Also known as the Black Card, this exclusive card is issued by invitation only to the wealthiest Amex cardholders. It was reported that the average Centurion® Card from American Express cardholder had an annual household income of approximately $1.3 million and net worth of around $16 million.
You have a higher chance of being invited if you’ve been an Amex cardholder for at least a year and spend and payoff at least $250,000 a year.
There’s a one-time initiation fee of $7,500.
You’ll pay $2,500 a year to keep the card. You can add up to two additional cardholders at an annual fee of each.
Crafted from anodized titanium, the card is laser-etched with your account information.
This means you’re required to repay your full balance by the due date on each statement. If you don’t, you could be charged a late fee or face account suspension.
Amex’s Pay Over Time feature allows you to pay for certain charges of $100 or more over an extended period.
No spending limit.
Since it’s a charge card, the Centurion® Card from American Express doesn’t have a set credit limit. Internally, Amex will set a spend ceiling on your account based on factors like your credit history, income and spending habits.
The card gives you an annual airline fee credit, status upgrades in hotel and airline programs, access to premium airport lounges and clubs worldwide, hotel upgrades and more.
Rental cars and other driving perks.
Limousines, luxury-car rentals and driving experiences are all accessible to Centurion® Card from American Express members.
The Centurion® Card from American Express entitles you to personal shoppers at Net-a-Porter.com and Mr Porter, exclusive luxury-brand sales and access to exclusive events.
Get reservations at the world’s top restaurants, arrange your last-minute travel itinerary or find the perfect gift for a loved one.
Looking for a group of credit cards that offer both luxury and extravagance? Based on exclusivity and perks, these prestigious credit cards top our list.
Centurion® Card from American Express.
This Amex card is widely acknowledged as the most prestigious invitation-only black card in the world.
J.P. Morgan Reserve Card.
Formerly the Chase Palladium Card, this card is made of palladium and brass. It’s issued only by invitation to J.P. Morgan Private Bank clients who have at least $10 million in assets under management.
Dubai First Royale Mastercard.
Trimmed with gold and embedded with a .235-carat solitaire diamond, this card is only offered to royalty and ultra-high-net-worth individuals.
Coutts Silk Charge Card.
This tastefully unembellished card is only available to clients of Coutts, a private bank and wealth management firm.
Sberbank Visa Infinite Gold Card.
This card is made of 24-karat gold and adorned with .17 carats worth of diamonds — and that’s before the privileges and perks. With a reported upfront cost of $100,000, Kazakhstan’s Sberbank may have issued it to as few as 100 of its top clients.
Compare premium credit cards
If you’re looking for a card that offers luxury travel perks, consider The Platinum Card® from American Express. You don’t have to wait for an invitation, and you can get it for much less than an elite card.
Here are just a few things you should know:
Annual fee: $550.
You’ll still pay a premium, but this is far less than you’d pay for an invite-only card.
Welcome offer: Earn 75,000 Membership Rewards points.
Spend $5,000 on purchases on your card within the first 6 months of card membership. You’ll also earn 10x points on US gas station and supermarket purchases, up to $15,000 total, during your first 6 months.
Rewards: Excellent rewards on select travel.
Earn 5x Membership Rewards points on flights and prepaid hotels booked directly with airlines or through American Express Travel. Earn 1x points on other eligible purchases.
Travel fee credits.
Receive up to $200 in statement credits per calendar year on a qualifying airline of your choice. And every four years receive a credit for your Global Entry or TSA PreCheck application fee. You’ll also get up to $200 in Uber credits annually.
Access to the Global Lounge Collection.
Receive complimentary access to more than 1,200 airport lounges around the world, including the best-in-class Centurion lounges.
Benefits at properties in the Fine Hotels & Resorts Program.
Enjoy perks like daily breakfast for two, early check-in and late checkout, room upgrades and free Wi-Fi.
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