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Card Review

Credit CardAmex
Centurion Card credit card

Centurion Card

Annual Fee

$5,000Charged Yearly

Welcome Bonus

See Issuer

EST. Net Value

$4,005/yr

Credit Score

Varies

Top Earn Rate

1x everything else


Last updated November 5, 2026 | Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly).
Verify current terms on the issuer site.

Advertiser disclosure:
Flo may receive compensation from card issuers when you click “Apply” and are approved. This does not affect our rankings or calculator math. Read our advertising policy and methodology.

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Everything else

1x

Overview

How this card fits in your wallet — fees, value, and who it's built for.

The Centurion Card from Amex carries a $5,000 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $255.60 in rewards plus $8,749.00 in credits and perks — $4,004.60 net per year before welcome bonuses.

How the points work

1.5X MR points on all purchases of more than $5,000 (up to one million extra points per year).

Earning rates

Category bonuses from our catalog — verify current offers on the issuer site.

CategoryRate
  • Everything elseAll Purchases
    1×

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

  • Saks Fifth Avenue$1,000/yr

    $1,000 per year. The credits are awarded as $250 per quarter.

  • CLEAR$369/yr

    $369 statement credit to CLEAR membership for the cardholders and up to three family members 18 or older.

  • Equinox$3,600/yr

    $3,600 statement credit to Equinox each calendar year.

Benefits

  • Centurion Concierge

    Personal concierge to help with a number of tasks, from trip planning to gift giving.

  • Marriott Bonvoy Gold

    Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.

  • Hilton Honors Diamond

    Get Hilton Honors Diamond benefits like 100% bonus on points, complimentary breakfast for two, upgrades, prefmium internet, and 48-hour room guarentee.

  • IHG Platinum

    Get IHG Platinum benefits like 50% bonus on points, priority check-in, room upgrades, late checkout, and guarenteed room availablity

  • Centurion Hotel Program

    When staying at luxury brand properties — Aman, Belmond, Mandarin Oriental, Peninsula Hotels, Rosewood, Waldorf Astoria, Oetker Collection and St. Regis — enjoy the following: - Noon check-in (when available) - Room upgrade at time of booking (when available) - Daily breakfast for two people - In-room Wi-Fi (at most properties) - Guaranteed 4 p.m. checkout - Special amenity unique to each property, such as a $100 credit to use on-site or a complimentary hotel transfer - Additional Centurion benefit of $100 or $200 in food and beverage or spa credit (on paid stays of two nights or more)

  • Delta Platinum

    Get complimentary upgrades, priority waitlisting, a bonus of 4 miles per dollar spent, waived award reissue fees, priority check-in and boarding, your pick of Choice Benefits, and more.

  • Hertz Platinum

    Invite-only status includes VIP drop-off and pickup service and upgrades to the best standard (and occasionally luxury) cars available at the time.

  • Equinox All-Access$3,780/yr

    Access to all Equinox gyms world wide ($315/mo value). Get exclusive access to all Equinox Fitness, Destination, and Sports Clubs locations worldwide.

Transfer partners

Where this card's points can go, and at what ratio. 12 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Iberia Plus1:1
  • JetBlue TrueBlue1:1
  • Singapore KrisFlyer1:1
  • Southwest Rapid Rewards1:1
  • United MileagePlus1:1
  • Virgin Atlantic Flying Club1:1
  • World of Hyatt1:1
  • IHG One Rewards1:1
  • Marriott Bonvoy1:1

Work out what a transfer is worth in the transfer calculator.

Is the annual fee worth it?

Quick breakeven from stated credits and perks — open the full tool to dig deeper.

Credits & perks vs fee

Annual fee−$5,000
Stated credits+$4,969
Perks (est.)+$3,780
Net after credits & perks$3,749

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$4,005/yr

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Estimates for illustrative purposes. See methodology

FAQ's

  • Issuers generally look for good-to-excellent credit; exact thresholds vary.

  • See the annual fee analysis above, or open the full calculator to model credits and perks against $5,000 per year.

  • Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.

Ready to apply?

Centurion Card

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