The invite-only Amex Centurion ‘black’ card has a $5,000 annual fee and several luxury perks, but you can get many of its benefits with the Amex Platinum

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The Amex Centurion “black” card makes other premium credit cards look downright affordable. It has an initiation fee of $7,500 and an annual fee of $5,000.
It’s also invite-only; you can’t apply without permission from Amex.
The card offers some incredible benefits, like complimentary elite status across four hotel chains and with Delta, airport arrival services, and access to a concierge.
While some of these perks are exclusive to the Amex black card, you can enjoy many of them with the publicly available Platinum Card® from American Express and The Business Platinum® Card from American Express.
The Amex Platinum, with a $550 annual fee, doesn’t offer the same level of fancy benefits, but it’s a great option for earning travel rewards and enjoying some luxury perks, including statement credits with Uber and Saks.
See Business Insider’s list of the best rewards credit cards you can get »

Also known as the Centurion card, the American Express “black” card is so prestigious that you have to be invited to use it. You can’t just apply for it and expect to get approved; you have to receive a private invitation from American Express.

While the requirements for getting an invite for the black card aren’t officially published, rumor has it that you have to be a high earner who has spent and paid off between $350,000 and $500,000 across all of your American Express accounts in a calendar year.

And once you’re approved for the card, there’s a $7,500 initiation fee, and a $5,000 annual fee. It makes premium credit cards like the Platinum Card ($550 annual fee) and the Amex Business Platinum Card ($595) look downright affordable.

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Benefits of the Amex black card

Aside from its appeal as a status symbol, the Amex black card offers the following perks:

Hotel elite status

With a black card, you can lock in hotel elite status at four major hotel chains: Marriott, Hilton, Intercontinental Hotels Group, and Relais & Châteaux. Hotel elite status gets you sweet benefits like room upgrades, late checkouts, resort and spa credits, and free breakfast.

The Platinum Card and Amex Business Platinum Card offer status with Hilton and Marriott, but not with IHG and Relais & Châteaux.

Read more: Credit cards that get you hotel elite status just by having them in your wallet

Delta elite status

According to The Points Guy, the black card also offers cardholders Platinum Medallion elite status with Delta. You can’t get this benefit with any other credit card, and it offers you perks like complimentary upgrades and bonus miles.

Airport lounge access

There’s nothing better than knowing you have access to a comfortable airport lounge while you’re traveling, especially if you have a long layover. The Amex black card gets you free access to more than 1,200 airport lounges around the world, including Amex Centurion Lounges, Delta Sky Clubs when you’re flying Delta, and Priority Pass airport lounges. You can sit back and relax on the comfortable chairs while indulging in some good food and drinks.

The airport lounge access you …read more

Source:: Business Insider

      

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