American Express

The Centurion® Card from American Express

Transfers to airlines & hotels

Annual fee

$5000/yr

Welcome bonus

Not available — invitation only (the 'Black Card')

Min spend

N/A

Recommended credit

By invitation only

Before you apply: American Express application and welcome-bonus rules →

Offer last verified July 10, 2026. How we verify.

Earning rates

1x Membership Rewards points on eligible purchases

1.5x points on eligible purchases of $5,000 or more

Features & benefits

Potential invite requirements: an existing American Express relationship in good standing (often a Platinum cardholder) and very high annual spend on Amex, widely reported in the hundreds of thousands of dollars, plus strong income and excellent credit; extended solely at Amex's discretion

One-time $10,000 initiation fee, then a $5,000 annual fee

Complimentary elite status with major hotel programs, such as Hilton Diamond and Marriott Bonvoy Gold

Delta Sky Club access when flying Delta and a broad airport-lounge collection

Dedicated Centurion concierge and luxury travel services

Annual airline, retail, and luxury-brand statement credits

No preset spending limit

No foreign transaction fees

Lounge access

Extensive airport lounge access: The Centurion Lounge network, Priority Pass Select, and a broad international lounge collection, generally with complimentary guests

Statement credits

Annual airline fee credit

Retail and luxury-brand statement credits (e.g. Saks Fifth Avenue)

Global Entry or TSA PreCheck application fee credit

Transfer partners

Your Membership Rewards transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:

Airline partners

Delta SkyMiles, British Airways, Air France/KLM, Singapore Airlines, ANA, Avianca LifeMiles, Emirates Skywards

See exactly what a flight award costs

Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.

Search award flights on seats.aero →

Hotel partners

Marriott Bonvoy, Hilton Honors

See what a hotel award costs

Look up the live points price and availability for a specific hotel stay before you book.

Search award stays on rooms.aero →

See the full American Express ecosystem, card lineup, and live transfer bonuses →

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the The Centurion® Card from American Express lands.

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