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American Express Centurion Card AKA the Black Card

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Highlights

  • The Amex Centurion, AKA the Black Card, is made from anodized titanium.
  • It's a charge card with no interest rate (since you must pay off the balance in full each billing period), no pre-set spending limit, and no foreign transaction fees. 
  • Requires a one-time initiation fee of $5,000 and a $2,500 annual fee – the highest fees of any credit card on the market.
  • Earns Membership Rewards points, one point per dollar spent.
  • Includes numerous exclusive, concierge-style perks like guaranteed tables at three-star restaurants, priority bookings at luxury hotels, and invitations to private cultural events.
  • In order to maintain Centurion membership, a cardholder is expected to make and pay off at least $250,000 worth of purchases a year.

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% N/A $2,500 Annual Fee; $7,500 Initiation Fee Minimum Payment Due within 60 days after its Payment Due Date, or penalty APR is applied to those balances it does not already apply to.
  • Purchase Intro Period: N/A
  • Balance Transfer Intro Rate: Minimum Payment Due within 60 days after its Payment Due Date, or penalty APR is applied to those balances it does not already apply to.
  • Balance Transfer Rate: N/A
  • Cash Advance Rate: N/A
  • Late Fee: Up to $35. However, if your account does not have a Pay Over Time feature or balance and you do not pay for two billing periods in a row, your fee will be $35 or 2.99% of the past due amount, whicheve
  • Cash advance Fee: N/A
  • Balance Transfer Fee: N/A
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

American Express Centurion Card AKA the Black Card Review

The American Express Centurion card, AKA the Black Card, is THE status symbol as far as credit cards are concerned. When you absolutely, positively got to impress every motherfucker in the room, accept no substitutes.

The Black Card requires a one-time "initiation fee" of $7,500 and a $2,500 annual fee, the highest fees of any credit card on the market. 

Furthermore, in order to maintain Centurion membership, a cardholder is expected to make and pay off at least $250,000 worth of purchases a year.

If you can afford it, sure, go for it. If you're not sure you can afford it, you probably can't, in which case, consider getting something more practical, such as a rewards card with no annual fee. The privilege of owning a debt instrument shouldn't cost an arm and a leg.