🏦 How to Get an American Express Centurion Card: A Comprehensive Guide
If you're looking for the most exclusive credit card in the world, look no further than the American Express Centurion Card, also known as the "black card." This card is reserved for the highest-spending, wealthiest people on the planet, with a $10,000 initiation fee and a $5,000 annual fee. While the price tag may seem steep, many cardholders justify keeping this card for the insane luxury benefits it offers, such as having your own personal concierge line and exclusive access to services unlike anything else. In this article, we'll take a closer look at what you can do to get an AMX Centurion Card, including the benefits it offers and the requirements you need to meet.
Table of Contents
- Introduction
- How to Qualify for an AMX Centurion Card
- Have a Good Relationship with American Express
- Spend a Consistent Amount Every Month on One Card
- Pay Your Card Off in Full Every Single Month
- Improving Your Odds of Getting Invited
- Get an AMX Platinum Card
- Update Your Income
- Meet the Minimum Spend Requirement
- What Does a Centurion Card Get You?
- Hotel Benefits
- Car Rental Insurance
- Airport Benefits
- Concierge Service Line
- Is It Worth It?
- Conclusion
- FAQs
How to Qualify for an AMX Centurion Card
Getting an invitation to apply for an AMX Centurion Card is no easy feat. However, there are a few things you can do to improve your chances of getting invited.
Have a Good Relationship with American Express
The first thing you need to do is have a good relationship with American Express. This means becoming a cardholder for at least one year, spending a consistent amount every month on one card, and making sure you're paying that card off in full every single month. By doing those three things, you can qualify to maybe one day get invited for this elite tier card.
Spend a Consistent Amount Every Month on One Card
The most important aspect comes down to how much you can spend on your American Express account and how well you can consistently pay it off. It's not just about spending a lot of money; it's about spending a consistent amount every month on one card and paying it off in full every single month. If you're not paying off the balance on your card, you can forget your chances of getting that invitation.
Pay Your Card Off in Full Every Single Month
One actionable step that a lot of people tend to overlook is the fact that if you get an AMX Platinum Card and put all your expenses on this card, it will raise your odds significantly. However, it's important to remember that you need to pay your card off in full every single month.
Improving Your Odds of Getting Invited
If you're serious about improving your odds of getting invited to apply for an AMX Centurion Card, there are a few things you need to know.
Get an AMX Platinum Card
The first thing you should do is get an AMX Platinum Card. This card is not as exclusive as the Centurion Card, but it offers many of the same benefits, such as hotel status, airport lounge access, and concierge service. By becoming a Platinum Card member, you can start building a relationship with American Express and improving your chances of getting invited to apply for a Centurion Card.
Update Your Income
Another thing you should do is update your income on your American Express account. Your income, credit, and payment history are all additional factors that contribute to you getting invited for the card. American Express specifically states on their website in their terms and conditions that if you want to get accepted for the Centurion Card, you need to have an annual income of over $250,000 a year.
Meet the Minimum Spend Requirement
According to most sources, American Express actually requires that you need to spend a minimum of $250,000 a year to get invited for the Centurion Card. However, recent data points show that even spending a million dollars a year for multiple years may not be enough. The actual requirement is not known, but the longer you've had an American Express card, the lower your annual spend requirement might be.
What Does a Centurion Card Get You?
The benefits of having an AMX Centurion Card are numerous and exclusive. Here are just a few of the benefits you can expect:
Hotel Benefits
With the Centurion Card, you get status at different hotels, including Hilton Diamond status, Marriott Gold status, and IHG Platinum Elite status. You also get immediate room upgrades when booking through the Centurion Hotel program, which is an exclusive travel portal similar to American Express Fine Hotels and Resorts.
Car Rental Insurance
The Centurion Card is also one of the best credit cards for car rental insurance. If your car is lost, stolen, or damaged, you can get a lot of that money recovered. You also get 24/7 premium roadside assistance with up to four complimentary services per year.
Airport Benefits
The Centurion Card offers many airport benefits, including a Clear membership, access to private sections of the Centurion Lounge, and exclusive service at 32 partner airports. You also get a free Equinox all-access gym membership, a Saks Fifth Avenue credit, and 30X on the flights that you book using this card.
Concierge Service Line
Perhaps the most exclusive benefit of having a Centurion Card is access to the concierge service line. This service can help you with anything from booking a reservation in a booked-up restaurant to sending someone a gift that's hard to buy. They can even get you access to things that seem impossible.
Is It Worth It?
Whether or not the Centurion Card is worth it is entirely up to you. If you're at the point where they're inviting you, chances are money is not an issue at all, and these are going to be additional benefits that make your life a lot easier. However, if you're a regular everyday Joe like myself, the Platinum Card is a great alternative that offers many of the same benefits at a lower cost.
Conclusion
The American Express Centurion Card is the most exclusive credit card in the world, reserved for only the highest-spending, wealthiest people on the planet. Getting an invitation to apply for this card is no easy feat, but by following the steps outlined in this article, you can improve your chances of getting invited. Whether or not it's worth it is entirely up to you, but the benefits of having a Centurion Card are numerous and exclusive.
FAQs
Q: What is the American Express Centurion Card?
A: The American Express Centurion Card, also known as the "black card," is the most exclusive credit card in the world, reserved for only the highest-spending, wealthiest people on the planet.
Q: How do I qualify for an AMX Centurion Card?
A: To qualify for an AMX Centurion Card, you need to have a good relationship with American Express, spend a consistent amount every month on one card, and pay your card off in full every single month.
Q: What are the benefits of having an AMX Centurion Card?
A: The benefits of having an AMX Centurion Card are numerous and exclusive, including hotel benefits, car rental insurance, airport benefits, and access to the concierge service line.
Q: Is the Centurion Card worth it?
A: Whether or not the Centurion Card is worth it is entirely up to you. If you're at the point where they're inviting you, chances are money is not an issue at all, and these are going to be additional benefits that make your life a lot easier. However, if you're a regular everyday Joe like myself, the Platinum Card is a great alternative that offers many of the same benefits at a lower cost.
