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Q: I’ve heard rumors of a Titanium credit card. Is there such a thing?
A: Most consumers are fortunate to qualify for American Express’s Platinum Card. This card comes with a host of benefits, and also an expensive annual fee of $450. But for some consumers, even this card isn’t prestigious enough: Enter the Titanium Card.
Actually, the Titanium Card is officially known as the Centurion Card. American Express began offering this dark black card in 1999. You can blame urban legends for this.
Before American Express began offering this card, rumors were circulating that the company had a secret black — or titanium — card that came with unprecedented spending power, and that only the elite of the elite qualified for it.
This rumor was false. But American Express, no dummy when it comes to marketing, decided to capitalize on the rumors by actually offering this elite-level card.
Are you interested in the Centurion Card? Good luck. You can’t apply for it. Centurion-level membership is invitation-only. You’ll need to have amassed some serious wealth to get it. American Express is close-mouthed about all this; it doesn’t publicize the requirements for earning this card. According to rumors circulating around the Internet, though, you’ll need to cough up a $2,500 annual fee and a one-time joining fee of $5,000 to get this most powerful of credit cards.