American Express Centurion Credit Card is one of the top credit card. This credit card is from American Express Bank. This card offers some of the best rewards in the industry. This is an invite only card. It offers personal conceirage, elite membership, lounge access and more. This is amongst the most coveted credit card which takes you to the elite category.

There is a small downside to this card it comes with a hefty annual fee. Further, this is an invite-only credit card. It is unlikely that a regular person will be approved for this credit card.

American Express Centurion Black Card

Card Membership: American Express Centurion Black Card is an invite-only credit card. Nonetheless, existing Amex members can apply online for the Centurion Black card. There is no guarantee that Amex will accept your membership request.

Fees: Annual membership fee of this credit card is $5,000

Spend: On average card members spend from $250,000 – $1,000,0000 per annum on this card.

Rewards: Card members are eligible for 1 Membership rewards points for every $1 they spent. Members can redeem these points for statement credits. They can also redeem them for gift cards, book flights, and shopping at stores. 

Advantages of American Express Centurion Credit Card

Firstly, the biggest attraction of this credit card is its exclusivity. This card is not built for providing big rewards. This credit card help with exclusivity and access to personalised services. 

Card members have access to 24×7 personal concierge services. The concierge service is a dedicated point of access for all the needs of card member. The concierge can help them with various requests. For example, travel, dinner reservations, flowers delivery, and other requests.

This credit card also provides reservations at select exclusive restaurants. Centurion members also get complimentary access to Centurion Lounges at the US Open. Further, they also get access to dedicate Amex areas in baseball games.

Membership benefits with American Express Centurion Card

Centurion elevates the card members’ status in hospitality reward programs. These rewards programs are spread across multiple hospitality companies. For instance, hotel chains, airlines, and car rentals. They cover all the travel needs of a card member. This is one of the best advantage of this credit card.

Here is a list of the elite membership status card members can enjoy. All these are complimentary with American Express Centurion Black Card membership. Card members need to enrol in the programs using their Card.

1. Hilton Honors Elite Diamond Status. Card members receive the elite Hilton Honor status. They can use it to book any of the 14 Hilton brands. They get access across the world for perks and privileges. Although, the bookings need to be made directly with the Hilton website.
2. Delta SkyMiles Medallion Status. Members earn 100% of bonus miles with Medallion status on Delta. In order to, qualify all the bookings should be on the airline website. Use Centurion Credit Card to earn these rewards. Further, they are also eligible for unlimited upgrades on economy-published rates.
3. MeliáRewards Platinum. Enjoy privileges at participating Meliá Hotels International properties.
4. Hertz Gold Plus Rewards President’s Circle. Enjoy complimentary access to the highest elite-tier status. Furthermore, enjoy exclusive benefits when renting with Hertz. Benefits include discounts, upgrades, and priority service. 
5. Marriott Bonvoy Gold Elite Status. Card members also enjoy an Elite status. They can use it to book and enjoy over 29+ brands in over 6500 properties. Marriott has properties around the world in 127 countries.
6. IHG Rewards Club Platinum Elite. Members enjoy exclusive benefits in over 350 properties in 7 brand hotels.
7. Sixt Advantage Circle Diamond. Enjoy access to Sixt’s exclusive rewards by enrolling in their program. In order to enroll use the Centurion Card. 

Insurance benefits of American Express Centurion Credit Card

This credit card also offers Insurance coverage for some incidents. This insurance covers for any inconvenience to the card members in case of travel cancellation. Further, all these insurance only triggers if the travels are charged to the Centurion Card. The card offers the following benefits to card members.

1. A $250 per person travel inconvenience coverage for personal expenses. This covers members for missed departures or connections. They also cover delayed flights, and canceled, or overbooked flights.
2. Comprehensive medical assistance program for US$100,000 for medical services in the event of an emergency,
3. Travel accident insurance coverage of up to US$ 1 Mn. This insurance covers any case of accidental death or dismemberment while traveling on a plane, train, ship, or bus.
4. Car Rental Loss and Damage Insurance Plan for coverage up to $75,000 for car rentals. All the car rentals need to be paid using the Centurion Credit Card.
5. Baggage reimbursement of up to $1,200 per trip. This covers any bags lost in transit by a scheduled air carrier.

Other benefits of the Amex Centurion Black Card

American Express also offers an extended warranty on purchases. These should be made using the Centurion Credit Card. Card members get an extended warranty equal to the existing warranty. The duration of this warranty is up to a max of 5 years. Further, this card also offer Purchase Protection for up to 90 days. This plan covers any lost, stolen, or damaged goods purchased using the Centurion Card. Though, this Purchase Protection plan is available only in the USA.

Card members can also add their family members for supplementary cards. The first supplementary card is free of charge. But, there is a charge of $1,500 for 2nd card onwards. Alternatively, they can opt for the Platinum credit cards available at $0.

Finally, the Centurion Card also offers Centurion Lounge access to card members. American Express also has a tie-up with multiple partner lounge operators. These include Plaza Premier, Delta Lounges, Airspace lounges, and Escape Lounges. This privilege also permits the card members can bring their immediate partner or spouse to the Lounge. Further, they can bring up to two companions to the lounges.

Some disadvantages of the American Express Centurion Card

One of the most obvious drawbacks of this credit card is its high annual fee of $5,000. Unless, a person spend $400,000 to $800,000 annually, it’s almost impossible to recoup this amount. The exclusivity of this credit card also limit the number of members.

In our opinion, the American Express Platinum Credit Card serves the purpose. They do not need the Centurion Credit Card. The card is more for the “WOW” factor. Unless a member need a personal concierge or travel a lot around the world. They do not need Centurion Credit card

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