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Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

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American Express Centurion® Card Review

The Ultimate Status Symbol, Unlock Unparalleled Luxury and Exclusive Benefits, Elevate your Lifestyle

American Express Centurion® Card Review

Learn More

The Ultimate Status Symbol, Unlock Unparalleled Luxury and Exclusive Benefits, Elevate your Lifestyle

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.


Dive into the world of luxury and exclusivity with the American Express Centurion® Card, often referred to as the “Amex Black Card.” This card isn’t just a financial tool; it’s a symbol of elite status and unparalleled service. In this in-depth review, we will explore the mystique of the Centurion Card, discussing its features, benefits, and the unique lifestyle it offers.

Designed for the affluent and the discerning, this card isn’t merely about spending power; it’s about access to a world of exclusive services, high-end experiences, and unmatched convenience. From its invitation-only policy to its bespoke concierge service, the Centurion® Card is a testament to the pinnacle of luxury living.

With its hefty initiation and annual fees, it’s not for the average consumer, but for those who make the cut, it offers unparalleled benefits and services​. Keep reading to learn more.

Welcome Bonus

The American Express Centurion Card, known for its exclusivity, does not traditionally advertise a standard welcome bonus like other credit cards. However, new members may occasionally be greeted with a lucrative sign-up offer. These offers are typically tailored and may include a substantial amount of Membership Rewards points after reaching a specified spending threshold within a set period.

For example, there have been instances where new Centurion cardholders received offers like 180,000 Membership Rewards points after spending $20,000 in the first six months. This kind of welcome bonus is particularly enticing, as it offers a significant head start in accumulating points that can be redeemed for travel, gifts, or other rewards. It’s important to note that these offers can vary and may not always be available. They are often part of the invitation package and are subject to change based on American Express’s policies and the potential cardholder’s spending profile.

Additionally, the welcome bonus, if offered, is just the tip of the iceberg when it comes to the rewards and benefits that come with the Centurion Card. The real value of the card lies in its ongoing benefits and exclusive services that cater to the luxurious lifestyle of its cardholders​​​​.

Earning Rewards

The American Express Centurion Card not only symbolizes status but also offers a robust rewards system. Cardholders earn Membership Rewards points on every purchase, although the rate may vary based on the country of issue. In the U.S., typically, the Centurion Card accrues one point per dollar spent​​. This straightforward rewards structure is designed for simplicity, allowing cardholders to accumulate points quickly, especially given the high spending habits associated with the card.

While the points-per-dollar rate might not seem as high as some other premium credit cards, the sheer volume of spending by Centurion cardholders often results in substantial rewards accumulation. These points are part of the versatile American Express Membership Rewards program, known for its flexibility and value. Cardholders can redeem points for travel, experiences, merchandise, or even transfer them to a range of airline and hotel loyalty programs, often at favorable conversion rates.

Moreover, the Centurion Card occasionally offers bonus points for certain categories of spending or during specific promotional periods. These bonuses can significantly enhance the value of every dollar spent, making the card an even more attractive option for high spenders. It’s important for potential cardholders to consider their spending patterns and preferences to maximize the benefits of the rewards program.

Redeeming Rewards

The redemption of rewards earned through the American Express Centurion Card is an area where the card truly shines, offering a plethora of options that cater to the luxury preferences of its cardholders. The Membership Rewards points can be redeemed in several ways, each designed to provide exceptional value and convenience.

  1. Travel: One of the most popular ways to redeem points is for travel-related expenses. Cardholders can use their points to book flights, hotels, and car rentals through the American Express travel portal. The points can also be transferred to a wide range of airline and hotel loyalty programs, often at a 1:1 ratio, which can maximize their value. This flexibility allows cardholders to benefit from the best deals and exclusive travel opportunities.
  2. Exclusive Experiences: The Centurion Card offers access to unique experiences, such as private tours, special events, and premium access to high-demand venues. These experiences are often not available to the general public or even to other premium cardholders.
  3. Merchandise and Gift Cards: Points can be redeemed for a wide range of merchandise, from high-end electronics to luxury goods. Additionally, cardholders can exchange points for gift cards at select retailers, offering another way to utilize rewards.
  4. Statement Credits: Another simple yet effective way to use points is by applying them as statement credits to offset card charges. This direct method provides immediate financial benefit, essentially turning points into cash savings.

It’s important to note that the value of points can vary based on the redemption method. Cardholders should assess the different options to ensure they are getting the best possible value from their rewards.

Perks and Benefits

The American Express Centurion Card is renowned for its extensive range of luxury perks and benefits, setting it apart from other premium credit cards:

  1. Airport Lounge Access: Cardholders enjoy complimentary access to Amex Centurion Lounges, known for their upscale amenities, at major airports worldwide. They also get access to Delta Sky Clubs when flying Delta, and Priority Pass Select membership, providing entry to over 900 additional airport lounges globally​​.
  2. Hotel and Rental Car Benefits: The card grants upgraded status in various hotel loyalty programs, including Gold with Starwood Preferred Guest, Diamond with Hilton Honors, and Platinum Elite with IHG Priority Club. These statuses offer benefits like free breakfast, room upgrades, and late checkouts. Additionally, Centurion cardholders receive elevated status with car rental services like Hertz Platinum and Avis President’s Club, offering vehicle upgrades and guaranteed availability​​.
  3. Concierge Service: The Centurion Card’s concierge service is renowned for its effectiveness and scope, handling everything from travel bookings to hard-to-get reservations and tickets. This personalized service is a significant draw for those who value convenience and exclusive experiences​​​​.
  4. Travel Benefits: Cardholders enjoy complimentary companion tickets on international flights, special privileges with the Centurion Hotel Program at luxury hotel brands, and benefits through the Amex Fine Hotels & Resorts program. There are also various travel credits available, like a $200 airline fee credit​​.
  5. Shopping and Entertainment: The card offers exclusive access to events, special seating at concerts and shows, and shopping benefits like extended warranties and purchase protection. Additionally, it provides unique opportunities like private shopping experiences at high-end retailers​​.
  6. No Pre-set Spending Limit: The Centurion Card does not have a pre-set spending limit, allowing for large purchases and providing immense financial flexibility, especially for business-related expenses​​.

These perks underscore the Centurion Card’s focus on providing a luxury lifestyle experience, not just a payment tool.

Pros and Cons


  1. Exclusivity: The invitation-only nature of the American Express Centurion Card adds to its allure and prestige, making it a status symbol among high-net-worth individuals.
  2. Comprehensive Concierge Service: The concierge service provided with the Centurion Card is renowned for its breadth and quality, capable of handling a wide array of personal requests, from travel arrangements to securing hard-to-find items or experiences​​​​.
  3. Travel Benefits: Unparalleled access to airport lounges, upgraded status in airline and hotel loyalty programs, and comprehensive travel protections make the Centurion Card a top choice for frequent luxury travelers​​​​.
  4. Financial Flexibility: The absence of a pre-set spending limit on the card allows for significant purchasing power, which is particularly beneficial for large expenses and business use​​.
  5. Luxury Lifestyle Perks: Exclusive event invitations, private shopping experiences, and premium access at entertainment venues cater to a luxury-oriented lifestyle​​.


  1. High Costs: The initiation and annual fees are among the highest in the credit card industry, making the Centurion Card financially inaccessible to many and questionable in terms of cost-benefit for some potential users​​.
  2. Limited Availability: The card’s invitation-only nature means it’s not an option for most people, regardless of their creditworthiness or financial status.
  3. Rewards Program: While the card does earn Membership Rewards points, the earning rate of one point per dollar may not be as competitive as other premium cards, especially for those who value rewards maximization​​.
  4. Suitability: Given its high costs and luxury benefits, the Centurion Card may not offer practical value for individuals who do not frequently engage in luxury travel or require high-level concierge services.

In summary, the American Express Centurion Card is a pinnacle of luxury credit cards, offering unmatched services and benefits suited for a very specific clientele. The decision to pursue an invitation should be weighed against the card’s high costs and the practical value of its offerings for the individual’s lifestyle and spending habits.

Comparison to Other Cards

When comparing the American Express Centurion Card to other luxury credit cards, several aspects stand out. The Centurion Card is in a league of its own in terms of exclusivity, services, and benefits, but it’s important to consider how it stacks up against other high-end options:

  1. Exclusivity: The Centurion Card is invitation-only, making it one of the most exclusive cards available. This contrasts with other premium cards that often have specific eligibility criteria but are generally available to applicants who meet those criteria.
  2. Annual Fee and Initiation Cost: The Centurion Card has a substantial initiation fee (up to $7,500) and an annual fee ($2,500), which are significantly higher than most other premium cards. This high cost is a key differentiator, positioning the Centurion Card as a luxury item beyond the reach of the average consumer​​.
  3. Rewards and Points: While the Centurion Card offers one point per dollar spent in the U.S., some other premium cards offer higher reward rates or bonuses in specific spending categories. However, the sheer volume of potential spending with the Centurion Card can offset this difference.
  4. Travel Benefits: The Centurion Card’s travel perks, such as access to exclusive lounges, upgraded statuses with airline and hotel loyalty programs, and comprehensive concierge services, are unmatched. Other premium cards offer similar benefits, but not at the same level of luxury and exclusivity​​​​.
  5. Additional Services: The range of services, including concierge, exclusive event access, and shopping benefits, are more extensive with the Centurion Card compared to others. These services cater to a lifestyle of luxury and convenience.
  6. Spending Flexibility: The lack of a pre-set spending limit on the Centurion Card provides unparalleled financial flexibility, especially beneficial for high-net-worth individuals and business expenses​​.

In summary, while other premium cards offer a range of benefits and rewards, the American Express Centurion Card stands apart in its level of exclusivity, luxury services, and overall prestige.


In conclusion, the American Express Centurion Card represents the zenith of luxury credit cards, offering unparalleled services and benefits tailored to the ultra-wealthy and frequent travelers. Its exclusivity, comprehensive concierge service, and superior travel perks set it apart in the market. However, the high costs and limited availability make it a niche product. This card is best suited for those who can leverage its unique offerings to their full extent, particularly in terms of luxury travel and lifestyle experiences. For those who fit its target demographic, the Centurion Card is more than a payment method; it’s a gateway to a world of elite privileges.

Frequently Asked Questions

What are the requirements to get an invitation for the American Express Centurion Card?

To receive an invitation for the American Express Centurion Card, you typically need to have a high level of annual spending on other American Express cards, often speculated to be between $250,000 to $450,000. Additionally, a strong overall financial profile and credit history are likely considered by American Express, though the exact criteria are not publicly disclosed​​.

How does the concierge service of the Centurion Card differ from other premium cards?

The Centurion Card’s concierge service is known for its exceptional scope and quality. It goes beyond typical concierge services by fulfilling more personalized and complex requests, such as arranging exclusive travel experiences, securing hard-to-get tickets and reservations, and addressing unique personal needs. This level of service is more comprehensive than that of most other premium cards​​​​.

Can the Centurion Card be used for business expenses?

Yes, the Centurion Card can be used for business expenses. It offers significant financial flexibility due to its no pre-set spending limit, making it suitable for large business transactions. Additionally, there are specific versions of the card tailored for business use, providing relevant benefits and services​​.

Are there any unique travel benefits exclusive to Centurion Cardholders?

Centurion Cardholders enjoy exclusive travel benefits such as access to Amex Centurion Lounges, upgraded statuses with various airline and hotel loyalty programs, special privileges with luxury hotel brands, and comprehensive travel protections. They also receive benefits like complimentary companion tickets on international flights and special travel credits​​​​.

What makes the American Express Centurion Card different from other American Express cards?

The American Express Centurion Card stands out due to its invitation-only status, exceptionally high initiation and annual fees, unparalleled concierge service, and exclusive luxury perks. It offers more extensive and exclusive benefits compared to other American Express cards, particularly in terms of travel benefits, lifestyle experiences, and financial flexibility with no pre-set spending limit​​.

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