American Express Black Card

Key Takeaways:

  • There are around 17,000 Black cardholders in the U.S.
  • This is a no-limit credit card.
  • Cardholders are excepted on an ‘invite-only basis.

The Centurion Black Card from Amex may be a myth to most people. Still, to the few elites who receive the card, it is the key to unlocking some of the world’s most luxurious perks.

There is much secrecy about the Black Card and what it offers.

Image result for amex black card

This article will delve into what the public knows about getting the coveted AMEX Black Card, a bit of the history, and the perks that come along with the card.

If you want to get an American Express Black Card, also known as the Centurion Black card, keep reading and find out if you are close to being ‘invited.’

The History of The Centurion Black Card from AMEX

The urban legend started in the 90s when a new credit card was available to the mega-rich in popular social scenes.

Rumour had it that the card was ‘invite-only.’ This card would allow the wealthiest of the wealthiest to make purchases, regardless of how large the total came to… put simply- a no-limit credit card.

Back in the day, it was merely a tale, until American Express picked up the idea and formed what we now know today as the AMEX Centurion Black Card.

How To Get An AMEX Black Card

Rumors estimate that in total there are only approximately 17,000 black cardholders in the entire world.

You can imagine getting selected into their invite-only program is extremely difficult, especially since there is no American Express Black card limit.

But depending on you and your spending habits, an invite may be closer than you would expect.

There are two types of Centurion Black Card by Amex – Personal and Business.

What we do know about the American Express Black Card requirements is that you have to spend at least $350k a year on your Black American Express Card to qualify, among others.

The AMEX Black Card for Business might be more attainable for some people since the spending requirements (in addition to pre-qualifiers) is $500k a year on your AMEX Cards.

Seeing that this is a business card, it does rather make sense as something a little more attainable to people since business expenses are counted towards the baseline requirement.

Pre-Qualifiers For The Amex Centurion Black Card

So from what we can find out, you need to spend at least $350k personally to qualify for the Black Amex Card or $500k annually for the Business card, but what other pre-qualifiers are there to ensure an invite?

Further information isn’t directly disclosed; however, American Express is a business like any other.

They want to do business with people who have a solid track record of good spending habits.

Factors that go into your credit score most likely are taken into account.

It is rather safe to say they are looking at your credit history, your ability to make repayments, and your credit score with a low total credit utilization rate before extending this offer to you.

Don’t qualify? Consider the American Express Platinum Card instead.

Perks of an American Express Black Card

The perks of having a Black Card are as tangible as they are ambiguous.

The Black AMEX Card offers members the ability to enjoy bespoke perks or perks that are 100% custom-tailored to their spending habits and lifestyle.

Some of those perks they will already be accustomed to are from the American Express platinum card.

Hotels and Airline Services

Speculation is that the Black Card gets you SPG Gold status, Hilton Diamond status, and IHG Platinum Elite status for hotels; the top tier membership levels at most prominent and recognized hotels in general.

The Centurion also gives you Delta Airlines Platinum Medallion status, something you normally have to fly over 75,000 miles and spend over $9,000 on tickets in a single year to be eligible for this status with Delta.

You also receive other special American Express Black Card benefits from the Centurion Hotel Program, places like Aman Resorts, Belmond, Mandarin Oriental, Oetker Collection, The Peninsula, St Regis, and Rosewood, to name a few.

The card offers the ability to status match other airlines and hotel programs because of your good standing with all the ones Centurions includes for you.

You’re virtually guaranteed elite level statuses at any hotel, any airline, car rental services, and more.

Black Card Service Valet

What makes this card stand out the most and creates the most appeal is their customer service, which you will soon learn justifies the high entry barrier.

In currently over 30 international airports, when you land, a Black Card Service Valet (representative) will help you collect your bags, escort you through immigration and security, and help orchestrate transportation for you to your travel destination at an expedited rate.

Cardholders are given access to all the airport lounges available in the AMEX Platinum Collection and receive the benefit of never being turned down at a Centurion lounge.

Centurion lounges also reserve top-shelf premium drinks for Black Card cardholders, saved just for you if you check in.

Centurion Concierge Service

Some people are familiar with the American Express Platinum Concierge Service to help you get tickets to sold-out shows and exclusive invite-only events. But when you’re a Black Card member, your wish is their command, and for the most part, it just gets done at a higher level.

There are stories AMEX invitees are familiar with that display the lengths AMEX will go to keep you as a satisfied business partner.

When invited, AMEX sends you a package that reads- “you’re invited”

  • Find the right credit card here.

How Much does the Black Card Cost Annually?

As disclosed on their website, the American Express Black Card fee to become a member is $7,500, and a $2,500 annual fee after that.

Additional cards also cost $2,500.

A word from the rumor mill is that there are targeted 180k point sign-up bonuses if you hit the $20k spend within a specific time frame, but afterward, points drop to 1 MR point per dollar spent.

However, the purpose of the AMEX Black Card really is not meant to be a bonus point card.

How to Get The Most Value Out Of The Centurion Black Card

The real purpose of the AMEX Black Card is not meant to be a travel card. It’s meant to be an access pass to the .0001% of people.

It’s also meant to serve as a status symbol at airports, hotels, and other places to serve and help accommodate you in the best way they possibly know-how.

With exclusive invite-only events, the value out of this card is also the network you can access in a new way. Imagine receiving an invitation to a private “Black Card Member Only” event if you’re a music producer.

You meet Arianna Grande there… obviously, the value is not going to be in the “free flights” you generate on the card but the hands you’re able to shake.

Final Thoughts on The Black Card

This information is not meant to serve as a guarantee on how to get the card, it’s only speculation from people that have received the card, and what they all had in common and were kind enough to share publically with others in the public domain.

Rest assured, the Black Card is not a myth but is only attainable if you have the right strategy, income, credit score, and social status. 

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    AuthorMichael Villari

    Michael from has had experience repairing credit for individuals and helping others grow their businesses through high-level consulting. Michael's mission is to be your friend in finance.

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    Last Updated: April 1, 2022

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