Our editor's take
CardRatings Managing Editor
This is definitely a high-end card. So if you are at that end of the socioeconomic ladder, this card is for you. This card is exclusive and restricted to only 1% of the population to insure the highest caliber of personal service such as 24-Hour concierge service and an exclusive rewards program. Cardholders may redeem points for airfares with no restrictions or blackout dates for airfare redemption. Downside: There is an annual fee of $495. For each additional card on the account, there will be an annual fee of $195.