The Amex "Black" card is widely recognized as one of the most exclusive around. However, the barrier to entry is considerably lower than the J.P. Morgan Reserve. It's available by invitation only to J.P. Morgan private banking members with at least $10 million in investible assets. The ultra-exclusive card was once named the "Palladium" for the fact that it uses the precious metal to help reach its 28-gram weight, the heaviest among mainstream cards. Despite its exclusivity, it shares nearly all its benefits with the far more attainable Chase Sapphire Reserve card, including a $300 annual travel credit, 3X points on travel purchases, Priority Pass Select membership, and an application fee credit for TSA PreCheck / Global Entry.