Centurion® Card from American Express

Centurion® Card from American Express review

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Advertiser Disclosure

Interest Rate: Purchases
Balance Transfer
1 point
Signup Bonus

Informr score
The Centurion® Card from American Express currently has an Informr score of 7.9 out of 10. This score is based on our evaluation of 6 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Centurion® Card from American Express is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Amex Black Card is more of a status symbol than a card that’s going to provide you with a lot of value in return for its hefty initiation fee and annual fee. But if you’re spending over $350,000 a year on an Amex card already, you likely don’t care too much about the cost of the membership and y...

- Amanda Reaume, LendEDU

The Centurion is ultimately best suited to those who travel internationally on a frequent basis and need a card with limitless credit for major purchases. The airline, hotel, and rental car upgrades are significant, and earning unlimited reward points (which transfer to a number of other programs, i...

- Rita Silvan, GreedyRates.ca
Upgraded Points

If you have the option to get the card, it could very well be worth the large $2,500 annual fee and $7,500 initiation fee if you travel frequently and your time is highly valuable to you. The wide range of luxury benefits such as lounge access, personal airport guide, personal concierge service, and...

- Jennifer Koebele, Upgraded Points

The Centurion® Card from American Express won’t be an option for most people. This invite-only credit card is reportedly only offered to those who charge over $250,000 to their card each year. However, it's by no means a bad card. In the hands of select individuals, the Centurion® Card from American...

- Robert Harrow, ValuePenguin

There's a long list of benefits to having the Black Card and, for frequent travelers (particularly those that stay in luxury hotels), the benefits may indeed pay for themselves. That being said, other travel credit cards offer similar benefits at a much lower cost. Ultimately, if you think you’ll ma...

- Louis DeNicola, MyBankTracker


Interest Rates
Regular APR Interest Rate
Balance Transfer Interest Rate
Cash Advance Interest Rate
Rates & Fees
Annual Fee $5,000.00

Initiation Fee: $10,000

Balance Transfer Fee
Cash Advance Fee
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $39.00


Sign up bonus No
All Purchases 1 point per $1 spent
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes

$2,500 for each additional Centurion Card

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty No
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees Yes
Emergency Assistance No
Concierge Service Yes
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

- $200 Annual Air Travel Credit

- Airport Lounge Access

- Global Entry Fee Credit

- Elevated Hotel Membership Status

- Platinum Medallion Status with Delta

- Rental Car Benefits

- Baggage insurance

- Free in-flight WiFi

- Trip Cancellation and Interruption Insurance

- Trip Delay Insurance

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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