What is the most exclusive American Express card?

That would be the American Express Centurion card, also dubbed the Black Card. It is invitation-only, and to qualify, you will need to spend over $250,000 on an American Express Platinum card within a year. This amount is not officially confirmed, and it is important to note that spending enough and having good credit standing doesn’t mean you’ll automatically be invited to apply. There are likely other requirements, too. American Express doesn’t publicize many details about the Centurion card, since the secret formula behind who gets invited is part of the exclusivity. This card has no preset spending limit, which means its limit is determined on a month-by-month basis depending on the cardholder’s spending and payment habits, as well as the economy. Its features include a dedicated concierge, complimentary companion airline tickets and hotel nights, access to airport lounges, flight upgrades and personal shoppers at luxury retailers.

Black, but you can not apply, it has to be offered to you.