There is a plastic ceiling to some credit cards that will be denied to you no matter how high your credit scores are. They are pretty much invitation-only cards such as the American Express Black card and Chase Palladium card. Both cards are reserved for existing big-spender cardholders. These cards have what is a “plunk factor.” The Centurion, for instance, is made of titanium, while the Palladium is made of the precious metal that shares its name and has the cardholder’s signature permanently etched into it.
But behold, there are plenty of top-tier cards listed on MSN Money that you don’t need to be rich and/or famous to snag that offer stellar rewards for average consumers.