Whether you’re in the market for a sparkly pink Barbie-themed credit card or you’re more interested in a platinum metal one that’s only available by invitation, credit cards come in all shapes and sizes. Choosing the best ones for your spending habits can be tough, but it’s important to think beyond rewards earning rates and fees and focus on how much value you can get from perks and benefits like hotel loyalty program access and airline travel credits. Source:http://creditrewardperks.com

Hardest Credit Cards to Get: The Elite Cards Worth the Challenge

There are a number of credit cards that can offer the ultimate in luxury and status, but they’re not available to everyone – many are invite-only or require millions of dollars invested with the issuer. From the American Express Centurion Card, known as the “Black Card,” to the Coutts Silk Card and the Merrill Lynch Octave Black Card, these cards can come with high annual fees, but exclusive perks and travel credit opportunities make them worth it for some of the ultra-wealthy.

The fascination with these cards is more than just their opulent rewards and unparalleled perks — it’s the fact that they aren’t even available to most people. Those who do qualify for these cards have excellent credit and significant wealth, so they’re less likely to miss payments and pose a risk to the card issuers. And even if you don’t qualify for one of these cards, there are plenty of great credit cards that offer luxurious perks for those with excellent credit.