American Express
The Centurion Card from American Express
Invitation only medium confidence
By invitation from American Express only - there is no application. Amex does not publish criteria; invitations go to existing Amex cardmembers (usually long-time Platinum holders) with very high spending. Reported thresholds vary: roughly $250,000-$350,000+ a year on Amex cards for the personal card (One Mile at a Time, TPG, Upgraded Points), some sources say $350,000-$500,000, and ~$450,000-$500,000 for the business version. Some cardholders report asking Amex to be considered. Expect $15,000 in the first year ($10,000 initiation + $5,000 annual fee). [1] [2] [3] [4]
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.
- Annual fee
- $5,000
- Credits / yr
- $1,599
- $1,051 realistic
- Net cost
- $3,949
Invitation only; $10,000 initiation + $5,000/yr$1,000/yr Resy dining credit ($250 a quarter)Centurion Lounges, Priority Pass, PS terminal visitsDelta Platinum, Hilton Diamond, Marriott Gold, IHG Platinum24/7 Centurion concierge; Equinox membership1x Membership Rewards on everything
Statement credits
- $369 CLEAR Plus credit
Up to $369 a year in statement credits for CLEAR Plus for the cardholder and up to three family members. · medium to use · enroll
- $250 /quarter Resy dining credit
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. · medium to use · enroll
- $200 Uber Cash
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. · easy to use · enroll
- $120 /every 4 years Global Entry / TSA PreCheck credit
Statement credit for the Global Entry ($120, every 4 years) or TSA PreCheck (every 4.5 years) application fee. · easy to use · enroll
Perks
- No foreign transaction fees
- Amex Global Lounge CollectionCenturion 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 SelectUnlimited visits; enrollment required.
- PS (Private Suite) airport terminalComplimentary PS membership and two PS visits a year (LAX, ATL and other PS locations).
- Delta SkyMiles Platinum MedallionComplimentary Delta Platinum Medallion status (complimentary upgrades, priority waitlisting, priority boarding).
- Hilton Diamond, Marriott Gold, IHG PlatinumComplimentary 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 ClubReviews name the Hertz tier differently (Platinum vs President's Circle).
- Equinox Destination Access membershipComplimentary Equinox membership (reviewers value it at ~$300+/month). A membership, not a statement credit.
- Centurion conciergePersonal 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 partnersEarns standard Membership Rewards points, transferable to Amex airline and hotel partners.
- Fine Hotels + Resorts, Amex Premium Events Collection, Centurion New YorkAccess to FHR bookings and Centurion-only events and venues.
- Trip delay / cancellation, baggage and purchase protectionsTPG lists trip delay/cancellation, baggage delay, extended warranty and purchase protection; coverage limits not confirmed.
Protections
| Purchase protection | Included (limits not confirmed) |
| Extended warranty | Included (limits not confirmed) |
| Trip cancellation / interruption | Included (limits not confirmed) |
| Trip delay | Included (limits not confirmed) |
| Baggage delay | Included (limits not confirmed) |
Earning, approval rules & sources
- 1x 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.
American Express approval rules: Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
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.