WalletHub Rating
1.2/5
The Centurion® Card from American Express, better known as the Amex Black Card, is the most prestigious and exclusive card around, and it’s reportedly a great asset for those fortunate enough to qualify for an invitation. Among the Black Card’s reported perks are a do-it-all concierge and airport lounge access. It’s a powerful status symbol, too, indicating the user is extremely well-off. 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.
WalletHub Rating Breakdown
User Reviews
4.2/5
82 reviewsRead and write reviews
Editor’s Review
3.0/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
0.6
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 card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Rewards” for this card.
Fees
1.3
Rewards
0.8
Cost
0.0
Other Features
5.0
0.6/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$5000
APR on Purchases
21.24% (V)
Balance Transfer
Balance Transfers Not Allowed
Rewards
1X Membership Rewards point for every eligible dollar you spend.
Membership Rewards® points can be used towards travel, dining, shopping, and merchandise.
Points have no expiration date and there's no limit to the amount of points you can earn.
Centurion® Card from American Express' Additional Info
•
All information about the Centurion® Card from American Express has been collected independently by WalletHub.
•
This card requires a $10,000 initiation fee.
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Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
March 28th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Centurion® Card from American Express Pros & Cons
Prestigious status symbol
24/7 concierge service
Airport lounge access
Elite status with airlines, hotels, and rental car companies
Retail credits
Requires an invitation
High initiation fee
High annual fee
Modest rewards
Centurion® Card from American Express Review
3.0 / 5
The Centurion® Card from American Express, better known as the Amex Black Card, is the most prestigious and exclusive card around, and it’s reportedly a great asset for those fortunate enough to qualify for an invitation. Among the Black Card’s reported perks are a do-it-all concierge and airport lounge access. It’s a powerful status symbol, too, indicating the user is extremely well-off.
This is not a card for the general public, however. Most people will not qualify for the Amex Black Card, and based on the perks we know about, most people will save more money with other cards. This card will not make you a celebrity or give you unlimited spending power.
Who Can Apply for the Amex Black Card?
To qualify for the Amex Black Card, you reportedly need to spend at least $350,000 per year on other American Express cards – and pay the monthly bills on time, of course. You also need an income of at least $1 million per year and an excellent credit score. If that sounds like it’s a bit out of your league, don’t worry; you’re in good company!
How Much Does the Amex Black Card Cost?
If you’re among the lucky few who earn an invitation and get approved for the Black Card, you will have to pay a $10,000 initiation fee and a $5,000 annual fee. For comparison, the average annual fee across more than 1,500 credit card offers is just $21.58.
What’s So Special About the Amex Black Card?
Unfortunately, more is known about the Centurion Card’s eligibility requirements than what it actually brings to the table. We dug up a few details, though. In addition to a 24/7 concierge that can do everything from booking restaurant reservations to planning a party or even a trip, cardholders enjoy a credit limit that varies over time, hotel and airline perks, and secondary benefits such as travel insurance and extended warranties.
Alternatives to the Amex Black Card
Two of the best alternatives to the Amex Black Card are The Platinum Card® from American Express and the Chase Sapphire Preferred® Card. Both are highly rewarding, and they are prestigious but not overly exclusive. These cards require good or excellent credit for approval, along with enough income to afford the monthly bill payments.
- Chase Sapphire Preferred® Card: Best for Travel Rewards
- The Platinum Card® from American Express: Best for Airport Lounge Access
- Chase Freedom Unlimited®: Best for Bonus Cash Back Rewards
- Chase Sapphire Reserve®: Best for the Visa Infinite Concierge
- Wells Fargo Active Cash® Card: Best for No Annual Fee
For more options, check out the rest of WalletHub’s picks for the best rewards credit cards available to the general public. You can also check your latest credit score for free right here on WalletHub to determine what kind of card to target.
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Compare The Centurion® Card from American Express vs. Popular Alternatives
 Centurion® Card from American Express |  First Tech Choice Rewards World Mastercard® |  Chase Sapphire Preferred® Card |
|---|---|---|
1.2WalletHub Rating WalletHub Rating 1.2 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.0 User Reviews 4.2 Market Comparison 0.6 fees: 1.3 rewards: 0.8 cost: 0.0 Other Features: 5.0 | 3.0WalletHub Rating | 4.6WalletHub Rating WalletHub Rating 4.6 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 5.0 User Reviews 3.9 Market Comparison 4.6 fees: 2.9 rewards: 4.8 cost: 5.0 Other Features: 5.0 |
annual fee$5000 | annual fee$0 | annual fee$95 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR21.24% (V) | Regular APR13.5% - 18% (V) | Regular APR21.49% - 28.49% (V) |
Apply Now | Apply Now |
Questions & Answers
Can't find what you are looking for? Submit your question about Centurion® Card from American Express to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
26
Upvotes
Does Amex still have a black card?
Reply
26
John Miller, Credit Cards Moderator
@john_miller
Yes, Amex still has a black card, called the Centurion® Card from American Express. The card is reserved for Amex cardholders who spend a certain amount per year. There are quite a few benefits that the card has to offer, such as access to Centurion Lounges, hotel benefits, Delta Medallion status, and personal concierge. Plus, you can earn 1 point per $1 spent in Membership Rewards.
The Centurion® Card from American Express is an exclusive, invitation-only credit card. There is an initiation fee of $10,000 and you have to pay $5000 every year just to keep the card open. You can also request an invitation for the card online, though there is no guarantee of actually receiving an invite.
1
Upvote
How do I get a Black Card?
Reply
1
Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
To get a Black Card from American Express, you must receive an invitation to apply, have Excellent credit, and pay the $10,000 initiation fee. Amex customers can request an invitation for the Black Card online, though there is no guarantee of actually receiving an invite. The Amex Black Card is officially called the Centurion® Card from American Express, and it is reportedly reserved for customers who charge hundreds of thousands of dollars per year to other Amex cards.
How...
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1
18
Upvotes
What are the requirements for an American Express Black Card?
Reply
18
3
Benny Joseph, WalletHub Analyst
@Benjy_1
The American Express Black Card's requirements are rumored to include being an Amex cardholder for at least a year, spending over $100,000 annually on American Express credit cards, and annual income of at least $1 million. You'll probably need to have an excellent credit score, too. To be clear, these things only get you an invitation to apply for the card. So that's just the bare minimum needed. There is a steep "initiation fee" of...
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12
3
104
Upvotes
What is a black credit card?
Reply
104
10
Paddy Sullivan, WalletHub Credit Card Advisor
@PaddySully
A black credit card is an exclusive, invitation-only credit card issued by American Express. The so-called Amex black card is more formally known as the Centurion® Card from American Express, and it has become a status symbol in pop culture.
Centurion® Card from American Express Details
- Approval requirements: Amex does not disclose income requirements for the Centurion® Card from American Express, but online reports say you have to spend a certain amount per year on an Amex card to merit consideration for an invitation....
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19
View more answers
64
Upvotes
How much is the American Express Black Card credit limit?
Reply
64
1
Peter Fox, WalletHub Analyst
@PeterFox
The American Express Black Card's credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is ano preset spending limit(NPSL) card. American Express may also adjust the limit based on your card use.
This is one of themost exclusive credit cardsout there, and it's designed for high-spenders.
11
4
8
Upvotes
How do I apply for the American Express Centurion card?
Reply
8
3
WalletHub
@WalletHub
You'll have to be invited by American Express to get an Amex Black Card application. And to get an invitation, you have to spend (and pay off) a lot of money in a year on American Express credit cards.
It's hard to say who gets one and who doesn't, but the application process is different than nearly every other consumer credit card. Unfortunately, we can't give many specifics, as the Amex Black Card is...
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7
8
Upvotes
What are the black card income requirements?
Reply
8
2
Chip Lupo, Credit Card Writer
@CLoop
The American Express Black Card income requirement is reportedly at least $1 million per year. It's rumored that you must also spend and pay off at least $350,000 across your American Express credit cards annually just to get an invitation to apply. If you're invited to apply and you get approved for the Centurion® Card from American Express, you will have to pay a $10,000 initiation fee and a $5000 annual fee.
It's important to note that while...
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15
Upvotes
Which credit card is best in the world?
Reply
15
Maria Adams, Credit Cards Moderator
@m_adams
The best credit card in the world is considered to be the Centurion® Card from American Express, which is famously known as the "black card." This card is seen as a status symbol for rich and influential people. Benefits include free access to airport lounges, elite status and other perks at various hotels, a personal concierge, lots of travel insurance and more.
There are several more cards that are listed among the best in the world, such as...
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10
11
Upvotes
What is the rarest credit card in the world?
Reply
11
Adam McCann, Financial Writer
@adam_mcan
The rarest credit card in the world is likely the Centurion® Card from American Express, also known as the “Black Card.” This card is available by invitation only, and you will reportedly need to spend at least $250,000 per year on other Amex credit cards and have an income of $1 million+ to get it.
The annual fee is also a staggering $5000, and there's a one-time $10,000 initiation fee. Because of the strict requirements and high costs,...
show more
7
Upvotes
What does it mean when you have a black card?
Reply
7
2
WalletHub
@WalletHub
The "Black Card" has become a pop-culture status symbol, signifying wealth and exclusivity. But the real one doesn't actually have „Black” in its name. The American Express Centurion Card is the Black Card everyone talks about, and its coloring is responsible for the nickname. That's important to realize because there is a copycat Black Card, the MasterCard Black Card, which is just an overpriced imitation. Having that Black Card in your wallet will just leave...
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7
2
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Centurion® Card from American Express is an Editor's Pick for:
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Centurion® Card from American Express Reviews
Share your insights and review for the Centurion® Card from American Express
5
43%
4
41%
3
11%
2
5%
1
0%
4.2
82 reviews
82 reviews
What's Your Rating?
Christie
@christie_lubnewski
5 Star Rating
I enjoy it terribly I must admit! I never aspired to be invited for the card. But, once I received the invitation, I was curious. I love the access and the perks :)
Comment
Louis V
@Bitholov
4 Star Rating
This card has two variants: personal and business card (the best). Both offer 1.5X points / $1 on purchases over $5,000, but the business variant has better benefits...
Comment
1
Forrest Rosenberry
@W12121w
5 Star Rating
The travel services alone are worth the fee. My wife has an assigned agent who helps with everything involved in a trip, overseas and local. Greeters, luggage assistance, even the tiny details. I.e. flowers in the rooms. Someone is always available to help.
Comment
2
+ 79 WalletHub users submitted a rating without writing a full review
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Centurion® Card from American Express
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Important Disclosures
* WalletHub is committed to transparency and editorial independence. The information about the following cards has been independently collected by WalletHub: Centurion® Card from American Express, RBC Bank Visa Signature Black Credit Card, and Mastercard® Black Card
WalletHub is an independent comparison service.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsem*nt of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
People Also Apply For
First Tech Choice Rewards World Mastercard®
Chase Sapphire Preferred® Card
Wells Fargo Autograph℠ Card
Citi Premier® Card
The Platinum Card® from American Express
Choice Privileges® Mastercard®
Southwest Rapid Rewards® Plus Credit Card
Hilton Honors American Express Card
2024 WalletHub Awards
Centurion® Card from American Express is an Editor's Pick for:
Hardest Credit Card To Get
American Express Credit Cards
Related Credit Card Categories
Centurion® Card from American Express is related to the following categories:
Compare Travel Credit CardsPoints Credit CardsChip and PIN Credit CardsAmerican Express Rewards Credit Cards
Offer last updated: Mar 28th, 2024 at 21:52 ET
