American Express · Personal
American Express Centurion
A $5,000-a-year card earning Membership Rewards: 1.5× on Large Purchases, 1× on everything else.
- 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.
| Line | Year one | Year 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 |
Earning structure
2 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Large Purchases Cap $666,667 / 12 moNotesFor 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
- Personal
- 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
Application rules1
- AMEX Invite
Available exclusively by invitation from American Express.
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
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 |  American Express Platinum |  American Express Gold |  Chase JP Morgan Reserve Card | |
|---|---|---|---|---|
| Annual fee | $5,000 | $895−$4,105 | $325−$4,675 | $795−$4,205 |
| Signup bonus | $-10,000 | 175,000 pts | 100,000 pts | None |
| Top rate | 1.5×Large Purchases | 5×Hotels (Portal), Airfare | 5×Hotels (Portal) | 10×Special |
| Travel value * | 1.9¢Membership Rewards | 1.9¢Membership Rewards | 1.9¢Membership Rewards | 1.85¢Ultimate Rewards |
| Why it’s here | This card | Same issuer and the same Membership Rewards points | Same issuer and the same Membership Rewards points | A $795 annual fee, with transferable points |
American Express Platinum
$895 fee (−$4,105) · 5× top175,000 pts bonusSame issuer and the same Membership Rewards points
American Express Gold
$325 fee (−$4,675) · 5× top100,000 pts bonusSame issuer and the same Membership Rewards points
Chase JP Morgan Reserve Card
$795 fee (−$4,205) · 10× topNone bonusA $795 annual fee, with transferable points
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.
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