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.

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The American Express Centurion Card is one of the most exclusive and mysterious cards in the world – it's only available by invitation from American Express. It is technically a charge card, rather than a credit card, and offers valuable travel and lifestyle perks, as well as generous rewards for your spending. It's made of black, anodised titanium was one of the first metal cards to ever be released.

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

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.

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?

This is an invitation-only card, so 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 steps 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.

Can I register my interest for the Amex Centurion?

While this card is by invitation only, the US American Express Centurion login page has an option for people to submit their details to Amex for consideration.

A screenshot of the US American Express Centurion login page. At the bottom of the page it says

As this is a US website, there's no guarantee it would work for someone in Australia and the website notes that submitting your information "is not an application for credit and does not obligate American Express to invite you to apply for the Centurion Card."

A cropped screenshot from the US American Express Centurion website, showing the details needed to register interest in the card.

Not sure you'll 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 works for you.

Compare other American Express credit cards

Name Product Purchase rate Balance transfer rate Annual fee
American Express Explorer Credit Card
20.74% p.a.
$395
Get 100,000 bonus Membership Rewards Points when you spend $4,000 in the first 3 months. Plus, a $400 Travel Credit each year.
American Express Platinum Edge Credit Card
20.74% p.a.
$195
Earn 50,000 bonus points when you spend $1,500 within the first 3 months. Plus, a $200 statement credit offer. Ends 01 Feb 2022.
American Express Qantas Business Rewards Card
0% p.a.
$0 annual fee for the first year ($450 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 150,000 bonus Qantas Points when you spend $3,000 in the first 2 months. Plus, save with a $0 annual fee for the first year.
American Express Platinum Card
0% p.a.
$1,450
250,000 bonus points and $500 credit when you spend $5,000 in the first 3 months. Plus, a $450 Travel Credit per year.
American Express Cashback Credit Card
20.74% p.a.
$0 annual fee for the first year ($120 p.a. thereafter)
Earn 1% cashback per $1 dollar spent on your everyday purchases. Plus, an additional 5% for the first 3 months (up to $200) and no monthly fees for the first 12 months.
American Express Business Card
0% p.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
Earn 100,000 bonus Velocity Points when you spend $3,000 in the first 3 months. Plus, a complimentary return domestic flight per year.
American Express Velocity Escape Card
20.74% p.a.
$0
Get 0.75 points on your everyday purchases, uncapped, and a $0 annual fee for the life of the 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.
David Jones American Express Card
0% p.a. for 12 months, reverts to 20.74% p.a.
$99
Get 50,000 bonus Membership Rewards Points when you spend $1,500 outside DJ in the first 3 months. Plus 0% p.a. on purchases for 12 months. Ends 09 Feb 2022.
David Jones American Express Platinum Card
0% p.a. for 12 months, reverts to 20.74% p.a.
$295
Earn 70,000 bonus Membership Rewards Points when you spend $1,500 outside DJs in the first 3 months. Plus 0% p.a. on purchases for 12 months. Ends 09 Feb 2022.
American Express Low Rate Credit Card
8.99% p.a.
$0
Offers a low ongoing interest rate of 8.99% p.a., up to 55 days interest-free on purchases and global card support. Ongoing $0 annual fee.
Qantas American Express Discovery Card
20.74% p.a.
$0
Save with a $0 annual fee for the life of the card plus uncapped Qantas Points on your purchases.
American Express Gold Business Card
0% p.a.
$169
ABN holders w/ $75,000 revenue. Get 100,000 bonus Membership Rewards Points when you spend $1,000 within the first 2 months.
American Express Business Explorer Credit Card
3.99% p.a. for 6 months, reverts to 19.99% p.a.
$149
ABN holders w/ $75,000 revenue. Get 100,000 bonus points when you spend $3,000 in the first 3 months. Plus, 2 airport lounge passes.
American Express Velocity Business Card
0% p.a.
$249
ABN holders w/ $75,000 revenue. Receive 100,000 bonus Velocity Points when you spend $3,000 in the first 2 months.
American Express Essential Credit Card
14.99% p.a.
$0
Get a $200 credit when you spend $1,500 on eligible purchases in the first 3 months. Plus, a $0 annual fee for life.
American Express Platinum Business Card
0% p.a.
$875 annual fee for the first year ($1,750 p.a. thereafter)
ABN holders w/ $75,000 revenue. Get 300,000 bonus Membership Rewards points when you spend $12,000 in the first 3 months. Plus, a first-year annual fee discount.
Qantas American Express Ultimate Card
20.74% p.a.
$450
Receive 100,000 bonus Qantas Points when you spend $3,000 in the first 3 months. Plus, a yearly $450 Travel Credit.
American Express Qantas Corporate Card
0% p.a.
$70
Earn 50,000 bonus Membership Rewards Points when you spend $10,000 in the first 2 months. Plus, triple Qantas Points on eligible business flights.
Qantas American Express Business Credit Card
20.49% p.a.
$160
ABN holders w/ $75,000 revenue. Earn up to 2 Qantas Points per $1 spent on eligible purchases and enjoy up to 55 days interest-free on purchases.
American Express Qantas Corporate Platinum Card
0% p.a.
$600 annual fee for the first year ($1,200 p.a. thereafter)
Get 300,000 bonus Qantas Points when you spend $50,000 in the first 2 months. Plus, 3x Qantas points for eligible business flights and complimentary lounge passes.
American Express Corporate Gold Card
0% p.a.
$105
Get 100,000 bonus Membership Rewards Points when you spend $10,000 within the first 2 months.
American Express Qantas Corporate Gold Card
0% p.a.
$105
Get 100,000 bonus Membership Rewards Points when you spend $10,000 in the first 2 months. Plus, triple Qantas Points on eligible business flights.
American Express Corporate Platinum Card
0% p.a.
$400 annual fee for the first year ($800 p.a. thereafter)
Receive 300,000 bonus Membership Rewards Points when you spend $50,000 in the first 2 months. Plus, a first-year annual fee discount.
American Express Corporate Card
0% p.a.
$70
Earn 50,000 bonus Membership Rewards Points when you spend $10,000 within the first 2 months.
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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, Finder (screenshots)

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