This Baby Has an American Express Black Card (2024)

FAQs

What does it mean if you have a black American Express 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.

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.

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.

Numerous celebs use this American Express card, but Jerry Seinfeld deserves a special mention here. The comedian appeared in American Express commercials in the '90s, and he claims to have been given the first Amex Black Card.

What are the black card income requirements? The American Express Black Card income requirement is reportedly at least $1 million per year.

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.

It is widely accepted that you need to be a big spender for AmEx to give you a Centurion Card. Reports on the internet range from requiring $250,000 to over a million dollars of annual spending.

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 Mastercard® Black Card's minimum credit limit is $5,000. Given that the Mastercard Black Card is advertised as a “luxury” card and charges an annual fee of $495, applicants may assume it will have a high limit. That may or may not prove true, depending on the applicant's credit history, income and potential debt.

You can't purchase a physical real estate property outright with a credit card the way you would when using a credit card to buy lunch or a new television. One reason for this is because a typical consumer credit card likely doesn't offer a credit line large enough to cover the entire home price.

What are the perks of a Black Card? ›

The Amex Centurion card is right for someone who charges hundreds of thousands of dollars a year to their Amex Platinum and can score an invite for the Platinum's elusive big sibling. Whether or not you'll get enough value out of the Centurion card to justify the high price of ownership isn't the point.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why It's One of the Most Exclusive Credit Cards: The most exclusive, prestigious credit card is without a doubt the American Express Centurion Card, otherwise known as the Amex Black Card.

The most expensive credit card is the Centurion® Card from American Express (also called the Amex “Black Card”), because it has an initiation fee of up to $10,000 and a $5000 annual fee.

What is a black card? The credit card most associated with the phrase “black card” is the Centurion^® Card from American Express, or the “Amex Black Card.” It was released in 1999 and created such a buzz that other card issuers wanted to create their own deluxe credit cards to reward their highest-spending customers.

How much do you have to spend to get a black card? There are very high spending requirements to get a black card. Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.

Centurion Membership is by invitation only. If you are interested in being considered for invitation to Centurion Membership, please provide the information below: Note: Submission of your information is not an application for credit and does not obligate American Express to invite you to apply for the Centurion Card.

Amex is widely accepted domestically. In fact, according to the 2022 Nilson Report, you can use your Amex at 99% of places in the U.S. that accept payment via credit card.