The Centurion Card from American Express® comes with an initiation fee of $7,500 and an annual membership fee of $2,500.
You can’t apply for this card. It is invitation-only.
Check out our blog post about the Centurion Card from American Express.
Confused about all the different amounts listed on your credit card bill? Read our guide to paying credit cards here.
- Annual Fee $2,500
- Intro Purchase APR -
- Regular Purchase APR Not Applicable - Paid in Full Monthly
- Earn 1 point for every $1 spent as part of the Membership Rewards First Program
- Signup Bonus None
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee $0
- Intro Balance Transfer APR Not Applicable for Not Applicable
- Regular Balance Transfer APR See Terms
- Cash Advance APR See Terms
- Penalty APR See Terms
- Late Fee Up to $38 or 2.99%, whichever is greater
- Returned Payment Fee Up to $38
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- Free Access is granted to The Centurion Lounge
- Preferential treatment at select restaurants, hotels, airlines, and auto rentals.
- Secret Benefits: The majority of the benefits are kept secret by American Express, but they include exclusive access to rare events as well as certain discounts and upgrades.
- You can also consider the basic benefits that come with other American Express cards.
American Express Benefits
- This card comes with American Express benefits. You will be provided with a list of specific benefits when you get your card.
Read about experiences others have had with this card and leave your own review here.
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I've had the Centurion card for a few years now, and there are lots of benefits that are worthy of awe. The points rewards system is 3 points per $1 AUD, except for overseas purchases, which are 3x3 points. There are many free benefits like top-tier memberships to almost all hotel and car rental programs (I have 6 loyalty cards through this) and invitations to monthly exclusive events.
However, the exclusive events mostly have a premium cost, their concierge and lifestyle assistance will book flights and hotels often with no discount (sometimes even with extra fees!) - and recently I have ended up doing my own bookings for flights etc. as I want to save money.
They have made mistakes (once booking a flight to Dublin instead of Dubai) and missed offering me specials that I later found out about - so the Centurion service is not really much better than Amex Platinum service.
I don't think it's worth the $5000 AUD annual fee - if it was $1000 then it would be better.
But, I did earn enough points from a single purchase of $122,000 that meant I could get return business class tickets from Sydney to London and a stay in the Savoy hotel - for free.
It's also very cool when people are amazed at the weight and thickness of the titanium card - it often draws comments and questions.