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When it comes to money matters, being rich and famous definitely has its advantages. You can afford the best of everything, which is great.  On top of that, your credit card unlocks the door to even more privilege.  Many of us struggle to make ends meet.  However, the rich and famous do not need credit cards for bad credit when times get hard.

Additional Rewards

Royalty, celebrities and entrepreneurs are able to access a range of credit cards that provide many advantages.  These include additional rewards and bonuses far beyond money-off vouchers or discount deals.

These credit cards themselves are actually a status symbol.  One cannot simply apply for one as you would for any normal card.  These are not credit cards that are used to improve credit scores.

Instead, you are invited to join the club of exclusive credit card holders. The most rare and prestigious credit card is rumored to have only 100 holders.  That's absolutely incredible.

To qualify for this card an individual must be a multi-millionaire to start. With just 100 card holders, it really is for the financially elite.

American Express

The American Express Centurion Card is another card solely for the well-heeled. Again, this is invitation only, and one cannot simply apply.

Criteria that must be satisfied includes being a user of the American Express Platinum Card for a minimum of 12 months.  Also, spending o at least $250,000 dollars per year is required. The card itself is made from titanium.

This card has an annual fee of $2,500 as standard.  The access it grants to the finer things in life is more than enough for card holders.  Rich folks can certainly afford this without second thought.

Perks include first-class upgrades on travel and hotel stays, a personal concierge service, personal shoppers and VIP access to events and attractions.


If you like the sound of that, you'll love the perks of using the Citibank Ultima Credit Card. These include travel in a chauffeured Bentley or private travel in a Gulfstream jet.

If you fancy a day at sea, you can rent the luxurious Ferretti 80-foot yacht, complete with crew, or take a spin in the fastest luxury cars, including the Maserati Spyder.


The Stratus Rewards Visa Credit Card is only offered to individuals whose routine travel is by private jet.  The Barclay's Visa Black Card provides a 24 hour service so that you can access whatever you want, day or night. The Dubai First Royale MasterCard is diamond-studded and has no spending limit, although it's only available to those classed as having wealth and an elevated social standing in the country.

These cards are beyond the scope of most Americans, but provide a tantalizing look at how the other half live. Perhaps if your American dream comes true, you can be one of the select few who have such wealth and luxury.