Visa Black Card

Don't qualify for a Centurion Card? Maybe the Visa Black Card ($495 annual fee) is a little more your style. Made with carbon graphite, the exclusive card comes with personalized assistance from a 24-hour concierge service, "luxury gifts," access to the Priority Pass airport VIP lounge program, and a high-end rewards program. Membership is said to be limited to only 1% of U.S. residents, so get that credit rating up.