Factsheet
Country United States
Country United States
Wikipedia
en.wikipedia.org › wiki › Centurion_Card
Centurion Card - Wikipedia
2 days ago - It is considered a status symbol among the affluent, but otherwise has an uncompetitive rewards system when compared to other credit cards. Centurion Cards issued in the United States currently have an annual fee of $5,000.00 and a one-time initiation fee of $10,000.00. In 1988, an article in The Wall Street Journal newspaper reported that an exclusive black American Express membership card that was never advertised had been discontinued a year earlier.
Business Insider
businessinsider.com › personal finance › credit cards › amex black card benefits: the ultimate in luxury and service
Amex Black Card: Exclusive Benefits and Luxury Services Overview
May 20, 2025 - Earn 5 Membership Rewards® Points for flights booked directly with airlines or with American Express Travel® (up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel®. Earn 1 Point on other purchases.
Videos
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the AMEX BLACK CARD - is it worth it? - YouTube
Is the @americanexpress Black Card, otherwise known as the ...
Is the @americanexpress Black Card, otherwise known as the ...
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Unboxing the World’s Most Exclusive Credit Card - YouTube
00:40
AMEX Black cards are insane! #amexplatinum #creditcard #centurion ...
10:35
The American Express Black Card and How To Get One! - YouTube
Why is the Amex Black Card so special?
The Amex Black Card isn't just a credit card — it's a status symbol. It's invitation-only, comes with no preset spending limit, and unlocks perks like 24/7 concierge service, top-tier hotel and airline status, VIP airport experiences, and access to events most people can only dream about. It's less about what you can buy and more about what doors it opens.
businessinsider.com
businessinsider.com › personal finance › credit cards › amex black card benefits: the ultimate in luxury and service
Amex Black Card: Exclusive Benefits and Luxury Services Overview
What are the annual fees for the Amex Black Card?
The Black Card reportedly costs $5,000 a year, with a $10,000 initiation fee.
businessinsider.com
businessinsider.com › personal finance › credit cards › amex black card benefits: the ultimate in luxury and service
Amex Black Card: Exclusive Benefits and Luxury Services Overview
Do Amex Black Card members receive complimentary hotel upgrades?
Yes, Amex Black (Centurion) Card members receive top-tier or near-top-tier elite status with several major hotel chains, including Hilton, IHG, Jumeirah Sirius, Shangri-La Golden Circle, Radisson Rewards, and MeliáRewards. These elite statuses often make members eligible for complimentary room upgrades, early check-in, late check-out, and other VIP privileges, although upgrades are subject to availability and not guaranteed. Centurion members also receive Delta Platinum Medallion Status, which provides travel perks like complimentary first-class upgrades and priority services. Terms apply.
businessinsider.com
businessinsider.com › personal finance › credit cards › amex black card benefits: the ultimate in luxury and service
Amex Black Card: Exclusive Benefits and Luxury Services Overview
NerdWallet
nerdwallet.com › credit-cards › learn › amex-black-card
5 Things We Wish We Knew About the AmEx Black Card - NerdWallet
November 7, 2025 - While this sounds exclusive, it's ... access via credit card is nice, but know the limits · Every purchase on the Black Card earns one Membership Rewards point per dollar....
The Points Guy
thepointsguy.com › credit-cards › amex-centurion-black-card
Amex Centurion (black) card benefits — and how to get them without the card - The Points Guy
September 18, 2025 - Other ways to get it: The additional family member coverage is unique to the Centurion Card†. However, the Amex Platinum comes with up to $209 in statement credits and the American Express® Green Card comes with up to $199 in statement credits for Clear Plus memberships (enrollment required, subject to auto-renewal).
Forbes Advisor
forbes.com › advisor › credit-cards › reviews › centurion-from-american-express
American Express Centurion Black Card Review: What To Expect In 2026 – Forbes Advisor
July 20, 2020 - All information about Centurion® ... Rewards point on all eligible purchases · Exclusive retail benefits, including up to $250 per quarter in Saks Fifth Avenue credits....
Credit Karma
creditkarma.com › credit cards › insights › centurion® card from american express review: exclusive benefits at a high cost
Centurion® Card from American Express review: Exclusive benefits at a high cost
Centurion® Card from American Express review: Exclusive benefits at a high cost
Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services, companies or products. ... Rating: 0 out of 5. Editors’ take: The Centurion Card® from American Express, also known as the Amex Black Card, is an ultra-exclusive status symbol offering unparalleled luxury benefits ...
Reddit
reddit.com › r/amex › amex centurion "black card" is a waste of money
r/amex on Reddit: Amex Centurion "Black Card" is a waste of money
June 5, 2024 -
At least for the UK anyway!
Originally I liked the card, aspired to get it - especially since coming from a low income family - but I never actually use it ever anymore.
All my major payments are done via ApplePay, so no one actually sees the card per say, and most of the time the benefits over here in the UK are rubbish.
Is there any unheard of benefit, that I am not quite acquainted to?
The concierge is decent, especially if you are on a trip or business, you can just get them to arrange everything via a quick call to them (one of the only few reasons I hold on), but they cant get me into the top restaurants in London and all these crazy stories I heard were false, in the UK at least, so it is rather unfortunate.
Apart from that, the points system is rubbish, I end up just using the BA AMEX for the companion voucher, Barclays Plus, and then the other credit cards.
The only real reason I hold onto the card is purely for business, in my area, specifically, I just bring the card out deliberately when paying for dinner for clients, to show I am "doing well" and can handle their business. Its literally a Flex card, I wouldnt even say that you get "better service" by showing this card either.
Any fellow Centurion holders, please do let me know if there are any real benefits, that somehow I missed or I am not using properly. Appreciate all responses
Ale
Top answer 1 of 5
93
The US card does technically breakeven and actually exceeds it's value. Free Equinox Membership (4k worth) $1,000 Saks Credit (1k worth) $395 Clear Credit ($395 worth) $200 Uber Credit ($200 worth) Elite statuses you get for Hilton and IHG (free upgrades, 4pm checkout, free breakfast). Elite status for Hertz (the company will pick you up and hand you the car). Delta Platinum status (free upgrades to first class when available, free checked bags, priority boarding). Free lounge access to all networks of AMEX lounges including Delta, Priority Pass and so on. +2 free guest and no lines. For all intents and purposes it's actually a great card, but your gym must be Eqinox. If you fulfill that requirement you'll get thousands of dollars of luxury value and it becomes exceedingly worth it. Personally, if I lived a luxury life of travel and my gym was Eqinox I would 100% want the card too. You get all your money back through lounge access and travel perks.
2 of 5
37
So is the Amex Platinum for 99% of people but they’re not ready for that conversation yet
Join Kudos
joinkudos.com › blog › the-truth-about-the-amex-black-card-is-a-15-000-credit-card-actually-worth-it
Amex Black Card Review 2025: Benefits, Costs & Alternatives
For those focused on maximizing Membership Rewards, cards like the American Express® Gold Card or American Express Platinum Card® provide better-earning potential across various spending categories. A savvy strategy for Centurion cardholders is to pair their Black Card with these higher-earning Amex options. This approach allows you to optimize point accumulation on everyday spending while still benefiting from Centurion’s exclusive travel redemptions and perks.
Alpen Partners
alpenpartners.com › home › insights › lifestyle › american express centurion card
American Express Centurion Card | Alpen Partners International AG
November 16, 2023 - The American Express Centurion Card, often known as the “Black Card,” is renowned for its exclusivity and elite benefits and services that cater to high-end lifestyles. This distinctive and prestigious credit card is not something one can apply for through traditional means.
Quora
quora.com › What-are-the-benefits-of-an-American-Express-Amex-Black-card
What are the benefits of an American Express (Amex) Black card? - Quora
Answer: Three main benefits 1. No credit limit. You see it, you buy it. A cardmember once bought at £32 million yacht Sunseeker on his Centurian card. The phone will ring with the retailer to check security, whilst another person hurriedly ...
WalletHub
wallethub.com › d › american-express-centurion-card-999c
American Express Centurion Black Card Reviews & Info
Centurion® Card from American Express
Among the Black Card’s reported benefits are a do-it-all concierge and airport lounge access. Info about the Centurion® Card from American Express has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details. ... The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit ... Reviews, rates, fees, and rewards details for The Centurion® Card from American Express. Compare to other cards and apply online in seconds
CNBC
cnbc.com › cnbc select › credit cards › black credit cards are the ultimate status symbol — but what are they?
Black credit cards are the ultimate status symbol — but what are they?
October 2, 2025 - Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Premium luxury credit cards, or "black cards," are the most exclusive credit cards on the market.
One Mile at a Time
onemileatatime.com › home › amex centurion card (black card) revealed: cost, perks, and more
Amex Centurion Card (Black Card) Revealed: Cost, Perks, And More - One Mile at a Time
August 15, 2025 - The Amex Centurion Card is built on the basics of American Express Platinum Card® (review), so it offers most of the perks you’ll find on that card, like Marriott Gold status, an annual CLEAR credit, an annual Uber benefit, access to lounges globally, etc. But then there are all kinds of incremental perks as well, given the card’s $10,000 initiation fee and $5,000 annual fee. In addition to having a card that will no doubt turn heads, the Black Card offers the following perks:
Reddit
reddit.com › r/amex › black card
r/amex on Reddit: Black Card
May 20, 2025 -
I run an e-commerce business and I spend around 70-80k a month currently. I just started spending this much around 2 months ago, however, I always spent at least 200-300k a year for the last 2 years. How much more do I need to spend to be offered a black card?
Top answer 1 of 5
338
The exact requirements to be invited to own the Centurion are not public. But last I have seen the current understanding is you need to have an income north of $1,000,000 (unsure about business income) and a yearly spend of around $350,000 for personal and $500,000 for business on existing Amex accounts, with a preference for spending on Platinum. A reminder, while a status symbol, the Black Card is not in anyway a smart card to have. The fees and limited rewards make it a fairly poor card by itself.
2 of 5
193
I spent $2.8mm on my business cards last year and have not gotten an offer. Good luck.
Rates
rates.fm › homepage › cards › amex black card benefits: key perks you shouldn’t miss
AmEx Black Card Benefits: Key Perks You Shouldn’t Miss
August 29, 2025 - American Express Black Card limit — you’re free to shop without worrying about hitting a ceiling. With the Amex Centurion Card, you can buy absolutely everything, even things you can’t buy with other credit cards.
Military Money Manual
militarymoneymanual.com › home › amex centurion card military benefits – “black card” mla
Amex Centurion Card Military Benefits - "Black Card" MLA
October 3, 2025 - I believe MLA benefits would apply to the elusive Amex Black Card.. I'm not sure about the $10,000 initiation fee. However, I have no data points to support this. But, it's definitely possible that someone who is eligible for an American Express Centurion card would also be eligible for MLA benefits.
CNBC
cnbc.com › cnbc select › personal finance › here's how to request an invite for the exclusive american express centurion black card
Here's how to request an invite for the exclusive American Express Centurion Black Card
April 7, 2020 - If you want a premium card without $15,000 in fees your first year and $5,000 thereafter, consider more mainstream cards with significantly lower annual fees, such as the American Express Platinum Card® ($895, see rates and fees) or the American Express® Gold Card ($325, see rates and fees). All three of these cards can save you thousands in annual fees and offer competitive rewards and benefits. For example, similar to the Black Card, the Platinum Card® offers widespread airport lounge access, hotel elite status with Marriott and Hilton, credits towards an Equinox gym membership and more.
American Express
americanexpress.com › us › credit-cards
Credit Cards - Compare & Apply Online - American Express
Find the best credit card by American Express for your needs. Choose between travel, cash back, rewards and more. Apply for a credit card online.
Quora
quora.com › What-are-the-pros-and-cons-of-getting-an-American-Express-Black-Card
What are the pros and cons of getting an American Express Black Card? - Quora
Answer: The only reason to have an American Express Black Card is for bragging rights. An American Express Platinum Card will accomplish the same purpose at a lower cost. There will always be people who like the exclusivity of the American Express Black Card, and the people they encounter will kn...
Financer
financer.com › cards › get-a-american-express-black-card
How to Get an American Express Black Card in 2026
The American Express black card offers exclusive perks and benefits to holders which include elite-level statuses at prominent hotels and airlines as well as car rental services. The American Express black card is a no-limit credit card.