4 Hardest Credit Cards To Get In 2022 – See How To Get Them Approved

In this article, I am going to show you the Hardest Credit Cards To Get, how to get them, the cost of purchase, and what qualifies you for the hardest credit cards to get. I don’t need to stay tuned to the end as the last paragraph is even more educating. 

Since you are searching for the hardest credit cards to get, I am sure you are familiar with what a credit card is. However, for the sake of clarity let’s see a brief overview.

A credit card is a plastic or metal card that allows you to borrow money for payment of goods and services and make transfers with the guarantee to pay back in due time. 

Getting a credit card has become a necessity today because everyone is required to have a credit score to be able to perform some transactions. And to start getting credit scores early, some people are embracing the idea of credit cards for 17-year-olds.

 Almost all financial institutions issue credit cards to people. However, while some credit cards are easy to get, others are hard to get. It is as a result of the latter that we want to discuss the hardest credit cards to get.  

How Can I Get A Credit Card?


Generally, applying to get a credit card for the first time is easy. However, it is important that you take some time out to search and read about various credit cards, their bonuses, terms, and conditions before we proceed. 

After searching their details, you can then proceed to the website of the issuing company that you want to get their credit card. Enter your details as required and click on Apply. Your card is most likely to be delivered to you within 3 to 10 business days. 

How To Qualify For The Hardest Credit Cards To Get


There are three major qualifications for the hardest credit cards to get. They are;

Age Requirements


There are age limits to getting a credit card. The age limit varies from one country to another. While in the US you must be up to 18, others pegged theirs at 21 years. 

Minimum Income requirement

Credit card issuers would ask for your income. And it is expected that for you to apply for the hardest credit cards to get, you must meet the minimum income requirement. It is wise that when filling out the application form, include all other sources of income apart from your full-time job. Also, include your income ratio.

Credit History


You would also be asked to enter your credit history to ascertain if you are a responsible spender or not. And to know how timely you pay up your credits. 

Hardest Credit Cards To Get. Why This Term?


As the name implies, the area is called the hardest credit card to get because unlike others, one has to go through a difficult process before approval. 

Also, these cards are often associated with high-class business owners, celebrities, and very rich individuals. They are seen as cards for people with great prestige and social status. 

Also, they are called the hardest credit cards to get because you may not even be required to fill out a form before getting it. In most cases, wealthy people get invited by the card issuer to get the card. 

4 Hardest Credit Cards To Get – See How To Get Them


Now that you know the reasons why they are called the hardest credit cards to get, let’s proceed to see your (4) hardest credit cards to get, as well as their features and fees below. 

American Express Black Card


The American Express Centurion Card is mostly referred to as the AMEX Black Card. And it is the number one hardest credit card to get. This card is mostly used by people with large bank accounts. 

It was first introduced in 1999 for the wealthy and people with high status. And it comes with so many benefits. To qualify for an AMEX black card, you must have an existing AMEX Platinum Credit card account. Spend between $250,000 to $500,000 yearly. You must have a large net worth and an incredible credit score. 

The AMEX black card has no spending limit and it gives you an instant membership into the Equinox Gym located in the US, Canada, and the UK. 

How Much Does An American Express Black Card Cost?


The AMEX black card costs quite a large amount of money. And that isn’t surprising since it is the hardest credit card to get. The AMEX black card has an initial fee of $10000. After that, you pay an annual fee of $2500. 

Platinum Card From American Express


This card also falls into the group of the hardest credit cards to get. A platinum card like the Black card has great offers like Uber rides, travel perks, and cardholders have access to over 1000 American Express Global Airport Lounges in over 100 countries. It also gives $200 Uber credits yearly.  However, its annual fee is $695. 

Chase Sapphire Preferred Card


This is another card that is grouped among the hardest credit cards to get. This card gives bonuses on travels and purchases of dining. The rewards can be transferred to Chase Travel Partners. 

Chase Sapphire Reserve


This is the last that I am going to discuss on the hardest credit cards to get. Chase Sapphire Reserved is good for its offer of great travel rewards and perks. It earns 3 times ultimate rewards points per dollar on travels and dining purchases. Part of its offers insurance on trips, credit on annual travel, and Airport Lounge access. 

What Are The Benefits Of Hardest Credit Cards To Get? 


Like I have already mentioned while explaining the hardest credit cards to get above, these cards come with lots of benefits. Some of them are

  • Travel Credits
  • Flight bonuses
  • Luxury Shopping
  • Cash Back Bonuses
  • Help to build up an excellent credit score. 
  • No intro APR and lots more

Are The Hardest Credit Cards To Get, Worth It?


As explained already. The hardest credit cards to get cannot be easily gotten by regular folks. However, those who are opportune to get them can testify that they are worth it because of the benefits and prestige that they come with and that they help in building up excellent credit scores that would help in getting easy loan approval. Therefore the hardest credit cards to get are worth it. 

Bottom Line


So far in this article, I have given you a clear picture of the hardest credit cards to get. Four of them were discussed as well as their benefits and the reason they are so termed. I hope you got answers to your questions after reading through.