Who Has a Centurion Card and How to Get One

The Centurion Card is a highly exclusive credit card, but who has one and how do they get it? The card is issued by American Express, and it's reserved for a select group of individuals who have a high net worth.

To be eligible for the Centurion Card, you typically need to have a high credit score and a significant amount of wealth.

The card is available to a limited number of individuals who have demonstrated a high level of loyalty to American Express.

To get a Centurion Card, you'll need to rack up significant charges - reportedly at least $450,000 across all your Amex accounts in a calendar year for the business card, or around $350,000 for the personal card.

There's no official requirement for Centurion eligibility, and just because you spend enough doesn't mean you'll automatically be invited to apply.

The Centurion Card has two versions: a business version and a personal one, and you can request an invite to the personal card.

Invitations to apply for the business card are reportedly extended to those who have spent and paid off at least $450,000 (or $500,000, depending on the source) across all their Amex accounts in a calendar year.

Part of the exclusivity of the Centurion Card is that there's a secret formula behind who gets invited.

The benefits and perks of having a Centurion Card are truly impressive. The American Express Centurion Card, also known as the Black Card, offers exclusive benefits to its holders.

You'll have access to a dedicated concierge service, available 24/7 to cater to your every need. This service can help you make travel arrangements, book reservations, and even purchase tickets to sold-out events.

The JP Morgan Chase Reserve cardholders also enjoy a high level of personalized service, with a dedicated relationship manager assigned to each account. This manager will work with you to create a customized financial plan tailored to your specific needs.

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With the Centurion Card, you'll also receive a complimentary upgrade to a higher level of service, including priority check-in, security screening, and boarding. This can make a huge difference when traveling, especially during peak seasons.

In addition to these benefits, Centurion Cardholders may also receive exclusive access to events, such as private concerts and art exhibitions. These events offer a unique opportunity to mingle with like-minded individuals and experience the finer things in life.

Traveling abroad? The Centurion Card can provide you with a higher level of travel insurance, including emergency medical evacuation and trip cancellation coverage. This can give you peace of mind when exploring foreign destinations.

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The American Express Centurion Card, also known as the Black Card, is an invitation-only credit card for the super rich.

It has a high minimum net worth requirement to obtain.

The JP Morgan Chase Reserve is another credit card used by the super rich, also with strict requirements to obtain.

To get a Centurion Card, you need to be a big spender, as it's widely accepted that you need to spend at least six figures annually on an AmEx card.

The exact amount required is a matter of speculation, with reports ranging from $250,000 to over a million dollars in annual spending.

There's no confirmed threshold for receiving an invitation, and American Express hasn't specified a specific spending requirement.

You need to spend big to get some of the most exclusive credit cards out there. Reports suggest that you need to spend at least six figures annually on an AmEx card to get a Centurion Card.

The exact amount is a matter of speculation, but it's widely accepted that you need to be a big spender for AmEx to give you a Centurion Card.

Airport lounge access is a great perk, especially for those with the right credit cards. Centurion cardmembers get complimentary access to Amex's Global Lounge Collection, which includes access to Centurion Lounges, Priority Pass Select lounges, and more.

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This access includes up to two guests, a benefit that's restricted on the Amex Platinum card. You can't purchase Centurion Lounge access, even if you carry another American Express card.

If you're an Amex Platinum cardmember, you'll get complimentary access to Amex's Global Lounge Collection, but with stricter guest privileges. Authorized users with a Centurion or Platinum Card also have access, and you can add up to three authorized users to the personal Platinum Card for a total of $195 per year.

Delta SkyMiles Reserve American Express Card and Delta SkyMiles Reserve Business American Express Card members get complimentary access to Centurion Lounges in the U.S., Hong Kong, and London when flying on a Delta-marketed or -operated flight purchased with any U.S.-issued American Express card.

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You'll need to be a big spender to get your hands on an American Express Black Card, also known as the Centurion Card. Reports suggest you need to spend at least six figures annually on an AmEx card to get an invitation.

The exact amount you need to spend is a matter of speculation, but it's believed to be upwards of $250,000 to over a million dollars of annual spending. AmEx has not confirmed any specific spending requirements.

You'll need to be able to support the fees and spending requirements, which include a hefty initiation fee and an annual fee. The Centurion Network offers exclusive benefits like airport lounge access, but it's not for everyone.

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