Centurion card full#

However, big spenders may find the Centurion to be a more competitive deal, especially with the 24/7 concierge service reputed to entertain even the most whimsical requests from customers. In terms of benefits, both cards have plenty in common.

This is relatively high compared to the $1,450 yearly fee for the American Express Platinum Charge Card, which is the next premium card offered by American Express. The American Express black card with no credit limit will cost you $5,000 in annual fee in addition to a $5,000 joining fee in the first year. While the term, substantial net worth, is debatable, one report indicated that the average Centurion cardholder has a net worth of US$16m (which is more than $21.6m in Australian Dollars). However, having a clean credit rating and substantial net worth should improve your chances of receiving an invitation to apply. In fact, nobody really knows about the exact criteria used by American Express to decide who gets invited for the Centurion Card. It's important to remember that these amounts aren't officially confirmed by American Express, and just because you're a high spender doesn't mean you'll be invited to apply. For a business card, this figure exceeds $450,000. While there's no documented information for how much you need to spend to be eligible, AMEX reportedly extends invitations to apply for the Centurion Card if you've spent and paid off at least $350,000 on your American Express accounts in a calendar year. It's also well known that the black card by AMEX is designed for big earners and spenders. However, there are certain things you can do to increase your chances of securing an invitation for the black card from AMEX.įor instance, you can work towards getting the Centurion card by using another premium American Express card, like the Platinum Card. How do I get an American Express black card?įirst things first, you cannot get an American Express black card unless you're invited to apply for it. As most Centurion cardholders are likely to be high spenders and frequent travellers, the card is also rumoured to provide instant access to key seating for special events and concerts, standing reservations at select restaurants, access to Centurion airport lounges, and complimentary luxury upgrades on airline tickets and hotel stays. More than anything else, AMEX Centurion cardholders covet the exceptional customer service available to them 24/7 worldwide. You also earn Membership Rewards points per $1 on eligible spending but there's no listed earn rate shared by AMEX for the Centurion Card.

Centurion card full#

However, some of the rumoured benefits include limitless spending on the charge card provided you pay the balance in full each month. American Express Centurion black card benefitsĪmerican Express doesn't offer any details about this invitation-only card. However, you're required to pay the statement balance in full each month to continue unrestricted usage of the card. Therefore, you're not charged any interest, and there's no cap on spending. It's also worth noting that the AMEX Centurion Card is not really a credit card but a charge card. But in case you're invited, and you accept the invite, you'll pay a reported whopping $10,000 fees (including a $5,000 joining fee and $5,000 annual fee) for this premium charge card in the first year. Who gets invited to home this coveted card in their wallet and why remains a mystery.

So, even if you have an excellent credit score, it’s not possible to apply for the black Centurion Card by American Express unless you receive an invitation to apply. The American Express Centurion Card (also called the AMEX black card) is one of the most exclusive cards worldwide and is only available on an invitation basis.