The Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. It is reserved for the companys wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card. The card is invitation-only, and the firm does not disclose the exact requirements to receive an invitation to carry the card. The Centurion Card is made of anodized titanium, laser-engraved, and accented with stainless steel. It is considered a status symbol among the affluent.

The Centurion Card comes in personal and business variants. The most interesting perk of the business version of the Centurion Card is a generous 50% rebate on airfares purchased with Membership Rewards. Centurion Card members, like Platinum Card members, get complimentary access to the American Express Centurion Lounges at several US airports. They also get no pre-set credit limit, access to Priority Pass lounges around the world, plus additional lounge privileges based on the country their card is registered in. For example, Centurion cardholders in Canada also receive full access to Maple Leaf Lounges, a lounge network provided by Air Canada.

The Centurion Card offers an unbelievable level of concierge service. The concierge benefit offered with the Centurion Card from American Express deserves special mention. Many cards offer concierge service, but the level of service provided to Centurion cardholders is a step above the rest. From spending hours tracking down a sold-out Christmas present to managing an evacuation in the midst of a volcanic eruption, the concierge staff at this level will provide you with the best of the best.

The Centurion Card has its own hotel benefits, packaged as the Centurion Hotel Program. When staying at properties across eight luxury brands, Centurion cardholders can enjoy benefits such as noon check-in (when available), room upgrade at time of booking (when available), and daily breakfast for two people.

In summary, the Centurion Card is a highly exclusive charge card issued by American Express, reserved for the companys wealthiest clients who meet certain net worth, credit quality, and spending requirements. It is considered a status symbol among the affluent and offers a range of benefits, including access to airport lounges, concierge service, and hotel benefits.