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American Express · Business

American Express Centurion Business

A $5,000-a-year business card earning Membership Rewards: 1.5× on Large Purchases, 1× on everything else.

Is it worth it?
American Express Centurion Business
Annual fee
$5,000Charged every year
Signup bonus
$-10,000Cash bonus
Top rate
1.5×Large Purchases
Point value
1.9¢ In travel · 0.7¢ as cash (our estimate)*

Year one and year two

Is it worth it for you?

Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.

Value points at (our estimate)*
Your spending a year, by earning rate
1.5×Large Purchases
1×All Other
Illustrative numbers, not an average.
Statement credits you’d use
LineYear oneYear two
Signup bonus cash−$10,000–
Points on your spend Enter your spending$0$0
Credits you’d use None ticked yet$0$0
Annual fee Charged each year−$5,000−$5,000
NetYear one includes the bonus · at your inputs · our estimates*−$15,000−$5,000
Compare whole wallets See how the Centurion Business does beside the cards you already hold.

Earning structure

2 categories, 2 rates

IconCategoryPoints per $1 Worth per $100 (our estimate)*
Large Purchases Cap $666,667 / 12 mo
Notes

For purchases over $5,000, earn an additional 0.5 points per dollar, up to 1 million extra points per year.

1.5×$2.85
All Other 1×$1.90

The rest of the card

Details, rules and benefits

Card details
Annual fee
$5,000
Card type
Business
Network
American Express
Bank
American Express
Point system
Membership Rewards
Travel value (our estimate)*
1.9¢ per point
Cash value (our estimate)*
0.7¢ per point
Foreign transaction fee
None
Transfer partners
Yes
Travel portal redemption
Yes
Cash to travel
No
Transfer partners18
  • AeroMexico Rewards 1:1.6
  • Aeroplan 1:1
  • ANA Mileage Club 1:1
  • Asia Miles 5:4
  • Avios 1:1
  • Choice Privileges Rewards 1:1
  • Emirates Skywards 5:4
  • Etihad Guest Miles 1:1
  • Flying Blue 1:1
  • Flying Club 1:1
  • Hilton Honors 1:2
  • KrisFlyer 1:1
  • Leaders Club 4:1
  • LifeMiles 1:1
  • Marriott Bonvoy 1:1
  • Qantas Frequent Flyer 1:1
  • SkyMiles 1:1
  • True Blue 5:4

Ratio is Membership Rewards points to partner miles or points.

Benefits10 · 6 high value
  • Instant Perks & Status High valueComplimentary Delta Platinum Medallion Status + 4 more instant perks & status benefits
  • Lounge Access High valueAll Lounges Access
  • Credits & Discounts $1000 Resy Credit + 3 more credits & discounts benefits
See all 10 benefits Free account.

Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.

Alternatives

Head to head with similar cards

American Express Centurion BusinessAmerican Express Business PlatinumAmerican Express Business GoldChase Sapphire Reserve Business
Annual fee$5,000$895−$4,105$375−$4,625$795−$4,205
Signup bonus$-10,000300,000 pts200,000 pts150,000 pts
Top rate1.5×Large Purchases5×Hotels (Portal), Airfare (Portal)4×1st Highest Spend Category8×5 categories
Travel value *1.9¢Membership Rewards1.9¢Membership Rewards1.9¢Membership Rewards1.85¢Ultimate Rewards
Why it’s hereThis cardSame issuer and the same Membership Rewards points; business cardSame issuer and the same Membership Rewards points; business cardA $795 annual fee, with transferable points; business card
Compare in Card Comparison

Discussion

CommentsShow the discussion
More video reviewsRich on YouTube, opens in a new tab

While exact requirements are not publicly disclosed, it's reported that personal card invitations may require annual spending of around $350,000, and business card invitations around $450,000 to $500,000 across existing American Express accounts.

* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.

Net, year one–
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