To get an American Express Black Card (also known as the Centurion Card), you must meet very exclusive and high financial criteria, as it is an invitation- only card. Here are the key points on how to qualify and obtain one:
- Invitation Only : The card is not available through a standard application process. American Express invites select customers based on their spending and credit history
- High Spending Requirements : You typically need to spend at least $350,000 per year on your personal Amex cards or $450,000–$500,000 for business cards. Some reports suggest spending up to $1 million annually on personal luxury purchases to be considered
- Excellent Credit Score : A credit score of 800 or higher is generally required, reflecting strong financial responsibility
- Existing Relationship with Amex : You must have a long-standing relationship with American Express, usually holding and actively using their Platinum or other premium cards for at least one year
- High Net Worth : Cardholders are typically high-net-worth individuals with substantial liquid assets and financial stability
- Fees : If invited and accepted, you pay a $10,000 initiation fee plus a $5,000 annual fee
- How to Increase Chances : Focus on spending heavily on luxury goods and travel, maintain excellent credit, and have a history of loyalty to Amex. Business owners may find it easier to qualify for the business version of the card
- Requesting an Invitation : You can express interest by submitting a request through American Express’s website, but there is no guarantee of receiving an invite
In summary, obtaining the Amex Black Card requires being a very high spender with excellent credit and a strong relationship with American Express. It is a status symbol with exclusive benefits, but access is tightly controlled and costly
