Hardest Credit Cards to Get

The hardest credit cards to get approved for require you to have excellent credit, a lot of income and, in some cases, an invitation. For example, you can only get the Centurion “Black” Card from American Express if you charge hundreds of thousands of dollars each year and receive an invite to apply. Being hard to get doesn't necessarily make a credit card good, though. As a result, we evaluated more than 350 credit cards for people with excellent credit to identify both the most exclusive cards (in terms of accessibility to the general public) and the offers with the best terms, which would presumably be among the most difficult to get.