The Amex Centurion Card

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 was one of the first metal cards to ever be released, originally in black anodised titanium, and now offers 2 metal designs.

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.

• 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 doesn't have a publicly listed earn rate but is reported to earn 2.5 Membership Rewards points per $1 on eligible spending. In comparison, the American Express Platinum Card (which is often used as a point of reference) offers 2.25 points per $1 on eligible purchases and 1 point per $1 spent with government bodies.
• Metal card. One of the most iconic features of the Centurion Card is that it is made of metal. But you can still use it 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. The card also gets you into American Express's Centurion Lounges, a network of more than 25 lounges worldwide. Amex opens and closes locations regularly, so search the lounge finder on the American Express website or in the Amex app for the current list rather than relying on a fixed set of airports.
• 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, Marriott Bonvoy and IHG One Rewards.
• Complimentary insurance. The Amex Centurion offers a suite of complimentary insurance covers including international travel insurance, card purchase cover, card refund cover 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.
• Prada x Amex Centurion bracelet. You can request 2 of these contactless wearables per account, with a design from Prada that looks similar to a classic black watch strap.

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 need 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.

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."

Compare other credit cards from American Express

6 of 20 results

Checked 8 November 2026Share

Purchase rate p.a.	Bonus points	Points per $ spent	Interest-free period	Balance transfer rate p.a.	Annual fee
Qantas American Express Ultimate Card Most LovedQantas Frequent FlyerUncapped points	23.99%	Bonus points 120,000	Points per $ spent 1.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $450	Get 70,000 bonus Qantas Points when you spend $5,000 on eligible purchases in the first 3 months and additional 50,000 points when you meet the same spend requirement in year 2. New American Express card members only. Ends 17 Nov 2026. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
American Express Platinum Card Most LovedAmerican Express Membership RewardsUncapped points	N/A	Bonus points 150,000	Points per $ spent 2.25	Interest-free period Up to 44 days on purchases	Balance transfer rate p.a. N/A	Annual fee $1,450	Earn 150,000 Bonus Membership Rewards Points when you spend $5,000 on eligible purchases in the first 3 months. New American Express card members only. Ends 12 Jan 2027. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
American Express Explorer Credit Card Most LovedAmerican Express Membership RewardsUncapped points	23.99%	Bonus points 100,000	Points per $ spent 2	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $395	Earn 75,000 Bonus Membership Rewards Points when you spend $4,000 on eligible purchases in the first 3 months and additional 25,000 points when you meet the same spend requirement in year 2. New American Express card members only. Ends 27 Apr 2027. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
American Express Essential Rewards Credit Card Most LovedAmerican Express Membership RewardsUncapped points	23.99%	Bonus points 30,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $108	Earn 30,000 Bonus Membership Rewards Points when you spend at least $3,000 on eligible purchases within the first 3 months. New American Express card members only. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
American Express Velocity Platinum Card Finder AwardMost LovedVelocity Frequent FlyerUncapped points	23.99%	Bonus points 50,000	Points per $ spent 1.25	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $440	Earn 50,000 bonus Velocity Points when you spend $5,000 on eligible purchases in the first 3 months, plus up to 100 bonus Status Credits. New American Express card members only. T&Cs apply.	Go to siteView details Compare product selection Compare	loading
American Express Velocity Escape Plus Card Most LovedVelocity Frequent FlyerUncapped points	23.99%	Bonus points 20,000	Points per $ spent 1	Interest-free period Up to 55 days on purchases	Balance transfer rate p.a. N/A	Annual fee $95	Get 20,000 bonus Velocity Points when you spend $3,000 on eligible purchases in the first 3 months, plus a $50 Virgin Australia Statement Credit. New American Express card members only. Ends 25 May 2027. T&Cs apply.	Go to siteView details Compare product selection Compare	loading

loading

Load More

Showing 6 of 20 results

Compare other products

Looking for other options? Check out these similar products.

How we picked these

Frequently asked questions

• I haven't been invited to get an Amex Centurion Card, are there similar cards?

  One of the ways to build a good history with American Express is to start with an American Express Platinum card which you can apply for directly and does not need any personal invitation. 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 Amex 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 is the establishment fee, charged when your account is opened. It is $5,000. On top of that you pay the $6,500 annual fee, so the first year costs $11,500 and every year after that costs $6,500.

• 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.

Written by

Amy Bradney-George

Journalist

Add to Preferred Sources

Amy is an experienced journalist with over 16 years of experience, contributing to major publications like Money Magazine, The Sydney Morning Herald, and ABC News Australia. Specialising in personal finance, she frequently appeared in media outlets and on radio. Amy holds a Bachelor of Arts in Journalism and Drama from Griffith University and earned RG146 certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, ensuring her expertise is grounded in current financial regulations. Amy was Finder's Senior Writer for Credit Cards from 2016 to 2024. See full bio

Amy's expertise

Amy has written 425 Finder guides across topics including:

• Credit cards
• Frequent flyer
• Credit score
• BNPL
• Money management
• Sustainability