but the requirements certainly don’t end there. In fact, you have to have at least $1 million in a Coutts account in order to qualify, with additional funds left in other accounts. This is easily the oldest credit card in England and it is also one of the most exclusive, even to the point that a lot of people who have serious money in the bank have never even heard of it.

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What do you get for all of this exclusivity? Basically, you get access to things that no one else has access to. It starts with a special concierge service that’s available 24 hours a day, seven days a week. Whenever you want someone to pick you up or drop you off, all you have to do is notify them and they’ll be right there. It’s like having your own special car service without having to hire a driver personally. Of course, there are other perks, too. If you fancy a shopping trip at an exclusive designer store and you don’t want to be bothered by other customers while you’re there, that can be arranged.

Fun Perks

That’s right, you have the chance to go shopping at stores all by yourself. You can even go in the middle of the night if that’s what suits you. You also have access to stores that are simply not available to the general public. These aren’t stores that allow people to just walk in, but instead require both an appointment and an approval process. Last but certainly not least, you get exclusive access to airport lounges that no one else has access to. That fact alone is enough to make most people decide that this is a card worth having.

9. Stratus Rewards Visa Card

This card sets itself apart almost immediately. You can’t even apply for it in the traditional sense. Instead, you are invited to apply once your net worth hits a certain, undisclosed amount. If you receive an invitation, you should consider yourself very lucky, as the company doesn’t issue many of them. In addition, it’s almost impossible to know what the exact requirements are because the company doesn’t share them. As it turns out, the individuals who have one of these cards aren’t too keen on sharing those details, either.

What’s so special about this card? For one thing, the rewards points are a little bit different than most. You’re not accumulating rewards to use toward a particular flight with a certain air carrier. Instead, you’re accumulating points to rent private jets. Since this is an expensive venture, even for people who are uber rich, those who hold one of these cards can get together and combine their rewards points in order to rent a jet to anywhere their hearts desire. There are plenty of other perks, too. Consider a free concierge service, major discounts on charter flights, shopping at dedicated outlets and even consultations with experts who can help you figure out what the meaning of life is. Just in case you’re curious, this card also comes with a hefty annual fee, to the tune of $1,500.

8. Dubai First Royal MasterCard

If you’re able to get your hands on this card, you should consider yourself truly lucky. Like the one in the paragraph above, you have to have an invitation to get one. In this case, the invitation comes from Dubai First Bank. What should you expect from a credit card that’s trimmed in real gold and has an actual diamond placed squarely in the center of the card? As it turns out, you should expect quite a lot.

There’s nothing you can’t buy with this card. It doesn’t come with a credit limit and there are absolutely zero restrictions tied to it, meaning that you can buy anything you want. What happens if you find a private jet that you want to own for yourself? Go ahead. No one is going to try to stop you from spending money, no matter how much you rack up. In addition, you end up with what amounts to a team of people that are by your side at your every request, around the clock. Their job is to actually do everything you want them to do so you don’t have to do anything for yourself unless you want to. If you want someone to drive you, they’ll do it. If you want a chef to cook you a five-star meal, it’s yours.

7. JP Morgan Chase Reserve Card

It probably won’t surprise you to learn that this is another invitation-only card. In order to get one of those invitations, you have to be very rich, but you also have to have a lot of money invested in JPMorgan assets. Otherwise, they won’t even talk to you. If you do happen to qualify, you get a lot of perks (albeit nothing like the ones listed for some of the other cards here). What you will get is a lot of benefits when it comes to travel. For every dollar you spend, you get three times the rewards points that can later be cashed in on any kind of travel your heart desires.

The card also has a partnership with DoorDash, Caviar and a few other companies. Whenever you use the card to pay for purchases at these places, you get special rewards. As is the case with almost every credit card on this list, they have a solid fraud protection program so you don’t have to worry about someone stealing your information and racking up huge costs that you didn’t actually approve. The card does have a $595 annual fee. That might seem like a lot to some, but it’s not really all that bad when compared to some of the other annual fees associated with credit cards for people who have loads of cash.

6. American Express Centurion Card

This card is geared toward people who are already American Express card holders with very specific spending habits. As a matter of fact, it’s been reported that the company won’t approve anyone who doesn’t spend at least a few hundred thousand dollars annually on things like fine dining and luxury items. Additionally, they won’t issue the card to anyone who makes less than $100,0000 in a year. Even then, there’s no guarantee that someone who applies for the card will actually get it. If you do get approved, you should be ready to spend some serious cash in order to access it.

Anyone who is approved for the card has to pay an initial fee of $10,000 in order to get access. After that, you’ll pay an annual fee of $5,000. What if you need a cash advance from this card? It’s doable, but it will cost you around 29.99% in order to get your hands on the actual cash. While there is an option to pay for items over time while accruing interest, American Express really prefers for you to pay for all of your purchases in full within 30 days.

5. Chase Sapphire Reserve

In order to get this card, you of course have to have excellent credit. You also have to pay a $500 annual fee. In return, you get a card that has loads of benefits associated with it. For example, you can get $9,000 in travel rewards, provided you spend $40,000 within the first 90 days of opening the account. You also get $300 in cash every year in return for money that you spent on travel throughout the previous calendar year.

You get rewards points on virtually every purchase, but this card focuses heavily on travel. As a result, you’ll get five times rewards on any and all air travel and 10 times rewards on all fine dining and hotel stays. It doesn’t take long for your travel cash to build up in a major way when you’re talking about rewards like these. Speaking of traveling, the card also gives you exclusive access to more than 1,000 different airport lounges around the world. If you love traveling but you hate sitting in a crowded airport terminal or going through a TSA checkpoint, access to exclusive terminals is reason enough to get the card, even without all of the other benefits.

4. X1 Credit Card

There’s no doubt about it, there are a lot of good things associated with this particular card. Most of the cards on this list come with a rather exorbitant annual fee. You won’t find any such thing here. In fact, the card has no annual fee whatsoever. By the same token, your annual percentage rate varies anywhere from 5% to 22%. Let’s say that you have more money than most people will ever hope to see and you’re really good at managing it. Being able to make major purchases at 5% APR is practically unheard of. That puts this card in a class by itself.

There are other perks associated with this card as well. Regardless of what you purchase, you get double rewards points on every purchase you make. If you really want to pick that up a notch, spend $15,000 in a single calendar year and the company will reward you with triple rewards points on every single dollar you’ve spent for the entire year. This is not a one-time offer, but something that is offered continuously throughout the entire time you’re a card holder.

3. Capital One Venture X Rewards Card

In order to have this card, you’ll pay a $395 annual fee. It focuses almost exclusively on travel, meaning that anyone who travels a lot would do well to put all of their travel expenses on this particular card. Doing so gives you the chance to travel more and spend less in the process. That’s because you can get 10 times the rewards on air travel and 5 times the rewards on rental cars, provided you book each one through Capital One Travel. During your first 90 days, you can also get what amounts to about $750 in free travel cash if you spend $40,000 in purchases.

You’ll also get double rewards on all other purchases and last but not least, you have access to roughly 1,400 exclusive airport lounges around the world. What if you’re not traveling alone? They allow you up to two guests at any one time, so if you would prefer to travel in style with the people you love, this card allows you to do exactly that.

2. The Business Platinum Card from American Express

This card is of course geared toward those individuals who have a lot of money and also own their own business. It gives you five times the rewards on travel, but you also get 1.5 times the rewards on things like construction materials and other costs that are associated with expanding your business. That’s something that you’re not likely to get with hardly any other credit card. More importantly, it can really add up when you’re trying to expand your business or even start a second one.

Other benefits are also geared toward keeping your business in good standing. They involve putting money toward curating financial records in order to carefully examine your spending practices and maximize your profits. There is also a special feature that kicks in if you find any abnormalities against your business credit that you want to dispute.

1. The Platinum Card from American Express

This card gives you 100,000 rewards points if you spend $6,000 within the first six months you have the account. You also get 5 times the rewards on air travel and hotel stays, provided you book your flights through American Express.

Anyone who spends a lot of money on stays at fine hotels will get $200 in cash back at the end of the year. There is also a benefit that gives you an additional $240 in cash for all digital entertainment you have purchased during the previous 12 months. They also provide access to more than 40 different exclusive airport lounges. You can even get up to $200 a year back in baggage fees. More recently, they’ve teamed up with Walmart. Anyone who wants to get a Walmart + subscription can use this card to pay for it for a full calendar year. American Express will then give you all the cash you spent on the subscription back at the end of the year.

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10 Best Prepaid Debit Cards for Teens



The world around us is changing fast, and we struggle to keep up. Kids are growing up in a different world from previous generations. They’re taking on more responsibility than ever before. Savvy parents realize that helping their children to navigate the world around them includes teaching them about finances and how to manage money. Card companies are stepping up to the task by offering debit cards designed to be a tool for parents to teach their teens about budgeting, shopping wisely, and managing money. Which cards are the best, and what is available for teens?

What to look for in debit cards for teens?

Parents should compare the various teen debit cards to get the best deal on rates for most services. Prioritize safety and security, followed by ease of use and affordability. Avoid cards that are for adult use. Instead, choose debit cards made for teenagers and marketed to parents with a desire to give their kids a head start with this valuable life skill. There are dozens, but we’ve narrowed the list to the top ten that offer the safest and best services and safeguards for children in their teen years.

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10. Greenlight Debit Card

The Greenlight Debit Card is for parents and kids as a teaching and learning tool. Parents are in charge of setting controls. They receive real-time notifications for each purchase made by teens. The card allows instant money transfers to send funds to your teen’s accounts. Receive alerts when the card is used or declined. You set the limit on where young shoppers can use the card and how much they’re allowed to withdraw from ATMs. You set the limits. The Greenlight debit is a card that lets you track balances and view the history of account activity. It works with Apple Pay or Google Pay to make mobile payments. This option is a MasterCard with a custom Zero liability protection. You can use the app to turn the cards on or off. Unsafe spending categories are blocked. The card is FDIC insured for up to a quarter-million dollars, and 24/7 customer support is available. An additional safety feature uses logging in with touch or face ID to prevent funds theft if the card is lost or stolen.

9. GoHenry

GoHenry is a debit card that helps kids learn to manage money with games. It’s for children aged six through eighteen. The card is customizable with your choice of colors, patterns, and pictures, and it comes with interactive games dealing with money missions. Players win virtual badges. Parental controls let you set limits on how, when, and where cards get used. The card works at ATMs, in stores, or for online purchases. Parents have access to the spending history through the accompanying mobile app. You can try this card for 30-days free with recurring or with one-time use. It’s free from the risk of overdraft fees. The card helps kids and teens create savings goals for users and set weekly spending limits. On the downside, you can only load the card three times per day with a limit of $500 per day across all accounts registered to the parents.

8. The Copper Debit Card for Teens

The Copper Debit Card is free for parents and teens to use. Parents have access to controls to monitor the use of the card. It helps kids learn how to budget and manage money. The card is free from the risk of overdraft fees. There are no monthly charges or minimum balance requirements. The card works at Allpoint and Moneypass ATMs to withdraw cash without paying a fee. The Copper app comes with the card. It comes with financial quizzes and resources to teach kids about savings and spending habits. Kids also have access to help them earn extra cash by completing quizzes. Kids can set up integrated savings accounts for their long-term goals. The downside is that some businesses may charge a fee. The charges can be as high as $4.95. Find out before you make a purchase. Other than that, it’s one of the best cards for kids.

7. The BusyKid Debit Card

The BusyKid Debit Card is a prepaid Visa debit card that is good for kids in advanced financial learning modes. Teens can purchase real stocks with the card for a minimum of $10 per investment. It’s an investment card that costs $3.99 a month flat. It also lets kids receive automated allowance loads. It comes with chore assignments. The drawback to this card is that parents cannot limit which retailers kids use. ATM fees are $1.50 from the BusyKid provider plus the fees charged by the ATMs.

6. The FamZoo Debit Card

FamZoo is another popular debit card for kids. The card comes with an app that allows parents to pay a weekly allowance or pay kids as they complete a setlist of chores. It also comes with parental tracking to let you know where your kid is shopping. You can use it to buy mock stocks to help your child learn about investing. Your teen can use the app to request funding from you in real-time. They can get extra cash instantly. Each account gets split into three buckets for giving, spending, and saving to help them learn solid money management habits. The cost of the Famzoo debit card is $5.99 per month. You can try it for 30-days free.

5. Brinks Prepaid Mastercard

The Brinks Mastercard is a prepaid card associated with Republic Bank & Trust Company. Te debit card issues text message and email alerts when a payment or purchase occurs. The card is t’s accepted wherever Mastercard Debit cards are accepted. There is no credit needed and no risk of overdrafts or overdraft charges. You can customize the card with your teen’s name as an authorized user on your account.

4. PayPal Prepaid Mastercard

The PayPal Prepaid Mastercard allows your teen to earn cashback and take advantage of personalized offers for using the card. The card is through Bankcorp. It provides fast movement from your PayPal account to the prepaid card instantly. You can monitor the use of the card and view the spending history of older teens. No credit is needed because it’s a debit card. PayPal is one of the leading payment services providers. You can access the account via a mobile app or the internet.

3. NetSpend Prepaid Visa Card

Netspend is by MetaBank and is FDIC insured. You can use the card wherever Visa is accepted. There are no late fees, interest charges, or overdraft fees. The NetSpend Mobile app helps your teen to manage finances. You can receive email alerts and text messages to know what your teen is spending and where they’re making purchases. It’s a safe and secure debit card that charges monthly fees based on the account balance.

2. ServeAmerican Express Prepaid Debit Account

Older teens will appreciate learning about the American Express debit card management through the Serve debit card. You can check the balance and view recent transactions on the account as your child learns how to use the card to manage money, pay for purchases, and budget money. You can send money to the card to preload set amounts. The card gives you free cash withdrawals at MoneyPass ATMs, but it charges fees for other ATMs. There are no hidden fees and no credit needed. Your teen avoids monthly charges for the account when they arrange direct deposits from their jobs of $500 or more per statement period to help them learn responsible financial practices. The card is a full0service savings account that works ideally for teens via the mobile application to help set and meet spending and savings goals. The card is reloadable to add money to the account for a small fee.

1. Mango Prepaid Mastercard

The Mango card is one of the best debit cards for teens because it comes with a Mango Savings Account with a competitive interest yield. The card helps your teen understand the importance of maintaining a spending limit and improving financial literacy. It comes with a mobile application that links the card and savings account, giving your teen the tools to send and receive money. Funds instantly load to the card with no activation, monthly, or annual fees for use.

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The Best Credit Cards for Priority Pass Lounge Access



Spending time at the airport terminus has never been pleasant. With the new (and ever-changing) health and safety requirements that have come into force since the pandemic, it’s become even more stressful than ever. If the thought of escaping the madness for a few minutes sound like bliss, there’s some good news. The resumption in travel has meant that airport lounges are back in business. The even better news is that providing you have the right piece of plastic in your wallet, you won’t have to pay to get in. With a Priority Pass credit card, you’ll enjoy access to over 1200 airport lounges worldwide with Priority Pass Select Membership. Here’s our pick of the 10 best credit cards for Priority Pass Lounge Access on the market.

10. Hilton Honors American Express Business Card

For a very reasonable annual fee of $95, the Hilton Honors American Express Business Card offers some very solid benefits. Cardholders receive complimentary Priority Pass Select membership with access to over 1,200 lounges worldwide. Visits are capped at 10 per year, with each visit after that charged at $32. New cardholders will receive a welcome bonus of up to 130,000 Hilton Honors Bonus Points when they spend a minimum of $2,000 on purchases in the first three months of card membership, and a further 50,000 Hilton Honors Bonus Points if they spend $10,000 in purchases in the first 6 months of card membership.

9. U.S. Bank Altitude Reserve Visa Infinite Card

The U.S. Bank Altitude Reserve Visa Infinite Card offers numerous perks, not least a complimentary Priority Pass Select membership with access to over 1,200 lounges worldwide. Cardholders are entitled to four free visits per year along with four free guest passes. On top of that, the card also offers a very generous $325 annual credit for eligible travel purchases. The only flipside is that you’ll already need to have an account with U.S. Bank to apply.

8. The Business Platinum Card from American Express

An annual fee of $595 isn’t to be taken lightly, but fortunately, the Business Platinum Card from American Express comes with enough perks to offset the cost. In addition to gaining complimentary Priority Pass Select membership with access to over 1,200 lounges worldwide for themselves and 2 guests, cardholders can also access Amex’s own Centurion Lounges, Delta Sky Clubs, Escape, Airspace, Plaza Premium, and certain Lufthansa lounges. Other perks include a very generous welcome bonus of 120,000 Membership Rewards points when you spend $15,000 on eligible purchases within the first three months of card membership, a Global Entry or TSA PreCheck application fee refund once every four years, Gold status with Hilton Honors and Gold Elite status with Marriott Bonvoy, along with numerous other benefits.

7. Marriott Bonvoy Brilliant American Express Card

If you’re a frequent guest at Marriott Bonvoy who wants to combine hotel perks with travel benefits, you might want to consider the Marriott Bonvoy Brilliant American Express Card. In addition to receiving unlimited access Priority Pass Select membership for themselves and up to two guests, cardholders can also claim up to $300 in statement credits for all eligible purchases made on the card at participating hotels, along with up to $200 statement credits for eligible purchases at restaurants within the first 6 months of account opening.

6. Citi Prestige

Citi Prestige might not come with the travel protections it used to, but it’s still got a very healthy list of perks. In addition to offering cardholders unlimited Priority Pass lounge access for themselves and up to 2 guests, the card also comes with access to Priority Pass restaurants, along with a generous rewards program that offers 5x earnings on eligible restaurant purchases.

5. Mastercard Black Card

Frequent flyers are unlikely to find much to fault with the Mastercard Black Card. As well as offering access to over 1200 airport lounges worldwide, it also includes credits at select airport restaurants for the cardholder and one guest. Other benefits include an annual airline credit of up to $100 in statement credits that can be used towards flight-related purchases, up to $100 application fee credit for the cost of TSA Pre or Global entry, complimentary concierge service, and cell phone protection.

4. Hilton Honors American Express Aspire Card

According to The Points Guy, the Hilton Honors American Express Aspire Card is the best all-around Hilton card. In addition to receiving complimentary lounge access for themselves and up to 2 guests, cardholders will also qualify for automatic top-tier Diamond status, along with an annual free weekend night, up to $250 in statement credits for purchases at participating Hilton Resorts, and up to $250 in annual statement credits for airline incidentals. On top of that, they’ll receive up to $100 in credits for bookings made via for a two-night-minimum stay at participating Waldorf Astoria Hotels & Resorts and Conrad Hotels & Resorts.

3. Hilton Honors American Express Surpass Card

As Forbes notes, the Hilton Honors American Express Surpass Card offers ten complimentary visits to lounges in the Priority Pass network each year. In addition, cardholders benefit from a complimentary Hilton Honors Gold status and a generous points program that rewards them with 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating properties within the Hilton portfolio, 6 points per dollar on eligible purchases at U.S. restaurants, supermarkets, and gas stations, and 3 points per dollar for all other eligible purchases. The annual fee is a very reasonable $95.

2. Chase Sapphire Reserve

As says, the Chase Sapphire Reserve is one of the most popular premium travel rewards credit cards on the market. The annual fee may be a hefty $550, but the benefits (which include Priority Pass lounge access at over 1200 airport lounges for the cardholder and 2 guests along with a $28 credit towards food and beverage purchases at airport terminal restaurants) are significant enough to offset the cost.

1. The Platinum Card from American Express

A $695 annual fee may sound daunting, but for frequent flyers at least, the fee pales in comparison to the plethora of benefits provided by the Platinum Card from American Express. Once enrolled, cardholders will gain access to lounges in 140 countries through the Global Lounge Collection and the Priority Pass network, along with American Express Centurion lounges. Cardholders flying Delta same-day can also access Delta SkyClub lounges. In addition, cardholders will receive a generous welcome bonus of 100,000 Membership Rewards Points if they spend $6,000 on purchases on the card in the first 6 months of card membership. After that, they’ll receive 10x points on eligible purchases made at restaurants worldwide and at Shop Small locations in the U.S., along with 5x points per dollar on flights, 5x points on hotels booked with American Express Travel, and 1 point per dollar on all other eligible purchases.

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