Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.
Centurion® Card from American Express

Centurion® Card from American Express review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
Interest Rate: Purchases
Balance Transfer
Balance Transfer
1 point
1 point
Signup Bonus
Signup Bonus

Informr score
The Centurion® Card from American Express currently has an Informr score of 8 out of 10. This score is based on our evaluation of 8 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...

While some might be drawn to the mere prestige that comes with the Centurion® card, according to one cardholder, that’s really not the main attraction for most. The Centurion® is ultimately best suited to those who travel internationally on a frequent basis and need a card with limitless credit for...

- Rita Silvan,

The Amex Centurion Card is worth it for cardmembers who can take advantage of the many perks and benefits attached to it. Many of these benefits are travel-oriented, so luxury travelers may benefit the most. If you can’t take advantage of the many travel benefits, it may not be worth it for you to h...

- Ben Walker, FinanceBuzz

The exclusivity of the Centurion Credit Card from American Express might be worth it to certain people regardless of the cost. 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 themsel...

- Louis DeNicola, MyBankTracker

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
Upgraded Points
Upgraded Points

If you’ve been invited to become a cardmember, the one-time fee along with the annual membership fee for the card can be a bit steep. However, if you are a frequent traveler who likes to go first class, then this card could be well worth it. This isn’t necessarily due to bonus points that you can ac...

- Alex Miller, Upgraded Points


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

$2,500 for each additional Centurion Card

Travel Accident Insurance No
Car Rental Insurance Yes
Car Rental Discount Yes
Extended Warranty Yes
Purchase Protection Yes
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
  • Complimentary elite status
  • $200 Annual Air Travel Credit
  • Airport Lounge Access
  • Global Entry Fee Credit
  • Elevated Hotel Membership Status
  • Rental Car Benefits
  • Baggage insurance
  • Free in-flight WiFi
  • Trip Cancellation and Interruption Insurance
  • Trip Delay Insurance
  • Cell Phone Protection
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments -
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

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.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Centurion® Card from American Express

Rate It: