Adam McCann, Financial Writer
@adam_mcan
The Centurion® Card from American Express is the rarest credit card in the world. Also known as the "Black Card," it requires an invitation to apply, and customers reportedly need to spend $350,000+ per year on other Amex credit cards and have at least $1 million in income to qualify. With a staggering annual fee of $5,000, a one-time initiation fee of $10,000, and strict eligibility requirements, this card is found only in the wallets of a few very rich individuals, making it very rare.
Key Facts About the Centurion® Card from American Express
- Nickname: Black Card
- Availability: Invitation only
- Reported Requirements: Spend $350k on other Amex cards annually, have an income of at least $1 million and have excellent credit.
- Annual fee: $5,000
- Initiation fee: $10,000
You can learn more about the most exclusive credit cards on WalletHub.
Popular Credit Cards from Our Partners
People also ask
What credit card do billionaires use?
Billionaires are most likely to use the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals. Some of the rich and famous people rumored to have the card include Jerry Seinfeld and Halle Berry.
Billionaire Credit Cards: Top Cards for the Rich & Famous
- Best Overall:
- Best Overall:
- Best Overall:
- Rates & Fees Best Visa Card:
- Rates & Fees Best Visa Card:
- Best Visa Card:
- Rates & Fees Terms ApplyBest for Business Rewards:
- Rates & Fees Best for Business Rewards:
- Best for Business Rewards:
- Details, Rates & Fees Best for Travel Rewards:
- Details, Rates & Fees Best for Travel Rewards:
- Best for Travel Rewards:
- Best Overall:
- Best Visa Card:
- Best for Business Rewards:
- Best for Travel Rewards:
Most billionaires aren’t really in the habit of telling people what credit cards they have. Some billionaires like...
read full answer by Ryan P Page, Staff WriterIs there anything higher than a black card?
No, there aren’t any credit cards higher than the “Amex Black Card”. Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.
Why There Are No Cards Higher Than the Black Card
- An invitation is required just to apply for the Amex Black Card, and you’ll reportedly have to meet very strict requirements in order to receive an invitation.
- You...
What are the requirements for an American Express Black Card?
The American Express Black Card’s requirements are rumored to include being an Amex cardholder for at least a year, spending over $100,000 annually on American Express credit cards, and annual income of at least $1 million. You’ll probably need to have an excellent credit score, too. To be clear, these things only get you an invitation to apply for the card. So that's just the bare minimum needed. There is a steep "initiation fee" of...
read full answer by Benny Joseph, WalletHub AnalystDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.