Top 10: Premium Credit Cards for High Rollers (Or Those Who Think They Are)

by on July 23, 2013 · 48 comments

in American Express, Elite Status, Top 10, United

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Update: The offer mentioned below for the Platinum Card from American Express has expired. View the current offer here.

Update: The offer mentioned below for the Business Platinum Card from American Express has expired. View the current offer here.

Credit cards are kind of like automobiles – there’s a wide range from your cheap, no-frills starter cards all the way up to your tricked-out Maseratis and Bentleys. Today I’d like to take a look at the creme de la creme of travel credit cards with some of the highest annual fees out there, and just what you get for all that money. Even though I don’t qualify for most of these cards myself, sometimes it’s fun to imagine taking them for a test drive.

1. The Platinum Card from American Express
Type: Personal and Business versions
Current Sign-Up Bonus: The personal version has a 25,000 points when you spend $2,000 in 3 months and 50,000 points after $3,000 in 3 months with the Mercedes-Benz version. 25,0000 points when you spend $5,000 in 3 months for the business version
Key Perks: Benefits include a $200 annual airline rebate, lounge access to Delta, American and US Airways lounges, Priority Pass Select membership, a $100 refund when you apply for Global Entry, Starwood Gold status, access to the Fine Hotels and Resorts Program, no foreign transaction fees. The Business Platinum card also has exclusive OPEN Savings benefits, and points are worth 25% more than with the personal version when you use Pay With Points.

Update: Beginning March 22, 2014, American Express Card Members will no longer have access to American Airlines Admiral Club and US Airways Club airport lounges through Airport Club Access / Airport Lounge Program. This means that Card Members will no longer be able to gain complimentary access to the American Airlines airport lounges (known as Admirals Club lounges) or the US Airways Club airport lounges as a benefit of their Platinum Card Membership.

Annual Fee: $450 for the business and personal versions, $475 for the Mercedes-Benz version
My Take:
Although $450/$475 seems like a big pill to swallow, I’ve carried this card for years because the value of the lounge access for me outweighs the annual fee because I fly both Delta and American frequently and I’d be paying over $900 a year for memberships with each lounge. The $200 yearly airline credit, which is very easy to use, makes it reasonable, and then when you add on lucrative sign-up bonuses, these cards become a no-brainer, though they are not the best American Express cards for earning points- for that I use my Premier Rewards Gold (3x points on airfare, 2x gas and grocery with a 15,000 point bonus upon spending $30,000 each calendar year).

Receive a companion

Receive a Companion Certificate with the Delta Reserve Credit Card.

2. Delta Reserve
Type: Personal and Business
Current Sign-Up Bonus: 10,000 Delta Medallion Qualification Miles (MQMs) after your first purchase.
Key Perks: Complimentary Delta Sky Club access for you and 2 guests, lucrative MQM earning ($30,000 spend in a calendar year earns 15,000 miles and 15,000 MQMs; $60,000 in a calendar year earns an additional 15,000 bonus miles and 15,000 MQMs), Companion Certificate, enhanced Medallion upgrade priority, 2 miles per $1 spent on Delta purchases.
Annual Fee: $450
My Take: If you’re a frequent Delta flyer and value lounge access and the ability to earn 30,000 MQMs per year based on spending, this is the most lucrative Delta card you can get. Also, if you leverage the companion ticket, that alone can easily cover the annual fee – and unlike many other companion tickets you’re able to use it on the cheapest fares. However, if lounge access is your top priority, I’d recommend going with one of the Amex Platinum cards because Membership Rewards points are more valuable since they transfer to Delta and over 20 other partners.

3. United Club Card
Type: Personal
Current Sign-Up Bonus: $100 statement credit after your first purchase.
Key Perks: United Club membership, which gives you and your travel companions access to all United Club locations and participating Star Alliance lounges worldwide, free checked bags for you and a companion, priority check-in and boarding, no foreign transaction fees, 1.5 miles.
Annual Fee: $395 – if you sign up for this card in a Chase branch, the annual fee will be waived for the first year.
My Take: You used to be able to get United lounge access with the Amex Platinum card, but that changed in 2011. Now if you want access, you need to pay and they just increased fees across the board, so the $395 annual fee is cheaper than buying membership outright. Getting the first year free is a no-brainer. While many cards are offer 2X-10X bonuses on certain categories, having a 1.5 earning base ratio on United miles (which I think are the most valuable miles out there) is great for all those expenses that fall between bonus spending categories.

70,000 points are good for one free night at a

The 70,000 sign-up points are good for one free night.

4. Ritz-Carlton Rewards Credit Card
Type: Personal
Current Sign-Up Bonus: 70,000 Ritz Carlton Rewards points after you spend $2,000 in the first 3 months.
Key Perks: Automatic Gold status the first year and every year after when you spend $10,000, three club level upgrades annually subject to availability, $200 annual airline credit, $100 credit to use on-property for dining and spa with every 2-night stay, Priority Pass Select lounge access, no foreign transaction fees, earn 5X points per $1 at Ritz-Carlton and 2X points per $1 on most airline, car rental and dining purchases.
Annual Fee: $395
My Take: The value of this card really depends on how much you value the Ritz-Carlton club-level upgrades. Once you subtract the $200 airline . Club level upgardes are available 3 times per year up to a week each – easily saving your hundreds of dollars if you use wisely. The Priority Pass Select is also an Amex Platinum benefit, and if lounge access is your key goal, I’d rather go for one of those cards because you get more valuable, flexible points. This card is really best for those who plan to stay at Ritz-Carlton and Marriott frequently and will get a lot of value out of elite status and upgrades.

Screen Shot 2013-07-22 at 8.02.43 PM

5. Citi ThankYou Prestige
Type: Personal
Current Sign-Up Bonus: 30,000 ThankYou points after you spend $2,000 within 3 months.
Key Perks:  $200 in statement credits annually for airline fees, $100 Global Entry application fee credit, an annual worldwide companion ticket booked through Citi’s travel benefits provider, complimentary 4th night stay at luxury hotels, no foreign transaction fees, chip-based technology, earn 2 points for every $1 at restaurants, and earn one point for every mile flown when you purchase an airline ticket with your card, Airport Angel lounge access, points transfer to Hilton.
Annual Fee: $450
My Take: With the devaluation of the lower-end ThankYou cards, the Prestige is probably the best bet for big spenders considering you get 1.33 cents per point in value when redeeming ThankYou points, and the companion ticket can save the annual fee. That said, ThankYou points are not as valuable as other currencies – they can’t be transferred to any airline programs – so I’ve never been intrigued on these cards and will continue to pass on them unless there’s a big change in the value proposition of the program.

This is the pamphlet I received in the Admirals Lounge.

This is the pamphlet I received in the Admirals Lounge.

6. Citi Executive AAdvantage World MasterCard
Type: Personal
Current Sign-Up Bonus: 50,000 miles after spending $5,000 in 3 months – I found this offer in a pamphlet in the American Airlines Admirals Club Lounge.
Key Perks: Admirals Club membership, earn 2 AAdvantage miles per $1 spent on American Airlines purchases and when you spend $40,000 or more in a calendar year you will earn 10,000 Elite Qualifying Miles (EQMs), one free checked bag, priority boarding and 25% savings on in-flight purchases. This card comes with SmartChip technology and no foreign transaction fees.
Annual Fee: $450
My Take: American historically has been very stingy with the ability to earn elite qualifying miles by any way other than by flying, so if you need a boost, this is really the only way to do it without getting on a plane. Just note that if you usually qualify for elite status on Elite Qualifying Points, that the EQM spending boost won’t count.

The Palladium Card comes with a book explaining the various benefits.

The Palladium Card comes with a book explaining the various benefits.

7. JP Morgan Palladium
Type: Personal
Current Sign-Up Bonus: None.
Key Perks: Full Priority Pass membership, earn 35,000 bonus Ultimate Rewards points when you spend $100,000 annually, earn 2X Ultimate Rewards points per $1 on travel and 1 point per $1 on all other purchases, complimentary upgrade to first class with each purchase of a round-trip business class ticket from the U.S. to London on British Airways and a complimentary companion ticket for each full-fare, non-restricted, round-trip business class ticket from the U.S. to anywhere British Airways flies. Access to Palladium Concierge, and Marquis Jet Perks. This card is only available for private banking clients but
Annual Fee: $595
My Take: The key here is that it gives you full Priority Pass membership, so it gets you into United Clubs and Alaska Boardrooms as well as a ton of other independent clubs. Frankly, in terms of the spending bonus, if you are putting this much on your credit card, you’re probably better off getting Sapphire Preferred for its 2X spending bonuses on dining and travel, the rotating 5X category spending bonuses on the Freedom, or the Ink Bold and Ink Plus‘s 5X and 2X category spending bonuses. Depending on what you spend your money on, you’ll probably earn more points by leveraging the cheaper cards – especially since they all have sign-up bonuses.

8. American Express Centurion
Type: Personal and Business
Current Sign-Up Bonus: None.
Key Perks: Along with all the benefits of the Platinum cards, this card also comes with membership in the Gulfstream Aerospace Private Flyers Club, Virgin Atlantic Flying Club Gold status, as well as US Airways Platinum Preferred and Delta SkyMiles Platinum Medallion status. Cardmembers have access to a dedicated concierge service and travel agent, complimentary companion airline tickets on international flights on select airlines, first-class flight upgrades and access to airport club as well as membership in Sony’s Cierge personal shopping program and dozens of other elite club memberships. During stays at Mandarin Oriental worldwide, receive on free night every year when at least one paid night is booked and receive privileges at hotel chains like Ritz-Carlton, Leading Hotels of the World, and Amanresorts.
Annual Fee: The card requires a one-time initiation fee of $5,000 and then has an annual fee of $2,500.
My Take: $7,500 is a huge pill to swallow, though to pay $2,500 a year for mid- to top-tier elite status isn’t terrible if those statuses can get you upgrades and save you money. In general, however, most of the people who want this card simply want it for the cache. I’m not a cardholder myself, though I know several, and they tell me the concierge service really isn’t all it’s cracked up to be. If you already have elite status, you’re better off getting yourself the Platinum card and saving yourself all that cash every year.

The Visa Black Card comes with a $495 annual fee.

The Visa Black Card comes with a $495 annual fee.

9. Visa Black Card
Type: Personal
Current Sign-Up Bonus: 25,000 bonus points when you spend $1,500 in the first 90 days.
Key Perks: Priority Pass Select membership (so no United Club access), 24 hour access to the card’s concierge service, no foreign transaction fees.
Annual Fee: $495
My Take: This is basically a 1% cash back card and you get 2 cents per point in value when redeeming for airline tickets, which is not impressive. Bottom line, this is a “wannabe” Amex Platinum card with a higher annual fee and less valuable points.

10. Bank of America Accolades Card 
Type: Personal
Current Sign-Up Bonus: None.
Key Perks: Priority Pass membership, earn one WorldPoint for every dollar that you spend on the card, which you can redeem for airfare at rates of up to 1.6 cents per point. Special offers on first and business class international airfares and luxury hotel offerings as well as cruises.
Annual Fee: $295 though it is waived for private client members of Bank of America with more than $200,000 in assets with their private wealth management unit.
My Take: Though the annual fee on this card is lower than the others on this list, the only real perk here is that Priority Pass membership, which can be valuable if you plan to use lounges a lot, but if that’s the case, you might as well get the Amex Platinum card instead since you get access to Priority Pass lounges as well as American, Delta and US Airways lounges, plus the $200 airline fee rebate, which brings the annual fee on that card below the fee on this one.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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  • Danny

    Just a note for anyone who might go through the same disappointment I had – The ‘corporate’ platinum amex is different than the ‘business’ platinum amex and only comes with some of the benefits. For instance – no 200 dollar airline credit. I do get into airline lounges and into the Priority Pass program though.

  • Goat Rodeo

    One quick note on the RC card: you get 5x points at marriott now as well, which makes the card more useful. In its current metal form, the card also doubles as a paperweight.

  • LB

    Palladium Card. Ball so hard. Jay Z can get one. Rick Ross can’t.

  • Gary Leff

    United Club card you mention “You used to be able to get United lounge access with the Amex Platinum card, but that changed in 2011.” but to be clear the benefit was Continental lounge access.

    Re Citi Executive card, worth noting that one play for AA EQMs may be to get the US Airways card which won’t go away immediately with the merger, it has a lower fee and lower spend requirement for earning 10k EQMs.

    Ritz-Carlton card is an impressive piece of plastic, more bling that the Sapphire Preferred. Eligible rates are key to benefits here unfortunately.

    Palladium card doesn’t get “full Priority Pass” it gets Lounge Club with included visits (though it’s the same company) and Red Carpet Club membership. It also comes with primary rental CDW. I’d push back on “if you are putting this much on your credit card, you’re probably better off getting Sapphire Preferred for its 2X spending bonuses on dining and travel” .. Sapphire Preferred gets 2x on dining while Palladium doesn’t and 7% annual bonus, both cards get the 2x on travel. So which one earns more aside from the initial Sapphire signup bonus depends on how much you spend on dining. Hard to believe you’d rate TY Prestige higher than Palladium.

  • Trajan81

    I’m sitting on a pretty large stack of TY points (5x GGD bonus) and am considering getting the Prestige to start burning some of them, especially with the downgrading of the Premier benefits. One thing I was curious about was the international companion pass and 15% discount on tickets…can you use your TY points pay for a ticket at the 1.33 rate and get the pass/15% discount as well?

  • Phil

    cachet, not cache. :-)

  • neil

    PD card doesn’t have companion ticket benefits anymore nor does it offer PP. It offers Lounge Card, though also a United Club Card and a Delta SkyClub card upon request…

  • Dharm Guruswamy

    I would never rate any card which earns Skypesos so high. Unless, you actually fly Delta Reserve card is useless. In contrast, the Amex Plat in addition to lounge access directly with USAir (going away), Delta and American includes such perks such as Gold status with SPG. The UA Club card includes Platinum status with Hyatt and mid tier elite status with Avis.

    Meanwhile, a United Club membership with is included with United Club card gets you into any * Alliance operated business class lounge. Meanwhile a Skyclub membership doesn’t automatically get you into every Skyteam airline operated lounge and Skyteam is much smaller than * Alliance.

  • thepointsguy

    They will give you full SkyClub membership if you ask for it? I heard about the United membership, but did not realize Delta as well.

  • thepointsguy

    The US angle *may* be an option, but since the merger isn’t approved yet, I don’t want to recommend something that may not work out. Even if the merger is approved this year, they may not combine EQMs from both carriers for 2014 qualification.

    And as for rankings- these aren’t in order of which is better than another- it really all depends on your needs/spend. And I’d argue that getting Sapphire Preferred with a 40k signup bonus and 2x on dining and a 7% annual dividend is still better than Palladium with a 0 sign-up and 35k bonus at 100k spend/2x travel, if you’re just looking to earn points over the long run.

  • thepointsguy

    Yea, Amex corporate cards are no fun (though at least you can earn MR points if your company allows). But they are restricted from pretty much every Amex promotion, including Small Business Saturday and all of the Foursquare/Facebook promos.

  • Gary Leff

    I think the listing of 1-10 confused me into thinking it was rank order, and especially because I was chugging along with the ranking at the start of the list thinking the ordering was quite defensible.

    My suggestion isn’t to spend $25k on the US Airways card in 2013 on the expectation of combining for 2014 status, rather that it’s likely to be an option for 2014 spending though of course this remains uncertain.

    After the Sapphire Preferred signup bonus, Palladium may be more rewarding for folks who spend $100k per year on the card though likely not outrageously so. The card may or may not be better than Sapphire, it’s personal circumstance, value of primary CDW.. United Club + Lounge Club… the concierge service which I’m told is very good, etc.

  • RJCAthens

    With regard to your comment on the Delta Reserve card, “unlike many other companion tickets you’re able to use it on the cheapest fare.” That was not my experience. When you enter the certificate number at it filters for certain fare classes (“A” and “I” I think). I just flew with someone ATL-LAS, and we were able to buy two “P” fare first class tickets for less than it would have cost to buy the “A” fare ticket required to use the companion certificate.

  • Liam

    Does the lounge access for the AmEx Platinum include access to international Admirals Club lounges (e.g. Qantas lounges in Australia)?

  • James

    Qantas lounges aren’t Admirals Club lounges, it’s just that AA and QF have a reciprocal access agreement if you are a paid member of the other lounge (and higher status pax obviously can access it as a OW Sapphire/Emerald).

    I don’t know for certain, but I would expect it depends on whether the Platinum Amex gives you free _membership_ of the Admirals lounge (with a real Admiral lounge card) or gives you free _access_ when you show your credit card.

    As far as I know (I’m an Aussie fwiw), there are no credit cards which give regular Qantas lounge access, many just give you one or more single-use entry passes.

  • Ganesh

    The Bank of America Accolades Card is no longer offered. It was also re-named the Merrill Lynch Accolades Card sometime back. Either way, not available AFAIK.

  • GameofT

    One does not simply “choose” to get a Centurion Card

  • DavidYoung2

    The Amex black also gets you into the Centurion Lounge. If the first one at LAS is any indication, it’s a huge benefit. Top notch bar and great food. Although the website shows a ‘menu,’ it was premium buffet type. Beef shortribs w/ polenta, tomato/pesto sandwiches, etc. The guest to waitstaff ratio was about 4/1.

  • Corky

    I had a similar experience with using a voucher. Searching for a flight from MSP to BGM without the voucher showed a fare of about $219 (good sale). With the voucher entered into the search the lowest fare was $550 because the ticketing system was forcing one of the segments into a higher fare class. I screenshotted the whole thing and got on the phone. The rep acted like this was really unusual and manually gave me the $219 fare. I’m 99% sure Delta has coded their reservation system to force higher fares on companion tickets and denied boarding vouchers even though the T&C of the vouchers and companion tickets lacks language restricting fare classes.

  • Lark

    Gary – How dare you!

    “Ritz-Carlton card is an impressive piece of plastic, more bling that the Sapphire Preferred.”

    My RC Rewards card is METAL, and is the heaviest credit card I or anyone I ever hand it to has ever felt in their hand. I can’t tell you how important this makes me feel…

    I have to switch my wallet from my back left to my back right pocket regularly in order to prevent back problems carrying this card.

    **Now that I will receive Marriott / Ritz Gold through my UA status, I may just get rid of this card though…

  • Andrew

    I have the Visa Black card and I think it’s a good card. I signed up last year and got the 25K points after $1500 in spend. I used that 25K Points for plane tickets.. So I got $500 in flight credit as 25,000 equated to $500 when redeeming for airline tickets. This quickly offsets the annual fee. I have received gifts such as Ray Ban Sunglasses 2x a year, hats, pens w/name on it. The lounge membership is nice. You commented 2 cents per point is “not impressive” there aren’t many cards out there have this sort of redemption. I buy lots of Vanilla w this card and use for plane tickets. 2 $500 Vanilla Reloads cost $7.90 and I get $20.15 in airline tickets, that’s not bad in my book. I had a couple service issues last year and they waived the annual fee this year without causing much of a fuss. Card is hard to beat with no fee, obviously. Not sure if I will keep it next year as I have over 20 cards and $400,000 in available credit and don’t want to pay $495 as I already have cards such as Amex Plat, Sapphire Pref, Ritz Carlton, etc

  • Jumus

    One doesn’t “choose” to get any of these cards. “One” must be approved….

  • Brian L.

    Well, in order to get the Centurion card, you need to be invited by AmEx. You can’t apply for it like you can for the other cards on this list.

  • Miles

    No. You can only use one benefit per booking.

  • Miles

    US Airways lounges are becoming Admirals Clubs — hardly “going away.”

  • Dharm Guruswamy

    Miles, you are correct. However, I wonder if Citi will continue to allow the “new” AA to continue its partnership with AA. The reason I say that is that with merger of CO and UA, the CO clubs were eliminated from the Platinum Card benefits. Citi will push hard for AA to sever its relationship with Amex so that it can push its premium credit card which includes an Admirals Club membership.

  • Miles

    It’s possible, but I’m not convinced Citi is in a position to be asking a bunch of favors right now.

  • Miles

    You don’t get a “real” Club membership with the Amex Platinum.

  • Dharm Guruswamy

    Why not? When Continental participated in the Amex Platinum lounge program, Chase issued their credit cards along with those for United. Remember, it was a merger but mostly Continental Airlines management that took over the new United. When the dust settled, the new United run by mostly Continental management was out of the Amex lounge program. Now you have two airlines merging, both of which are in the Amex lounge program. However, AA is technically in bankruptcy and Citi will issue the new American’s credit cards. Why wouldn’t they be in a position to demand a withdrawal from the Amex Platinum lounge program. Sure, they’d lose some revenue as Amex pays them for each customer, but they could make that up having the new airline participate in Priority Pass (right now US Airways does and American does not) which also pays for each use.

  • Miles

    In that case, Chase issued both cards, so they had a lot more pull. With this merger, Barclays, who has long backed Parker, is being pushed out in favor of Citi and there are probably lots of parties who would love to issue the cards for the world’s largest airline.

    Could it happen? Sure. But Citi doesn’t have the position of power Chase did, so this will probably be a very different story.

  • Dharm Guruswamy

    On the contrary, Citi is in great shape. Information, revealed in AA’s bankruptcy documents shows that Citi has a lien on AA’s slots at slot controlled airports like LHR. AA also owes Citi a lot of money so NO ONE is taking the credit cards away from Citi. For Citi, to kick Amex in the chin could cost them some money, but they could ask the new AA to drop Amex Plat access to the AAdmirals Clubs in exchange for some debt forgiveness.

  • ER

    Brian, It is clear you do not have a Centurion Card or truly understand all of the benefits. I have several cards on your list, some based on your blog, but the Centurion is by far the best card without question. Maybe not for racking up membership rewards points but for all of the other benefits. I got mine many years ago when there was no initiation fee and annual fees were 1k, but since they have gone up to 2500 a year for both primary and additionals. That said, the benefit I get out the card is many times greater than the fee. I would simply say that if one understands the benefits and uses them, this is the best card to have without fail.

  • Miles

    Yes, Citi does have a lien, but that doesn’t guarantee them everything you think it does.

    In the Q3 USAir conference call, Parker said “I’m not going to give you much specifics because we’re hot and heavy in negotiations with Barclays and Citi right now on the outcome of that.”

    He’s clearly willing to pit them against each other.

    Citi would, I’m certain, much prefer to be the sole provider of AA cards so they have to fight that battle first. Furthermore, the lose of both US and AA lounges which be a huge blow to Amex, and I wouldn’t be surprised if they’re already working to protect their interests. (Amex also issues BusinessExtrAA credit cards in the US and regular AA cards in other countries, so I think they probably have a deeper agreement and business relationship than you might expect.)

    Could it happen? Sure. But is it likely? I’m not inclined to believe so.

  • Darth Chocolate

    Did you forget the buy one-get one if you book a full fare Business Class ticket on many airlines?

  • Dharm Guruswamy

    Looks like Citi will be provider of credit cards for the new American. In addition, Citi is marketing their new card which includes AAdmiral’s Club membership like there is no tomorrow and it even comes with a 60,000 mile bonus right now.
    Amex has built lounges in Dallas and Las Vegas and is building even more for its Platinum and Centurion cardholders. I don’t think Amex has lost AAdmiral’s club admission for its Plat and Centurion cardholders yet, but Citi is obviously pushing the issue.

  • Dharm Guruswamy

    @ Miles – I hate to say I told you so, but I was right. Effective March 1, 2014 the Citi Executive card becomes the only credit card that gains you admissions to the AAdmiral’s Club.

  • Doug

    and when I got my card, I had to purchase $250k per month for 12 months to have the honor of having the card.
    Up to 2014 I have never questioned the value of this card however with Continental, Holiday Inn, and US Air all pulling out of the program in recent past, I am hoping they come to the table with something special or I may just settle for owning a Platinum card

  • Doug

    I own one as well and agree with you to a point
    Losing Continental, Holiday Inn, and USAir as of late is a blow to me as I frequented them all

  • Doug

    This card is a joke. It is an attempt to copy the TRUE Black card by American Express
    I have had this card for two years and will be cancelling it and moving my LOC to the USAir card or Carnival cards that Barclay also offers

  • Tom In Boston

    I agree Doug- the loss of American and USAirways are a major hit to
    Centurian benefits. I’ll go to platinum too if something significant isn’t announced.

  • Pablo

    I just received an invitation for the Visa Black Card and in their brochure it says “have 2x the value of American Express Platinum”, info valid and verified by the Points Guy on 03/01/2014. Could you please explain? Thanks.

  • Jumus

    And would ONE please be kind enough to explain those benefits instead of just saying its the best card without question. Thanks.

  • jumus

    It would be good to mention that not all of these card are equal by a long shot. The Palladium Card requires you to have at least 25 million dollars in an investment account with JP Morgan. This is the top tier by far of all the cards listed above, even the Amex Centurion is a joke compared to this..

  • thepointsguy

    That is not true. To be a chase private banking client you just need a couple hundred thousand (and I know people they’ve waived that for).

  • miguelo

    You can’t apply for the Palladium card as well, you need to have at least $25 million in assets at JP Morgan to get the card.

  • Eli

    Palladium Card can be applied for by simply being part of Chase Private Client which can be obtained by a banking relationship of $250k+

  • MrJorgeV

    Hi TPG! I just received an offer from the Visa Black Card indicating they offer 2X the value of the Amex Platinum as “verified by as of 08/01/2014″. Wanted to check in with you to see if things have changed since this post.


  • Rollwave2009

    The Ritz Carlton card increased the air credit to $300 from $200 in order to compensate the changes they made(at our loss). So, now, even if you don’t stay with ritz, this card itself only cost you $150 a year for Lounge Club access at most major hubs. If you do stay with Marriott, then you are all set with this card(same hotel anyway). And the package they sent with the card is as high-end as you can ask for, if you do crave the elite status feeling. My only concern is how free nights come alone after a while, since my SPG card has given me many free nights as their main perk. hopefully this card won’t disappoint too much.

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