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Credit Cards with High Minimum Income Requirements

Signing up for credit cards always have requirements to fulfil. The two most common ones are credit scores and meeting minimum income requirements. Today, we will focus on minimum income requirements. Usually, the common ones are $15,000, $30,000 or $60,000 personal income minimum. But there are other credit cards that are even higher and they are generally considered the “premium” credit cards, which offer a lot more perks and benefits.

The list that I put together below are for credit cards that require  at least $70,000 of personal annual income and/or at least $120,000 minimum annual household income. I have ranked the credit cards based on the income requirements, if tied, I put the lowest annual fee first.

MBNA Rewards World Elite

  • $89 annual fee
  • $70,000 personal annual income
  • $120,000 minimum annual household income

RBC WestJet RBC World Elite MasterCard

  • $99 annual fee
  • $49 annual fee for a supplementary cardholder
  • $70,000 personal annual income
  • $120,000 minimum annual household income

Odyssey World Elite MasterCard

  • $130 annual fee
  • $70,000 personal annual income
  • $120,000 minimum annual household income

Capital One Aspire Travel World Elite

  • $150 annual fee
  • No annual fee for a supplementary cardholder
  • $70,000 personal annual income
  • $120,000 minimum annual household income

BMO World Elite MasterCard

  • $150 annual fee
  • $70,000 personal annual income
  • $120,000 minimum annual household income

National Bank World Elite MasterCard

  • $150 annual fee
  • $50 annual fee for a supplementary cardholder
  • $70,000 personal annual income
  • $120,000 minimum annual household income

CIBC Aerogold Visa Infinite Privilege Card

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder (up to 9 cards)
  • $200,000 minimum annual household income

TD Aeroplan Visa Infinite Privilege Card

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder
  • $200,000 minimum annual household income

RBC Avion Visa Infinite Privilege

  • $399 annual fee
  • $99 annual fee for a supplementary cardholder
  • $200,000 minimum annual household income

Just for kicks:

Canadian American Express Centurion Card

  • $2,500 annual fee
  • $5,000 one-time new membership fee
  • Unknown minimum annual household income, but probably high

Did I miss any?

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Pointshogger aims to provide analysis and updates on earning loyalty reward points and maximizing the value of your points. We hope to inspire our readers to experience the joy of travel and make the most out of what they've already got!

  • Ottawa | Vancouver
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