The American Express Centurion Card, known informally as the Black Card, is an invitation-only charge card issued by American Express to platinum card holders after they meet certain criteria. There are two different issues of the Centurion Card, personal and business.
In 1999, American Express introduced the Centurion Card to cater to a more affluent customer segment. The card was initially available only to selected users of the company's Platinum Card. To become a Centurion cardholder, one must meet American Express's eligibility criteria. Cardholders are required to pay an annual fee, and in some countries also an initiation fee (In the United States, the initiation fee is $7,500 in addition to the $2,500 annual fee from each cardholder). In addition to a variety of exclusive benefits, the card itself is made of anodized titanium with the information and numbers stamped into the metal (It should be noted that in some markets, the plastic version of the card is still issued, with or without the titanium card. In some locations such as in Israel, EMV "chip and pin" plastic cards which also include the ExpressPay contactless payment technology, are issued). American Express created the card line amid rumors and urban legends in the 1980s that it produced an ultra-exclusive black card for elite users who could purchase anything with it.
Availability and fees
The Centurion Card is invitation-only after an appropriate net worth, credit and spending criteria are met. American Express does not publicly disclose the requirements necessary for getting or keeping a card except that the cardholder has a substantial net worth and they are a former platinum card holder. For reference, the average Centurion cardholder has $16.3 million in assets and an annual household income of $1.3 million. There has been talk of keeping the card exclusive by maintaining an average spending requirement of $1.0 million, plus requiring that amount to be spent every year.
|United States||US$2,500 (US$2,500 for each additional card member) plus one-time joining fee of US$7,500|
|United Kingdom||GB£1,800 (US$2,813) (unlimited) plus one-time joining fee of 3906|
|Canada||CA$2,500 (US$2,427) plus one-time fee of CA$5,000 (US$4,854)|
|India||₹200,000 (US$3,413) plus one time fees of ₹250,000 (US$4,266)|
|France, Spain, Netherlands, Denmark, and Sweden||€3,000 (US$4,000)|
|Germany, Austria||€2,000 (US$2,667) plus one-time fee of €4,000 (US$5,333)|
|Switzerland||CHF4,200 (US$4,516) (unlimited)|
|Australia||A$5,000 (US$4,808) (increased from A$4,300 (US$4,135) from July 11, 2012) plus one-time fee of A$5,000 (US$4,808) from July 11, 2012|
|Japan||¥365,000 (US$3,740) (increased from ¥197,000 (US$2,018) from Jan 1st, 2008)|
|Hong Kong||HK$38,800 (US$5,000) plus one time fee of 5000 (increase from HK$19,800 (US$2,552) from May 30, 2013)|
|China (People's Republic of China)||CN¥18,000 (US$2,903) issued by China Merchants Bank(CMB) and Industrial and Commercial Bank of China(ICBC) pursuant to a license from AMEX|
|Singapore||S$7,490 (US$5,992) (unlimited)|
|Mexico||MXN 56,000 (US$4,385)|
|Saudi Arabia||SAR 11,250 (US$3,000) (unlimited)|
|International Dollar Currency Card (IDC)||US$4,000 plus one-time fee of US$4,000|
|International Euro Currency Card (IEC)||€4,000 (US$5,333) plus one-time fee of €4,000 (US$5,333)|
|Israel||US$2,043 (~₪8,000, but payment is made in US$)|
|Russia||PP 100,000 (US$3,141)|
|Taiwan||NT$160,000 (US$5,402) plus one-time fee of NT$160,000 (US$5,402)|
|United Arab Emirates||AD3,000 (US$3,000)|
|Sweden||kr 30,000 (US$4,608) plus one-time fee of 4608|
The card, available for personal and business use, offers services such as a dedicated concierge and travel agent; complimentary companion airline tickets on international flights on selected airlines with the purchase of a full-fare ticket; personal shoppers at retailers such as Dot & Vic's Gucci, Escada, and Saks Fifth Avenue; access to airport clubs; first-class flight upgrades; membership in Sony's Cierge personal shopping program and dozens of other elite club memberships.
Hotel benefits include one free night, when at least one paid night is booked during the same stay, in every Mandarin Oriental hotel worldwide once a year (except for the New York City property), and privileges at hotel chains like Ritz-Carlton, Leading Hotels of the World, and Amanresorts. All of the benefits mentioned above are for United States-issued cards. American Express Centurion Cards issued in other countries may include different benefits. The card has recently added new amenities, including access into the Gulfstream Aerospace Private Flyers Club, Virgin Atlantic Flying Club Gold, as well as US Airways Platinum Preferred and Delta SkyMiles Platinum Medallion status.
Initially it came with an extensive travel insurance all year round no matter how the trip was paid for but since 2012 this insurance is limited to trips which are paid with the card only. (In Australia, the insurance covers all trips, even if paid with another method or frequent flyer miles).
The titanium-crafted "Centurion" card was first issued as an upgrade for all plastic U.S. "Centurion" cards in the first half of 2006, with the titanium version being rolled out to certain other countries as well.
Some Centurion customers have purchased automobiles using the card or made purchases exceeding €1 million (US$1.36 million). The card has no preset limit in theory. In practice the authorization is decided upon past payment and spending patterns; the largest purchase ever made on one was $36 million for a rare porcelain chicken cup by Liu Qiqian. Many retailers object to the high commission charges on large purchases and prefer to offer a cash discount. The card is used for refueling superyachts and private aircraft where the bills can frequently exceed $100,000.
Several original Centurion program benefits have been discontinued, including:
- Continental Airlines benefits ceased in October 2011
- Starwood Preferred Guest Platinum elite benefits downgraded to Gold (from January 2006, same as Platinum card)
- Hyatt Diamond Elite benefits removed
- American Airlines Admirals Club benefits ceased March 21, 2014
Since the inception of the card, members have received a copy of Departures, which is also sent to all Platinum Card cardholders. However, in 2004, American Express Centurion members in the US began receiving an exclusive "no name" magazine, which was not available by any other means. Starting with the Spring 2007 edition, this magazine was officially titled Black Ink. The magazine is available only to individual Centurion cardholders, not to the business-edition customers. European, Asian, and Australian Centurion members receive quarterly the Centurion magazine published by Journal International GmbH (Munich, Germany). In June 2011, the Centurion magazine website was launched, offering daily updates for Centurion Card members.
According to Journal International, the average age of a Centurion reader from Europe or the Middle East is 49 years. Ninety-four percent of primary cardholders are male and they have an average of 3.3 properties. Their average household income is €653,000 and their average total net worth is €4.5million. They have an average disposable monthly income of €8,800. Centurion has been published since 2001 and has a circulation in Europe and the Middle East of 44,100, in Asia of 13,900, and in Australia of 6,000.
The Centurion Card is part of an elite credit card segment created for a very small and exclusive range of clients around the world. Other such cards include:
In popular culture
Mentions of the Centurion Card are common in the rap genre, used by those strong in the game. Possession of such a card is illustrative of a luxurious life and exclusive social group of success and fame.
Kanye West references  using a black card in his song "Last Call" on his debut album The College Dropout. Cyhi the Prynce 'can't wait to get his'  in Raekwon's "The Morning". In both of these lines, the black card is also used as a metaphor for race in addition to it being a show of wealth.
- Sullivan, Paul, "American Express’s New Service for Its Wealthiest Cardholders", The New York Times, January 24, 2011
- Lent, Robert; Selling Luxury: Connect with Affluent Customers, Create Unique Experiences Through Impeccable Service, and Close the Sale, ISBN 0470457996
- pe.pdf American Express Centurion/Departures - Media Kit, Europe & Middle East 2010
- "Black American Express Card". Snopes.com. December 6, 2006. Retrieved December 11, 2010.
- "Cardmember Agreement" (PDF). American Express. 2014-03-31. Retrieved 2014-06-18.
- "Medlemsvillkor för American Express® - Kort" (PDF). 2013-11-06. Retrieved 2014-06-18.
- American Express page about hotel benefits
- Official American Express Centurion Card Interactive Tour
- Chinese Collector Uses AmEx to Buy $36-Million “Chicken Cup”
- Scott McCartney, "The Airport Lounge Arms Race," Wall Street Journal, March 5, 2014.
- "About Us". Centurion. Retrieved 19 October 2013.
- Simon Zhen, "5 Credit Cards Most Of America Could Never Own," Business Insider, July 16, 2013.