Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.
The Centurion® Card from American Express
Get big luxury benefits — if you meet the lofty spending requirements.
Updated . What changed?
What's in this guide?
- How to get the Centurion® Card from American Express
- What are the benefits of the Centurion® Card from American Express?
- Alternative premium credit cards that are not invitation only
- Compare other American Express credit cards
- Is the Centurion® Card from American Express worth it?
- Bottom line
- Frequently asked questions
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. 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. 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 Express||Luxury Card Mastercard® Gold Card™||Chase Sapphire Reserve®||Citi Prestige® Credit Card||U.S. Bank Altitude Reserve Visa Infinite® Card|
(Terms apply, see rates & fees)
|Welcome offer||Earn 75,000 points after you spend $5,000 within the first 6 months of your account opening. Also earn 10x points on US gas station and supermarket purchases, up to $15,000 within your first 6 months of account opening.||N/A||Earn 50,000 points after you spend $4,000 within the first 3 months of your account opening||Earn 50,000 points after you spend $4,000 within the first 3 months of your account opening||Earn 50,000 points after you spend $3,000 within the first 90 days of your account opening|
|Intro APR period on balance transfers||N/A||0% for the first 15 billing cycles, 14.99% variable after that||N/A||N/A||N/A|
|Global Entry or TSA PreCheck fee credit|
|Lounge access||Priority Pass, Delta Sky Club®, The International American Express and Centurion® Lounges||Priority Pass||Priority Pass||Priority Pass||Priority Pass (12 months complimentary access)|
|Other fee credits||Up to $200 in annual Uber credits||N/A||$60 in annual DoorDash credits in 2020 and 2021||N/A||N/A|
|Other complimentary memberships||N/A||N/A||N/A||N/A|
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.
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.
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
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
More guides on Finder
Petal® 1 "No Annual Fee" Visa® Credit Card vs. Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Two great cards for building your credit score.
CIT Savings Connect account review
CIT Savings Connect combines aspects of a checking and savings account in one product.
Sephora Credit Card review
Sephora regulars get to earn rewards on their purchases.
Help your child learn to spend and save wisely with a virtual, COPPA-compliant debit card.
Best credit cards for rewards in 2021
Take advantage of miles, points and perks with a card that best fits your lifestyle.
Best business credit cards for 2021
Here are our top picks for 2021.
Fast track your savings goals with this automation and budgeting app.
Free Spirit® Travel More World Elite Mastercard® review
Earn additional points on Spirit purchases, plus earn points on groceries and dining.
Upgrade Card review
The fee-free Upgrade Card offers 1.5% cash back, but it lacks many standard benefits.
Tomo Credit Card review
A solid cashback card with no credit history required to apply for it.
Ask an Expert