The Centurion Card from American Express
By Alex Compton · Last verified
The Black Card. You do not apply. Amex calls you.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Fees
Under review
Last recorded terms remain in the history below
Credit Score
800+
(Exceptional, invite only)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedInvite only, no public offer | Archive record · no attached snapshot |
| 2020-01 | 0 | No recorded spend | Earliest recordInvite only, no public offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- unavailable
The public U.S. Centurion URL did not provide current product terms; mutable claims remain withheld pending an authoritative current source
Fields: publicationStatus, lastVerified
American Express Centurion public URL →
Source checked 2026-09-05 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 1.5xPurchases of $5,000+
- 1xAll other purchases
Last Recorded Credits
- Airline fee credit$200
- CLEAR Plus credit$189
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Dedicated Centurion concierge
- ✦Centurion Lounges plus Delta Sky Club access
- ✦Hilton Diamond, Marriott Ambassador-level treatment, IHG Royal Ambassador
- ✦Delta Platinum Medallion status
- ✦Equinox Destination Access and luxury hotel programs
Lounge Access
This card opens 2 lounge networks. See exactly what you can walk into at your airport with the Lounge Finder.
Why it earns its spot
- +Elite status stack no other card matches
- +Concierge that can actually move reservations and inventory
- +Status signal, if that matters to you
Where it costs you
- −$10,000 one-time initiation fee on top of the $5,000 annual fee
- −No welcome bonus and weak earning rates
- −Requires roughly $250k to $500k+ in annual Amex spend to get invited
- −Most tangible perks already exist on the $895 Platinum
The Compound Verdict
Invitations generally go to members putting $250k to $500k or more a year through Amex cards, often for years, and the buy-in is $10,000 plus $5,000 annually. The status stack and concierge are real, but as financial value the math never beats a Platinum. This is a luxury good priced like one, and you should treat it that way.
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