American Express Centurion Card

For those who can afford the eye-popping $5,000 annual charge, American Express offers the Centurion Card. When you sign up for an American Express card, you're helping both yourself and good causes through the company's charitable donation program. Since there is a $10,000 initiation fee for the Centurion credit card from American Express, only the very wealthy need apply.

There is no predetermined spending restriction once your account is active, and the APR for the American Express black card is equal to 25.24%. Please be advised that American Express has the right to refuse any transaction for any reason, including but not limited to the cardholder's creditworthiness or suspicion of fraud.

It's a credit card that can only be obtained through an invitation, and American Express is notoriously secretive about the criteria for receiving one. Since you can't apply for an American Express Centurion Card online, getting your hands on one might be difficult if you don't already have the appropriate connections.

You'll get access to flexible, simple-to-redeem Membership Rewards if you meet the rigorous conditions American Express has set up for Centurion credit cardholders. When trying to secure a reservation at one of the world's most expensive eateries, the individualized attention provided by this service is invaluable.

• Annual Fee: $5,000

Website: https://www.americanexpress.com