Credit Cards You Wish You Had

Updated on Apr 01, 2016

*Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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For those of us that have any interest in the credit card industry or owning a credit card in general, you’ve probably heard about popular names like Chase Slate, Discover it or Citi Simplicity.  Then there are the popular “exclusive” credit cards we’ve all heard of -the American Express “Black Card,” formally known as the Centurion Card.  People are interested in this card because of its status and appeal. Having an exclusive credit card that’s invitation-only causes people to stare when presented as payment. I used to be a waitress and anytime someone would pay with their Black Card we would tell the other servers and look at it, feel it (it’s heavy compared to all other cards)-even look at the guests who presented the card. What most people don’t know is the “Black Card” isn’t the only exclusive credit card; there’s more!

Let’s take a look at some of the most prestigious credit cards in the United States (next week we’ll look at the most prestigious credit cards available in other countries).

The Citi Chairman AmEx Card

I was slightly confused at the name of the card since “AmEx” was used. Citi Bank typically issues credit cards processed by Visa or MasterCard, not American Express. Perhaps that’s what makes this card one of Citi Bank’s most prestigious cards because American Express is certainly considered one of the most difficult credit cards to get.

The Citi Chairman Card has been around for a few years, but never received the hype American Express Centurion Card received. When I went to the official page for that card offer, it doesn’t allow me to access the information without being a card member. Hmmm…that’s makes a review slightly difficult. The card is made of the same material most credit cards are made with, plastic, and comes with a $500 annual fee and no spending limit. It’s most talked-about feature includes access and opportunities to purchase private jet services. Rumor has it you get a consultant that helps you choose which jet will best fit your “flying style.”

Here are some additional features:

  • 24/7 Personal Concierge ServiceCiti-Chairman-Amex-lg
  • Complimentary Lounge Access
  • Hilton HHonors Hotel room upgrades
  • Statement credits for flight purchases
  • Statement credits for related flight purchases

I’ve read in a few places that this card is no longer available to new customers, so don’t get too excited about this offer just yet.

The Citi Prestige Card

This card is issued by Citi Bank and processed by MasterCard. It looks to still be available because I was easily able to find the landing page, terms and conditions, and more. Touted as “unforgettable experiences await,” card members should expect to enjoy the highest level of service, have access to travel upgrades, earn rewards on all purchases, including bonus spending categories, and if you really want something not found in the Citi ThankYou Collection, you can contact a Citi ThankYou Specialist who will try to make “your dream come true.”

The Citi Prestige Credit Card is silver/gray in color (Is it me, or do all exclusive credit cards seem to be black or some shade of silver and gray?) comes with Pin and Chip technology for world traveling, has a $450 annual fee, and the most talked-about feature is that it allows card members access to thousands of golf courses around the world. Now I want to know if all pro golfers have this card. The terms and conditions covering the ins-and-outs of the golf perks are pretty lengthy. You have complimentary green fees to six different golf courses in Asia- 2 in Singapore, 2 in Malaysia, 2 in China- three times per year. For golf in Canada, Latin America, Caribbean, Europe, United States, and Africa, cardmembers receive three complimentary green fees each year at over 2,400 golf courses. Other features to this card include:

  • Earn 3x points on Air Travel and Hotels
  • Earn 2x points on Dining at Restaurants and Entertainment
  • Earn 1 ThankYou Point on other purchases
  • Relationship Bonuses
  • Earn 1 FlightPoint for every mile flown
  • ThankYou Point Transfer options to friends and family
  • Book a private jet with NetJet
  • Complimentary Hotel Stays
  • Citi Prestige Concierge Service

The J.P. Morgan Chase Palladium Card

This card has also been around for a while and has been rumored to possibly be better than the American Express Centurion Card. Equipped with Pin and Chip technology and processed by Visa, foreign travel should be a breeze and paying for any purchases with this card is sure to get you some stares. It’s heavier than most credit cards, including the Amex Centurion Card, because it’s made of copper, zinc, nickel, and palladium. To qualify for this card you need to be a Private Bank client at either the JP Morgan Private Bank, Investment Bank, Treasury Services, or Commercial Bank.

The J.P. Morgan Chase Palladium Card comes with an annual fee of $595, offers ultimate rewards, concierge service, and excellent travel benefits. The best feature to being a cardmember probably has to be the travel benefits. Like the Citi Chairman AmEx Card, this too comes with access to a private jet through Marquis Jet. In-flight perks include a free hour of flight time with the purchase of your first 25-hour jet card. If you decide to not fly privately, you get a complimentary upgrade to first-class and a complimentary companion ticket. To top all that off, there are over 15 travel and purchase benefits. Some of those include:

  • Trip Cancellation/Interruption Insurancejp morgan palladium card
  • Hotel Burglary Insurance
  • Return Protection
  • Ticket Protection
  • Visa Warranty Manager Service

Additional benefits include:

  • 2 points per dollar spent on travel with no caps or expiration
  • 1 point per dollar spent everywhere else with no caps or expiration
  • 35,000 bonus points after you spend $100,000/year

 *Editorial NoteThis content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed bythe credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

*The content in this article is accurate at the publishing date, and may be subject to changes per the card issuer.

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