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Centurion Card credit card

Amex

Centurion Card

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Card review

Centurion Card

Amex

Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.

Annual fee

$5,000

Welcome bonus

See issuer

Est. net value

$4,005/yr

Credit score

Varies

Top earn rate

1x everything else

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

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 & perks

  • 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. 13 partners.

  • Air Canada Aeroplan1:1
  • Air France KLM Flying Blue1:1
  • British Airways Avios1:1
  • Emirates Skywards1:1
  • 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.

WalletFlo calculator tools

Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.

Reward calculator

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

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Frequently asked questions

What credit score do I need?
Issuers generally look for good-to-excellent credit; exact thresholds vary.
Is the annual fee worth it?
See the annual fee analysis above, or open the full calculator to model credits and perks against $5,000 per year.

Ready to apply?

Centurion Card

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