The Centurion® Card from American Express

Get luxury benefits such as travel credits and hotel upgrades.

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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, 16.49% variable after thatN/AN/AN/A
Global Entry or TSA PreCheck fee credit
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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
The information about Citi Prestige® Credit Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

Another premium Amex card

The Platinum Card® from American Express

  • Earn 60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
  • Enjoy Uber VIP status and free rides in the U.S. up to $15 each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards points on prepaid hotels booked on amextravel.com.
  • Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn more.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. Enrollment required.
  • $550 annual fee.
  • Terms apply.
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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.

Updated February 26th, 2020
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 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. 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
17.24% to 26.24% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus 10,000 miles after your first anniversary. 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 14.49% to 25.49% variable)
$95
6% cash back at US supermarkets. Rates & fees
Hilton Honors American Express Card
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
American Express® Green Card
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
See Rates & Fees
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees

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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.

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