The 1. 2 Most Exclusive Credit Cards on the Planet. Credit cards have become part of our everyday lives and many of us would simply be lost without them (if a little more debt free!).

This Month’s Best Credit Cards;. Usc Credit Union Atm Finder. What Is the Most Valuable Rewards. The three most valuable non-hotel flexible rewards currencies are. How Credit Card Rewards Rates Stack Up. NerdWallet’s most valuable credit cards (rates as of October 2015) Rank Card Card type Effective earn rate.

We break credit cards into 7. card's $100 airline fee credit. The travel rewards credit cards category are all those. the most valuable.

They can come with hefty APR’s and charges at times but on occasions they are nothing short of lifesavers, but have you ever wondered what the world’s richest carry around in their wallets? The premium plastic? The cream of the credit? Here are a collection of the 1.

Coutts and Co World Card. While it’s hard to pin down exact details of usage, due to the fact that any financial information is highly sensitive, it’s generally accepted that the World Card from Coutts and Co is the most exclusive in the present day. Only 1. 00 people are believed to possess one and with a qualifying income of $3. Holders of the Coutts card include Queen Elizabeth II and Elton John but many identities are completely secret.

· A new Consumer Reports survey takes a hard look at ways to get big rewards on store-issued credit and avoid the traps. · The 12 Most Exclusive Credit Cards on the Planet. Credit cards have become part of our everyday lives and many of us would simply be lost without them (if. Best Credit Card Rewards. Rewards credit cards offer the cardholder the chance to earn special incentives or to. As with most rewards credit card. · The Bank of America Travel Rewards Card for Students offers one of the most valuable rewards programs among student credit cards. Read the full review here.

The card is issued by invitation only and benefits include worldwide travel insurance and access to exclusive airport lounges. However, with an APR at 4.

Queen will make sure that monthly payments are made on time. American Express Black Card. Source: http: //www. If you own an Amex platinum card and thought that it was pretty exclusive then you may be disappointed to learn that it is merely a gateway to the elusive black card. By holding an Amex platinum for a year, you may be invited to take the black card but you also need to spend around $2.

Just like when you need to spend over a fiver in a pub then! Benefits include your own concierge and chauffeur driven limousines to major events. The Amex Black has an illustrious list of known cardholders, including Beyonce, Noel Gallagher and Simon Cowell.

The Stratus Rewards Card. We all like to get a little something back from our credit cards and that’s why many companies introduce exclusive rewards schemes. However, your air miles are likely to be insignificant compared to what’s on offer from the white Stratus card.

Spend $1. 95,0. 00 and you can hire your own seven seat Cessna jet for an hour. The card does come with an annual fee of $1. Barclays Black Card. Competition is rife, even in the world of high end credit cards. The fee for Barclays’ own black card is a mere £3.

Your personal concierge is provided but he or she can be on hand for 2. Private jets are also available but if that wasn’t enough to sway you, the card is made from graphite making it sleek and virtually indestructible. Diamond- Studded Dubai First Royale Master. Card. Source: http: //www. Who needs graphite when you can have precious gems?

This credit card is literally studded with diamonds to the extent that only three can be manufactured each day. It’s only available in Dubai and despite this being known as a nation of the super- rich, it’s pretty exclusive with only 2.

Membership gives you a personal manager and access to exclusive VIP events and venues. Amex Red. This card not only appeals to the celebrities’ idea of status it also panders to their conscious and allows them to be seen undertaking important charity work. The Amex Red card donates to charities fighting AIDS and HIV in Africa and as such it has been used and endorsed by the likes of Bono, Elle Mac. Pherson and Gisele Bundchen. Citibank Chairman’s Card. This is another extremely exclusive card that is issued by Amex on behalf of Citibank’s own wealth management clients.

At an annual fee of around £3. VIP airport lounges. Champagne anyone? Merrill Accolades American Express Card. Formerly the Bank of America Accolades Card until Merrill’s takeover, this was issued back in 2. Amex black card, as well as other premium cards on the market.

Benefits initially included the concierge service as well as many other VIP deals but it seems that these have been drastically cut back in recent times: Even the mega rich have to tighten their belts occasionally! Citi. Gold. A step on the ladder for those aspiring to owning a Citibank Chairman’s card, requirements begin with a combined monthly balance of $1. Benefits may be a little slim with access to meeting rooms and other Citi facilities so clearly the target market here is the travelling businessman. HSBC Premier. Source: http: //www. Many of these cards have been exclusive to one country but for those based in the UK and Europe, the HSBC Premier Card is arguably the one with the highest status. Deposits of at least £5.

American Express Centurion Card. Caption. Source: http: //www. This is another credit card whereby the right to possess one comes by invitation only. One of those prestigious clients is fictional however, but what could be cooler than possessing a card owned by James Bond? The annual fee is $2,5. Citibank Ultima. India is now one of the fastest moving countries when it comes to the super rich and the Ultima card arguably offers some of the best benefits of anything on this list. For 5. 0,0. 00 Rupees a year you can have your concierge, but access to private islands is also thrown in!

Author Bio: This post was written by Matt Payne of Made By Oomph. Oomph are a plastic card printing company who offer plastic card services, membership cards, gift cards, contactless cards, loyalty cards and plastic business cards. Visit them at http: //www.

Ten Most Valuable Credit Card Sign Up Bonuses for Free Travel 2. Open as many as you can and enjoy a ton of free travel benefits! Best. Cash. Cow’s Top Rules for Opening New Credit Cards to Get Free Travel Rewards. Play the Game. There is nothing wrong with earning loyalty points from your favorite hotel or airline, or flexible points (such as Chase’s Ultimate Rewards points) that can later be transferred to a program or used for your travel expenditures. There is also nothing wrong with opening several credit cards to take advantage of sign up bonuses. Credit card companies are exacting large transaction and processing fees from vendors.

That is being passed on to you in the form of higher prices on everything (even if you pay in cash!). It is fair to ask for some of the value back for your loyalty and usage. Go with travel rewards to get the most return for your dollars spent. Plus, it's more fun to have your spend go towards your next Hawaii trip than towards offsetting part of the next cable bill. The industry standard is basically that a dollar spent on a credit card is worth as much a penny in remuneration to the consumer. Most cash back programs are geared to this number. Gift card programs through Chase’s Ultimate Rewards or.

Amex’s Membership Rewards will also give you back over 1%. You may from time to time find a 2% or even a 3% bonus, but you are simply never going to get more than about a 1.

Leading hotel rewards points and airline frequent flier points can easily be redeemed for 3 or 4 cents per dollar spent. Using points to stay at luxury hotels or to fly, or upgrade to business or first class on long haul flights often results in value of as much as 8 or 9 cents per dollar spent! Hotel and airline points are therefore always your best bet. Having the right cards with large lump sum sign- on bonuses is the easiest way to jumpstart a point earning strategy.

Many people get more travel and reward points from credit card usage than they do from actually traveling, and many of those get most points through sign- on bonuses. Not all travel and reward programs are equal. Before you earn points with a program, you need to examine whether the program is generous and whether it works for you. These programs are very different, even within a certain segment. For example, among hotels, Hyatt’s program is strong. Even after a 2. 01.

Park Hyatts in Milan, Paris, Tokyo, Sydney or Zurich where a room could easily run. Other programs such as the Hilton, the Marriott or the IHG programs offer significantly less value. Within the airline category, British Airways has turned their Avios program into a great vehicle for short haul redemptions on American or on other One. World partner airlines.

Delta, on the other hand, has turned both their airline and their. Sky. Miles program into one where even the most loyal traveler only sees value in Business Class inter- continental redemptions. Hotel and Airline points should be used, not accumulated.

People frequently make the mistake of hoarding points instead of using them. Hotel and airline programs can be devalued in multiple ways – by changing the number of points required for a reward, changing categories, changing partners, and of course by causing your points to expire. The terms of the program are very clear: the fine print always explains that the issuer can change or even withdraw the program at any time. And, as it becomes easier to earn points, virtually every major airline or hotel chain is tweaking, or even dramatically changing their programs each year. Flipping Cards can work. Chase and Citibank really want your business.

Chase lets you reapply for a new card in each category every 2. Citibank lets you do it so long as you haven’t held the exact same product for 1. Amex has a once in a lifetime rule; they don’t really seem to want your business anymore). As this article points out, flipping can damage your credit utilization ratio.