The American Express Black Card, officially known as the Centurion Card, is one of the most exclusive credit cards in the world. It is not available by direct application but is offered by invitation only to select individuals who meet high annual spending thresholds and demonstrate significant financial stability. The card is made of titanium and comes with unmatched luxury perks, including elite travel benefits, personal concierge services, and access to VIP experiences.
How to Get the American Express Black Card
Requirement
Details
Invitation Only
You cannot apply directly; Amex invites selected users
Annual Spend Requirement
Estimated $250,000 to $500,000+ on an Amex card
Initiation Fee
Around $10,000 (one-time)
Annual Fee
Around $5,000
Credit Score
Excellent (typically 800+)
Existing Relationship
Must already be an Amex cardholder with high usage
Key Specifications
Feature
Description
Card Material
Made of Titanium
Card Network
American Express
Spending Limit
No preset limit (varies by account and use)
Integration
Works with Apple Pay, Google Pay, Samsung Pay
Security
EMV chip, contactless payment, fraud protection
Exclusive Benefits
Category
Perks
Travel
Airport lounge access, upgrades, and luxury hotel privileges
Concierge
24/7 global concierge service for travel, dining, and events
Shopping
VIP access to luxury brands, invitations to private sales
Insurance
Premium travel, rental, and purchase protections
Lifestyle
Event access, private club memberships, and personal services
Additional Highlights
Often held by billionaires, celebrities, and CEOs
Represents financial power and exclusivity
Includes access to “By Invitation Only” experiences
Cardholders receive dedicated Amex representatives for personal support
