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The Centurion® Card from American Express review

Read our in-depth review of the exclusive and highly desirable The Centurion® Card from American Express. Learn more about the benefits, how to qualify for this coveted card, and whether it’s worth the $5000 annual fee.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

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The Centurion® Card from American Express review: Your key to luxury.

American Express Centurion credit card review. Source: The Mister Finance.
American Express Centurion credit card review. Source: The Mister Finance.

Have you ever heard of The Centurion® Card from American Express? It’s the most prestigious and exclusive product in the world and is known for its generous benefits and high prestige.

But is it worth requesting consideration for it? In this The Centurion® Card from American Express review, we’ll take a look at what makes the Centurion card so special, as well as go over some of the pros and cons of having one.

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.

Credit ScoreExcellent
Annual Fee$5,000 (+$10,000 of Initiation Fee)

Rates & Fees
Regular APRPrime Rate + 21.99% (variable)

Rates & Fees
Welcome bonusMembership Rewards® Points – variable to each client

Terms Apply.
Rewards1X Membership Rewards® Points for each dollar spent on eligible purchases

Terms Apply.

So whether you’re thinking about applying for a Centurion card or are just curious, read on for more information!

How does The Centurion® Card from American Express work?

How does this card work? Source: Adobe Stock.
How does this card work? Source: Adobe Stock.

The American Express Centurion offers many benefits to its cardholders. Nevertheless, like all other bank cards, it also has its disadvantages. See below Centurion’s pros and cons.

The Centurion® Card from American Express benefits

Pros

Here’s a list of some of the card’s benefits:

  1. 24/7 concierge service
  2. Hotel benefits
  3. Airline status
  4. Airport and air travel perks
  5. Cruises
  6. Car rental and insurance
  7. Exclusive offers and events
  8. Equinox Destination Access membership
  9. $0 foreign transaction fee

Bottom line, here’s what you will gain: a world-class reputation.

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Cons

As for the cons, they are mostly price-related. Check out the four main numbers you would need to look at:

  1. The amount you will pay to get your Centurion card: $10,000
  2. The amount you will pay to open your account: $15,000
  3. The annual fee: $5,000
  4. How much you should spend to benefit from the Centurion card: a six figure average spending

Should you get The Centurion® Card from American Express?

As sad as it is, one does not simply think of it when organizing one’s finances. Actually, this acquisition is more of a desire to be satisfied. But of course, only if the cardholder can afford to pay $10,000 for this black card.

How good does your credit score need to be?

As we mentioned in our other post, the requirements for getting this credit card are not publicly available. However, we can all agree that the minimum credit score that you will need is an excellent one.

How to apply for The Centurion® Card from American Express?

Regardless of whether you discovered that you can or cannot afford this perk, is it interesting to know that: even though you need an invitation from the card issuer, they have recently started allowing people to ask for consideration.

So, if you think you might give it a shot, don’t miss out on our next post!

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.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Thais Daou

Thais Daou holds an undergraduate degree in Languages — Translating and Interpreting from the São Judas Tadeu University. She has been translating, proofreading, and transcribing financial documents, as well as documents from other fields, for five years. And now she begins a new chapter in her career, writing about financial solutions in a simplified way, with a desire to spread this knowledge, which is so important.

Reviewed by  /  Aline Barbosa

Senior Editor

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