Comparison (US)

Amex Black or Stratus Rewards Visa White?

Wondering which credit card is right for you? Compare the Amex Black Card and the Stratus Rewards Visa White to see which comes out on top.

Amex Black Card vs. Stratus Rewards Visa Credit Card: which is the best?

Check out the comparison between these two luxurious cards. Source: The Mister Finance.
Check out the comparison between these two luxurious cards. Source: The Mister Finance.

More than exclusive credit cards, we bring two options that offer you a lifestyle: luxury, trips, many benefits, and that special pleasure to feel unique when carrying one of these cards. But between the Amex Black and the Stratus Rewards Card, which option stands out the most?

Besides the high credit limit, concierge 24/7, elite status in all sorts of segments, upgrade travel options, discounts, insurance, high-end merchandise, and more, these cards allow you exclusive access to events, experiences, and clubs.

They also support and enhance the affluent way of living, by personalizing VIP access to all the best resources around the world.

But, so many features come with some requirements. Therefore, those cards are not for anyone who just wants to be their cardholder, as a club of benefits comes with a club of exclusivity and confidentiality.

So, if you want to know your profile fits their select memberships, keep reading our comparison between the Amex Black and the Stratus Rewards to learn more about their features, benefits, advantages, and disadvantages.

American Express Centurion credit card

How do you get the The Centurion® Card

If you want to know how to apply for, and whether you are eligible for, The Centurion® Card from American Express, this is the place.

Stratus Rewards Visa Card

How to get the Stratus Rewards Visa Credit Card

If you fit the spending profile to have the Stratus Rewards Visa Credit Card, keep reading our post to know if you can apply for this card!

Comparison Table

American Express BlackStratus Rewards Visa
Sign-up bonusNoneNot disclosed
Annual fee$5,000$1,500
Rewards1x Membership Rewards point per dollar spent (worth 2 cents)Rewards for flights on private jets or other charter flights
Other perks24/7 Personal Concierge Program
Access to exclusive and special events and experiences
Many luxury benefits
No foreign transaction fee
Centurion International Arrival Services
Priority Pass Select membership
Airport Meet & Greet services
24/7 Personal Concierge Program
Access to exclusive and special events and experiences
Discounts on private jet flights, luxury hotels, car services, shopping, and more
Personal consultation with a famed lifestyle expert
Pool points with friends
APR25.24% Variable APR on purchasesNot disclosed

The American Express Black Card

Learn how the Amex Black Card works. Source: The Mister Finance.
Learn how the Amex Black Card works. Source: The Mister Finance.

The Centurion® Card from American Express, commonly known as the Amex Black Card, is made of anodized titanium and offers many exclusive rewards.

You can get an invitation or request for one – if you are already an Amex cardholder. That’s one of the advantages, as it has a simpler way to get to be a member, even though it is known as the most exclusive and desirable card in the world.

Although it almost has no limits, cardholders are limited to two authorized users per account, and each user will pay the same annual fee.

The $10,000 initiation fee plus the annual fee, guarantee an excellent credit level, a big amount of rewards and benefits, and VIP access to events, hotels, lounges, and rental services.

It was launched to have the best redemption rates for the rewards earned. As well as it is great for those who spend a lot of time traveling.

It provides more information than the Stratus Rewards Visa White, while doesn’t disclose in detail how the membership program works.

The Stratus Rewards Visa Credit Card

Check out the features and benefits of the Stratus Visa Card. Source: The Mister Finance.
Check out the features and benefits of the Stratus Visa Card. Source: The Mister Finance.

Launched in 1999, the Stratus Rewards Visa White was meant to be the highest level of a credit card. Sony Cierge and Connect, Marco Polo Club, Zino Platinum, and Marquis Jet are just a few of the partners this card can put you with if you manage to be a member.

To be a cardholder of this first white card in the world, you must get invited. Once you manage to get it, you can enjoy, with exclusivity, pooling its rewards points together to use toward private jets and other perks, as listed on the table above.

As an elite product should be, this card doesn’t reveal much information either, unless you get to be part of this select and exclusive group.

Benefits of the Amex Black Card

Many luxury benefits, such as elite status at several hotels (such as IHG Platinum Elite, Hilton Honors Diamond, Marriott Bonvoy Gold), flight companies, and rental chains

  • Access to the Global Lounge Collection
  • Reward point on all purchases
  • Exclusive retail benefits
  • Many travel perks, as well as personalized events and experiences

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Benefits of Stratus Rewards Card

  • Many exclusive and luxurious perks and rewards
  • 24/7 concierge service
  • Pool rewards to use in private jets and other perks
  • Discounts and upgrades in hotels, car services, and more

Amex Black Card disadvantages

  • High initiation and annual fee
  • By invitation only
  • Only provides full details on how it works once you get yours

Stratus Rewards Card disadvantages

  • High initiation and annual fee
  • By invitation only
  • There is not much information about this card

Amex Black or Stratus Rewards: Which you should choose?

Although the annual fees are high, the exclusive and unrivaled benefits and rewards can be worth it. Also, it pays off if your lifestyle is about traveling a lot and spending money with big events, experiences, and shopping all around the globe.

Furthermore, some say that the concierge and customer services are great and deliver what promised. It is important to note that those exclusive credit cards have unique resources like no other card has. Such as private jet rewards and partnerships with huge brands in hospitality and retail.

But, as you can see, there is not much information and details on how these cards’ perks and rewards work. Even though the American Express Black provides a little more information and simpler access on how to be a member and enjoy the benefits, a big part of it is still not disclosed.

And the reason why this mystery surrounds those cards is all about the target audience.

First of all, you should have a very high and excellent credit score, as well as a high declared income and net worth (basically being a part of HNWIs – high-net-worth individuals), to secure an invitation to join the exclusivity and secrecy that circle the club.

But if you want to look at a third option, check out the Mastercard® Black Card™ review below!

Mastercard® Black Card™

Mastercard® Black Card™ review

Do you want a card that can give you high status and luxury? If so, read our full review of the Mastercard® Black Card™!

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