Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

The Centurion® Card from American Express

Get luxury benefits such as travel credits and hotel upgrades.

Updated

Fact checked
Man checking in at a hotel with a receptionist
The Centurion® Card from American Express, also known as the American Express Black Card, is a charge card with no set spending limit, a suite of travel and lifestyle perks, and rewards for your spending. But you can’t apply for the card as it’s available only by invitation to a select number of people.

While the eligibility criteria are ambiguous, in 2011 the average household income for cardholders was $1.3 million with assets of $16.3 million. Cardholders must reportedly spend and pay off at least $250,000 in a calendar year with their Amex cards to be invited.

Quick look at the Centurion® Card from American Express

  • Can’t apply for the card — invite only
  • Initiation fee — $7,500
  • Annual fee — $2,500
  • Rewards program — up to 1.5x points on all purchases
  • Hotel elite status at four hotel brands
  • Complimentary Delta SkyMiles Platinum membership
  • Fee credits — Airline and Global Entry or TSA PreCheck
  • Access to special events like Grand Prix de Monaco, Coachella and Kentucky Derby

How to get the Centurion® Card from American Express?

As an invitation-only card, the Centurion® Card from American Express has no stated eligibility criteria. But if you’d like one, these tips might help.

  • Build a relationship with Amex. American Express sends a very limited number of Centurion® Card from American Express invitations to its existing customers. You can increase your chances of getting one by using other premium Amex products.
  • Pay off your account regularly and on time. If you want the Centurion® Card from American Express, you’ll first need to show you can afford to use it.
  • Meet financial requirements. Although there are no financial requirements listed for this card, it’s clear the Centurion® Card from American Express is designed for big spenders and earners. You’ll need to charge and pay off at least $250,000 in a calendar year to have a chance at an invite — or at least $450,000 in a calendar year if you want the business version of the card.

What are the benefits of the Centurion® Card from American Express?

While American Express doesn’t publish details of this card, here are some of the known benefits you’ll find.

  • Personal and business versions.
    The business version of the American Express Black card reportedly has a higher spend requirement to receive an invite. You must spend and pay off at least $450,000 with your Amex cards in a calendar year.
  • Hotel elite status.
    Get a boost to Marriott Bonvoy Gold Elite, Hilton Honors Diamond, IHG Priority Club Rewards Platinum Elite and Relais & Châteaux 5C. Upgraded status often comes with perks like room upgrades, late checkout, welcome gifts and point boosts.
  • Centurion Hotel Program.
    Amex’s Centurion Hotel Program includes eight first-class brands: Mandarin Oriental, Belmond, Aman, Oetker Collection, Peninsula Hotels, Waldorf Astoria, Rosewood and St. Regis. Plus brands in Amex’s Fine Hotels & Resorts collection, which includes over 1,000 properties worldwide. Get perks such as noon check-in, property-specific amenities, daily breakfast for two, room upgrades and 4 p.m. checkout and more.
  • Membership Rewards points.
    The card offers 1x points per dollar you spend. On purchases over $5,000, you’ll receive 1.5x points with a cap of 1 million additional points per year.
  • Complimentary upgrade to Delta SkyMiles Platinum Medallion.
    This Delta status tier includes higher Medallion Mileage earnings, a Choice Benefits gift, complimentary flight upgrades, fee waivers, priority check-in, priority boarding, access to a VIP phone line for support, discounts on Hertz car rentals and savings through Delta Vacations.
  • Complimentary airport lounge access.
    The Centurion® Card from American Express gets you into the top airport lounges in the world. These include Priority Pass Select lounges, Lufthansa First Class, Senator and Business Lounges and American Express Centurion Lounges.
  • Fee credits.
    Every four years, you’ll receive a $100 credit for your Global Entry and $85 for your TSA PreCheck application fee. Every calendar year, receive up to $200 in statement credits for airline incidental fees. You can use them for in-flight purchases, checked bags and change fees.
  • Airport and airline perks.
    Get access to Centurion International Arrival Services: When you fly internationally in business or first class to select destinations, a guide will meet you at your destination airport and take you through customs.
  • First-class experiences.
    Access select events, such as the Grand Prix de Monaco, Coachella and Kentucky Derby. Through Amex’s By Invitation Only program, you can enjoy VIP events for music, fine dining, fashion, sports and more.

Alternative premium credit cards that are not invitation only

The Centurion® Card from American Express is difficult to get with its invite-only status, astronomical fees and high spending requirements. But you can find some of its benefits with similar cards, such as:

  • The Platinum Card® from American Express
  • Luxury Card Mastercard® Gold Card™
  • Chase Sapphire Reserve®
  • Citi Prestige® Credit Card
  • U.S. Bank Altitude Reserve Visa Infinite® Card

Note: Many people visually confuse the Luxury Card Mastercard® Black Card™ with the Centurion® Card from American Express. If you’re looking for a lookalike card, this could be it.

The Platinum Card® from American ExpressLuxury Card Mastercard® Gold Card™Chase Sapphire Reserve®Citi Prestige® Credit CardU.S. Bank Altitude Reserve Visa Infinite® Card
Annual fee$550

(see rates & fees)

$995$550$495$400
Welcome offerEarn 60,000 points after you spend $5,000 within the first 3 months of your account openingN/AEarn 50,000 points after you spend $4,000 within the first 3 months of your account openingEarn 50,000 points after you spend $4,000 within the first 3 months of your account openingEarn 40,000 points after you spend $3,000 within the first 90 days of your account opening
Reward program
  • 5x points on flights booked directly with airlines or through American Express Travel
  • 5x points on prepaid hotels you book through American Express Travel
  • 1x points on everything else
  • 1x points on all purchases, but with 2% value when redeemed for airfare or cash
  • 10x points on Lyft rides up to March 2022
  • 3x points on travel after you earn your annual travel credit
  • 3x points on dining
  • 1x points on everything else
  • 5x points on flights and dining
  • 3x points on hotels and cruises
  • 1x points on everything else
  • 3x points on travel and mobile wallet purchases
  • 1x points on everything else
Airline credit$200$200$300$250$325
Intro APR period on balance transfersN/A0% for the first 15 billing cycles, 14.99% variable after thatN/AN/AN/A
Global Entry or TSA PreCheck fee credit
checkmark
checkmark
checkmark
checkmark
checkmark
Lounge accessPriority Pass, Delta Sky Club®, The International American Express and Centurion® LoungesPriority PassPriority PassPriority PassPriority Pass (12 months complimentary access)
Other fee creditsUp to $200 in annual Uber creditsN/A$60 in annual DoorDash credits in 2020 and 2021N/AN/A
Other complimentary membershipsN/AN/A
  • Complimentary year of Lyft Pink
  • At least one complimentary year of DashPass
N/AN/A

Another luxury credit card

Chase Sapphire Reserve®

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®
  • One Year Complimentary Lyft Pink ($199 minimum value). Complimentary DashPass subscription from DoorDash after activating by 12/31/21.
Read less
Read more
See Rates & Fees

Compare other American Express credit cards

To increase your chances of getting an invitation for the Amex Black Centurion, consider applying for another Amex card to build trust with the card issuer and to show you can manage a premium card.

Data indicated here is updated regularly
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
American Express® Gold Card
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
American Express Cash Magnet® Card
1.5% cash back on all purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
With 1.5% back on everything and a 15 months intro APR on purchases, this no-annual-fee rewards card makes it simple to earn more rewards. Rates & fees
Delta SkyMiles® Gold American Express Card
2x miles on Delta purchases, restaurants and at US supermarkets and 1x miles on all other purchases
15.74% to 24.74% variable
$0 intro annual fee for the first year ($99 thereafter)
With a welcome offer worth up to $600, up to 2x miles on select purchases, and assorted Delta perks, this is a strong choice for Delta fans. Rates & fees
loading

Compare up to 4 providers

Is the Centurion® Card from American Express worth it?

As a status symbol and a gateway to premium perks and features, the Centurion® Card from American Express could be worth it if you’re invited to apply.

What is the Centurion® Card from American Express made of?

One of the most compelling features of the Centurion® Card from American Express is its anodized-titanium construction. This gives the card its distinctive color and a weight of 14 grams. Metal credit cards are becoming more common though, so you don’t have to pay a steep price to ditch the plastic.

Bottom line

The Centurion® Card from American Express has become a status symbol for the elite. Naturally, it’s held a high position among ultra-premium cards since its launch.

If you’re not quite ready for it, bide your time and build your profile with American Express. You can compare American Express credit and charge cards to find one that suits you.

Frequently asked questions

Back to top

More guides on finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site