What card is higher than Amex Platinum?

Above the Amex Platinum card is the exclusive, invitation-only Centurion® Card from American Express, famously known as the "Amex Black Card," offering unparalleled luxury, personalized concierge service, and elite status perks for its ultra-high-net-worth clientele.

Is there anything above Amex Platinum?

The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

Is there anything better than Amex Platinum?

No single card is universally "better," but cards like the Chase Sapphire Reserve (better rewards on travel/dining) and Capital One Venture X (lower fee, great perks) offer strong alternatives, depending on your needs for points, travel credits, and lounge access, with the invitation-only Centurion Card being the ultimate, but inaccessible, upgrade. The best choice depends on maximizing specific benefits like airline credits (co-branded cards), hotel rewards (Hilton/Marriott cards), or Chase's ecosystem.
 

What is the hardest Amex card to get?

The hardest American Express card to get is the Centurion® Card, also known as the "Black Card," because it's strictly by invitation only, requiring immense spending on other Amex cards (rumored $350k+ annually) and high income (often $1M+), plus hefty fees ($10k initiation, $5k annual). It's a symbol for the ultra-wealthy, offering exclusive concierge services and elite perks, making it the pinnacle of Amex exclusivity.
 

What are the 4 major credit cards?

The four major credit card networks that process transactions globally are Visa, Mastercard, American Express (Amex), and Discover, acting as the payment infrastructure between banks, merchants, and consumers, with Visa and Mastercard dominating in acceptance, though Amex and Discover are also widely used and sometimes issue their own cards.
 

Luxury Or Liability? A Look At What The Amex Platinum Card Gets You For £650 in 2025(UK)

What is the credit card limit for $70,000 salary?

With a $70,000 salary, you could expect initial credit limits ranging from around $14,000 to over $20,000, potentially reaching higher with excellent credit, but the actual limit depends heavily on your credit score, existing debt (Debt-to-Income ratio or DTI), and the card issuer's policies, as lenders focus more on your ability to repay than just income. 

How many Americans have $20,000 in credit card debt?

A majority of Americans (53%) carry some, with an average balance of $7,719. However, a third of those carrying debt (32%) owe $10,000 or more, while almost 1 in 10 (9%) have credit card debt over $20,000.

Is Amex Platinum for millionaires?

The American Express Platinum Card® is for fairly rich people. A high income will help you afford this premium travel card's $895 annual fee.

What credit card has a $100,000 limit?

You can get a $100k credit limit on cards like the Chase Sapphire Preferred®/Reserve or premium Amex cards, but usually after building history; business cards like Brex can offer high limits from the start, requiring excellent credit, high income, and low utilization for such large limits. While some issuers don't advertise $100k limits, online reports show users reaching them on popular rewards cards like Chase Sapphire Preferred, though starting limits are much lower. 

What credit score do you need for a $400,000 house?

Credit Score

When applying for a $400,000 home, lenders evaluate your credit scores to determine eligibility and the rates you'll receive: 740+: Best rates and terms. 700-739: Slightly higher rates. 660-699: Higher rates, may require larger down payment.

What salary do you need for a platinum Amex?

While there's no strict minimum income, American Express generally suggests applicants for the Platinum Card should have an income around $50,000 or higher, sufficient to cover living expenses and card repayments, along with a strong credit history and score, though approved users often have significantly higher incomes. The Amex Business Platinum offers more flexibility for business owners, including part-timers.
 

What is the 2 3 4 rule for credit cards?

The 2/3/4 rule for credit cards is a guideline, famously associated with Bank of America, that suggests you'll have better approval odds if you apply for 2 new cards in 30 days, 3 new cards in 12 months, and 4 new cards in 24 months, helping manage the hard inquiries and avoid triggering automatic denials from lenders. It's a strategy to space out applications for better financial health and approval chances, rather than a hard-and-fast law for all banks, though other lenders have similar, unofficial limits.
 

How much are $100,000 American Express points worth?

100,000 American Express points are worth anywhere from $500 to over $2,000, or potentially much more, depending heavily on your redemption method; you'll get low value (around $500-$700) for statement credits or merchandise but can achieve 1 cent per point ($1,000) or higher for flights via Amex Travel or by transferring to airline/hotel partners (potentially $2,000+), notes WalletHub, Oreate AI, Bankrate, NerdWallet, and FinlyWealth.

Can I buy a car with Amex Platinum?

Yes, you can use your Amex Platinum to buy a car, primarily through the Amex Auto Purchasing Program, which connects you to dealers accepting Amex for at least $2,000, with some allowing the full amount, though you'll earn points/cashback and can potentially get benefits like extended warranty. However, most dealers limit card charges due to processing fees, so expect to use it for a large down payment rather than the whole price unless you find a specific program or dealership. 

Do billionaires use credit cards?

Yes, billionaires absolutely use credit cards, but for convenience, fraud protection, expense tracking, and to earn significant rewards (like first-class travel), often through exclusive, invite-only cards like the Amex Centurion (Black Card) or J.P. Morgan Reserve, while avoiding debt by paying balances in full. They leverage the benefits and security, viewing cards as a tool for managing cash flow and perks, not as a way to finance purchases they can't afford, says The Motley Fool.
 

What is the maximum credit limit for Amex Platinum?

The average credit limit for members who have matched with this card or similar cards is $15,137, with $5,000 being the most common. The American Express Platinum Card® does not have a traditional credit limit and was compared to similar premium cards.

What is the credit card limit for $70,000 salary?

The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.

What is the 2 2 2 credit rule?

The 2-2-2 credit rule is a guideline for lenders, especially for mortgages, suggesting borrowers should have at least two active credit accounts, open for at least two years, with at least two years of on-time payments, sometimes also requiring a minimum credit limit (like $2,000) for each. It shows lenders you can consistently manage multiple debts, building confidence in your financial responsibility beyond just a high credit score, and helps you qualify for larger loans. 

What is the 15 3 credit card trick?

The "15" and "3" refer to the days before your credit card statement's closing date. Specifically, the rule suggests you make one payment 15 days before your statement closes and another payment three days before it closes.

Does Amex mean you're rich?

No, having an American Express (Amex) card doesn't automatically make you rich, as many types of Amex cards are accessible with good credit and stable income, but it does carry a status symbol, especially premium cards like the Platinum or the invitation-only Centurion (Black Card), which are favored by affluent individuals. While the ultra-exclusive Centurion card requires immense spending, other popular cards like the Platinum often see holders with high household incomes (e.g., $474k average), but even those don't require millionaire status to obtain. 

Is Uber One free with Amex Platinum?

Yes, the Amex Platinum Card provides up to $120 in annual Uber One statement credits, essentially making the membership free by covering the monthly ($9.99) or annual ($96) cost through statement credits, provided you link your card as the payment method in your Uber account and turn off Uber Cash for fees. 

What is the wealthiest credit card?

Here are the cards the ultra wealthy keep to themselves.

1. Centurion® Card from American Express. ...
2. J.P. Morgan Reserve Card. ...
3. Dubai First Royal Mastercard. ...
4. Coutts Silk Card. ...
5. Sberbank Visa Infinite Gold. ...
6. Stratus Rewards White Card. ...
7. Invitation-only World Elite Cards.

How many Americans are 100% debt free?

Around 23% of Americans are debt free, according to the most recent data available from the Federal Reserve.

Should a $20000 credit card have a $6000 balance?

How Much You Should Spend With a $20,000 Credit Limit. Spending between $200 and $2,000 per month is best for your credit score. You should avoid having a balance above $6,000 when your monthly statement gets generated. Even if you spend $0, your credit score will still improve just by having the account open.

What is a good credit score range?

A good credit score generally falls in the 670-739 range for FICO scores, indicating responsible credit use and good chances for loan approval with decent rates, while scores above 740 (Very Good) to 800+ (Exceptional) unlock the best loan terms and interest rates, with scores below 600 often making credit harder to get. Different models (FICO, VantageScore) use slightly different bands, but the overall trend is the same: higher is better, with 700+ being a solid target.