Centurion Card

If you have to ask... More on reddit.com

They know you’re putting business spend on a personal card. More on reddit.com

Imo Biggest benefit of black card is being able to waltz into the overcrowded centurion lounge and have a reserved table waiting for you. Delta platinum is nice and the concierge is supposedly better. More on reddit.com

Centurion upped the benefits this year to account for lack of travel spend - upon calling they also gave a credit against the annual fee. If you have centurion for bragging rights, then it is great for that, and for giving generally decent benefits across a wide swath of services. However, any one of these services can be done better by specializing your providers. For example, there are services that for around $5k per month will get you access to reservations and events at levels far higher than the centurion (think opening nights, exclusive galas, chef’s tables, etc). Beyond that, it’s really just a credit card with great benefits. Where it has been very helpful is with crazy financial requests, not so much concierge requests you hear about on social media. For example, if you need to put a $400k-$500k charge on the card when your normal monthly cadence is $50-70k a month, call up and no problem. Another boring day at the office. Try doing that with your retail card. Any private wealth card will provide a similar service, the difference is that with centurion those agents are always at the ready and you don’t need to wake someone up from their deep slumber back in New York. To be fair the platinum card offered much the same benefits on the financial side, so I’d recommend starting there and seeing if you feel your life is missing anything. If it is, you can call up the plat line and request a centurion card. If you’re FAT, you’ll get that invite (they do quick asset verification and some other research). Hope this helps. More on reddit.com