A few different credit card issuers have a “black card,” including American Express, Barclays and RBC. The most famous black card is the Amex Black Card, officially called the Centurion® Card from American Express, which is an expensive, invitation-only card for people with extremely high incomes. Because of this card’s fame, other issuers have introduced their own “black card” offers, though these cards are not as exclusive. Some credit card companies also offer expensive, black-colored credit cards without necessarily including “black” in the name.
It’s important to keep in mind that despite their appearance of prestige, black credit cards don’t necessarily earn you the most rewards. Make sure to weigh the card’s annual fee against its rewards and benefits, as well as compare it to the best rewards credit cards, before deciding to apply.
Now that you know who issues black cards, it also might interest you to know who has one in their wallet (reportedly).
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.… read full answer
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.
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