Most exclusive credit cards 2012:
Top high end, luxury credit cards with VIP benefits and prestigious offers.


Card holders of the most exclusive credit cards get VIP benefits and special bonuses that are not available for gold or platinum cardholders. High end credit cards require excellent credit and high income. Among benefits of these cards are exclusive rewards program, special travel offers and bonuses, luxury gifts, airport lounge access. Exclusive credit cards often have a high annual fee. In our list of exclusive credit cards you can find offers that are free for the first year. Choose the best exclusive credit card and apply via secure online application.

Exclusive high end credit cards with airport lounge access

Visa® Black Card™
by Barclays Bank Delaware
Visa Black review Visa® Black Card review
  • Limited Membership
  • 24-Hour Concierge Service
  • Unlimited VIP airport lounge visits
  • Exclusive rewards program; 1% cash back or airfare on any airline - no blackouts or restrictions
  • Luxury gifts
  • Accepted globally; zero liability protection against unauthorized purchases
  • Made with carbon, not just another piece of plastic
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 14.99% 0% for 15 billing cycles Cash back $495 Excellent

The Platinum Card® from American Express
by American Express
Amex Platinum card review
  • 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
  • Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass™ Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • Receive a companion ticket for discounted travel when you purchase a qualifying First- or Business-Class international ticket. Additional charges/taxes apply.
  • 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
  • FINE HOTELS & RESORTS Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
  • Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
N/A* N/A* N/A* Point $450 Excellent

PenFed Premium Travel Rewards American Express® Card
by Pentagon Federal Credit Union
  • No annual fee
  • 5x points on airfare purchases and 1x points on all other purchases
  • 20,000 bonus points upon spending $650 in the first 3 months
  • Complimentary concierge service
  • Exceptional travel offers and discounts
  • VIP airport lounge access with $15,000 in annual spend
  • You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. Click here to learn more.
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 13.99% V* 4.99% for 24 months* Point $0 Excellent

Airlines credit cards with luxury travel privileges and benefits

United MileagePlus® Explorer
by Chase
United Millage credit card review
  • Earn up to 40,000 bonus miles & first year free, a $95 value*
  • First checked bag is free for you and a companion when you fly United flights, up to a $50 value
  • Board your flight before general boarding with priority boarding privileges
  • Visit the United Club with two complimentary day passes every year, up to a $100 value
  • Earn 2 miles for each $1 spent on airline tickets purchased from United and 1 mile per $1 for everything else
  • Your miles don't expire and there is no limit to the number of miles you can earn
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% Variable 15.24% Variable Miles $95 Excellent

British Airways Visa Signature Card®
by Chase

  • You will get 50,000 bonus Avios after your first purchase
  • 25,000 bonus Avios after you make $10,000 in purchases within the first year of account opening
  • Plus an additional 25,000 bonus Avios after you make an additional $10,000 in purchases within the first year of account opening
  • That's enough Avios for one roundtrip business class reward ticket
  • New: Smart Chip Technology allows you to use your card for chip based purchases in Europe & beyond, while still giving you the ability to use your card as you do today at home.
  • Pay no foreign transaction fees when you travel abroad
  • In addition to the bonus, you will also get 2.5 Avios for every $1 spent on British Airways purchases and 1.25 Avios for every $1 spent on all other purchases
  • Every calendar year you make $30,000 in purchases on your British Airways Visa card, you'll earn a Travel Together Ticket good for two years
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% Variable 15.24% Variable Point $95 Excellent

Exclusive credit cards with travel rewards

Chase Sapphire PreferredSM
by Chase
Chase Sapphire Preffered review
  • Earn 40,000 bonus points after you spend $3,000 in the first 3 months - that's $500 toward travel rewards!
  • 2 points per dollar spent on travel and at restaurants & 1 point per dollar spent on all other purchases.
  • Get 20% off airfare, hotels, car rentals and cruises when you book through Ultimate Rewards(SM)
  • No foreign transaction fees
  • Receive a 7% annual dividend on all new points earned - even on points already redeemed
  • 1:1 point transfer to participating frequent travel programs
  • Direct access to expert service advisors anytime
  • No Annual Fee for your first year - A $95 value
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% Variable 15.24% Variable Point $0 first year, $95 after that Excellent

American Express® Premier Rewards Gold Card
by American Express
Amex Premier Rewards Gold review
  • Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
  • Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
  • Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, major sporting events, and more, nationwide.
  • Introductory annual fee of $0 for the first year, then $175.
  • Get a decision in as little as 60 seconds.
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
N/A* N/A* N/A* Point $0 for the first year, $175 after that Excellent

Hotel rewards exclusive credit cards 2012

Marriott Rewards® Premier Credit Card
by Chase
  • Earn 50,000 Bonus Points after your first use
  • Receive 1 free night stay upon account approval and each year upon account anniversary
  • Earn 5 points for every $1 spent at Marriott® locations
  • Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
  • Earn 1 point for every $1 spent on other purchases
  • No foreign transaction fees
  • Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
  • Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
Intro Purchase APR Regular APR Balance Transfer APR Type of Reward Annual Fee Credit Needed
None 15.24% 15.24% Point $85* Excellent





The article was updated on 03/17/2012. Some information may have changed since that date. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies credit card applications.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. Best Credit Cards Online may be compensated through American Express Affiliate Program.

Best Credit Cards Online has financial relationships with some of the cards mentioned here, and Best Credit Cards Online may be compensated if consumers choose to apply for these links in the content, and ultimately sign up for them. We are not compensated for the positive reviews.


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