
Amex
Centurion Card
Hover to explore — real card art from our catalog
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.
| Category | Rate |
|---|---|
| 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 & 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
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
Loading calculator…
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.