--> --> The Elusive Amex Black Card ‒ What To Know About The Amex Centurion Credit Card | creditcardGenius --> --> -->   App Exclusive: $150 GeniusCash on a card with unreal cash back! Download Now × 5 Hello! Sign In $150 Cash Back Compare Credit Cards Compare Credit Cards Compare Credit Cards Find Your Credit Card Quick Compare Top Credit Card Deals No Fee First Year Free Credit Card Quiz By Type Rewards Low Interest Balance Transfer Business Student Prepaid By Rewards Cash Back Travel Air Miles Aeroplan Store Grocery Reviews American Express Cobalt: Award-Winning. Limit-Pushing. Unmatched. BMO Ascend World Elite: Travel Rewards Reach New High American Express Gold Rewards: Your Ticket to Luxury TD® Aeroplan® Visa Infinite: Your Best Card for Air Canada Perks MBNA Rewards World Elite: Canada's Best Kept Secret BMO AIR MILES®† Mastercard: Groceries today. Getaways tomorrow. GeniusCash credit cards = more cash in your pocket! 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Hard Credit Check How To Protect Your Credit Score Must Read Best Instant Approval Credit Cards ‒ From No Credit To Excellent Credit Credit Cards For Bad Credit Secured Credit Cards Tangerine Money Back Credit Card KOHO Prepaid Mastercard Review Credit Card Quiz creditcardGenius Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. Click to read our detailed disclosure . Our disclosure Your Guide To The Elusive Amex Black Card Written by creditcardGenius Team   updated on Apr 16, 2025 Fact Checked Fact Checked Accuracy is important to us so this article has gone through a thorough 3-stage review process and fact-checked by our team. The American Express Centurion credit card – commonly known as the Amex Black Card – is an invitation-only, super-premium credit card for the elite of the elite. Because the card is invitation-only, Amex doesn’t provide a lot of public information about rates and benefits. Getting one of those rare invites is the best way to learn everything there is to know about the card. We’ll dive into what we do know, plus highlight some alternatives that you’re more likely to qualify for. Key Takeaways The Amex Black Card is a highly exclusive credit card that is available by invitation only. In addition to a $10,000 initiation fee, there is reportedly a $5,000 annual fee. The extensive list of perks and benefits may help offset the annual fee, including no spending limits and super-premium airline and hotel perks. The best alternative to the Black Card: American Express Platinum ® Card Learn More In this article Show table of contents What it is Eligibility Benefits How to get one Are they worth it? Alternatives FAQ Never miss an amazing deal again + get our bonus 250+ page eBook for FREE . Join 50,000 other Canadians who receive our weekly newsletter – learn more . What is the Amex Black Card? The Amex Black card is, without a doubt, the most prestigious American Express card – and it’s incredibly difficult to get. This card is for people who don’t care about interest rates, late fees, or billing cycles. It’s essentially a status symbol for Amex’s top-earning (and spending) customers. This rewards credit card offers luxurious services and benefits, but the trade-off is an astronomical annual fee. Amex Black Card eligibility requirements The actual eligibility requirements for the Centurion card remain a mystery – but there is a specific profile that makes you more likely to receive an invitation: High income and net worth Spending of at least $500,000 per year on existing Platinum Card Impeccable credit score There is reportedly a one-time sign-up fee of $10,000 and an annual fee of $5,000. These rules are not listed anywhere, nor are they set in stone. Even if you meet the quantitative requirements, you may need to undergo an interview to see if you qualify. Benefits of the Amex Black Card The Amex Centurion Credit Card is a luxury card with similar perks and benefits to the publically available American Express Platinum Card . The overall value of the Black Card isn't necessarily leaps and bounds ahead of the Platinum Card – but it’s definitely more exclusive. If you have one of these anodized titanium cards, it's a signal to the world that you've got money and prestige. The Amex Black card has no set spending limits – one of the most notable purchases made on an American Express Centurion Credit Card was a $170 million painting. Here’s what else sets the Black Card apart. Airline rewards include: Free status upgrades on top airlines around the world Free seat selection, priority check-in, baggage delivery, and limo services Complimentary companion airline tickets and first-class flight upgrades with the International Air Program Access to the Global Lounge program $200 airline fee credit Centurion International Arrival Services $85 credit for Global or TSA PreCheck Application Free in-flight Wi-Fi After touching down at your destination, you'll continue to live in the lap of luxury with Amex's best-in-class hotel benefits : Elite status at hotel groups, including IHG Platinum benefits and Marriott Bonvoy Gold Centurion Hotel Program Amex Fine Hotels & Resorts And then there are the perks that help level up an already-5-star trip: 24/7 concierge service Premium benefits on luxury cruise lines and tours Avis President's Club, Hertz #1 Club, and Elite Rent-A-Car benefits Exclusive offers from luxury brands through the Centurion Shopping Program American Express Front of the Line How do you get an Amex Black Card? The only way to get the coveted Black Card is to be officially invited by Amex. There is no application fee and you can’t submit a request to be considered. If you’re eligible, Amex will get in touch. Are Amex Centurion cards worth it? Amex doesn’t advertise much about its elusive Black Card, but cardholders on the Flyer Talk forum spilled the beans about what you get with the card. In many cases, reviewers brought up all of the perks and benefits that are no longer offered. Spoiler: there are quite a few. Many cardholders feel that the perks have been diluted over the last decade. Here are a few of the perks that have been lost: or the Air Canada lounge pass. Here are just a few more ways the program has changed: No more complimentary CX Diamond Status for oneworld airlines No Shangri-La status at luxury hotels No Air Canada loungepass Changes and some discontinuation to limousine travel service Discontinuation of select tour and vacation benefits Discontinuation of the Cruise Privileges Program Another sticking point is the perks that U.S. cardholders get that Canadians don’t. For instance, American cardholders get access to exclusive events and luxury hotel benefits. These changes, coupled with the poor customer service that some cardholders experienced after hours, have us rethinking the value of the Black Card. As one cardholder put it, "Paying for Canadian Centurion is now really just an ego exercise." Amex Black Card alternatives Although these cards aren't quite as prestigious as the Centurion, they come with some of the best perks in Canada – and some of the highest fees. Black Card alternative Annual fee and income requirement Income requirement Current offer and standout features American Express Platinum Card * $799 * No income requirement * Up to 100,000 bonus points ( terms ) * $200 annual travel credit * International Airline Program * Automatic hotel Elite status in multiple programs * Card crafted in metal American Express Aeroplan Reserve * $599 * No income requirement * Up to 85,000 bonus points ( terms ) * Free checked bags on Air Canada * Priority services with Air Canada * Unlimited access to Maple Leaf lounges when travelling with any Star Alliance carrier * Metal card BMO eclipse Visa Infinite Privilege * $599 * $150,000 personal or $200,000 household income * Up to 120,000 bonus points ( terms ) * $200 annual lifestyle credit * 25% bonus points when an authorized user is added to the account * Visa Airport Companion membership and 6 free passes * Visa Infinite Privilege benefits at Vancouver, Ottawa, Toronto-Billy Bishop and Montreal-Trudeau International airports * Metal credit card RBC Avion Visa Infinite Privilege * $399 * $200,000 personal or household income * Up to 70,000 bonus points ( terms ) * Visa Airport Companion membership and 6 free passes * Visa Infinite Privilege benefits at Vancouver, Ottawa, Toronto-Billy Bishop and Montreal-Trudeau International airports Scotiabank Platinum American Express * $399 * $12K personal income * Up to 60,000 80,000 bonus points ( terms ) * 10 lounge passes to Priority Pass and Plaza Premium lounges * Hertz #1 Club Gold membership American Express Gold Rewards * $250 * No income requirement * Up to 60,000 bonus points ( terms ) * $100 annual travel credit * 4 free passes annually to Plaza Premium lounges in Canada * Priority Pass membership (no free passes) * Metal card in your choice of colour American Express Platinum Card American Express Platinum ® Card 4.7 Genius Rating 2.7 (16) User reviews ×2 Award winner 100,000 bonus points + The most perks of any credit card. * Annual fee See rates Learn more Welcome bonus $600 ◊ 30,000 points Annual rewards $588 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: American Express Platinum ® Card 4.7 Genius Rating 2.7 (16) User reviews 2x Award winner 100,000 bonus points + The most perks of any credit card. * Annual fee See rates Learn more Welcome bonus $600 ◊ 30,000 points Annual rewards $588 ◊ Learn more Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The American Express Platinum Card has to be the best attainable alternative for those who can't qualify for the Black Card – it has no income requirements and delivers an earn rate of up to 2 points for every $1 spent. You’ll also get free global lounge access, travel discounts, and elite travel/hotel status. It’s been our pick for the best credit card for perks for 2 years in a row. Why we like it: Up to 100,000 welcome bonus points More perks than any other Canadian credit card $400 annual travel and dining credits Travel upgrades, valet and parking service discounts, and priority security screening 11 types of insurance included Things to note: Lower acceptance as an American Express High annual fee of $799 American Express Aeroplan Reserve Card American Express ® Aeroplan ® * Reserve Card 3.9 Genius Rating 3.1 (9) User reviews Earn up to 85,000 Aeroplan ®* points + Air Canada benefits. * Annual fee See rates Learn more Welcome bonus $1,700 ◊ 85,000 points Annual rewards $669 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: American Express ® Aeroplan ® * Reserve Card 3.9 Genius Rating 3.1 (9) User reviews Earn up to 85,000 Aeroplan ®* points + Air Canada benefits. * Annual fee See rates Learn more Welcome bonus $1,700 ◊ 85,000 points Annual rewards $669 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons If you’re looking for a premium Amex card with lots of flight perks, the American Express Aeroplan Reserve Card might be the right choice. You’ll enjoy a free checked bag, priority status when flying Air Canada, unlimited Maple Leaf Lounge access when flying with any Star Alliance member, and a worldwide companion voucher on Air Canada when you spend $25,000 annually. Why we like it: Up to 85,000 welcome bonus points Up to 3 points per $1 on purchases and travel $200 annual travel and dining credits Travel upgrades and lounge access 11 types of travel insurance included Things to note: High annual fee of $599 Lower acceptance as an American Express Only high value redemptions are Air Canada flights BMO eclipse Visa Infinite Privilege Card BMO eclipse Visa Infinite Privilege * Card 3.3 Genius Rating 3.0 (6) User reviews Earn up to 120,000 points + 5x points + $200 annual lifestyle credit. * Annual fee $599.00 Learn more Welcome bonus $335 ◊ 50,000 points Annual rewards $450 ◊ Offer Ends: Jan 31, 2026 Apply Now Learn More Instant approval: Yes Credit estimate: BMO eclipse Visa Infinite Privilege * Card 3.3 Genius Rating 3.0 (6) User reviews Earn up to 120,000 points + 5x points + $200 annual lifestyle credit. * Annual fee $599.00 Learn more Welcome bonus $335 ◊ 50,000 points Annual rewards $450 ◊ Offer Ends: Jan 31, 2026 Credit estimate:  (560 - 659) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons The BMO eclipse Visa Infinite Privilege Card is one of our favorites for rewards – you’ll earn up to 5x BMO rewards points for every $1 spent along with a generous welcome bonus. This Visa continues to reward you with a $200 annual lifestyle credit, and you get perks like a Visa Airport Companion membership with 6 free passes. Why we like it: Up to 120,000 welcome bonus points Visa Infinite Privilege benefits at Vancouver, Ottawa, Toronto-Billy Bishop, and Montreal-Trudeau International airports Access to the Visa Infinite Luxury Hotel Collection Complimentary 24/7 Visa Infinite Privilege concierge 12 types of insurance included Save up to 7 cents per litre at Shell Things to note: High income requirements of $150,000 personal or $200,000 household Low point value of 0.67 cents per point High annual fee of $599 RBC Avion Visa Infinite Privilege RBC Avion Visa Infinite Privilege 5.0 Genius Rating 3.1 (35) User reviews ×1 Award winner Annual fee $399.00 Learn more Welcome bonus $1,751 ◊ 70k points + $120 Annual rewards $699 ◊ Learn more Apply Now Learn More RBC Avion Visa Infinite Privilege 5.0 Genius Rating 3.1 (35) User reviews 1x Award winner Annual fee $399.00 Learn more Welcome bonus $1,751 ◊ 70k points + $120 Annual rewards $699 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Another Visa Infinite Privilege card to take a look at is the RBC Avion Visa Infinite Privilege . While it’s RBC’s premium card, it doesn’t have the luxurious perks that define the Black Card. That said, you’ll enjoy Visa rewards like access to travel and hotel upgrades. Plus, this card has one of the lowest annual fees on our list. Why we like it: 3 cent per litre discount on fuel at Petro Canada 20% bonus Petro Points and RBC Rewards on Petro Canada purchases 50 Be Well points per $1 spent when shopping at Rexall Up to 70,000 welcome bonus points Includes 12 types of insurance Things to note: Only earns 1 point per $1 spent on most purchases Poor rewards if not redeemed through the Air Travel Redemption Chart Income requirements of $60,000 personal or $100,000 household Scotiabank American Express Platinum Card Scotiabank American Express ® Platinum Card 3.2 Genius Rating 2.8 (5) User reviews Annual fee $399.00 Learn more Welcome bonus $800 ◊ 80,000 Scene+ points Annual rewards $480 ◊ Offer Ends: Jan 1, 2026 Apply Now Learn More Scotiabank American Express ® Platinum Card 3.2 Genius Rating 2.8 (5) User reviews Annual fee $399.00 Learn more Welcome bonus $800 ◊ 80,000 Scene+ points Annual rewards $480 ◊ Offer Ends: Jan 1, 2026 Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Scotiabank also issues a premium Amex card called the Scotiabank American Express Platinum Card . It includes a generous welcome bonus and earn rate of up to 2 points for every $1 spent on purchases. This card is also ideal if you travel regularly as it has no foreign exchange fees. Why we like it: Welcome bonus of up to 80,000 points 10 airport lounge passes to Priority Pass and Plaza Premium Lounges 12 types of insurance included Hertz #1 Club Gold membership 4 ways to redeem points for high value Things to note: Annual fee of $399 Lower acceptance as an American Express American Express Gold Rewards Card American Express ® Gold Rewards Card 3.8 Genius Rating 4.2 (20) User reviews Up to 60,000 Welcome Bonus Membership Rewards ® points. * Annual fee See rates Learn more Welcome bonus $1,200 ◊ 60,000 points Annual rewards $708 ◊ Learn more Apply Now Learn More Instant approval: Yes Credit estimate: American Express ® Gold Rewards Card 3.8 Genius Rating 4.2 (20) User reviews Up to 60,000 Welcome Bonus Membership Rewards ® points. * Annual fee See rates Learn more Welcome bonus $1,200 ◊ 60,000 points Annual rewards $708 ◊ Learn more Credit estimate:  (660 - 724) Apply Now Learn More Instant approval: Yes Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons Show More Rewards Details & Eligibility Genius Rating User Reviews Pros & Cons To round out our list, let’s add one more Amex card with great rewards: the American Express Gold Rewards Card . It has one of the lowest annual fees on our list but still includes an annual $100 travel credit and 4 free Plaza Premium Lounge passes in Canada. If you liked the Amex Black Card’s metal feature, you’ll also appreciate that this card is made of metal – and you get to choose the colour. Why we like it: Up to 60,000 welcome bonus points Earn up to 2 points for every $1 spent on purchases 4 ways to redeem points for high value 11 types of insurance included Things to note: Annual fee of $250 Lower acceptance as an American Express FAQ How do you qualify for a black Amex card? Amex is pretty secretive about the Amex Black Card's requirements but it's generally accepted that you'll need to show high levels of spending on an Amex Platinum card – we’re talking around $500,000 per year. Plus, you’ll need a high net worth and a pristine credit score to score an invite. Why is the Amex Black Card so special? Most of what makes this card so unique is the elite status it offers. Since you can’t just submit an application and get approval, you’ll only get it by exclusive invitation from American Express. It comes with perks that are similar to other premium credit cards, but this card looks different – it’s made of hefty anodized titanium instead of plastic. Does the Amex Black Card have a limit? There’s no pre-set limit on the Amex Black Card, but since it’s a charge card, you must pay the balance off each month. How many people have the Amex Black Card? Although no exact figures are available, it’s thought that there are about 100,000 Amex Black card holders globally. Of those, experts believe about 20,000 are in the United States. creditcardGenius is the only tool that compares 126+ features of 227 Canadian credit cards using math-based ratings and rankings that respond to your needs, instantly. Take our quiz and see which of Canada's 227 cards is for you. Did you find this article helpful? Yes No Editorial Disclaimer : The content here reflects the author's opinion alone. No bank, credit card issuer, rewards program, or other entity has reviewed, approved, or endorsed this content. For complete and updated product information please visit the product issuer's website. Our credit card scores and rankings are based on our Rating Methodology that takes into account 126+ features for each of 227 Canadian credit cards. Hot Credit Card Deals This Month Hot Credit Card Deals This Month: Get even more cash back with exclusive offers only available on the GeniusCash app Explore bigger GeniusCash offers that you won't find anywhere else. Connect your credit cards and unlock bonus cash on your spending that you won't get anywhere else. Explore customized recommendations to help you find the best products to level up your rewards. Be the first to know about new, limited-time GeniusCash offers so that you never miss a deal. 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You can get a 0% promotional balance transfer rate for 12 months to help you pay off pre-existing credit card debt. Permanent low interest rates of 12.99% on purchases and 17.99% on balance transfers (24.99% on cash advances). No annual fee. $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * $20 GeniusCash on approval ‒ offer ends Nov 30, 2025. * Bonus : Finally earn rewards on your biggest expense by paying for your rent and other bills with Chexy. Related Posts Amex Cobalt vs. Platinum Best Premium Credit Cards In Canada For November 2025 Your Guide To The Elusive Amex Black Card BMO eclipse Visa Infinite vs. Amex Cobalt Comments Leave a comment Required fields are marked with *. Your email address will not be published. Post Comment Showing 5 comments Bob Wen July 26, 2024 My wife and I agree that the American Express Centurion credit card is stupidly expensive, but then we’re not people who give a toss about impressing other people. Perhaps it’s intended for people whose self-esteem comes from them thinking other people are impressed by what they have. It’s rather sad really. Reply Mike September 28, 2020 What about the Black RBC VISA Privilege Card for Private Banking? Reply creditcardGenius Team October 2, 2020 This card is a great alternative, but it's not easy to get. The focus of the article was to compare other cards that are readily available to everyone. Reply Francis July 13, 2020 Not a single Visa Infinite Privilege? Thanks for your extremely biased review 🙄 Reply creditcardGenius Team July 16, 2020 Visa Infinite Privilege cards do provide many high-end benefits. However, because they require a high household income of $200,000 to qualify, we didn't list them here, instead focusing on other credit cards that also provide great perks. 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Resources Review Your Card Credit Card FAQ Sliders Credit Card Quiz Company About Careers Scholarship Disclosure Help Contact GeniusCash Report Bug   Privacy Policy | Terms | Security Province: Alberta British Columbia Manitoba New Brunswick Newfoundland and Labrador Nunavut Northwest Territories Nova Scotia Ontario Prince Edward Island Quebec Saskatchewan Yukon Copyright © 2025 WeyMedia Inc. 200 Champlain St. Suite 210, Dieppe, NB E1A 1P1 ◊ The creditcardGenius algorithm, based on our Rating Methodology , calculates an estimated dollar value for all rewards and bonuses by combining typical monthly spending with well-researched reward point value estimates . "Annual Rewards" is calculated by combining our default $2,000 in monthly spending ($24,000 annually) spread across 8 different spending categories (gas, groceries, travel, etc) with our point value estimates. "Welcome Bonus" is calculated by combining all one-time bonuses available to new cardholders within the first year with our point value estimates. To qualify for the full bonus you may need to make purchases, meet minimum spending requirements, or complete special actions. "Annual Interest Savings" is based on a credit card balance of $8,000 and a standard credit card interest rate of 19.99%. Annual Rewards, Welcome Bonus, and Annual Interest Savings values will change if the person adjusts their monthly spending away from the $2,000 monthly default or changes their reward preferences. *, † Terms and conditions apply. Your feedback matters What do you think of creditcardGenius? Needs work It's ok It's great! Disclosure creditcardGenius receives a referral fee for some credit cards listed; however, our comprehensive and math-based algorithm solely dictates the results of our rating system. Our ratings and rankings are strictly independent of compensation. 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