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American Express Centurion Credit Card

American Express Centurion Credit Card


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  • Credit Needed Exceptional
  • Annual Fee $2,500 with an initiation fee of $7,500
  • Late Payment Fee $37
  • Returned Payment Fee $37
  • Foreign Exchange Fee None


  • Click "APPLY NOW" to apply online
  • This card is invitation-only, and as such it is impossible to know exactly what benefits you get with it.
  • Some rumored benefits are: access to a personal concierge and travel agent, elite status at various hotel chains, elite status on various airlines, access to Centurion airport lounges, access to premium car rentals 

Expert Reviews

From the Editorial Team

Legend has it that this rather secretive plastic is really made from durable titanium. Whatever it’s made of, the benefits and VIP amenities are solid gold.

Expert Reviews of the American Express Centurion Credit Card

  • 0.0

    Regular APR

  • 0.0

    Intro APR

  • 1.0


  • 5.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

For those who spend extraordinary amounts of money and want a credit card that matches their super-affluent lifestyle, this may be the one – despite the uncommon and pricey initiation charge and annual fee.

The Good

There are no foreign transaction fees, but that’s not even a drop in the ocean of the value associated with this top-drawer card. Unfortunately for outsiders, Amex is very guarded about revealing the actual amenities and VIP perks that come with card membership. But usually with these high-flying status symbol cards the benefits include your own personal concierge service and the ability to earn fabulous rewards and be treated to VIP discounts and upgrades on luxury lodging and travel – including on private jets.

The Not So Good

There is a $7,500 “initiation fee” for new cardholders, plus a recurring $2,500 annual membership fee. 

Disclaimer: This content is not provided by the card issuer. Any opinions, analyses, reviews or recommendations on this page have not been reviewed, approved or otherwise endorsed by the card issuer. Terms, offers, conditions and rates were correct at the time of writing but may have changed since and not been updated on this page. For up-to-date terms, offers, rates and conditions, please see the issuer’s site.

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