They are unattainable for the vast majority of users. They have features that may sound even more fiction than reality but nonetheless exist. With a predominance of black color although in this case issued and managed in a legal manner, a dozen travel credit cards become payment and financing instruments with astronomical limits and luxury services.
Best credit cards 2020 for travel: List
Although the proposal is not limited to this dozen best travel cards for travel (there are more) we have chosen the most representative, either because they are veteran products, or because they offer spectacular services or have a truly wonderful offer. Although they are not within our reach, it never hurts to know which are the credit cards that people with a lot of money handle.
| Cards | Rating | Apply |
|---|---|---|
| Black Brazilian MasterCard | ⭐⭐⭐⭐⭐ | |
| NatWest Black MasterCard | ⭐⭐⭐⭐⭐ | |
| Citigroup Black Chairman Card | ⭐⭐⭐⭐⭐ | |
| Infinite Visa | ⭐⭐⭐⭐⭐ | |
| Merrill Accolades American Express | ⭐⭐⭐⭐⭐ | |
| Coutts World Silk Card | ⭐⭐⭐⭐⭐ | |
| Stratus Rewards Visa | ⭐⭐⭐⭐⭐ | |
| Dubai First Royal MasterCard | ⭐⭐⭐⭐⭐ | |
| JP Morgan Chase Palladium | ⭐⭐⭐⭐⭐ | |
| American Express Centurion Card | ⭐⭐⭐⭐⭐ |
How are they are the best credit cards for travel in the world?
These are highly exclusive financial products if already the highest branches of credit cards are usually restricted in terms of access, this list of best credit cards for travel forms 10 directly unreachable cards for the vast majority of us.
In fact, as the list progresses, we can see how it really happens to be a kind of integrated services based on a credit card, that is, they go well beyond its financial characteristics.
In general, the best credit cards for travel in the world have very high credit limits, or, directly, they have no limits. They are accompanied by insurance policies of millionaire figures, allow access to exclusive luxury services as well as offer public services that can range from advice on purchases to frivolities such as closing stores to guarantee the intimate purchase of the customer.
From a financial point of view, it is really a kind of multi-million dollar customer loyalty bonus. These will have other cards of the issuing entities with very high financial characteristics but focused on usual, payments, credit, etc. Somehow these cards look for that margin of differentiation in the exclusivity that so much money drags in personalized services.
Who owns these cards?
Although some are more widespread than others, if we take the list of fifth place upwards, the number of holders of these cards is drastically reduced. For example, in our country, it is estimated that there will be no more than 400 Centurion cardholders. Among these, in addition to the great fortunes, are elite athletes with astronomical income, and so on.
These cards are generally accessed through invitation:
That is, it is the issuing entities themselves that propose the client access to these services. In order to do so, they must comply with financial requirements that are not very clear in all cases, but that goes through the use of other financial products in a proven way for hundreds of thousands of euros in addition to other factors such as solvency, liquidity, etc. Of course, issues like the image and the supposed status that economic power provides also influence here.
And for others what cards are recommended?
If you can afford to pay four digits for hiring a card and annual maintenance that can also reach all four digits, your financial status will probably allow you to access one of the high ranges of credit cards for travel. For ordinary mortals, this is unfeasible, not only because it is obvious that they would not grant them, but because we would be unable to meet the costs and expenses that this would entail.
In general, it is advisable for any healthy economy to handle no more than three cards and only one of them.
- A debit card oriented to daily payment without charges for commission deferrals.
- A virtual prepaid card dedicated to online shopping.
- A credit card exclusively for situations of need and deferred payments.
Of course, this is ideal. However, we tend to use the credit card for travel with too much joy generating costs in the form of very high commissions that, perfectly, could be less in other financing products with pre-granted credits. But this is another story.
The ideal credit card for the ordinary citizen should allow the deferment of payment if possible without interest during the first or second month and at low interest the rest. It should be a card without commissions or maintenance costs, and if possible, with the costs of extracting money as low as possible. To this, we must add a reasonable credit based on our income and real needs. With these characteristics, we can really have a more or less suitable product at a time when it seems that the credit card has already become really indispensable if it was not enough.
Best credit card for travel Less luxury but very effective
Of course, it is very distant and one of the best credit cards for travel to most users. They are offered as more than exclusive products, in many cases associated with large fortunes or at least with large accounts. However, there are, of course, intermediate areas, in which we move away from the basic offer of onboard credit cards, and we are already entering a growing path of cards with higher benefits.
Virtually all financial institutions will be able to offer us these top cards that multiply credit limits, increase added insurance and of course, provide added benefits and values outside of the most common credit cards.
In any case, for a good use of credit cards, it is not at all necessary to have these monsters of credit, indeed a good management of the domestic economy goes hand in hand with personal finances and regardless of this, using a card well or badly it is independent of the benefits that it is from (although it is true that the holder of a black card probably has few concerns about whether he uses his plastic money well or badly).
Best Credit Cards 2020 For Travel: Black Brazilian MasterCard (Santander Group)
A tremendously exclusive and one of the best credit cards for travel. Offered by invitation to members of the group’s private banking, it is not known for sure how much money a customer must have in their account to be considered in the invitations. What is known is that there are no more than 3000 units circulating in Latin America. It incorporates advantages such as a concierge service 24 hours a day, seven days a week, access to the VIP lounges of all the airports in the world, or discounts on flights by private jets. It has an annual fee of around $ 350.
Best Credit Cards 2020 For Travel: Merrill Accolades American Express
To consider accessing this card in the place, we should be customers of one of the divisions of the entity, specifically Merrill Lynch Wealth Management, and even if we should wait for the corresponding invitation. The card has an annual fee of about $ 300; however, this fee is limited as long as the customer maintains a minimum balance of $ 250,000 in his brokerage account of the entity. The card has an expense limit of $ 500,000. Among the added advantages is the possibility of obtaining discounts in hotels, discounts to certain companies, including private airplanes and 24-hour service seven days of concierge, very common to VIP cards.
Best Credit Cards 2020 For Travel: NatWest Black MasterCard
It is one of the most exclusive and one of the best credit cards for travel in the world, has a spending limit of 1.5 million dollars, however, its fee, as usual in these cards, barely exceeds $ 400 annually. Of course, it is an exclusive grant card by invitation. It has a large number of benefits, including discounts in practically or two sectors.
Best Credit Cards 2020 For Travel: Citigroup Black Chairman
Another exclusive and one of the best credit cards for travel, only obtainable by the clients of the private investment divisions of the entity. The card provides a credit limit of $ 300,000, an annual fee of $ 500, and the usual concierge services 24 hours seven days, access to all VIP lounges at the airport, accommodation during the trip and so on.
Best Credit Cards 2020 For Travel: Infinite Visa
It is probably one of the most international exclusive ones of the best credit cards for travel; it is a product that will only be granted to customers with accounts with balances of six figures. Although conditions may vary between countries, fundamentally for the concession, the product behaves identically, that is, high credit, and a large number of services such as travel planning, air route updates, bonuses in five restaurants stars and hotels of the same category, discounts in exclusive luxury stores and even health advisors.
Best Credit Cards 2020 For Travel: Coutts World Silk Card
An exclusive card for many reasons, among them, because it is the card used by the Queen of England Isabel II, and because it is a product that is issued in the United Kingdom where there are no more than 100 units distributed. For granting by invitation, you need to have at least $ 1 million in the account in the entity. The credit card has a truly high-interest rate. It has all kinds of added services and advantages and bonuses for use.
Best Credit Cards 2020 For Travel: Stratus Rewards Visa
The Black Cards will be fashionable within the exclusive best credit cards for travel. However, this completely white card is breaking many molds within the exclusive cards. It is an invitation product for millionaire assets, it offers, in general, more benefits than the average of these products, discounts on all the services of luxury items that we can think of, as well as a line of reward points between friends and holders of the cards that they can be used in, for example, flight hours in private planes. It is a more expensive card than the average since it requires an annual fee of $ 1500, although, as we say it also offers higher levels of benefits.
If you have ever wondered if you use the best credit cards for travel right or wrong in this post, we analyze what use you make of the card.
Best Credit Cards 2020 For Travel: Dubai First Royal MasterCard
This is one of those products that the common user can not even imagine exists. The card’s own design, with a part of the sides, cut out of it in gold and the inclusion of a 0.235-carat diamond in the center of the card face, is just a warning of what the product can reach offered. The philosophy of the product itself was summarized in an advertisement in which they indicated that it was a card to which the moon could be requested because it would try to do so through all possibilities. It has no credit limit, has no restrictions and is not only limited to obtaining money or paying bills, but also to a genuine lifestyle management model through the card, yes, only under express invitation and for very few units.
Best Credit Cards 2020 For Travel: JP Morgan Chase Palladium
Made of palladium engraved with laser and gold, it is a card reserved for those who have a relationship in the sections of wealth management investment banking with the entity. This is one of best credit card for travel with a fee of $ 595 per year that competes directly with the American Express Centurion. There is no joint spending limit; the card offers a very high rewards program since each dollar spent is equivalent to points in the rewards program, which are then interchangeable for exclusive services in all segments. The card also offers an additional bonus of 35,000 points for every $ 100,000 spent.
Best Credit Cards 2020 For Travel: American Express Centurion
Probably the most classic and veteran of exclusive best credit cards for travel worldwide. Launched in 1999. The exact details of how to become the holder of this card are not known, what is known are some paths that can be traveled such as having been a client of the American Express Platinum for at least one year, also at least have moved $ 250,000 on the indicated card for one year.
Even so, this is not exclusively an invitation to keep the product. If an invitation is issued, the user must pay an initial fee of $ 5000, then once the service has been added another fee of $ 2500 has been initiated. It is an all-service card, with unimaginable benefits for ordinary mortals, at all levels, 24-hour services, complimentary luxury hotel rooms, access to all flight updates, personal shopping advisors, … In short, a whole range of luxury services accompanies this card.
AMEX-centurion-black-card
Less luxury but very effective
Of course, it is very distant credit cards to most users. They are offered as more than exclusive products, in many cases associated with large fortunes or at least with large accounts. However, there are, of course, intermediate areas, in which we move away from the basic offer of on-board credit cards, and we are already entering a growing path of cards with higher benefits.
Virtually all financial institutions will be able to offer us these top cards that multiply credit limits, increase added insurance and of course, provide added benefits and values outside of the most common credit cards.
In any case, for a good use of credit cards, it is not at all necessary to have these monsters of credit, indeed a good management of the domestic economy goes hand in hand with personal finances and regardless of this, using a card well or badly it is independent of the benefits that it is from (although it is true that the holder of a black card probably has few concerns about whether he uses his plastic money well or badly).
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