The right credit card can offer high-net-worth individuals exclusive perks, luxury experiences and financial benefits.
From elite travel rewards and concierge services to purchase protection, the best cards cater to people who want both luxury and high-level benefits.
This guide explores the top credit cards designed for wealthy people to help you find the perfect match for your lifestyle and spending habits.
What Makes a Good Credit Card for High-Net-Worth Individuals in 2025?
When evaluating the best credit cards for high-net-worth individuals in 2025, factors like exclusive rewards, premium benefits and comprehensive protections ensure both luxury and financial security.
American Express Centurion Card
The American Express Centurion Card, often called the Black Card, caters to high-net-worth individuals and offers a suite of exclusive benefits – but they come at a price.
To get the Centurion Card, you’ll pay an initiation fee of $10,000 and an annual fee of $5,000 before you can use your card.
While many details are kept confidential, the card’s website highlights several advantages to carrying the American Express Centurion Card.
Centurion members can use the Centurion Concierge to receive personal assistance with making reservations at swanky restaurants or large events in their hometown or a new city.
They also receive invitations to events like shopping nights, high-profile event after-parties and private dining experiences. They can also buy tickets for the best seats at selected events before they go on sale to the public.
The card’s rewards program allows members to accumulate points on every purchase, with no expiration date and flexible redemption options.
As a Centurion member, you’ll enjoy special privileges at more than 900 select hotels and resorts worldwide if you're into travel. You’ll also have access to more than 1,000 airport lounges in 120 countries. You’ll also get complimentary Hertz Gold Plus Rewards Circle and Avis President’s Club memberships.
Why We Picked It: A Centurion Concierge will arrange for you to charter a private jet for business or pleasure trips.
J.P. Morgan Reserve Card
The J.P. Morgan Reserve Card is so exclusive that Chase doesn’t list it among its other credit card offerings. As its name suggests, the card is reserved for the bank’s wealthiest clients – you must have a minimum of $10 million in assets managed by J.P. Morgan’s private bank.
With all the benefits the card offers, its $550 annual fee may be well worth it. You won’t have a pre-set credit limit, and the card doesn’t report to the three credit bureaus.
Originally called the Chase Palladium Card, it is made of brass alloy, laser-engraved and plated with metal palladium. In September 2016, it became the J.P. Morgan Reserve Card.
The card offers rewards on all purchases. You’ll get 3X points on global travel after earning your $300 annual travel credit. You’ll earn 3X points for every dollar you spend at restaurants and 1 point per $1 on other purchases.
Like the Chase Centurion Card, you’ll get VIP access to events and experiences.
Why We Picked It: Losing your luggage is inconvenient, but the J.P. Morgan Reserve Card will reimburse you up to $3,000 for each person covered on every trip. If your baggage is delayed, you’ll get up to $100 daily for a maximum of five days.
American Express Platinum Card
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The American Express Platinum Card offers many benefits to enhance travel, entertainment and dining experiences for high-net-worth individuals.
The card’s $695 annual fee may be worth it because of its extensive benefits and exclusive event access.
Cardholders can take advantage of various statement credits, including up to $200 annually for prepaid hotel bookings, $240 for digital entertainment and $155 for Walmart+ memberships.
You’ll also get up to $100 for purchases at Saks Fifth Avenue, $200 in Uber Cash, a $200 airline credit and a $199 CLEAR Plus credit.
Globetrotting card members can access the American Express Global Lounge Collection with more than 1,400 airport lounges worldwide. They’ll also earn 5X points on flights booked directly with airlines or through American Express Travel on purchases up to $500,000 per calendar year. The 5X points offer is also awarded to prepaid hotels booked on AmexTravel.com.
Adding your Platinum Card to your Resy profile will give you special access to sought-after restaurants worldwide.
Why We Picked It: You’ll have choices when paying your bill. Pay Over Time allows you to carry a balance with interest up to your Pay Over Time limit. Plan It lets you split large purchases into equal monthly installments with a fixed fee.
Chase Sapphire Reserve
The Chase Sapphire Reserve card is designed for travelers and diners who want premium rewards and benefits.
Cardholders earn 5X points on flights and 10X points on hotels and car rentals purchased through Chase Ultimate Rewards. They also earn 3X points on dining and all other travel worldwide.
Points can be redeemed for travel through Chase Ultimate Rewards, with a 50% bonus value, or transferred to partner airlines and hotels. The card also offers a $300 annual travel credit, which offsets the $550 annual fee.
With a Priority Pass Select membership, you’ll have access to more than 1,300 airport lounges worldwide. Other perks include up to a $100 application fee credit for Global Entry or TSA PreCheck, trip cancellation/interruption insurance and a primary auto rental collision damage waiver.
The Sapphire Reserve card also provides purchase protection, extended warranty coverage and no foreign transaction fees.
Why We Picked It: You’ll earn 60,000 bonus points after you spend $4,000 on purchases in the first three months of opening your account.
Capital One Venture X Rewards Credit Card
The Capital One Venture X Rewards card caters to travelers who want premium rewards and flexible redemption options.
Cardholders earn unlimited 2X miles on every purchase, with 5X miles on flights and 10X miles on hotels and rental cars booked through Capital One Travel.
New cardholders can earn 75,000 bonus miles after spending $4,000 on purchases within three months of opening an account. A key perk is a $300 annual travel credit for bookings through Capital One Travel, which offsets a portion of the $395 annual fee.
The Venture X Rewards card provides complimentary access to Capital One Lounges and a Priority Pass membership that gives cardholders access to more than 1,300 airport lounges worldwide.
You’ll also get up to a $100 credit for Global Entry or TSA PreCheck, cellphone protection and travel accident insurance.
Miles can be redeemed for travel, cash back or transferred to Capital One’s travel partners.
Why We Picked It: Cardmembers receive 10,000 bonus miles yearly, starting on their anniversary.
Citi Strata Premier Card
The Citi Strata Premier Card is designed for people who want flexibility in their rewards and travel experiences.
If you travel frequently, the ThankYou Points system provides significant value that offsets the $95 annual fee.
You’ll earn 10 ThankYou Points per $1 spent on hotels, car rentals and attractions booked through CitiTravel.com, and you’ll get three ThankYou Points for every $1 spent on air travel, hotels, restaurants and gas and electric vehicle (EV) charging stations. All other purchases earn you one ThankYou Point for every dollar you spend.
It’s also a great choice if you travel internationally because there are no foreign transaction fees. And once each calendar year, you’ll get $100 off a single hotel stay of $500 or more when you book through CitiTravel.com.
You’ll earn 75,000 bonus points for a limited time after spending $4,000 within the first three months of opening your account.
Why We Picked It: The Citi Strata Premier Card’s ThankYou Points are versatile. They can be redeemed for travel, cash back, gift cards or transferred to Citi’s travel partners.
Bank of America Premium Rewards Credit Card
The Bank of America Premium Rewards credit card is great for people who want travel and everyday rewards.
You’ll earn 2 points for every $1 spent on travel and dining purchases and 1.5 points for every dollar spent on all other purchases.
You can potentially earn even more points through the Bank of America Preferred Rewards program, which offers eligible clients a 25% to 75% rewards bonus. This can significantly raise your earning potential, making it appealing to Bank of America customers.
You’ll get up to $100 in statement credits for Global Entry or TSA PreCheck application fees. The card also provides travel and purchase protections, including trip cancellation/interruption insurance and extended warranty coverage.
New cardholders earn 60,000 bonus points after spending $4,000 within the first 90 days of opening the account.
Why We Picked It: The card’s $95 annual fee is offset by a $100 airline incidental statement credit annually, covering expenses like baggage fees and seat upgrades.
Delta SkyMiles Reserve American Express Card
If you’re a devoted Delta Air Lines traveler, the Delta SkyMiles Reserve American Express Card is for you.
The card offers premium benefits designed to elevate the flying experience. One of the best features is complimentary access to the Delta Sky Club, where cardholders can relax before or between flights. Cardholders also enjoy priority boarding, allowing them to stow their carry-on luggage before the general boarding process begins.
The card also provides an annual companion certificate for a round-trip domestic flight in the same cabin for just the cost of taxes and fees, which can help offset the card’s $695 annual fee.
Beyond travel perks, the card provides travel insurance and purchase protection.
For a limited time, you’ll earn 100,000 bonus miles after you spend $6,000 on your new card in the first six months of membership.
Why We Picked It: You’ll receive $2,500 Medallion Qualification Dollars with MQD Headstart each Medallion Qualification Year. You’ll also earn 1 MQD for every $10 spent on your Delta SkyMiles Reserve American Express Card with MQD Boost to get closer to Status in the next Medallion Year. Medallion status makes travel easier, offering benefits such as priority boarding and check-in, complimentary checked bags and upgrades.
How We Chose These Credit Cards for High-Net-Worth Individuals in 2025
Benzinga’s 2025 credit card recommendations for high-net-worth individuals prioritize travel, luxury and benefits suited to their spending and lifestyle needs. The criteria used to select the credit cards included luxury perks like personalized concierge services, security and privacy and the value received for the annual fee.
Frequently Asked Questions
What is the best credit card for rich people?
Credit cards prioritizing exclusive perks and services over standard features are best for wealthy people. Cards like the American Express Centurion or the J.P. Morgan Reserve Card offer tailored luxury experiences.
What is the best credit card for high income?
High-income people benefit from cards with premium travel rewards and exclusive perks, such as the Chase Sapphire Reserve or the American Express Platinum Card.
What is the best luxury credit card?
It depends on your priorities. Cards like the American Express Centurion and the Chase Sapphire Reserve are known for their premium travel perks and exclusive services. They focus on providing luxury experiences for high-spending people.