American Express® Centurion Card

The Centurion Card from American Express® comes with an initiation fee of $7,500 and an annual membership fee of $2,500.

You can’t apply for this card. It is invitation-only.

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

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  • Rewards
    • Earn 1 point for every $1 spent as part of the Membership Rewards First Program
  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee $0
  • Intro Balance Transfer APR Not Applicable for Not Applicable
  • Regular Balance Transfer APR See Terms
  • Cash Advance APR See Terms
  • Penalty APR See Terms
  • Late Fee Up to $38 or 2.99%, whichever is greater
  • Returned Payment Fee Up to $38

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.


  • Free Access is granted to The Centurion Lounge
  • Preferential treatment at select restaurants, hotels, airlines, and auto rentals.
  • Secret Benefits: The majority of the benefits are kept secret by American Express, but they include exclusive access to rare events as well as certain discounts and upgrades.
  • You can also consider the basic benefits that come with other American Express cards.

American Express Benefits

  • This card comes with American Express benefits. You will be provided with a list of specific benefits when you get your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 1 reviews
by BigJollyGreen
Had a Centurion Black card for 4 years

I've had the Centurion card for a few years now, and there are lots of benefits that are worthy of awe. The points rewards system is 3 points per $1 AUD, except for overseas purchases, which are 3x3 points. There are many free benefits like top-tier memberships to almost all hotel and car rental programs (I have 6 loyalty cards through this) and invitations to monthly exclusive events.
However, the exclusive events mostly have a premium cost, their concierge and lifestyle assistance will book flights and hotels often with no discount (sometimes even with extra fees!) - and recently I have ended up doing my own bookings for flights etc. as I want to save money.
They have made mistakes (once booking a flight to Dublin instead of Dubai) and missed offering me specials that I later found out about - so the Centurion service is not really much better than Amex Platinum service.
I don't think it's worth the $5000 AUD annual fee - if it was $1000 then it would be better.
But, I did earn enough points from a single purchase of $122,000 that meant I could get return business class tickets from Sydney to London and a stay in the Savoy hotel - for free.
It's also very cool when people are amazed at the weight and thickness of the titanium card - it often draws comments and questions.

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