Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
To get a Black Card from American Express, you must receive an invitation to apply, get approved, and pay the $10,000 initiation fee. Amex customers may call customer service and request an invitation for the Black Card, though there is no guarantee you’ll receive an invitation to apply. The Amex Black Card is officially called the Centurion® Card from American Express, and it is reportedly reserved for customers with excellent credit who charge hundreds of thousands of dollars per year to other Amex cards.
Amex Black Card Requirements
- History of spending at least $350,000 to $500,000 annually on your existing Amex credit cards
- Annual income of at least $1 million, reportedly
- Excellent credit
- Invitation from American Express
- Enough money to afford a $10,000 initiation fee
How to Get an Amex Black Card
1. Open an American Express credit card account. American Express only extends invitations for the Black Card to existing members, so you’ll have to be an Amex cardmember to enter the candidate pool. There are several good American Express credit card offers you can apply for right now.
2. Spend and pay off large amounts on your Amex card. American Express does not publicly disclose the spending requirements for earning a Black Card invitation. However, online rumors suggest you must charge a minimum of $350,000 to $500,000 per year to your Amex card to be considered.
3. Request an invitation. As an Amex cardmember, you may call and ask to be considered for a Black Card invitation.
In addition to the Centurion® Card from American Express, several “black cards” from other credit card companies are open for applications. While none of them are as iconic as the Amex Black Card, some of them offer attractive rewards and benefits.
If you’re on the hunt for a prestigious credit card that you can apply for right now, you can check out the most exclusive credit cards in circulation on WalletHub.
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People also ask
What are the black card income requirements?
The American Express Black Card income requirement is reportedly at least $1 million per year. It’s rumored that you must also spend and pay off at least $350,000 across your American Express credit cards annually just to get an invitation to apply. If you’re invited to apply and you get approved for the Centurion® Card from American Express, you will have to pay a $10,000 initiation fee and a $5,000 annual fee.
It’s important to note that while...
read full answer by Chip Lupo, Credit Card WriterHow much is the Centurion® Card from American Express credit limit?
The Centurion® Card from American Express credit limit can change monthly based on your spending patterns and other factors. Keep in mind that cards with no preset spending limit (NPSL), such as Centurion® Card from American Express, don’t have limit less spending power. Rather, NPSL simply means the issuer doesn’t assign you a static limit when you’re approved for the card.
With most NPSL cards, you won’t know what your card’s limit will be in any given billing period, so it’s best...
read full answer by Peter Fox, WalletHub AnalystWhat credit card do millionaires use?
Millionaires use credit cards like the Centurion® Card from American Express (Amex Black Card) and the J.P. Morgan Reserve Credit Card. Both cards require an invitation to apply, and millionaires have the best chance of getting these high-end credit cards.
Credit Cards That Millionaires Use
- Centurion® Card from American Express
- J.P. Morgan Reserve Credit Card
- Chase Sapphire Reserve®
- Dubai First Royale Mastercard
Some millionaires choose premium travel rewards cards such as American Express Platinum Card® and Chase Sapphire Reserve when invite-only cards aren’t a good option. People with good/excellent credit...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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