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Card Economics
Annual Fee
$5,000
Ongoing Annual Value
−$2,385
First-Year Value Estimate
N/A
Net Value
−$7,385
Card type: PersonalForeign transaction fee: NoneCurrency: American Express Membership RewardsAU fee: $5,000
Centurion Card (Black Card)

Centurion Card (Black Card)

American Express
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Sign-up Bonus

Invitation-only; no public welcome offer
Am I eligible?

Earning Structure

1.5XPurchases of $5K+ (up to $500K per calendar year)2.2%
1XAll other purchases1.5%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Purchases of $5K+ (up to $500K per calendar year)?Is this the best card for All other purchases?

Benefits

Worth it for me?
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 (4)
  • 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
  • Lufthansa First Class Lounges (FRA/MUC) (Unlimited) — paid guests allowed
Elite Status (6)
  • Hilton Honors: Diamond
  • IHG One Rewards: Platinum
  • Marriott Bonvoy: Gold
  • Delta SkyMiles: Platinum Medallion
  • Avis Preferred: President's Club
  • Hertz Gold Plus Rewards: Platinum
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