this is the next card i want The number one most exclusive credit card in the world, resides with the original “black card.” Launched in 1999, the American Expression Centurion Card has maintained its high status through the hard work of American Express to keep a veil of mystery around the card. While American Express won’t release the full details of how one becomes a cardholder, a few details have made their way onto the internet over the past 15 years. Before you can even come close to carrying this card in your wallet, you must have been an American Express Platinum cardholder for over one year. You must also have charged at least $250,000 on the American Express Platinum card within one year. After you have been deemed an established American Express cardholder you must still be invited to join the high rankings of American Express Centurion cardholders. If you are lucky enough to be invited you will need to pay an initial fee of $5,000. After you have paid the hefty fee you will need to pay an annual fee of $2,500. But don’t worry, all of these fees will get you some very nice perks. There is a 24-hour American Express concierge that you may call upon whenever your heart desires. You will also have access to flight upgrades, complimentary hotel rooms, personal shoppers, and even the ability to shut down a luxury retail story so you can shop in privacy.