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What is a Black Card and How to Get One

If you're looking for a credit card that offers unparalleled prestige, luxury, and exclusivity, you may have heard of the elusive "black card". But what exactly is a black card, and how can you get one?

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A black card is a term used to describe a premium credit card that is typically made of metal, has a very high or no spending limit, and offers a range of perks and benefits for high-net-worth individuals. These cards are often invitation-only and require excellent credit scores, high incomes, and hefty fees.

While having a black card can certainly make you stand out from the crowd, it also comes with some drawbacks, such as high annual fees, strict eligibility criteria, and limited availability. In this article, we'll explore what a black card is, how to get one, and some of the best alternatives that offer similar or better value.

The Original Black Card: The Amex Centurion Card

The most famous and sought-after black card is the Centurion Card from American Express, also known as the Amex Black Card. This card was launched in 1999 as an exclusive offering for select Amex customers who spent and paid off large amounts on their existing cards.

The Amex Centurion Card is not open for applications; you have to be invited by American Express to join. To qualify for an invitation, you need to have an excellent credit score (800 or above), a high net worth, and spend at least $350,000 to $500,000 across all your Amex accounts in a calendar year.

If you receive an invitation, you'll have to pay a $10,000 initiation fee and a $5,000 annual fee to get the card. In return, you'll enjoy some incredible benefits, such as:

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• Complimentary elite status across four hotel chains (Marriott, Hilton, Intercontinental Hotels Group, and Relais & Châteaux) and with Delta Air Lines

• Airport arrival services, including expedited customs clearance, luggage assistance, and car service

• Access to over 1,200 airport lounges worldwide through Priority Pass Select, Delta Sky Club, American Express Centurion Lounges, and more

• Up to $200 in annual airline fee credits for incidental charges such as baggage fees, seat upgrades, and in-flight purchases

• Up to $100 in statement credits every four years for Global Entry or TSA PreCheck application fees

• A personal concierge service that can help you with travel bookings, restaurant reservations, event tickets , and more

• Access to exclusive events, experiences, and offers through the By Invitation Only program

• A $200 annual credit for purchases at Saks Fifth Avenue

• A $100 annual credit for purchases at Dell

• Complimentary memberships to CLEAR, ShopRunner, and The New York Times

• Travel insurance and protection, such as car rental loss and damage insurance, baggage insurance plan, travel accident insurance, and premium global assist hotline

• Purchase protection, return protection, extended warranty, and fraud protection

As you can see, the Amex Centurion Card offers a lot of value for frequent travelers, shoppers, and diners who can afford the high fees and meet the strict requirements. However, it's not the only black card out there. In fact, there are some other cards that may offer better rewards, lower fees, or more flexibility than the Amex Black Card.

Black Card Alternatives from Other Issuers

If you're looking for a black card alternative that suits your needs and preferences better than the Amex Centurion Card, you have plenty of options to choose from. Here are some of the best black card alternatives from other issuers that you may want to consider:

Chase Sapphire Reserve

The Chase Sapphire Reserve is one of the most popular premium travel cards on the market. It has a $550 annual fee, which is much lower than the Amex Centurion Card's fee. It also offers a generous welcome bonus of 60,000 points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $900 in travel when you redeem through Chase Ultimate Rewards.

The Chase Sapphire Reserve also offers some amazing benefits for travelers, such as:

• A $300 annual travel credit that automatically applies to any travel purchase you make with the card

• A 50% bonus on point redemptions for travel through Chase Ultimate Rewards

• Access to over 1,300 airport lounges worldwide through Priority Pass Select

• A statement credit of up to $100 every 4 years for Global Entry or TSA PreCheck application fees

• A complimentary year of Lyft Pink membership (worth $199) and a complimentary DashPass subscription from DoorDash (worth $120)

• A 10% anniversary point bonus on all purchases made with the card in the previous year

• A $60 annual credit for Peloton Digital and All-Access Memberships through December 31, 2021

• 3X points on travel (after earning your $300 travel credit) and dining at restaurants worldwide

• 1X point per dollar spent on all other purchases

• No foreign transaction fees

• Travel insurance and protection, such as trip cancellation/interruption insurance, trip delay reimbursement, emergency evacuation and transportation coverage, travel and emergency assistance services , and more

• Purchase protection, extended warranty, and fraud protection

The Chase Sapphire Reserve is a great card for anyone who wants to earn and redeem points for travel, as well as enjoy some of the best travel perks and protections available. You can also transfer your points to 13 airline and hotel partners, such as United, Southwest, Hyatt, and Marriott, for even more value and flexibility.

Capital One Venture Rewards Credit Card

The Capital One Venture Rewards Credit Card is another excellent travel card that offers a simple and flexible rewards program. It has a $95 annual fee, which is much more affordable than the Amex Centurion Card's fee. It also offers a generous welcome bonus of 60,000 miles after you spend $3,000 on purchases in the first 3 months from account opening. That's worth $600 in travel when you redeem through Capital One Travel.

The Capital One Venture Rewards Credit Card also offers some great benefits for travelers, such as:

• 2X miles per dollar spent on every purchase, every day

• A statement credit of up to $100 every 4 years for Global Entry or TSA PreCheck application fees

• Access to over 1,300 airport lounges worldwide through Priority Pass Select (enrollment required)

• No foreign transaction fees

• Travel insurance and protection, such as travel accident insurance, auto rental collision damage waiver, and 24-hour travel assistance services

• Purchase protection and extended warranty

The Capital One Venture Rewards Credit Card is a great card for anyone who wants to earn and redeem miles for travel, without having to worry about categories or restrictions. You can also transfer your miles to 15 airline and hotel partners, such as JetBlue, Air Canada, Wyndham, and Accor, for even more value and flexibility.

The Platinum Card from American Express

The Platinum Card from American Express is another premium card from Amex that offers a lot of value for travelers. It has a $695 annual fee (See Rates & Fees), which is higher than most other cards, but lower than the Amex Centurion Card's fee. It also offers a generous welcome bonus of 100,000 Membership Rewards points after you spend $6,000 on purchases in the first 6 months from account opening.

The Platinum Card from American Express also offers some amazing benefits for travelers, such as:

• 5X Membership Rewards points on flights booked directly with airlines or with American Express Travel (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel

• 1X Membership Rewards point per dollar spent on all other purchases

• Access to over 1,200 airport lounges worldwide through The American Express Global Lounge Collection, including The Centurion Lounge, Delta Sky Club, Priority Pass Select, and more

• Up to $200 in annual Uber Cash for rides or eats orders in the US when you add your card to your Uber account

Up to $200 in annual airline fee credits for incidental charges such as baggage fees, seat upgrades , and in-flight pu