What credit card do billionaires use?

Written by Editorial Team | Last Updated: August 2026

Ultra-high-net-worth individuals and billionaires typically utilize exclusive, invitation-only luxury credit cards that offer unmatched concierge services and spending limits. The most famous card in this category is the American Express Centurion Card (commonly known as the Black Card), alongside ultra-exclusive private banking cards issued by institutions like J.P. Morgan, Goldman Sachs, and UBS for their wealthiest clientele.

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