The Centurion Card from American Express
The Black Card. You do not apply. Amex calls you.
Welcome Bonus
Invite
Invite only, no public offer
Spend Requirement
None
Fees
$10,000 once
then $5,000/yr · No FTF
Credit Score
800+
(Exceptional, invite only)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 1.5xPurchases of $5,000+
- 1xAll other purchases
Credits ($389/yr stated)
- Airline fee credit$200
- CLEAR Plus credit$189
Benefits
- ✦Dedicated Centurion concierge
- ✦Centurion Lounges plus Delta Sky Club access
- ✦Hilton Diamond, Marriott Ambassador-level treatment, IHG Royal Ambassador
- ✦Delta Platinum Medallion status
- ✦Equinox Destination Access and luxury hotel programs
Why it earns its spot
- +Elite status stack no other card matches
- +Concierge that can actually move reservations and inventory
- +Status signal, if that matters to you
Where it costs you
- −$10,000 one-time initiation fee on top of the $5,000 annual fee
- −No welcome bonus and weak earning rates
- −Requires roughly $250k to $500k+ in annual Amex spend to get invited
- −Most tangible perks already exist on the $895 Platinum
The Compound Verdict
Invitations generally go to members putting $250k to $500k or more a year through Amex cards, often for years, and the buy-in is $10,000 plus $5,000 annually. The status stack and concierge are real, but as financial value the math never beats a Platinum. This is a luxury good priced like one, and you should treat it that way.
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