Centurion Card (Black Card)
American Express$5,000 a yearNo foreign transaction fee
Not open to new applicants.
Already have it? A lower-fee card in the same family may suit you better.
Not open to applications
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Global Entry/TSA PreCheckof $30 face value | +$21 |
| Annual fee | −$5,000 |
| First year | −$4,979 |
| Each year after | −$4,379 |
Not counted in the first year: lounge access and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 1.5X | Purchases of $5K+up to $500K per calendar year | 2.2% |
| 1X | Everything else | 1.5% |
Noteworthy perks
- American Express Centurion Lounge
- Global Entry/TSA PreCheck$30 a year
Personal card · Earns American Express Membership Rewards · Authorized user fee $5,000
Benefits
Credits & Perks (5)
- CLEAR Plus: $438 (Annual Calendar Year)
Covers CLEAR Plus membership for cardholder and up to three family members or friends.
- Saks Fifth Avenue: $250 (Quarterly Calendar Year)
Credits for purchases at Saks Fifth Avenue stores or saks.com. Up to $1,000 per year.
- Equinox: $300 (Monthly)
Complimentary Equinox Destination Access membership providing access to 100+ Equinox locations in the U.S., U.K., and Canada. Valued at $300/month ($3,600/year).
- Uber Cash: $15 (Monthly)
Applied to your Uber account each month on the 1st and must be used in that month. An Amex card must be selected as your payment method in the Uber app to spend the Uber Cash. Additional $20 bonus in December (total $35 in December).
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers Global Entry ($120) or TSA PreCheck application fee. Credit applies automatically when charged to card.
Lounge Access (3)
- American Express Centurion Lounge (Unlimited): 2 free guests, paid guests allowed
- Priority Pass Select (Unlimited): 2 free guests, paid guests allowed
- Delta Sky Club (when flying Delta) (Unlimited): paid guests allowed
Elite status (1)
- Delta SkyMiles: Platinum Medallion
Protections (9)
- Trip Delay, up to $500, Up to $500 per covered trip delayed more than 6 hours. Up to 2 claims per card per 12 months.
- Trip Cancellation/Interruption, up to $10,000, Up to $10,000 per covered trip for trip cancellation or interruption
- Baggage Insurance, up to $3,000, Up to $2,000 for checked baggage, up to $3,000 combined for checked and carry-on
- Travel Accident Insurance, Coverage for travel accidents
- Purchase Protection, up to $10,000, 90 days coverage for theft, damage, or loss of eligible purchases
- Extended Warranty, up to $10,000, Extends manufacturer warranty by up to 1 year for warranties of 5 years or less. Up to $10,000 per item, $50,000 per year.
- Return Protection, up to $300, Refunds full purchase price if merchant won't accept return within 90 days. Up to $300 per item, $1,000 per calendar year.
- Car Rental Insurance (secondary), up to $75,000, Secondary coverage for rental car damage or theft, up to $75,000
- Cell Phone Protection, up to $800, Up to $800 per claim with $50 deductible, max 2 claims per 12-month period. Excludes cosmetic damage.
Other Perks
- PS membership with two complimentary Salon visits per year
- Airport Butler service at 30+ international airports for up to 8 travel companions
- 24/7 dedicated Centurion Concierge
- Enhanced Fine Hotels + Resorts perks with confirmed room upgrades and additional credits
- 20% Pay-With-Points rebate on Amex Travel flights (up to 1M points/year)
The American Express Personal Premium family
Amex Classic Green$150/yrCompare Amex Classic Green with this card
Amex Gold$325/yrCompare Amex Gold with this card
Amex Platinum$895/yrCompare Amex Platinum with this card
Platinum Card for Morgan Stanley$895/yrCompare Platinum Card for Morgan Stanley with this card
Platinum Card for Schwab$895/yrCompare Platinum Card for Schwab with this card
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Centurion CardOct 8, 2026
- changed from null to Up to three Additional Centurion Cards. Additional Platinum Cards on the account are $195 a year each, and Companion Centurion Cards are free.Sep 30, 2026
- changed from null to closedSep 8, 2026
- changed from null to chargeSep 2, 2026
- changed from Slug: american-express-green-card; Tier: 1; Tier name: Green; Slug: american-express-gold-card; Tier: 2; Tier name: Gold; Slug: the-platinum-card-from-american-express; Tier: 3; Tier name: Platinum; Slug: the-platinum-card-from-american-express-exclusively-for-morgan-stanley; Tier: 3; Tier name: Platinum Morgan Stanley; Slug: the-platinum-card-from-american-express-for-schwab; Tier: 3; Tier name: Platinum Schwab to Slug: american-express-classic-green-card; Tier: 1; Tier name: Green; Slug: american-express-gold-card; Tier: 2; Tier name: Gold; Slug: the-platinum-card-from-american-express; Tier: 3; Tier name: Platinum; Slug: the-platinum-card-from-american-express-exclusively-for-morgan-stanley; Tier: 3; Tier name: Platinum Morgan Stanley; Slug: the-platinum-card-from-american-express-for-schwab; Tier: 3; Tier name: Platinum SchwabAug 20, 2026