The Amex Centurion Card

Made of titanium and offering no pre-set spending limit, this famous Amex black card is so exclusive you can only get it by invitation.

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

The American Express Centurion Card is one of the most prestigious and exclusive cards in the world. This charge card offers valuable travel and lifestyle perks, as well as generous rewards for your spending. The black card is made of anodised titanium and is only available by invitation from American Express. Use this guide to learn more about the features of the Amex Centurion card and compare other American Express products.

What are the features and benefits of the Amex Centurion Card?

While American Express does not offer public details of this invitation-only card, some of the rumoured benefits you could look forward to include:

  • Credit limit. This card doesn't have a pre-set credit or spending limit. As a charge card, you're required to pay the balance in full each month.
  • Personal or business use. The card can be used for personal as well as business use. You can also request additional cards for family members or employees.
  • Rewards points. The Amex Centurion offers Membership Rewards points per $1 on eligible spending. While there is no publicly listed earn rate, the American Express Platinum Card is often used as a point of reference and offers 2.25 points per $1 on eligible purchases and 1 point per $1 spent with government bodies.
  • Titanium card. One of the most iconic features of the Centurion Card is that it is made of titanium. However, you can also be issued with a plastic version that's compatible with contactless and mobile payment services.
  • Travel benefits. Some of the travel benefits you could enjoy with this card include complimentary flights, a dedicated travel-booking service, airport chauffeur service, Priority Pass membership, Virgin Lounge and Qantas Club Lounge benefits and cruise company credits. You can also access the Centurion airport lounges in Dallas, Houston, Las Vegas, Hong Kong, New York, Philadelphia, Miami, Seattle and San Francisco with the card.
  • Hotel perks. As well as a complimentary hotel stay and upgrades at many locations, exclusive privileges and hotel reward program benefits are available with partners including Hilton Honors, Starwood Preferred Guest and InterContinental Hotels.
  • Complimentary insurance. The Amex Centurion offers a suite of complimentary insurance covers including international travel insurance, purchase protection, refund protection and extended warranty cover.
  • Mobile contactless payments. Whether you have an Android, Apple or Samsung device, you can save time at the cash register and pay with the convenience of your smartphone with Google Pay, Apple Pay or Samsung Pay.

american express centurion card

How much does the Amex Centurion cost?

In Australia, the card charges a $5,000 annual fee with a one-off establishment fee of $5,000.

This means you'd pay $10,000 in the first year and $5,000 per year after that. Other American Express cards annual fees ranging from $0 to $1,450. As it's a charge card, it doesn't charge interest but you're required to pay your balance in full each month.

How can I get an Amex Centurion Card?

As an invitation-only card, there are no specific eligibility criteria available for the Amex Centurion Card. But if your aim is to get this card, there are a few details that could help you get an invitation:

  • Build a relationship with Amex. American Express only sends out a limited number of Centurion invitations to its existing customers. So you can work towards getting this card by using other premium American Express products.
  • Pay off your account regularly and on time. If you want an Amex Centurion invitation, you'll also need to show that you can afford to use it by making account repayments regularly.
  • Make use of your current extras. The Amex Centurion is reported to have an extensive suite of complimentary extras and benefits that cater to premium card members. So using the perks available on your current card could help show American Express that you are the type of person who appreciates and benefits from these features.
  • Meet the financial requirements. Although there are no official financial requirements listed for this card, it's clear that the Amex Centurion is designed for big spenders and earners. It's been said that cardholders required a five-figure monthly spending bill per month to get this card.

Compare other American Express credit cards

Name Product Purchase rate Balance transfer rate Annual fee
Qantas American Express Discovery Card
20.74% p.a.
$0
Earn 0.75 Qantas Points for your everyday purchases, uncapped, and pay $0 annual fee for the life of the card on this no-frills frequent flyer card.
American Express Platinum Edge Credit Card
20.74% p.a.
$195
Get $200 travel credit per year to spend on eligible flights, accommodation, car hire and more. Plus, earn up to 3 points per $1 on eligible spending.

American Express Cashback Credit Card
20.74% p.a.
$120
Earn 1% cashback per $1 dollar spent on your everyday purchases. Plus, an additional 5% for the first 3 months (up to $200).
American Express Platinum Card
N/A
$1,450
Offer Extended: 150,000 bonus points when you spend $3,000 in the first 3 months. Additional 50,000 points in the 2nd year.
American Express Business Card
N/A
$109
ABN holders w/ $75,000 revenue. Up to 1.5 points/ $1 spent and extended cashflow with up to 51 days interest-free on business purchases.
American Express Velocity Platinum Card
20.74% p.a.
$375
Get 50,000 bonus Velocity Points when you spend $3,000 for the first 3 months. Plus, 100 Status Credits and luxury travel perks.
American Express Velocity Escape Card
20.74% p.a.
$0
Earn 0.75 Velocity Points on your everyday purchases, uncapped, and pay $0 annual fee for the life of the card with this no-frills frequent flyer card.
Qantas American Express Premium Card
20.74% p.a.
$249
Enjoy 30,000 bonus Qantas Points, 2 complimentary Qantas Club lounge invitations per year and the protection of complimentary insurance covers.
American Express Velocity Business Card
N/A
$249
ABN holders w/ $75,000 revenue. Get 100,000 bonus Velocity Points when you spend $3,000 within the first 2 months. Ends 30 June 2021.
American Express Qantas Business Rewards Card
N/A
$450
ABN holders w/ $75,000 revenue. 150,000 bonus Qantas Points and a $450 Qantas Flight Voucher when you spend $3,000 within the first 2 months. Ends 30 June 2021.
loading

Compare up to 4 providers

The American Express Centurion Card has become a status symbol for the elite. Informally called the “Amex black card”, this card has held a high position among ultra-premium cards since its launch. But if you don't get an invite for a Centurion card, you can still compare the wide range of American Express credit cards and charge cards to find one that suits your current needs.

Frequently asked questions

I haven't been invited to get an Amex Centurion Card, what else can I consider?

One of the ways to build a good history with American Express is start with American Express Platinum card which you can apply for directly and does not need any personal invitation. The minimum income requirement for the platinum card is $100,000 and the annual fee is $1,450. You can see our review of the American Express Platinum Charge Card for more details about the fees and features of the card.

How long would I need to use the American Express Platinum card before getting an invitation to the Amex Centurion?

There is no set time, nor is there any guarantee that all the platinum cardholders will be invited. However, if you can keep a monthly spend limit of over $10,000 per month and regularly pay the balance, you may be able to increase your chances of getting an invitation. It may also be worth letting the Amex representatives you deal with know that getting a Centurion card is one of your ambitions.

What is the one-time fee?

This fee is charged at the time of your account opening. In Australia, this fee is $5,000 which was increased from $4,300 on July 11, 2012. Besides this fee the cardholders will also be charged an annual fee of $5,000.

How many people are offered this card every year?

Being an exclusive card, there is very little information available. However, according to estimates there are less than 10,000 cardholders in Australia.

Images: Shutterstock

Back to top

More guides on Finder

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site