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American Express

Centurion ("Black Card")

Invitation only

This card is not open to new applicants. Existing Card Members keep their card and its benefits.

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.

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

  • Cell Phone Protection
    $0
    /As needed

    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.

Reported perks — not issuer-published

American Express does not publish terms for this card. The perks below are widely reported, not issuer-published, and Perqt assigns them no dollar value.

  • Resy Credit (replaced the Saks credit)

    Effective August 1, 2026 the reported $1,000 per year Saks Fifth Avenue credit was replaced by a Resy credit: up to $1,000 per year, awarded as up to $250 in statement credits per quarter, after enrollment. Amex publishes no terms for this card, so the amount and mechanics are reported, not issuer-stated, and Perqt assigns them no dollar value.

  • Marriott Bonvoy Gold Elite status

    Reported complimentary Marriott Bonvoy Gold Elite status after enrollment.

  • SoulCycle At-Home Bike credit

    Reported statement credit of up to $300 for primary and additional cardholders when the card is used to purchase a SoulCycle At-Home Bike. Reported to require an Equinox+ membership.

  • Leaders Club Aurelian status

    Reported complimentary Leading Hotels of the World Leaders Club Aurelian status after enrollment. Melia Rewards Gold is also reported.

  • PS (Private Suite) membership

    Reported complimentary PS membership with two complimentary visits each year, including a guest. PS is a private terminal for commercial travelers at Los Angeles (LAX) and Atlanta (ATL), with private security screening, customs and immigration arrival services, lounges and dedicated agents.

  • Car rental elite status privileges

    Reported enrollment in Hertz Platinum status and Avis President's Club, with benefits reported at other rental programs as well.

  • CLEAR+ membership credit

    Reported statement credit of up to $369 per year covering the cardholder and other family members on the same account, after enrollment. Amount is reported, not issuer-stated, and carries no dollar value in Perqt.

  • VIP airport arrival and departure services

    Reported VIP arrival and departure assistance at select airports on eligible flights, with Amex handling travel details on the ground.

  • Centurion exclusive access and experiences

    Reported expanded access and availability at Centurion New York, the Centurion Tunnel Suite at Crypto.com Arena, the Amex Premium Events Collection, Global Dining Access by Resy, the American Express Venue Collection (including special entrances and fast lanes), and Fine Hotels + Resorts with Centurion Benefits.

  • Delta Platinum Medallion status

    Reported complimentary Delta SkyMiles Platinum Medallion status: upgrades cleared up to five days before departure, waived award change fees, baggage allowance, priority check-in, boarding and waitlisting, and enhanced earning on miles flown.

  • Global Entry or TSA PreCheck fee credit

    Reported credit of up to $120 toward a Global Entry application fee once every four years, or up to $85 toward TSA PreCheck every four and a half years.

  • Membership Rewards 20% Reload on Pay with Points

    Reported Centurion-only program: when Pay with Points is used at checkout on eligible American Express Travel trips, a bonus equal to 20% of the points used is returned to the account approximately 8 to 12 weeks after purchase. Points are not valued as card benefits in Perqt.

  • Hilton Honors Diamond status

    Reported complimentary Hilton Honors Diamond elite status after enrollment.

  • Centurion concierge and dedicated service

    Reported direct access to a dedicated Centurion concierge team for lifestyle and travel requests, plus dedicated phone lines and expedited in-person service through the included hotel and airline elite status programs.

  • IHG One Rewards Platinum Elite status

    Reported complimentary IHG Platinum Elite status after enrollment.

  • Equinox Destination Access membership

    Reported complimentary Equinox Destination Access membership, including Equinox+, after enrollment.

  • Uber Cash and Uber One credit

    Reported $200 per year in Uber Cash for U.S. rides and Uber Eats orders, plus a reported $120 per year credit toward Uber One membership fees, after enrollment.

  • Centurion travel protections

    Reported Trip Cancellation and Interruption Insurance, Trip Delay coverage, Baggage Insurance Plan and secondary Car Rental Loss and Damage Insurance. Coverage limits are not published for this card, so none are shown.

  • Global Lounge Collection access

    Reported access to the Amex Global Lounge Collection — more than 1,550 lounges across 140 countries, including Centurion Lounges, Delta Sky Club, Priority Pass, Plaza Premium, Escape and Lufthansa lounges (including Lufthansa First Lounges where available). Guest policies vary by location; Centurion members are reported to bring immediate family or up to two unrelated guests at no additional charge, and at some Centurion Lounges to skip the entrance line and use reserved seating.

  • Cruise Privileges Program

    Reported Centurion participation in the Cruise Privileges Program: an on-board credit per stateroom plus an additional on-board amenity on participating cruise lines, with a reported additional Centurion on-board credit. Booking, occupancy, stateroom-limit and exclusion rules apply. Amounts are reported, not issuer-stated, and carry no dollar value in Perqt.

Other American Express cards

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