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Q: I’ve heard rumors of the Centurion card, a high-end card offered by American Express. I’d love to apply for it. How do I do this?
A: You won’t like this answer, but here it is: You can’t apply for the Centurion card. It’s invitation only.
American Express offers the Centurion card — also known as the black card — to its top customers. What qualifies someone for this answer? That’s the real question. And few people outside American Express know the answer. American Express, for its part, isn’t sharing.
Know this, though: Don’t expect to be offered a Centurion card unless you’re already an American Express member in good standing. And don’t expect one of these cards if your credit score isn’t amazing.
Of course, you could be the best American Express client in the country and still not receive an invitation for the Centurion card. It’s a very secretive process.
This card isn’t cheap, either. According to published reports, the Centurion Card in the United States comes with an annual fee of $2,500. You’ll also have to pay a one-time joining fee of $5,000. And you thought the American Express Platinum Card, with its $450 annual fee, was costly?
Here’s the point: Don’t waste your time waiting for a Centurion card invitation to fall into your lap. The odds are good that you’ll never get to slip one of these cards in your wallet.