Bianca Smith, WalletHub Credit Cards Analyst
@bianca_stoian
To get a Black Card from American Express, you must receive an invitation to apply, have Excellent credit, and pay the $10,000 initiation fee. Amex customers can request an invitation for the Black Card online, though there is no guarantee of actually receiving an invite. The Amex Black Card is officially called the Centurion® Card from American Express, and it is reportedly reserved for customers who charge hundreds of thousands of dollars per year to other Amex cards.
How to Get a Black Card
- 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 American Express credit card offers you can apply for right now.
- 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 would have to charge over $250,000 per year to your Amex card to be considered.
- Request an invitation. As an Amex cardmember, you can ask to be considered for a Black Card invitation online. You will only need to give your full name, as well as your American Express credit card number and 4-digit security code.
Apart from the Centurion® Card from American Express, several issuers offer “black cards” that 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.
People also ask
What are the American Express Black card income requirements?
There is no official American Express Black card income requirement, but you must spend and pay off over $250,000 in a given year on an American Express Platinum Card to get an invitation.
read full answerHow much is the American Express Black Card credit limit?
The American Express Black Card’s credit limit is determined on a month-to-month basis, and it depends on your overall spending and payment habits. That is because the Amex Black Card – officially known as the Centurion® Card from American Express - is a no preset spending limit (NPSL) card. American Express may also adjust the limit based on your card use.
This is one of the most exclusive credit cards out there, and it's designed for high-spenders.
read full answerWhat credit card do millionaires use?
Millionaires use credit cards like the Centurion® Card from American Express, the J.P. Morgan Reserve Credit Card. These high-end credit cards are available only to people who receive an invitation to apply, which millionaires have the best chance of getting. For example, in the case of the Amex Centurion Card – also known as “the Black Card” – you reportedly need to charge at least $100,000 across Amex credit cards every year to even qualify for an invite. The Platinum Card® from American Express is another exclusive credit card that...
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