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Centurion® Card from American Express

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The Centurion Card, aka the Amex Black Card, is one of the most prestigious credit cards. It’s invitation-only (but you can request an invite), and comes with a suite of luxury benefits you won’t find anywhere else.

American Express is a Credit Card Insider advertiser.

Our rating
Min. credit level: Excellent
Annual Fee: $5,000
Regular APR: Prime Rate + 12.74%

Centurion® Card from American Express

Our rating
Excellent Min. credit level
$5,000 Annual Fee
Read Our Review

Highlights & Features


  • 1X Membership Rewards point per dollar on all purchases

American Express Membership Rewards Travel Partners

Airline Partners

  • Aer Lingus
  • Aeromexico
  • Aeroplan
  • Air France / KLM
  • Alitalia MileMiglia
  • All Nippon Airways
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific Asia Miles
  • Delta Sky Miles
  • EL AL
  • Emirates Skywards
  • Etihad Guest
  • Hawaiian Airlines
  • Iberia Plus
  • True Blue JetBlue
  • Qantas Frequent Flier
  • Singapore KrysFlyer
  • Virgin Atlantic Flying Club

Hotel Partners

  • Choice Privileges
  • Hilton Honors
  • Marriott Bonovy

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR Prime Rate + 25.99%
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee $5,000
Foreign Transaction Fee None
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR Prime Rate + 21.99% Variable
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Centurion® Card from American Express


  • Available by invitation only (you can request an invite)
  • Initiation fee of $10,000
  • Annual fee of $5,000
  • Made of anodized titanium
  • Many luxury benefits
  • Premium status at the world’s leading hotels and airlines

American Express

American Express has several card types depending on your needs.

Speak to Customer Service

1-800-528-4800 or

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See all Issuer Cards

The Centurion Card from American Express, also referred to as the Amex Black Card, is a former charge card that comes with an initiation fee of $10,000 and an annual membership fee of $5,000.

This card has famously been invitation-only, but now you can request consideration for an invitation if you have an existing Amex card.

Little is known of what is required to get an invite for this card, but we do know that you typically need to be a Platinum cardholder (or a cardholder of other Amex cards) and you must have a substantial net worth.

Check out our blog post about the Centurion Card from American Express.

The information related to Centurion® Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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