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Features of the Centurion® Card from American Express (Black Card)

  • Overview of the Card’s Prestige and Exclusivity: The Centurion® Card from American Express, commonly known as the Black Card, is an ultra-premium charge card designed for high-net-worth individuals, offering a suite of exclusive features that cater to a luxurious and sophisticated lifestyle. Below is a detailed exploration of the card’s key features, showcasing its prestige and tailored offerings for the global elite.
  • Invitation-Only Access: The Centurion Card is exclusively available through invitation, reserved for individuals with exceptional financial profiles and a strong relationship with American Express. Typically, candidates are existing Amex cardholders, such as Platinum Card members, who demonstrate annual spending between $350,000 and $1 million. This exclusivity ensures the card remains a rare status symbol, accessible only to a select group of high spenders.
  • Titanium Card Design: Crafted from anodized titanium, the Centurion Card is a physical embodiment of luxury. Weighing approximately 14 grams, its sleek, laser-etched design creates a distinctive presence when presented. The card’s durability and aesthetic appeal make it a coveted item, signaling wealth and exclusivity in every transaction, whether at a high-end retailer or a luxury hotel.
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    • No Preset Spending Limit: As a charge card, the Centurion has no fixed credit limit, allowing significant purchasing power based on your payment history, creditworthiness, and financial resources. This flexibility enables cardholders to make substantial purchases, such as high-value art or private jet charters, provided balances are paid in full monthly. This feature caters to affluent individuals with dynamic spending needs.
    • Membership Rewards Program: Cardholders earn 1 Membership Rewards point per dollar on all eligible purchases, with 1.5 points per dollar on transactions exceeding $5,000 (up to 1 million additional points annually for U.S. cardholders). Points are versatile, redeemable for travel, gift cards, statement credits, or transfers to over 20 airline and hotel loyalty programs, such as Singapore Airlines KrisFlyer or Marriott Bonvoy, offering flexibility for luxury redemptions.
    • Centurion Concierge Service: The 24/7 Centurion Concierge is a standout feature, providing personalized assistance for virtually any request. From securing reservations at exclusive restaurants to arranging private island getaways or sourcing rare collectibles, the concierge acts as a personal assistant. Cardholders often receive a dedicated relationship manager, ensuring consistent, tailored service for travel, dining, or event planning.
    • Global Lounge Collection Access: The card grants complimentary access to over 1,400 airport lounges worldwide, including Centurion Lounges, Priority Pass Select, and Delta Sky Clubs (when flying Delta). Cardholders enjoy priority access to reserved areas, premium amenities like gourmet dining, and exclusive beverages, such as rare whiskeys or champagnes, enhancing the pre-flight experience for frequent travelers.
    • Elite Status with Travel Partners: Automatic elite status with major travel programs elevates the cardholder experience. This includes Hilton Honors Diamond (offering room upgrades and a 100% points bonus), Marriott Bonvoy Gold Elite (25% points bonus and priority late checkout), IHG Platinum Elite (60% points bonus), and Hertz Gold Plus Rewards President’s Circle (guaranteed upgrades). These statuses provide tangible perks for hotel stays and car rentals.
    • Fine Hotels + Resorts Program: Enjoy benefits at over 1,200 luxury properties like daily breakfast, room upgrades, early check-in, late checkout, and $100–$200 credits for dining or spa services.
    • International Airline Program: Receive discounted fares on first and business-class tickets with airlines like Emirates and Qantas. This benefit offers considerable savings for frequent international travelers.
    • Exclusive Event Access: Invitations to private events such as art gallery tours, fashion shows, and VIP concert seating. These experiences enhance lifestyle prestige and networking opportunities.
    • Comprehensive Travel Protections:
      • Trip Cancellation Insurance: Up to $10,000 per trip.
      • Trip Delay Insurance: Up to $500 for delays over six hours.
      • Baggage Insurance: Up to $3,000 for lost luggage.
      • Car Rental Loss and Damage Insurance: Up to $75,000 in secondary coverage.
    • Luxury Shopping Benefits: Cardholders enjoy special offers with high-end retailers and priority reservations at top restaurants through the Global Dining Collection. These perks include exclusive discounts, VIP treatment, and curated dining experiences, aligning with the cardholder’s luxury lifestyle.
    • International Arrival Services: For international travel, the card offers personal guides to expedite customs and immigration at over 30 airports, with optional baggage porter services and ground transportation coordination. This feature, available for up to eight companions, streamlines global travel for busy cardholders.
    • Premium Car Rental Status: Top-tier status with Avis President’s Club and Sixt Advantage Circle Diamond provides guaranteed upgrades, priority service, and complimentary rentals. These benefits ensure a seamless and luxurious car rental experience, ideal for both business and leisure travel.
    • Advanced Security Features: The card incorporates fraud monitoring, chip technology, and real-time alerts to protect transactions. As it reports to credit bureaus, responsible use is essential to maintain an excellent credit profile, aligning with the card’s high financial standards.
    • Business and Personal Variants: Available in personal and business versions, the card caters to diverse needs. The business variant offers enhanced rewards (1.5 points per dollar on purchases over $5,000) and a 50% pay-with-points rebate on airfares, making it ideal for entrepreneurs with significant business expenses.
    • Dedicated Customer Support: Cardholders receive priority customer service, with a dedicated line for resolving issues like billing disputes or travel disruptions. This ensures swift, personalized assistance, minimizing inconvenience for high-net-worth individuals.
Premier Card Benefits

Benefits of the Centurion® Card from American Express (Black Card)

  • Elite Concierge Services:
    • 24/7 Dedicated Concierge: Cardholders get access to a personal concierge for bespoke requests such as arranging private jets, sourcing rare items, or booking exclusive events.
    • White-Glove Service: From last-minute reservations to unique lifestyle experiences like private dining with celebrity chefs, the concierge handles high-end, customized arrangements.
  • Elite Travel Status:
    • Hilton Honors Diamond: Enjoy top-tier hotel benefits like room upgrades, executive lounge access, and 100% bonus points.
    • Marriott Bonvoy Gold Elite: Includes late checkout, enhanced room selection, and a 25% bonus on points earned.
    • IHG Platinum Elite: Offers 60% bonus points and flexible redemption with no blackout dates.
    • Global Lounge Access:
    • Worldwide Airport Lounges: Complimentary access to over 1,400 lounges including Centurion Lounges, Priority Pass Select, and Delta Sky Clubs when flying Delta.
    • Guest Access: Includes two guests or immediate family at no cost, with access to premium lounge experiences such as gourmet dining and craft cocktails.
    • Fine Hotels + Resorts Perks: The Fine Hotels + Resorts program provides exclusive benefits at over 1,200 luxury properties, including daily breakfast for two, room upgrades, early check-in, late checkout, and credits for dining.
    • International Airline Savings: The International Airline Program offers discounted first and business-class fares with airlines like Emirates and Qantas, delivering substantial savings for frequent international travelers.
    • Exclusive Event Invitations: These curated experiences enhance social and cultural engagement, providing opportunities to network with other high-net-worth individuals and enjoy unique occasions.
    • Robust Travel Protections:
    • Trip Cancellation/Interruption: Up to $10,000 per trip for non-refunded expenses.
    • Trip Delay: Up to $500 for delays over six hours, covering meals or lodging.
    • Baggage Insurance: Up to $3,000 for lost or damaged luggage.
    • Car Rental Loss/Damage: Up to $75,000 (secondary coverage).
    • These protections safeguard against travel disruptions, ensuring peace of mind for frequent travelers.
    • Purchase and Return Protections:
    • Purchase protection covers eligible items up to $2,500 if damaged or stolen within 90 days, with a $20,000 annual cap.
    • Return protection offers refunds up to $300 per item (up to $1,000 annually) if retailers refuse returns.
    • Extended warranties add one year to eligible purchases, protecting high-value items like electronics or jewelry.
    • Luxury Shopping and Dining: Cardholders enjoy exclusive offers with high-end retailers and priority reservations at top restaurants through the Global Dining Collection.
    • International Arrival Services: The card provides personal guides to expedite customs and immigration at over 30 airports, with baggage porter services and ground transportation coordination for up to eight companions.
    • Premium Car Rental Benefits: Top-tier status with Avis President’s Club and Sixt Advantage Circle Diamond includes guaranteed upgrades, and complimentary rentals, ensuring a luxurious car rental experience for business.
    • Equinox Membership: complimentary Equinox All-Access membership provides access to premium fitness facilities and wellness programs, supporting cardholders’ health and fitness goals.
    • Wine and Culinary Benefits: The card offers wine consultations with specialists and exclusive dining benefits, such as credits or priority reservations at top restaurants, enhancing the culinary experience for cardholders.
    • Global Recognition and Prestige: Presenting it often results in unsolicited upgrades or preferential treatment at hotels, restaurants, or retailers, adding intangible value to the cardholder experience.
    • >Priority Customer Support: A dedicated customer service line ensures swift resolution of issues, from billing disputes to travel disruptions, providing personalized support for cardholders with demanding schedules.
    • Flexible Rewards Redemption: Membership Rewards points can be redeemed for travel, gift cards, or transfers to over 20 airline and hotel partners, offering flexibility for luxury experiences.
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How to Apply for the Centurion® Card from American Express (Black Card)

  • Step 1: Establish a Relationship with American Express
    • Become an active American Express cardholder, usually with a Platinum Card or Business Platinum Card.
    • Maintain 3–5 years of consistent usage and payment history.
    • Use your Amex card for high spending in luxury categories like travel, dining, or retail ($350,000–$1 million annually).
    • Engage with premium services like Platinum concierge or Fine Hotels + Resorts.
    • If you’re not an Amex cardholder, apply for a Platinum Card and build a strong relationship over time.
  • Step 2: Meet Spending and Financial Thresholds
    • Spend $350,000–$1 million annually (personal cards) or $450,000–$1 million (business cards) on lifestyle expenses.
    • Pay all balances in full monthly to keep an excellent credit score (750–800+).
    • Maintain a net worth of $10–20 million with substantial liquid assets.
    • Have an annual income exceeding $1 million.
    • Regularly review your financial profile to meet these high thresholds.
  • Step 3: Request Consideration or Await an Invitation
    • The Centurion Card is invitation-only; Amex contacts eligible candidates.
    • Existing Amex cardholders can request consideration online via the Amex portal, though approval is not guaranteed.
    • Submit a formal inquiry through your Amex account or contact your relationship manager.
    • Invitations are rare — about 100,000 cardholders worldwide.
  • Step 4: Undergo Pre-Qualification Assessment
    • Amex reviews your credit score, spending history, income, and net worth.
    • Must have credit score 750+, low debt-to-income ratio (<10%), and clean credit history.
    • May request initial financial details like recent statements or income verification.
    • Your relationship manager will assist you during this step.
  • Step 5: Complete the Formal Application
    • Receive a formal application via a secure portal or relationship manager.
    • Provide detailed personal and financial information, including Social Security number and income.
    • As a charge card, full monthly payments are required.
    • Review all entries carefully to avoid delays.
  • Step 6: Submit Supporting Documentation
    • Provide government-issued ID, proof of residency, financial statements, and tax returns.
    • Submit documents securely per AML and KYC regulations.
    • Documents support eligibility and fees ($10,000 initiation fee and $5,000 annual fee).
  • Step 7: Credit and Financial Review
    • Amex performs a hard credit inquiry and evaluates your financial portfolio.
    • Review typically takes 7–14 business days; priority clients may get faster processing.
    • Your relationship manager keeps you informed and may request more info.
  • Step 8: Receive Approval or Additional Requests
    • If approved, you’ll get details on the initiation and annual fees.
    • Instructions for card activation and benefits enrollment are provided.
    • If more info is needed, Amex will contact you promptly.
    • Denials are rare but possible; your relationship manager can guide on improving eligibility.
  • Step 9: Activate the Card and Enroll in Benefits
    • Your titanium Centurion Card will arrive within 5–10 business days.
    • Activate online or by phone and enroll in benefits like lounge access and concierge services.
    • Your relationship manager can help customize benefits according to your lifestyle.
  • Step 10: Maintain Eligibility and Engagement
    • Continue spending $350,000–$1 million annually and paying balances in full monthly.
    • Engage with premium Amex services and concierge regularly.
    • Failure to maintain standards may result in card revocation.

Eligibility Criteria for the Centurion® Card from American Express (Black Card)

  • Existing American Express Cardholder:
    • Must be an existing Amex cardholder, typically holding a Platinum or Business Platinum Card for 1–5 years.
    • Long-term relationship allows Amex to assess payment history, spending, and loyalty.
    • Consistent use of premium services like Platinum concierge strengthens candidacy.
  • High Annual Spending:
    • Estimated $350,000–$1 million annually on personal cards; $450,000–$1 million on business cards.
    • Spending focus on travel, dining, and luxury retail rather than business expenses.
    • Consistent high-volume spending with full monthly payments indicates financial capacity.
  • Excellent Credit Score:
    • Pristine credit score, typically 750–800+, with bureaus like Equifax, Experian, or TransUnion.
    • No delinquencies, bankruptcies, or high credit utilization (preferably below 10%).
    • Charge card structure requires full monthly payments; strong credit profile essential.
  • Substantial Net Worth:
    • Typically $10–20 million or more, with significant liquid assets (cash, stocks, bonds).
    • Ability to pay $10,000 initiation fee and $5,000 annual fee without strain.
  • High Annual Income:
    • Often exceeds $1 million before taxes.
    • Stable and verifiable through tax returns or financial statements.
  • Invitation-Only Process:
    • Not available via standard application; invitation issued by Amex via proprietary criteria.
    • Existing cardholders may request consideration online since late 2021.
    • Estimated 100,000 cardholders globally among 100 million Amex users.
  • Strong Amex Relationship:
    • Timely payments, high spending on Amex cards, and engagement with premium services (e.g., Fine Hotels + Resorts).
  • Lifestyle Compatibility:
    • Frequent international travel, luxury hotel stays, and high-end retail/dining expenditures prioritized.
    • Business-only spending less favored for personal card invitation.
  • Financial Stability and Liquidity:
    • Diversified financial portfolio with substantial liquid assets prioritized.
    • Investments in real estate or illiquid assets considered but weighted less heavily.
  • Geographic Considerations:
    • Criteria vary by region; higher spending thresholds in financial hubs.
  • Business Card Eligibility:
    • Business Centurion Card eligibility focuses on corporate spending and revenue.
    • Businesses with annual revenue in tens of millions and Amex spending $500,000+ considered.
    • Primary cardholder’s personal credit and income also evaluated.
  • Recommendations and Affiliations:
    • Endorsements from existing Centurion cardholders or Amex relationship managers can enhance eligibility.
    • Affiliations with elite financial institutions signal credibility.
  • Regulatory Compliance:
    • Applicants must comply with AML and KYC regulations.
    • Verifiable ID, financial statements, and proof of residency required.
  • Age and Legal Capacity:
    • Applicants must be at least 18 years old and legally capable of entering credit agreements.
  • Discretionary Review and Approval:
    • Final approval is subject to Amex's discretionary review of overall financial behavior and risk profile.
    • Amex may periodically reassess eligibility based on changes in spending habits, creditworthiness, or financial status.
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Documents Required for the Centurion® Card from American Express (Black Card)

  • Government-Issued Photo Identification:
    • Valid U.S. Passport, Driver’s License, or State-Issued ID card.
    • ID must be current, with clear photo, legible name, and valid expiration date.
    • Provide a high-quality digital scan or photocopy.
    • If ID is near expiration, renew before applying.
  • Proof of U.S. Residency:
    • Utility Bill (electricity, water, or gas), Mortgage Statement, or Lease Agreement.
    • Document must be dated within last 60 days.
    • Must list full name and address matching application details.
    • Document must clearly identify you as account holder.
  • Social Security Number Verification:
    • Enter your SSN on application form.
    • Amex may request a copy of your Social Security card.
    • If unavailable, W-2 form or tax return showing SSN can suffice.
    • Ensure SSN matches all application details.
  • Financial Statements:
    • Recent statements from investment, bank, or brokerage accounts.
    • Show net worth of $10–20 million with significant liquid assets.
    • Statements should cover past 3–6 months with consistent balances.
    • Digital copies preferred; consult your Amex relationship manager if needed.
  • Federal Income Tax Returns:
    • Tax returns for past two years validating income (typically over $1 million annually).
    • Include all schedules, attachments, and signatures.
    • Indicate individual income if filing jointly.
    • CPA-verified summaries accepted if returns are lengthy.
  • Income Verification Documents:
    • Pay stubs (last two months), W-2 forms, or 1099 forms for employed individuals.
    • For self-employed/investment income: profit-and-loss statements, dividend reports, or CPA-verified interest income.
    • Documents should reflect high, stable income.
  • Credit Report Authorization:
    • Consent to Amex accessing credit reports from Equifax, Experian, or TransUnion.
    • Credit score of 750+ preferred, with low utilization and no delinquencies.
    • Remove any credit freezes before application.
  • Bank Statements:
    • Recent bank statements from primary accounts (past 3 months).
    • Show consistent deposits, minimal overdrafts, and substantial balances.
    • Account must be in your name and match application address.
  • Investment Portfolio Summary:
    • Comprehensive summary of assets: stocks, bonds, real estate, private equity.
    • Prepared by financial advisor or CPA.
    • Highlight liquid assets and net worth of $10–20 million.
    • Summary should be current (past 3–6 months) and distinguish liquid/illiquid holdings.
  • Letter of Recommendation:
    • May be requested from existing Centurion cardholder or Amex relationship manager.
    • Should vouch for financial standing, spending habits, and suitability.
    • Adds credibility, especially for borderline applicants.
  • Business Financials (if Applicable):
    • Business balance sheets or profit-and-loss statements for past two years.
    • CPA-verified, showing revenues in tens of millions and stable profitability.
    • Documents must indicate your ownership role clearly.
  • Proof of Employment or Income Source:
    • Letter from employer confirming position, salary, and tenure (ideally 1–2 years).
    • For investment income, documentation of dividends or interest verified by CPA or financial institution.
  • Additional Verification Documents:
    • May include marriage certificate (for joint accounts), trust documents, or proof of citizenship.
    • Ensure compliance with regulations and clarify financial circumstances.
    • Your relationship manager will specify if needed.

Factors Influencing Approval for the Centurion® Card from American Express (Black Card)

  • Spending Volume and Patterns
    • High annual spending on existing Amex cards ($350,000–$1 million personal; $450,000–$1 million business) is primary.
    • Priority given to luxury spending (international travel, fine dining, high-end retail) over business expenses.
    • Consistent, high-volume spending with full monthly payments demonstrates financial capacity.
  • Length of Amex Relationship
    • 3–5 years as a Platinum or Business Platinum Card holder increases approval chances.
    • Allows Amex to assess payment history, loyalty, and premium service engagement.
  • Credit Profile Strength
    • Excellent credit score (750–800+), clean history, low credit utilization (below 10%).
    • Hard inquiry evaluates payment history, debt-to-income ratio, and recent inquiries.
  • Net Worth and Liquidity
    • Substantial net worth ($10–20 million+), with significant liquid assets.
    • Ability to cover $10,000 initiation fee and $5,000 annual fee without strain.
  • Income Stability
    • High, stable annual income (often $1 million+) verified by tax returns or financial statements.
  • Invitation Process Dynamics
    • Invitation-only process; approval depends on undisclosed proprietary criteria.
    • Cardholders can request consideration online since late 2021.
    • Only about 100,000 cardholders globally.
  • Lifestyle Alignment
    • Frequent international travel, luxury hotel stays, and high-end retail/dining expenditures prioritized.
    • Applicants with business-only spending are less favored.
  • Engagement with Amex Services
    • Active use of Amex premium services (AmexTravel.com, Platinum concierge, Fine Hotels + Resorts) signals suitability.
  • Regional Spending Benchmarks
    • Spending thresholds vary by region; financial hubs require higher spending.
  • Business Financials for Business Card
    • Corporate revenue typically in tens of millions annually, Amex card usage $500,000+.
    • Financial stability and personal credit/income are scrutinized.
  • Recommendations and Affiliations
    • Endorsements from existing Centurion cardholders or Amex relationship managers can enhance approval.
    • Affiliations with elite financial institutions signal credibility.
  • Payment History
    • Flawless payment history on existing Amex cards is critical.
    • Full monthly payments are mandatory as it is a charge card.
  • Credit Inquiries and History Length
    • Low number of recent credit inquiries (fewer than 5 in 24 months) and long credit history (10+ years) strengthen application.
  • Regulatory Compliance
    • Compliance with U.S. financial regulations (AML, KYC) mandatory.
    • Applicants must provide verifiable identification, financial statements, and proof of residency.
  • Financial Portfolio Diversity
    • Diversified portfolio with mix of liquid and illiquid assets preferred.
  • Advisor or Manager Advocacy
    • Strong relationship with Amex relationship manager may influence approval.
  • Application Timing
    • Timing matters; applying during periods of expansion or after sustained high spending may improve chances.
  • Philanthropic and Social Contributions
    • Applicants involved in significant charitable donations or social causes may be viewed favorably, reflecting elite social standing.
  • Technology and Security Adoption
    • Active use of Amex digital tools, such as mobile app features, contactless payments, and fraud alerts, demonstrates engagement and security awareness.
  • Global Mobility and Residency
    • Frequent residency or extended stays in multiple countries can positively influence approval due to global spending potential and network reach.

Frequently Asked Questions (FAQs) – Marriott Bonvoy Business® American Express® Card

1. What are the key benefits of the Marriott Bonvoy Business Card?
Key benefits include:
  • Earn 6X Marriott Bonvoy points on purchases at participating Marriott Bonvoy hotels.
  • 4X points at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.
  • 2X points on all other eligible purchases.
  • Free Night Award every year after card renewal (up to 35,000 points).
  • 15 Elite Night Credits annually to help you achieve Marriott Bonvoy elite status faster.
2. What is the annual fee?
The Marriott Bonvoy Business® American Express® Card has an annual fee of $125 (as of 2025; rates and fees may apply).
3. Does this card offer a welcome bonus?
Yes, new cardholders can earn a welcome bonus of 75,000 to 100,000 Marriott Bonvoy points (offer may vary) after spending a specific amount in the first few months.
4. Does the card charge foreign transaction fees?
No, there are no foreign transaction fees, making it a good choice for international business travel.
5. What Marriott Bonvoy elite status benefits are included?
Cardholders receive:
  • Automatic Marriott Bonvoy Silver Elite status.
  • Gold Elite status after spending $35,000 on purchases in a calendar year.
  • 15 Elite Night Credits annually toward elite tier qualification.
6. Can I transfer Marriott Bonvoy points to airline partners?
Yes, Marriott Bonvoy points can be transferred to over 40 airline loyalty programs, typically at a 3:1 ratio. Plus, get a 5,000-mile bonus for every 60,000 points transferred.
7. What is the value of the Free Night Award?
Each year, after your card renewal, you receive a Free Night Award valid for one night at a property worth up to 35,000 points. Some hotels allow point top-ups to book higher-tier properties.
8. Are travel protections included with the card?
Yes. The card offers:
  • Secondary car rental loss and damage insurance.
  • Baggage insurance plan.
  • Purchase protection on eligible items.
9. Is there a cap on earning points?
No, there is no cap. You can earn unlimited Marriott Bonvoy points on eligible purchases.
10. How can I redeem Marriott Bonvoy points?
Marriott Bonvoy points can be redeemed for:
  • Hotel stays at over 8,000 properties worldwide.
  • Flights through transfer partners.
  • Exclusive Marriott Bonvoy Moments experiences.
  • Shopping, gift cards, and more.