Centurion ("Black Card")

Annual fee: $5000
Network: amex
Type: personal

Cardmembers earn Membership Rewards points on their purchases, which can be redeemed for travel, upgrades, and premium experiences.

American Express Centurion ("Black Card")

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$180

What the issuer advertises.

02Realistic

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

$180 of the advertised value — 100% — comes with strings attached.

Why Perqt says this

$180 advertised across 1 benefits.
$180 (100%) needs a booking, enrollment, or deadline.
Biggest credit — $200 Uber Cash, $180 — comes with conditions.
No-hoops value covers 0% of the annual fee.

Better fit if

You'll actually use $200 Uber Cash.
1.5× on large purchases matches your spend.

Probably not if

You won't use $200 Uber Cash.
You want the fee covered without chasing — $5,000 short.
You'd forget monthly credits.

How Perqt calculates this

Earning rates

All other purchases
On all eligible purchases
1×
pts
Membership Rewards
Top earn
Large purchases
On single purchases of $5,000 or more
1.5×
pts
Membership Rewards · Up to 1 million additional points per calendar year.

On-card benefits & credits

$200 Uber Cash
$15
/Monthly
Receive $15 Uber Cash each month, plus an additional $20 in December, for use on eligible rides or eats orders in the U.S. Includes Signature Support for Amex.
Fine Hotels + Resorts® Program
$0
/One-time
Receive special benefits such as daily breakfast for two, a $100 property credit, guaranteed 4pm checkout, and room upgrade when available on eligible FHR bookings.
The Hotel Collection
$0
/One-time
Receive a $100 property credit and room upgrade upon arrival when available on eligible bookings of two or more consecutive nights.
Cruise Privileges Program
$0
/One-time
Receive an onboard credit and additional amenity on participating cruise lines. Centurion Members receive an additional $200 onboard credit per stateroom.
Cell Phone Protection
$0
/One-time
Reimbursement for the actual cost to repair or replace a stolen or damaged eligible cellular wireless telephone. Subject to a $50 deductible and max 2 claims per 12-month period.

Other American Express cards

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