The American Express Black Card: Everything You Need to Know

Brendan Harkness

Brendan Harkness | Blog

Jun 07, 2018 | Updated Jul 18, 2018

Drool Over the American Express Black Card — and Then Apply for These Instead

When you think of the American Express black card, you may conjure images of the wealthiest people in the world plunking one down to pay for items that cost more than most Americans earn in a year — or possibly a decade.

The official name of the Amex “black card” is the Centurion® Card from American Express (not to be confused with the more recent Mastercard® Black Card™).

Before 1999, the Centurion card was just a myth. “There had been rumors going around that we had this ultra-exclusive black card for elite customers,” Doug Smith, director of American Express Europe, told Snopes. “It wasn’t true, but we decided to capitalize on the idea anyway.”

And thus the American Express black card, subject of many a rap song and gold digger fantasy, was born.

Drool Over the American Express Black Card

How to Get an American Express Black Card

Though you can read its terms and conditions, you won’t find an application for this card online. That’s because this exclusive piece of plastic, er, metal, is available by invite only.

The requirements to get a black card aren’t publicly available either, but based on other users’ reports, you should probably:

  1. Use other Amex cards
  2. Be an active cardholder for at least a year
  3. Charge at least $250,000 per year (though some estimates are as high as $450,000)

And that’s just to maybe get an invite!

Looking for a card made of metal like the black card? Check out this post about metal credit cards.

Drool Over the American Express Black Card — and Apply for These Instead

What It Costs to Get an American Express Black Card

If you’re one of the few invited to apply for a black card, the buck won’t stop there. You’ll have to pay a hefty initiation/application fee, as well as an annual fee, for the privilege of using this card.

  • Initiation Fee: $5,000–$7,500
  • Annual Fee: $2,500

Can you believe it? More than $5,000 just to get a card? But hey, there are no foreign transaction fees! (Most of the best travel credit cards can get you that)

We guess if that price shocks you (like it does us!), you’re probably not ready for the black card. Instead, focus on building your credit responsibly with the slew of other offers out there.

Drool Over the American Express Black Card, and Then Apply for These Instead

You’ll have to prove that you are worthy.

What’s the Black Card’s APR?

The Centurion card is a charge card — not a credit card — which means you must pay your balance in full each month.

Based on the cardholder agreement, however, it appears that some Centurion cardholders take advantage of a “Pay Over Time” feature. (Which probably comes in handy when you’re spending $250K a year!)

American Express Black Card Benefits

The benefits of the American Express Centurion card match its world class reputation.

If you ask around, you’ll probably hear wild tales of the power of this card and its services. Snopes relates several, including one where an American Express employee traveled by motorcycle to retrieve a handful of sand from the shores of the Dead Sea. The reason? A Centurion cardholder’s child, who lived in London, needed it for a school project.

In addition to Dead Sea sand, here’s what else this card offers:

Membership Rewards Points

When you swipe this card, you’ll earn Amex Membership Rewards Points, which you can use toward flights or hotel stays.

For each dollar spent, you’ll earn one Membership Rewards point, plus 1.5X points on purchases over $5,000 (up to a limit of one million extra points annually).

24/7 Personal Concierge Program

Need front row tickets to T-Swift? How about extended shopping hours at Gucci? Or a tough-to-secure reservation at Nobu or Per Se?

No request is unreasonable when it comes to the deluxe Centurion concierge service, which you can also use for simpler requests like reminder calls for anniversaries and birthdays.

Automatic Hotel Elite Status

Centurion cardholders get automatic Starwood Preferred Guest Gold status, which translates to perks like free upgrades and late check-outs.

You’ll also get elite hotel statuses like Hilton Honors Diamond, IHG Priority Club Rewards Platinum Elite and Relais & Châteaux 5C, with perks like complimentary internet and upgrades, as well as membership to the Centurion Hotel Program, which includes benefits at five luxury hotel chains: Aman, Belmond, Mandarin Oriental, Peninsula Hotels and St. Regis.

Automatic Car Rental Elite Status

When you rent a car with your Centurion card, you’ll get:

  • Primary car rental insurance (as long as you decline the collision damage waiver).
  • Roadside assistance, including free towing and jumpstarting.
  • Elite status with car rental companies like Hertz and Avis.

Through the Centurion Auto program, you’ll have access to a luxury car rental service, with preferred pricing on exotic high-end vehicles like Lamborghinis, Bentleys and even Formula One racing cars.

Delta Skymiles Platinum Medallion Status

In addition to hotels and car rentals, you’ll get to feel special when you fly Delta.

You’ll receive automatic Platinum Medallion status, which means complimentary upgrades and priority check-in and boarding — and no charges for reissuing mileage tickets.

Other Travel Perks

If it’s not obvious yet, the American Express black card offers some serious perks for travelers.

Though there are more benefits than we can list here — including for cruises, restaurants, stores and other events — here are a few more you should know about:

  • Access to Centurion Lounges: Known as some of the best airline lounges around, Centurion Lounges have high-caliber food, drinks and services, with some even offering spa treatments and massages!
  • Priority Pass Select membership: As a Priority Pass member, you’ll gain access to hundreds of airport lounges around the country.
  • Free in-flight WiFi: Want to get work done on the plane? You’re in luck: This card comes with complimentary Boingo and Gogo WiFi access.
  • Global Entry fee credit: Every four years, you’ll receive a $100 statement credit to cover your Global Entry application fee.
  • $200 travel credit: On an airline of your choice, you’ll receive up to $200 in annual statement credits to cover fees like checked bags and in-flight food and beverage purchases.
  • International arrival services: When you fly first class into one of 32 international airports, you’ll be assigned a personal guide to speed up your immigration and customs process.

No Pre-Set Spending Limits

Perhaps the best-known perk of the Centurion card is the fact it has no pre-set spending limit (also known as a credit limit).

This can come in handy if you want to impulse-buy something expensive, like a $36 million tea cup. Just make sure you’ve got enough money in the bank, as charges must be paid in full each month.

Can I Get More Than One?

Though American Express black card holders could once have up to 99 authorized users share their account, those golden days are over. In a bid to make the card more exclusive, cardholders are now limited to two authorized users per account.

Get Your Metal Card Fix with a Mastercard® Black Card™

In stark contrast to the Centurion card, anyone can apply for the the Mastercard® Black Card™ (Review) (formerly known as the Visa Black card).

This metal rewards card comes with several high-end travel benefits and a much lower annual fee than the Centurion card. Unlike the Amex card, it also offers the point equivalent of 1.5% cash back on every purchase, except for 2% back on airfare redemptions.

However, we don’t recommend this card because it doesn’t offer much value for the high $495 annual fee.

Mastercard® Black Card™
Apply Now

Mastercard® Black Card™

For People with
Excellent Credit

  • Annual Fee: $495
  • Interest Rate: 16.74% Variable
Quick Card Facts
  • Stainless Steel – Patented Card Design
  • Luxury Card Rewards Program
  • 2% Value for Airfare Redemptions
  • 1.5% Value for Cash Back Redemptions
  • 24/7 Luxury Card ConciergeTM
  • Exclusive Luxury Card Travel Benefits
  • $100 Annual Airline Credit Toward Qualifying Purchases
  • $100 Global Entry Application Fee Credit
  • Luxury Gifts
  • Members-Only LUXURY MAGAZINE
  • Annual Fee: $495 ($195 for each Authorized User)
  • 16.74% Variable APR on Purchases and Transfers
  • 0% Introductory APR on balance transfers made in the first 45 days after account opening

Alternatives to the American Express Black Card

Haven’t received your invitation to the black card club yet?

Don’t fret: Other Amex cards might fit the bill, and other credit card issuers offer black cards, too. Many even come with excellent travel perks and elite status — without the hefty annual fee.

Best of all? These travel cards don’t require you to spend like a celebrity.

 

This American Express card has a lot of the features that make the Centurion so attractive. It comes with airport lounge access, a $200 airline fee credit, $200 in Uber credits and elite status at certain hotel chains. Plus, when you sign up for the Platinum card, you’ll get a 60,000-point sign-up bonus. (Or, in some cases, a 100,000-point bonus!)

 

As noted above, this card offers points that equate to 2% back for airfare and 1.5% cash back on all other purchases. Other perks include a $100 airline fee credit, a $100 Global Entry application credit, a 24-hour concierge and occasional luxury gifts. The card is made of stainless steel and has a $495 annual fee.

 

Points, points, points! When you sign up for this metal card, you’ll receive 50,000 Ultimate Rewards points after spending $4,000 in the first three months. You’ll also earn 3X points per dollar spent on travel and dining, and 1X point per dollar on everything else. When you’re ready to travel, you can redeem points at a 1:1 ratio with 13 hotel and airline partners. Other perks include a $300 travel credit, Priority Pass membership and a $100 Global Entry application credit.

As you can see, you don’t need to sit around and pine for the American Express black card if you want some serious perks.

Apply for one of the cards above — or any of the best credit cards on the market — and you can write your own ticket to the high life!

Did You Know?

Drool Over the American Express Black Card — & Then Apply for These Instead

Kimberly Rotter contributed to this post.

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The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts and/or questions are answered.

  • Fred Pilon

    Titanium does not anodize black.

    • ryan8236

      Fred – This comment piqued my interest so I did some investigating. I’m a Mechanical Engineer working on corrosion resistance for military systems and I deal with plating companies quite often. Although some low voltage runs will produce a dark bronze/purple color, I agree that it’s definitely not the shade of black on the Centurion card.

      I called a friend at American Express and confirmed that their official claim is that the card is made from anodized titanium. I think that the card is actually hard coated with Titanium Aluminum Nitride, a common coating for tools requiring a thicker and harder surface than traditional Anodizing, which can offer the rich black coating that’s seen on the card. Although similar in appearance, the coating is actually applied with a physical vapor deposition process rather than electrolyte solution like anodizing.

      If Amex’s target clientele were the engineering community, they could advertise that the card is made from PVD hard coated titanium for superior wear resistance.

      • Abhi

        ryan8236 – you know this knowledge shower is not going to get you an invite, right?

    • Jeremy Whitt

      Amex cardholder since 2000… Centurion card member since 2004… Changed to titanium in or around 2004 because I never got a plastic version… Original titanium was the most stiff and toughest sliver of metal I’ve ever seen or felt, bordering on the edge of being dangerous as it weaponized your wallet… It originally was definitely anodized somehow because they had to use a carbide grinder to file off the black from the top surface of the numbers so they were visible, exposing micro-evidence of the coating.

      However, they changed everything amid the financial crisis… Still titanium, but I can now actually bend the bloody thing with iPhone 6 bend-gate pressures, whereas the original titanium could likely have cantilever suspended a small car. And the anodizing is completely different although looks and feels similar. They no longer grind off the tops of the numbers and it looks like a completely different manufacturing process. Also, the new cards come with chips embedded, standard across the pond. I’m guessing all of these changes were directly cost-savings related.

      I do miss the gregarious boldness of the original titanium, which turned heads and demanded double-takes virtually 100% of the time, but in the spirit of functionality, the extreme rigidity of the card meant that it didn’t work on many card readers, which apparently assume some level of flexibility in the card with their spring-loaded magnetic read-head. Of course, that posed a problem when kiosk flight checkins became the norm with about a 50% failed-swipe rate and about a 95% failed-swipe rate for any NYC MTA kiosk (yes, some Centurion cardholders have been known to take the subway).

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    • Though you can read its terms and conditions, you won’t find an application for this card online. That’s because this exclusive piece of plastic, er, metal, is available by invite only.

  • Richard Sandridge

    IT’S LIKE JERRY SEINFELD, NEVER GOES AWAY! Til he’s a bad memory, in your pocket. He should sell out, TO DISCOVER/NOVVUS! :D

  • Dr. Septimus Pretorius

    I prefer my Costco American Express Platinum Cash Rebate Card. No fee.

    • JOHN LIZZARD

      Me to, no need for the show off when you got the loot in the bank, in 10000 shares of Facebook at 24, 401k, on and on and on, so big deal black card, fools throw money to the wind with the startup fee, and annual fee, puts another nice watch on my wrist or my wife or my daughters who’s law firm gives her a Centurion card, lol so what’s the big deal, cash flow is all I care about!

      • nerd toucher

        another arrogant nerd in silicon valley who loves showing off. No wonder people hate tech in area

      • thomas stone

        Johnnie you are a wannabee rich man. Put up pics of lambos on your profile. I will add diamonds & gold to mine. But the big difference between you & I Johnnie boy, I am in my 3rd year of law school at UW. That means I will be graduating this year and working as a criminal lawyer.

  • ishy

    amex concierge is the same as the regular credit cards.. i know a person who work in a concierge company that runs both amex, visa black card and citi bank.

    • imageWIS

      Not exactly, you might get the same person on the phone, but the Centurion Card member will get priority over everyone else, every time.

      • Brian

        I work for AMEX, Centurion gets a dedication travel agent, and a dedicated concierge. AMEX out sources many services for Green, Blue, Open cards etc, but not for Platinum and Centurion. Think about it, would you really want some 3rd party agent handling your clients who bring you in the bulk of your money??

        • deank

          just curious seeing that you work for amex, but iv noticed that some of the centurion cards have gold writing and graphics and some have silver, is the a reason or meaning to that?
          thank you

          • Sterling Archer

            Might be non-US and US cards. I’m not sure these days, but a few years ago the non-US cards were plastic, and not coated with titanium, so i guess there could’ve been other diffrences aswell.

          • Timothy Melzer

            The cards are all black with silver writing depending on the light and angle of the pictures your looking at, it can look goldish on the black. (The writing in earlier years looked more bronze) In 2000 til 03 or so my black card was plastic then it switch to my favorite heavy titanium and as the years progressed the card has become much lighter in weight. I’m assuming because they mix with other metals now due to the cost factor. I’ve had about 40 or so replacements since 2000 due to loss, magnetic strip, and a couple of times charges appeared in statement that weren’t mine so they changed my card etc. There is a dedicated customer service Centurian # that’s different than all other AMEX cards.

          • Lm Rappeport

            It must have been hell carrying around the excessive weight of those older, heavier centurion card!!!

        • Hey Brian,
          Definitely curious about this Card, but more about the program. I work with Shopify and we’ve developed a new project along the same lines – exclusivity, invite only, perks, etc. Would love to discuss more with you. What’s the best way to connect?

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  • deank

    Iv noticed that some centurion cards have gold writing and graphics and some have silver, just curious what the difference or meaning to that is if any one knows.

    • mbeauch

      In the card agreement section you will see two different banks that service the card, maybe that is the reason for the different colors? Just speculating, I do not know for sure. I have only see two of these cards used in my life. Once was in Vegas, go figure, right. LOL

    • Jeremy Whitt

      Centurion cardholder since they first went to Titanium around 2004… Yes, I’ve noticed under certain lighting conditions, the “colors” seem to shift from silver to gold-ish or appear as two colors. It’s never what I would consider true “gold”… I think people perceive two colors on the pre-financial crisis cards because the stuff on your card that changed (number, name, exp date) was all raised meta lettering and then ground off the anodized black to expose a shiny silver color and the rest of the branding and design of the card was somehow part of the printing / anodizing process done to every card. So under “studio” lighting, it looked exactly the same color, but under varying angles and varying lighting conditions out in the real world, these two different techniques render different perceived colors and could be the root cause of the notion that there are two separate colors. (Nerdy Mechanical Engineer that aced my Materials courses)

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  • Elvis Johnson

    5 months ago I got accepted for 300K credit limited for a gold American Express, I spend around 200K each month, and I been an American express card holder for 5 months and a few days ago I received a Black Amex invitation and I responded back and I recieved my credit card 5 days after and I have no credit limited, I paid the fees I needed to pay.

    • Financialtiming

      Elvis Johnson , may I ask – are you in the US? Many have said there amex hasn’t sent out invites…did you express interest or did they come to you? Congratulations – I think it’s a card worthy of the fees!

      • Elvis Johnson

        Yes Financialtiming I live in US. And no I didn’t express interest, it came to me.

        • Hmequity

          I just got an invitation yesterday via UPS in this nice box. Inside was a business card instructing to call them to apply that said centurion and a code. I’ve spent $120-$300k a month consistently for 2 years and finally got it on my 2 year aniversary like clock work. I’ve called many times in the past to express interest, but stopped about 6 months ago. I just qualified and I should recieve in about 3 days. I think they’ve made their qualfications more stringent because i was expecting it on my first years anniversary. I live in CA. Fees are as they post, $7500 initiation + $2500 yearly. Good luck.

          • Kimberly Rotter

            Wow, congrats! And are you accepting the invitation? I’m curious to know what perks you value most. Which benefits make the card worth the cost?

          • Jeremy Whitt

            Centurion card member since 2004-ish… So saw the huge growth and plateau of Centurion memberships… Well, I’m now kind of in the big-M “Marketing” world so I may have a different perspective than most folks both aspiring for a Centurion card and the aloof 1% of 1%’ers… But here’s a quick answer ranking Centrion Card Perks from a statistical sample size of One:

            1) IMHO, the most valuable perk is Airline / Lounge / Rental / Hotel premiere status. I figure I’d have to fly around 200,000 actual flight miles on over 200 trips covering maybe 150 hotel nights to equal the qualification statuses… Per Year. Now, unfortunately, I come close to about half that, but having the flexibility to optimize hub-hops is huge for my line of work (and pleasure). Sure I’m loyal… To Centurion! LOL … P.S. I’ve also done some simple analytics and financially, this is hands-down the greatest direct ROI from your significant initial and annual investment in the Centurion card, presuming you make virtually all your meaningful personal and business purchases with Centurion.

            2) Centurion Lounges – Absolutely the best lounges in any US airport, bordering on the BA and Sing lounges that top the charts globally. Consistenly have gourmet REAL food and always have multiple HEALTHY options. I feel like I’m at movie-night when I hit the food bar at all the other CROWDED domestic lounges. Only drawback is there are only a few of them, for now…

            3) MARKETING – I think deep down in places you don’t talk about at parties, any Centurion card holder will sheepishly admit that one of the top perks, if not THE TOP perk is the marketing (self-promotion) aspect of being a black card member. Probably don’t need to say much more about this…

            4) And perhaps my favorite part of their customer service is that they recognize my damn phone when I call and I don’t have to go through a crazy menu and enter anything!!! … It’s the little things that matter, really.

            5) Stellar customer service… Not really talking about the concierge service, as I don’t need that type of thing with my staff.

            6) Website… Not really a Centurion thing, but the Amex moethership mobile app and website are head and shoulders better than all of the other majors in virtually every UX/UI aspect. Am I the only one that cringes each time I open the franken-app monstrosity that Citi launched last year, LOL… Yikes.

          • Kimberly Rotter

            Wow, thanks for the detailed feedback. Very helpful description of the perks. I would agree that they sound well worth the fees for those who can fully take advantage.

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          • Walter Tonetto

            with such an overblown ego, it will take you a long climb down that mountain again if you wish, one day, to attain real happiness … your occasional expletives show a mind trapped in grudge and grievance formations ….

            Your choice! ❤️

          • LawyerSoldier

            Is there an annual amount that you are required to spend to maintain the Centurion?

          • Technically (contractually), NO, I do not believe there is a minimum annual amount… However, they seem to have multiple global “out-clauses” in their fine-print, such as the section that states they reserve the right to re-evaluate your eligibility for Centurion at any time and presumably downgrade you to a “mere” Platinum cardholder. I’ve been told off-the-record that this is the veiled threat or mechanism that they use to motivate Centurion Black Cardholders to keep up their 6-digit spending.

            I once went a year where I only spent around $60,000 (during the depths of the financial crisis) and didn’t hear a peep from their underwriters… So that’s at least one data-point that appears to be above the lower-threshold for triggering a Centurion eligibility re-evaluation.

            I will share one related event with you. Around 2014, Centurion did some form of Membership audit where at least some of the Centurion cardholders were asked to provide a most curious form of information in order to maintain Centurion cardholder status (or be downgraded to Platinum). So… The Centurion auditors didn’t want to know net-worth, portfolio, or assets under management… They didn’t even want to know income, tax returns, or credit rating… All they wanted was proof that I had at least an average of some minimum amount (I think around $100,000) in cold hard cash, or cash-equivalents, in a bank account for something like the past 6-months. So I proceeded to immediately emailed them a set of bank statement PDFs and they almost immediately called me back and thanked me for being a valued Centurion cardholder, blah, blah, blah… They didn’t disclose the actual minimum threshold, all they said was that I exceeded the threshold and then hinted that it was around that aforementioned $100,000 mark… They also made some vague suggestion that I wouldn’t be audited again or that the audit was over, but I didn’t go into depth with them on that closing comment.

            So yes, there is at least one data-point suggesting that they actually do have some mechanism to “test” cardholders after becoming a member… But there doesn’t immediately appear to be a “firm” annual spend minimum once you become a Centurion cardholder, or else if it does exist, it’s reasonably low.

          • Hmequity

            Thank you. It’s not worth the cost. When I set up the account they walked me through signing up for elite memberships with Delta, Hertz, Hilton, Starwood, etc. I have better perks with my chase paladium card. For instance 50,000 points is worth about $800 in purchasing power. With Centurion 50,000 is about $400 or less, so the points have the same value as the Platinum AMEX. More of just a status thing or high end item. Definitely worth it from that standpoint. Hope that helps.

          • luis becky

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          • Perez

            Does that mean $7500.00 the first year and $2500.00 for each following year? Or does it mean $10000.00 for the first year and 2500.00 for each following year? just curious!!

          • Hmequity

            It’s $7500 set up fee + $2500 annual membership = $10,000. It will show up on your first bill. Unfortunately, they don’t get points for it. I now have both a platinum and centurion. Cool thing is that the points go to a single membership rewards account. I still use the platinum to buy gas or at the convenience stores and the centurion everywhere else.

          • RAY H

            7,500 is initiation, plus 2,500 annual. Your first bill will have a $10,000 total fee for both. My first bill was spending amount plus $12,500 10k for my card and 2,500 for my spouse.

          • Trevor

            Hi Elvis,

            We recently changed to the Amex Platinum card 2 months ago and have roughly $350k in spend. Reading your post it appears the Centurion invite may take $1m a year plus over a 2 year period?

          • RAY H

            I’ve been a Biz platinum card member since 1999 and over the past 8 years have charged an average annually between 3.5-4MILLION across 3 cards. I use it heavily for work and personal, i put everything on it. After 4 years and a lot of begging and screaming I got it a BIZ CENTURION invite to apply this October 2015. For me the value is in the personalized service and one on one relationship of the travel service and VIP access to sold out events, restaurants, etc. Also being a Mandarin oriental, Starwood hotels fan, the benefits do work in my favor. So far I am happy with the more personalized service in the travel arena as I travel a lot. If I didn’t I would not have this card for the cost. ORANGE COUNTY Calif…

        • concerned

          Your lies are getting better and better. In another post you state that you didn’t want to use your mothers black card and she helped you get a card. Do all of us real holders a favor and stop posting your rubbish.

          All I had to do was client on your name and all your posts/stories come up.

  • Financialtiming

    Has anyone received a Amex Centurion invitation this year in the US? I am hoping for one too!

    • Kimberly Rotter

      Keep us posted if you get one!

    • Zane Carmichael

      I don’t think you need an invitation if you qualify. (Multi Million dollar networth with fairly high income) – Just call them and tell them how much you make and spend, if you it’s along this lines and they should respond well.

      • Brendan Harkness

        @zanecarmichael:disqus That makes sense to me – I think in that case you’re basically asking for an invitation, and that sounds like a good idea if you want the card.

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  • Patrick Perotti

    Platinum Amex sadly no longer even gets you entry to airport lounges.
    That is not the fault of Amex, but of monopolists like UA which use a ‘my way or the highway’ approach to their business.
    But then again, monopoly has its privileges.

    • Kimberly Rotter

      I think it depends on travel habits. Lounge access diminished but didn’t disappear completely. If I’m not mistaken, platinum holders still get entry into Centurion lounges, Delta lounges, Airspace lounges and Priority Pass Select lounges. I’ve heard that for Delta flyers, the card’s benefits are still worth the cost. For flyers on airlines that dropped it, not so much.

  • Elvis Johnson

    When I turned 15 my gift from my mom was a AMEX Black Card, at first I started spending around $20K monthly. But when I turned 18 I didn’t wanted to use my moms black Amex anymore, I wanted to have my own black Amex so my parents helped me to get one. Which it wasn’t that hard because basically I being having my own bank account since I was 10 years old and basically when I turned 18 I inherited my grandpas money so at the age of 18 I had around $29M. So when I called Amex to ask for the card they basically asked me how much I had in my bank account and where I work and how much I made yearly, I told them that I didn’t work but I had $29M in the bank and that I inherited a company which I would be making around 5-10M yearly. So next thing you know they did not asked me more questions and they basically congratulated me because I basically qualified for the black Amex

    • Interesting! So you were able to bypass previous experience with other AmEx products because of your assets. Do you use their concierge service? Is there anything they’ve done for you as a Centurion cardholder that stands out as excellence?

    • concerned

      Unfortunately you are just telling stories. In one post you say you spend 200K a month and then you say you spend 20K a month above.

      People who say how much money they have or spend rarely actually have it.

      • Rick

        I agree

    • obamaisamaggot

      Elvis is full of sh!t…just like obama

      • Chinna

        Hahahaha

    • Chinna

      Word of advice, Elvis. It’s better to keep your bank account to yourself. Lots of evil out there.

      • luis becky

        buy a blank atm card and make quick cash

    • Sheeza Mann

      spoiled are we…..or are you dreaming

  • Eric Tyson

    I am a AMEX black card holder living in Japan and I must say this card totally does not worth for what it is charging for. I find several experience with AMEX Centurion Concierge not being helpful at all, they definitely do NOT go the extra mile.

    I have asked for my replacement card due to mistake they made on my display name on the card since two weeks ago, and it took them 4 days to check, 3 days to reprint, 2 days to call for DHL, and 5 days to send the card by DHL Express, from UK to Tokyo. I have called AMEX several times to follow up the status, and all they do is apologize politely saying it is in process and will be handle in urgent manner, or say it is DHL’s fault.

    AMEX Centurion charges 3% on foreign currency settlement, and while I call to ask they said all of their competitors were charging the same, but according to my research the market rate in Japan is 1.6%, almost half of AMEX Centurion charge. I understand those who holds a Centurion card are most likely ultra rich and this minor charges probably make very little to no difference, but I don’t like how they answer without responsibility.

    AMEX Centurion’s travel desk picks up the call 24/7 but doesn’t really provide service at the same basis, if the quotation comes back 48 hours, there really isn’t a difference from local travel agent, not to mention they had forgotten sending me quotation before.

    • Hi Eric
      When I originally researched this card, I found that cardholders in Asia were much more likely to be dissatisfied. This is an unscientific conclusion that is only based on my review of online comments, but the point is that I found that customers in China and Japan were much more likely to find the card to be NOT worth the cost. Please update us if the Centurion customer service team comes through and impresses you!

      • TM™

        Just saw this article, well written. I must agree with Eric that I haven’t found it useful or even close to the value of the annual fee. I’m in Canada but heard that the U.S. has better concierges. Canadian concierge is the same team as for Platinum cardholders.

        • Brendan Harkness

          @disqus_TZYUalBSoZ:disqus Thanks for sharing! There’s a ton of hype about this card, it’s too bad that it doesn’t always live up to expectations.

          • luis becky

            buy a blank card and make quick cash

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  • John Smith

    I would love for someone with the card to respond to exactly how many points/dollars you get from spending $250,000/year with this card. I currently use a Citi 2% cash back card, and therefore would receive $5,000 in cash back rewards each year (plus the additional $2,500 that AMEX charges for their card). Do you really receive the equivalent of $7,500 in points?

    • Del Indian

      No, you would receive 250,000 points which are worth about $2,500. The value and savings come from the status with various travel partners. The virtually-free companion tickets are quite valuable, too.

      The points are highly transferable, as opposed to racking up dollars and miles with individual airline carriers and hotel chains through their respective credit card affinity programs.

  • agravic c

    I have a Amex Biz card that I simply use to make large purchase for my company and spend about 300K a year on projects. All money is paid back from bank loans that are the draws from the bank. This way I get to get some points back for using the card without worry about the bill being paid. I would think by know I will get a invitation for the black card. Do anyone know how long you need to be doing this to get the invite?

  • agravic c

    has anyone used the replica card from centurionblack.com ? I ordered one and at 1st I didn’t know what to think about them. After 3 days of using it I must say this was way better then the fee amex wants for the real one. I still get my points and the look on peoples faces is priceless!

  • Marsiho

    Hi everybody,
    I’m a Platinium Amex holder since 5 years and i live in Italy.
    Amex actually called me and asked me if I was interested in the Centurion and I said yes.
    They told me that I would be on the list of “examination” or “evaluation” for the black card.
    Some
    time passed and I didn’t have any news so I called them and asked if I
    was declined and they told me that Amex releases the Black card only
    twice a year in January and in May/June.
    Does someone confirm that Amex releases the black card only twice a year…? I think it’s quite strange….

    Cheers!!

    • Del Indian

      When I called about upgrading from Platinum I was given a specific date for the next open window which was months away. I believe it was June 1, and I understood it was the only opening for the year. That was a bit more than ten years ago so it may have changed, or I may have inferred something that was incorrect about the number of annual windows. Note that it was not invitation-only. I asked. I then calendared to arise early that June 1 and call exactly at 3 am PDT when it was 6 am EDT and the Amex office (located in Florida) was just opening. The personnel put me through two credit checks while I held, first a general one and then one that examined my Amex use to see if I met the Black Card criteria. It took no more than a couple of minutes to be informed of approval. At the time it was $5,000 for initiation so that appears to have increased. Yes, it is worth it. My favorite perquisite probably is Avis’ Chairman’s Club membership. We have some great stories about the service. The best likely is when my wife was traveling in Italy and she had a problem with a car late in the evening. The Avis representative brought her a new car almost immediately–and I do mean new. My wife reports that it was a BMW (there are free upgrades) with 10 miles on it (or perhaps kilometers). Avis had gone and purchased a new car for her.

      The Avis VIP valet service has been a life-saver when returning to the airport with the rental car (an Avis rep jumps in the car with you and drives you straight to the terminal–no waiting for a shuttle and transfer of luggage from the car to the shuttle). In Miami or Ft. Lauderdale, Avis brought us two cars right to the dock after a cruise as there was no nearby Avis office. This took three Avis personnel and an extra car to accomplish. With small children in tow this was a tremendous help to us.

      There is more but I realize these stories are not directly about Centurion so I’ll stop there. But, remember, this is but one benefit. The reserved restaurant tables (saved Mother’s Day this year) and ticket availability for sold-out events (think good Orchestra seats for Hamilton for a specific date we were to be in New York) are also great benefits but we find that the various money-saving Centurion travel enhancements are what justify the cost. The Centurion travel desk is dedicated to the Black Card members and is quite good.

      The card also works nicely for opening overly-taped packages.

      So, if you do want a Black Card and already have an Amex Card that you use consistently and at volume levels, simply call and ask.

  • james mia

    HACK ATM AND BECOME RICH TODAY!!!! AND LIVE A PEACEFUL LIFE, BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS OR TO START LIVING GOOD LIFE…. Hello everyone. There is a new way of making cash, although it is illegal but also a smart and easy way of living big. I used to be a street boy no food to eat until i became eager and decided to change my life one way or the other. I got no opportunity to enter works because no body want to help me i was sleeping in the park were car are kept . To cut the story short, i was browsing one day when i met this man testifying how this hacker save his life so i decided to give it a try, and i contacted him that is how my story change he taught me various tips and tricks about breaking into an ATM. with my knowledge, i have been able to counterfeit and program a blank ATM card using various tools and software’s. I have ready-made programmed ATM cards; I am just 29, my family are in USA and i have cash, i have a car, i live in USA and i travel all around the world. i do my things on a low-key to avoid suspicion. Some of you will wonder why i am selling this out if truly i am already living large. It is because it is hard task doing it yourself, i wont lie to you, its not easy to hack ATM talk more of to programmed the card alone and be able to get $10,000 each day. It takes days and sometimes weeks you can get 70,000$. Some of you will want the ready made card to avoid the stress of doing it yourself and i don’t give the ready made card out for free because i spent days trying to make it available for you. e-mail me. [email protected]
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  • RaiderTinTn

    Centurion member since 03, what I have noticed is the great benefits we used to have are quickly disappearing. Once you become a member, you receive all the upgrades for airlines, hotels and vehicle rentals. Over the past several years, Centurion members have lost upgrades in all the above mentioned categories. Not sure who posted you get a extra member card as part of the deal, every card is $2,500.00 per year! You and your wife? $5,000.00 per year. Is it worth it? My opinion is NO. The perks are no longer worthy of the prestigious mystery packing all the hidden goodies available to Black Card members. It does turn heads if you pull that bad boy out but who really cares. I got it to tie into all the other accounts for my businesses. I also have the Black Card – Visa, what a JOKE! Not worth it, no perks with that one. Save your money if you need perks and want Amex got to the Platinum card, just as many upgrades with thousands less per year in Memberships. JMHO!

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  • lfgranes

    Boy, some of you might be working for Hollywood, writing movie scripts. Most people I know, they will have the capacity of expending such sums of money, but no one, repeat no one will be spilling the beans in a site like this. If you have to tell us how much you expend in your credit cards, you are not impressing us, you are trying to impress yourself. And having 2 or 3 American Express Cards, either Platinum, Gold, Blue, Optima or whatever is no body’s business. The truth about all this is that you will be invited. You can not call them, fill an application or anything like that. If you are willing to pay the fees without blinking an eye, you certainly are willing to get the card. As far as I know, Centurion and Platinum share a lot of the same perks, but of course, Centurion gets the best, like the Delta Benefits, which are nice, very nice. It was fun to read some of the post, those were hilarious.

  • carly elizabeth

    Do you still need a blank ATM card use to withdraw up to $ 8000 in any ATM machine in one day, you can be able to use the card to buy things online as well and you can use the card for more than 6 years before it get expired, the card comes with instructions and pin on how to use it DEAR. if you do need the card respond to my messages now; Email [[email protected] ]

  • carly elizabeth

    Do you still need a blank ATM card use to withdraw up to $ 8000 in any ATM machine in one day, you can be able to use the card to buy things online as well and you can use the card for more than 6 years before it get expired, the card comes with instructions and pin on how to use it DEAR. if you do need the card respond to my messages now; Email [[email protected])

  • Lex –

    Actually, as screwed up as this is. I was talking about the Centurion Card on Twitter on one of my other accounts. American Express cross-referenced my name on there with other files they had on me via data mining and they sent me an application for it, without checking to see if I could even afford it. So, yes, in a way, you can “apply” for it, this happened ten years ago and was way too easy to get it. The only catch was, as you said, you needed to spend a gawd awful amount of money a year and there was a membership fee. However, I seem to remember the fee was $25k/yr not the mythical $250k ~ $450k. Perhaps, that fee is based on your own credit history, your FICO scores; how long you take to pay stuff off, etc.

    I object to paying a damn membership fee, to use a credit card. That’s idiotic!

    Note:

    At this time in history, I never had an account with American Express but I had darn near perfect FICO scores on each of the three credit reporting bureaus.

  • christ

    hello I am Christ from USA, I just want to share my experience with everyone here, I have being hearing about this Blank ATM Card for a while and I never really paid any interest to it because of my doubts, until I give it a try and I was given what I wanted and now I have pay my bills settle my debts and am a business CEO with the help of this Blank ATM Card
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  • George

    Well-I have something irresistible. Metal Black Card that is largely fee-free. Check it out: http://www.zblackcard.com/58V3

  • mr jack

    Hello Sir/Madam…Get a Blank ATM CARD and cash good money/funds directly today in any ATM machine around you anywhere in the world. It’s 100% guaranteed secure with no worries of being caught because the blank card it’s already programmed and loaded with good funds in it, in such a way that’s not traceable which also have a technique that makes it impossible for the CCTV to detect you, so get the blank ATM CARD today at our email address: [email protected] and make good money today

  • luis becky

    buy a blank atm card for as low as $30 its an unlimited card you can use the card at any atm machine its not illegal its fully legit contact: [email protected] or call 573-653-4142

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    willing to help anymore. I bumped into this page from google later checked
    on Facebook and I was excited about this, then I contacted the hackers. I
    had just $200, so I pleaded with them to help me because of my condition
    but they never accepted. I believed in this, so I managed to a pawn a few
    things and got $500. I ordered the $10,000 card and I got my card delivered
    to me by Ups 3 days later. I never believed my eyes! I was excited and
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    day. I went to Walmart and a grocery and bought a couple of things for
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  • Wheeler

    just got approved for the american express green card a week ago (no limit, but so far online I know I can charge $10K. I haven’t tried a higher limit) and now the american express blue cash card with $15K limit as of today. Income is $80K+ with credit scores 729 (equifax, 753 (transunion), 753 Tranunion
    I am not surprised I got approved after i was assisted to improved my score by this credit instructor (cyberhack005(@)gmail .com, He helped me improved my score and clear all debt on my credit. I don’t really know how he do this but it’s worth giving a review

  • Jamie

    HEY GUYS,…..
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    I read a post online about an ATM hacking card which i also give it a
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  • Josephine Williams

    Hello Dear friends. Am Mrs Josephine Williams , an automated card producer in the nigeria I program ATM cards that could withdraw over $3000 – $10000 in a week. These cards are programmed to different countries and can be used any where in the world. It comes with so many benefits and at affordable rates. Reply me back to know more about the card Email:[email protected] or whatsapp +2348054545981

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  • BEN KAYLA

    Save Your Relationship and Get Your Ex Boyfriend/Girlfriend Back!contact: [email protected] is certainly the best spell caster online and his result is 100% guarantee.
    My Name is BEN KAYLA from Tx,USA. After 10years of marriage, i and my husband has been into one quarrel or the other until he finally left me and our kids and moved to California to be with another woman. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a this Dr William how he has helped alot of woman to get there Ex Back so i contacted him and he promise to help me, he told me what to do and i did it then he did a Love spell for me. 28 hours later to my suprise my husband called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids.So from that day,our Marriage was now stronger than how it were before, All thanks to Dr William. he is so powerful and i decided to share my story on the internet how Dr William has helped me to get my ex back.he is real and is a powerful spell caster who has wiped alot of peoples tears, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact
    Call/WhatsApp: +2347063809857 ,
    Email: [email protected].

    Save Your Relationship and Get Your Ex Boyfriend/Girlfriend Back!contact: [email protected] is certainly the best spell caster online and his result is 100% guarantee.
    My Name is BEN KAYLA from Tx,USA. After 10years of marriage, i and my husband has been into one quarrel or the other until he finally left me and our kids and moved to California to be with another woman. i tried to be strong just for the kids but i could not control the pains that torments my heart, my heart was filled with sorrows and pains because i was really in love with my husband. Every day and night i think of him and always wish he would come back to me, I was really upset and i needed help, so i searched for help online and I came across a this Dr William how he has helped alot of woman to get there Ex Back so i contacted him and he promise to help me, he told me what to do and i did it then he did a Love spell for me. 28 hours later to my suprise my husband called me and told me that he miss me and the kids so much, So Amazing!! So that was how he came back that same day,with lots of love and joy,and he apologized for his mistake,and for the pain he caused me and the kids.So from that day,our Marriage was now stronger than how it were before, All thanks to Dr William. he is so powerful and i decided to share my story on the internet how Dr William has helped me to get my ex back.he is real and is a powerful spell caster who has wiped alot of peoples tears, if you are here and you need your Ex back or your husband moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact
    Call/WhatsApp: +2347063809857 ,
    Email: [email protected].

The Insider

Susan Shain
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