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The Centurion Card from American Express

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American Express · American Express · personal · Amex Membership Rewards

American Express Centurion AMEX
Seeded from model knowledge (mid-2026), not yet web-verified. Check issuer terms before relying on rates, credits, caps, or protections. Edit data.
Review the linked sources below for offer details and eligibility.
$5,000
annual fee · Plus a one-time $10,000 initiation fee (U.S.) in the first year, so $15,000 up front. Each additional (authorized user) card costs $5,000 a year. Fees raised from $2,500/yr ($7,500 initiation) in April 2020.
0%
foreign txn fee
$1,051
credits/yr realistic ($1,599 face)

Earning

Everything else
1 Membership Rewards point per dollar on all purchases. Reviewers disagree on extras (Upgraded Points mentions 2x on Amex Travel and Uber; One Mile at a Time mentions 1.5x on purchases of $5,000+ with caps) - unconfirmed, so not filed.
1x 2%

Right column: value per $ at travel valuation (2¢/pt). Statement credit ~0.6¢ (1.1¢ via Schwab Platinum). Travel value assumes airline transfers.

Credits

  • $250 Resy dining credit /quarter · medium to use · enrollment required
    Up to $250 per quarter ($1,000/year) in statement credits at qualifying U.S. Resy restaurants, select Resy events and Centurion New York. No need to book through Resy; enrollment required. Added July 2026; unused quarters do not roll over.
  • $200 Uber Cash /year · easy to use · enrollment required
    Up to $15 in Uber Cash each month plus an extra $20 in December ($200/year) for U.S. Uber rides and Uber Eats, once the card is added to the Uber app.
  • $369 CLEAR Plus credit /year · medium to use · enrollment required
    Up to $369 a year in statement credits for CLEAR Plus for the cardholder and up to three family members.
  • $120 Global Entry / TSA PreCheck credit /every 4 years · easy to use · enrollment required
    Statement credit for the Global Entry ($120, every 4 years) or TSA PreCheck (every 4.5 years) application fee.

Benefits

  • No foreign transaction fees
  • Amex Global Lounge Collection — Centurion Lounges (with up to 2 guests and children 17 and under), Priority Pass Select, Escape, Plaza Premium and Lufthansa lounges. Delta Sky Club access is listed only by CardStack and is not confirmed.
  • Priority Pass Select — Unlimited visits; enrollment required.
  • PS (Private Suite) airport terminal — Complimentary PS membership and two PS visits a year (LAX, ATL and other PS locations).
  • Delta SkyMiles Platinum Medallion — Complimentary Delta Platinum Medallion status (complimentary upgrades, priority waitlisting, priority boarding).
  • Hilton Diamond, Marriott Gold, IHG Platinum — Complimentary Hilton Honors Diamond, Marriott Bonvoy Gold Elite and IHG One Rewards Platinum Elite status.
  • Car rental status: Hertz President's Circle/Platinum, Avis President's Club — Reviews name the Hertz tier differently (Platinum vs President's Circle).
  • Equinox Destination Access membership — Complimentary Equinox membership (reviewers value it at ~$300+/month). A membership, not a statement credit.
  • Centurion concierge — Personal 24/7 Centurion concierge and Centurion Travel Service; Centurion International Arrival Services (expedited customs/immigration on international business/first flights at 30+ airports).
  • Membership Rewards transfer partners — Earns standard Membership Rewards points, transferable to Amex airline and hotel partners.
  • Fine Hotels + Resorts, Amex Premium Events Collection, Centurion New York — Access to FHR bookings and Centurion-only events and venues.
  • Trip delay / cancellation, baggage and purchase protections — TPG lists trip delay/cancellation, baggage delay, extended warranty and purchase protection; coverage limits not confirmed.

Protections

purchase protectionIncluded (limits not confirmed)
extended warrantyIncluded (limits not confirmed)
trip cancellationIncluded (limits not confirmed)
trip delayIncluded (limits not confirmed)
baggage delayIncluded (limits not confirmed)

Notes

Charge card; no preset spending limit. Amex's public Centurion pages are login-only, so everything here comes from 2025-2026 reviews (TPG, OMAAT, Upgraded Points, Doctor of Credit). July 2026: added a $1,000/yr Resy credit ($250 a quarter, enrollment required). Sources disagree on what it replaced: CardStack says the $250-a-quarter Saks Fifth Avenue credit ended June 30, 2026, and Upgraded Points says the $200 airline fee credit was dropped. Neither the Saks nor the airline credit is filed here. The one-time $300 SoulCycle bike credit and the $120 Uber One credit appear only on CardStack, so they are left out. The CLEAR amount comes from a TPG article dated Jan 2025. Protection limits and the rental car coverage type were not confirmed. No foreign transaction fee is widely reported, but I did not see it on an issuer page. Earns only 1x, so it is a poor card for earning points: its value is in status, lounges, concierge and access.

Verified 2026-09-23 · confidence medium · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9