American Express Centurion Black Card Reviews & Info (2024)

FAQs

How much income do you need for Amex Centurion black card? ›

There's no credit limit

The American Express Black Card doesn't have a pre-set spending limit, so cardholders can spend as much as they want every month. But that's only the case if they can afford it. The Centurion® Card from American Express is a charge card, so cardholders can't carry a balance.

Amex Black Card Requirements

Have a history of at least one year with American Express. Spend $500,000 or more per year on your Amex credit cards (though some reports say you need to spend upwards of a million dollars every year) Have an exceptional credit score of 800 or higher.

The Amex black card gets you free access to more than 1,400 airport lounges around the world, including Amex Centurion Lounges, Delta Sky Clubs when you're flying Delta, and Priority Pass airport lounges**. You can sit back and relax on the comfortable chairs while indulging in some good food and drinks.

Out of reach even for most high earners: Because the card is open only to current Amex Platinum cardholders who have received a personal invitation to apply, and is likely limited to those who are already spending exorbitant amounts on their Platinum card, the Centurion card is accessible only to a select few.

Experts estimate that there are around 100,000 Amex Centurion cardholders in the world, with only about 20,000 of those being in the United States.

What is the most prestigious credit card? One of the world's most prestigious credit cards is the Centurion® Card from American Express*. Though there may be other cards with more elaborate benefits, those cards are kept well under wraps.

The Centurion® Card from American Express -- also known as the Black Card -- is an extremely expensive card to own, with a $5,000 annual fee and a hefty initiation fee. It comes with some excellent benefits, especially for travel, but it can be hard to justify the cost of the card.

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.

What Credit Card Do the Super Rich Use? The super rich use a variety of different credit cards, many of which have strict requirements to obtain, such as invitation only or a high minimum net worth. Such cards include the American Express Centurion (Black Card) and the JP Morgan Chase Reserve.

Which celebrity has a American Express Black Card? ›

Both Kim Kardashian and Oprah Winfrey reportedly have one, and Jerry Seinfeld broke his out in a recent episode of the Netflix show, “Comedians in Cars Getting Coffee.” In fact, were it not for Seinfeld, the card might not exist. “Do you know why there is a Black Card?” he asks fellow comedian John Mulaney. “Me.”

Generally, you can pay your mortgage loan with a credit card, but it's not as simple as paying your mortgage lender directly through your credit card company. Most mortgage lenders won't accept mortgage payments from a credit card because they would be required to pay transaction fees.

The American Express Black Card income requirement is reportedly at least $1 million per year. It's rumored that you must also spend and pay off at least $350,000 across your American Express credit cards annually just to get an invitation to apply.

The largest purchase ever made on a American Express Business Centurion Card was reportedly a $170 million painting, bought by Chinese billionaire Liu Yiqian Liu.

But we have it on good authority that celebrities including Beyoncé, Oprah Winfrey, and Jerry Seinfeld, who reportedly received the first-ever Black Card, all carry it. Collectively there are thought to be fewer than 20,000 AmEx Centurion cardholders around the world.

You need to be a big spender to get a Centurion Black Card

Reports on the internet range from requiring $250,000 to over a million dollars of annual spending. AmEx has not confirmed any specific spending requirements, and there's no known threshold at which Platinum cardmembers receive an invitation.

Amex Centurion cardmember stats

The Centurion Card is often referred to as “the Black Card,” and it's invitation-only. According to this, the average Centurion reader (and therefore average Amex Centurion cardmember): Has a net worth of $11.4 million. Has a household income of $1.8 million.

There isn't a published income requirement for the Amex Platinum Card^®.