Am
https://www.cnbc.com/select/what-is-a-black-card/
Black credit cards are the ultimate status symbol — but what are they?
2020-03-08
Megan DeMatteo
<div><div><div><p>Premium <a href="https://www.cnbc.com/select/best-luxury-credit-cards/">luxury credit cards</a>, or "black cards," are the most <a href="https://www.cnbc.com/select/most-exclusive-credit-cards/">exclusive credit cards</a> on the market. </p><p>There's a lot of mystery and myth surrounding these elite cards with <a href="https://www.snopes.com/fact-check/black-american-express-card/">wild stories</a> of how the ultra-rich use them to make outlandish purchases, from the horse from "Dances with Wolves" to sand from the Dead Sea.</p><p>While it's hard to know how many of those rumors are true, there are a few things we know for sure about black cards: they come with very high <a href="https://www.cnbc.com/select/questions-to-ask-yourself-before-paying-credit-card-annual-fee/">annual fees</a>, they have very high spending requirements and they are not marketed toward the average consumer (sorry).</p><p>But are black cards actually worth it? </p><p>Below <a href="https://www.cnbc.com/select/">CNBC Select</a> digs into the additional value of having a black card, who qualifies for a black card and other premium credit cards you might consider instead.</p></div><div><p><strong>Subscribe to the Select Newsletter!</strong></p><p>Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. <a href="https://link.nbcnews.com/join/5cj/select-signup">Sign-up here</a>.</p></div><h2><a href=""></a>What is a black card?</h2><div><p>The credit card most associated with the phrase "black card" is the <a href="https://www.americanexpress.com/us/cardmember-agreements/centurion.html">Centurion<sup>®</sup> Card from American Express</a>, or the "Amex Black Card." It was released in 1999 and created such a buzz that other card issuers wanted to create their own deluxe credit cards to reward their highest-spending customers.</p><p>Enter the age of the black card. Now there are many alternatives to the Amex Centurion for consumers of all income levels and credit histories. Many premiere rewards cards have borrowed the black color for their best credit card products, and card issuers have found ways to make their most popular <a href="https://www.cnbc.com/select/best-travel-credit-cards/">travel rewards cards</a> feel upscale.</p><p>The Amex Black Card helped launch the metal card trend, and these days many consumers have at least one <a href="https://www.cnbc.com/select/best-metal-credit-cards/">metal card</a> in their wallets. There are even <a href="https://www.cnbc.com/select/best-no-annual-fee-credit-cards/">no-annual-fee cards</a> like the <a href="https://www.cnbc.com/select/credit-card-marketplace/">Verizon Visa® Card</a>* and <a href="https://www.amazon.com/Credit-Cards/b?ie=UTF8&amp;node=1266766011&amp;tag=cnbc013-20">Prime Visa </a>now that are made of metal. But a true black card is invitation-only and was designed for only the most top-tier spenders.</p></div><h2><a href=""></a>Who can get a black card?</h2><div><p>It's hard to find precise information on exactly who qualifies for a black card. Some invitation-only credit cards, such as the <a href="https://www.chase.com/card-benefits/jpmreserve/travel">Chase J.P. Morgan Reserve®</a>, are an additional perk that comes if your assets are managed by a particular banking institution, while others require that you've been a cardholder with an issuer for a certain number of years.</p><p>American Express allows existing Amex cardholders who are interested in Centurion membership to <a href="https://www.cnbc.com/select/request-an-invite-for-the-amex-centurion-card/">request consideration</a> by filling out a short online form, but there are still no published qualifications.</p><p>Regardless, you should expect to need an <a href="https://www.cnbc.com/select/what-is-considered-an-excellent-credit-score/">excellent credit score</a> (scores of 800 and above) to qualify for a black card.</p></div><h2><a href=""></a>How much do you have to spend to get a black card?</h2><div><p>There are very high spending requirements to get a black card. Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.</p><p>The latest Census Household Income Report found the median American household income is $67,521 per year, which makes a minimum spending requirement in the six figures well out of reach. While the average consumer will likely never use a black card, there are now many affordable credit cards that <a href="https://www.cnbc.com/select/best-credit-card-sign-up-bonuses/">offer welcome bonuses</a> that have spending requirements as low as $500.</p></div><h2><a href=""></a>What are the benefits of a black card?</h2><div><p>Some of the rewards offered by black cards are similar to what you get with more <a href="https://www.cnbc.com/select/chase-sapphire-reserve-vs-american-express-platinum-card/">accessible, high-end cards</a>, like <a href="https://oc.brcclx.com/t/?lid=26664558&amp;cr=28038&amp;last_updated=1598306940">The Platinum Card® from American Express</a> or the <a href="https://oc.brcclx.com/t/?lid=26667122&amp;cr=28495&amp;last_updated=1599683537">Chase Sapphire Reserve®</a><strong> </strong>credit card. These include opportunities to quickly rack up points on travel, dining and shopping around the globe, plus other perks like exclusive <a href="https://www.cnbc.com/select/credit-cards-with-airport-lounge-expedited-security-access/">airport lounge access</a>.</p><p>But the high-end perks that come with the ultra-elite black cards remain out of reach for even those who are willing to pay an annual fee to access the <a href="https://www.cnbc.com/select/best-credit-cards-for-international-travel/">best international travel cards</a>.</p><p>The privileges of a black card include upgrades and special permissions for <a href="https://www.cnbc.com/select/best-credit-cards-for-rental-cars/">rental cars</a> and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service.</p><p>In other cases, having a black card can help cardholders navigate the rigor of a high-demand business lifestyle with services like Royale Lifestyle Management which comes complimentary with the <a href="https://www.dubaifirst.com/creditcards/co-branded-card">Dubai First Royale Mastercard</a>.</p><p>As for the original black card, Centurion cardholders have access to the <a href="https://www.cnbc.com/select/amex-opens-largest-centurion-lounge-in-jfk/">Amex Centurion Lounges</a> at airports like New York's John F. Kennedy Airport (JFK). These lounges offer travelers a place to relax with a full complimentary bar, spa services and premium amenities.  </p><p>However, Centurion customers aren't the only Amex cardholders who can access these lounges. Cardholders with the <a href="https://oc.brcclx.com/t/?lid=26664558&amp;cr=28038&amp;last_updated=1598306940">The Platinum Card from American Express</a> (see <a href="https://oc.brcclx.com/t/?lid=26664556&amp;cr=28377&amp;last_updated=1598926898">rates and fees</a>), <a href="https://oc.brcclx.com/t/?lid=26682261&amp;cr=30748&amp;last_updated=1642108902">The Business Platinum Card® from American Express</a> (see <a href="https://oc.brcclx.com/t/?lid=26664555&amp;cr=18390&amp;last_updated=1441999679">rates and fees</a>), <a href="https://oc.brcclx.com/t/?lid=26664533&amp;amp;cr=26432&amp;amp;last_updated=1580427730&amp;amp;tid=106427436">Delta SkyMiles® Reserve American Express Card</a> (see <a href="https://oc.brcclx.com/t/?lid=26664533&amp;cr=28033&amp;last_updated=1598306653">rates and fees</a>) and <a href="https://oc.brcclx.com/t/?lid=26664537&amp;amp;cr=26421&amp;amp;last_updated=1580427132&amp;amp;tid=106427436">Delta SkyMiles® Reserve Business American Express Card</a> (see <a href="https://oc.brcclx.com/t/?lid=26664541&amp;cr=26441&amp;last_updated=1580428007">rates and fees</a>) can also use the lounge when they pass through airports with Centurion lounges. (Note: Delta Skymiles Reserve card members are only eligible to visit the Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight.) Terms apply.</p><p>Other rumored perks of the Centurion card include automatic Delta SkyMiles Platinum Medallion elite status, top-tier Hilton Honors Diamond elite status, access to the Centurion hotel program, an Equinox Destination Access gym membership and much more. American Express will also soon open an <a href="https://www.cnbc.com/select/amex-centurion-new-york-opening/">exclusive club in midtown Manhattan</a> for Centurion cardholders. However, the points-earning rates are lackluster when compared to more accessible <a href="https://www.cnbc.com/select/best-rewards-credit-cards/">rewards cards</a>. Reports also suggest that the Centurion card doesn't offer new card members a <a href="https://www.cnbc.com/select/best-credit-card-sign-up-bonuses/">welcome bonus</a>.</p></div><h2><a href=""></a>How much does a black card cost? </h2><div><p>The fees for these exclusive cards vary quite a bit. In the case of the Dubai First Royale Mastercard, the card issuer doesn't disclose its annual fee publicly.</p><p>It states in the Amex Centurion Black Card <a href="https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/centurion/centurion-card-12-31-2019.pdf">cardholder agreements</a> that the annual fee is $5,000, and there is a one-time initiation fee of $10,000 when you sign up. And with the Chase J.P. Morgan Reserve®, sites such as <a href="https://www.valuepenguin.com/jp-morgan-reserve-card-chase-palladium">Value Penguin</a> report it has a $595 annual fee.</p></div><h2><a href=""></a>What cards compare to a black card?</h2><div><p>It's been over two decades since Amex launched the original black card, and card issuers are increasingly offering more and more luxury perks at a more accessible price point to a larger portion of their customers. </p><p>The biggest draw of elite rewards cards is the many travel benefits they offer. As mentioned above, the <a href="https://oc.brcclx.com/t/?lid=26664558&amp;cr=28038&amp;last_updated=1598306940">Amex Platinum card</a> offers similar perks to that of the Black Card, like widespread airport lounge access, hotel elite status with Marriott and Hilton, credits towards an Equinox gym membership and more. Terms apply.</p></div><section><h3><a href="https://oc.brcclx.com/t/?lid=26664558&amp;cr=28038&amp;last_updated=1598306940">The Platinum Card® from American Express</a></h3><div><div><p>On the American Express secure site</p></div><div><ul><li><h4>Rewards</h4><p>Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases</p></li><li><h4>Welcome bonus</h4><p>Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.</p></li><li><h4>Annual fee</h4><p>$695</p></li><li><h4>Intro APR</h4><p>None</p></li><li><h4>Regular APR</h4><p>See Pay Over Time APR</p></li><li><h4>Balance transfer fee</h4><p>N/A</p></li><li><h4>Foreign transaction fee</h4><p>None</p></li><li><h4>Credit Needed</h4><p>Excellent/Good</p></li><li></li></ul></div></div></section><div><p><h2>Read more</h2></p></div><p>If you want a luxury travel card that's not invitation-only, the <a href="https://oc.brcclx.com/t/?lid=26667122&amp;cr=28495&amp;last_updated=1599683537">Chase Sapphire Reserve®</a> delivers a lot of value with an annual fee of $550. When cardholders take full advantage of Chase's welcome bonus, the $300 travel credit and generous rewards program, it is quite possible to make the fee completely worthwhile. The Sapphire Reserve lets you earn 10X points on Lyft rides through March 31<sup>st</sup>, 2025, 3X points on travel worldwide (once you earn your annual travel credit); 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. 3X points on dining at restaurants worldwide and 1X point per $1 on all other purchases.</p><section><h3><a href="https://oc.brcclx.com/t/?lid=26667122&amp;cr=28495&amp;last_updated=1599683537">Chase Sapphire Reserve®</a></h3><div><ul><li><h4>Rewards</h4><p>Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining &amp; 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025</p></li><li><h4>Welcome bonus</h4><p>Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.</p></li><li><h4>Annual fee</h4><p>$550</p></li><li><h4>Intro APR</h4><p>None</p></li><li><h4>Regular APR</h4><p>22.49% - 29.49% variable</p></li><li><h4>Balance transfer fee</h4><p>5%, minimum $5</p></li><li><h4>Foreign transaction fee</h4><p>None</p></li><li><h4>Credit needed</h4><p>Excellent</p></li><li><p>Terms apply.</p></li></ul></div></section><p>Others might prefer the <a href="https://oc.brcclx.com/t/?lid=26664526&amp;cr=24638&amp;last_updated=1538595674">American Express® Gold Card</a>, with its current welcome bonus of 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months of card membership. Terms apply. Benefits include statement credits for dining and ride-sharing services.</p><section><h3><a href="https://oc.brcclx.com/t/?lid=26664526&amp;cr=24638&amp;last_updated=1538595674">American Express® Gold Card</a></h3><div><div><p>On the American Express secure site</p></div><div><ul><li><h4>Rewards</h4><p>4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases</p></li><li><h4>Welcome bonus</h4><p>Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.</p></li><li><h4>Annual fee</h4><p>$250</p></li><li><h4>Intro APR</h4><p>Not applicable</p></li><li><h4>Regular APR</h4><p>See Pay Over Time APR</p></li><li><h4>Balance transfer fee</h4><p>N/A</p></li><li><h4>Foreign transaction fee</h4><p>None</p></li><li><h4>Credit needed</h4><p>Excellent/Good</p></li><li></li></ul></div></div></section><div><p><em>For rates and fees of the American Express® Gold Card, click </em><a href="https://oc.brcclx.com/t/?lid=26664531&amp;cr=28353&amp;last_updated=1598923399"><em>here</em></a><em>.</em></p><p><em>For rates and fees of The Platinum Card® from American Express, click </em><a href="https://oc.brcclx.com/t/?lid=26664556&amp;cr=28377&amp;last_updated=1598926898"><em>here</em></a><em>.</em></p><p><em>For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click </em><a href="https://oc.brcclx.com/t/?lid=26664541&amp;cr=26441&amp;last_updated=1580428007"><em>here</em></a><em>.</em></p><p><em>For rates and fees of the Delta SkyMiles® Reserve American Express Card, click </em><a href="https://oc.brcclx.com/t/?lid=26664533&amp;cr=28033&amp;last_updated=1598306653"><em>here</em></a><em>.</em></p><p><em>*No Annual Fee/No Foreign Transaction Fee - For New Accounts: Variable Purchase APRs are 24.74% or 28.74% for the Verizon Visa Credit Card or 21.74%, 24.74% or 28.74% for the Verizon Visa Signature Credit Card. APRs are accurate as of 10/1/22 and will vary with the market based on Prime Rate (as defined in your credit card agreement). Minimum Interest Charge is $2.</em></p><p><em>Click </em><a href="http://www.verizon.com/verizonvisacard"><em>here</em></a><em> for additional details on the Verizon Visa® Card.</em></p><p><em>Information about the American Express Centurion Card, Prime Visa and Dubai First Royale Mastercard has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. If you purchase something through the Prime Visa link, we may earn a commission.</em></p></div><p><strong>Editorial Note:</strong> Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.</p></div></div>||||I|||| Skip Navigation

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 Black credit cards are the ultimate status symbol — but what are they?

 CNBC Select uncovers the benefits of having a black card, who qualifies and whether they are worth it.

 Updated Thu, Mar 28 2024
 Megan DeMatteo
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 Sofie Delauw | Image Source | Getty Images

 Premium luxury credit cards, or "black cards," are the most exclusive credit cards on the market.

 There's a lot of mystery and myth surrounding these elite cards with wild stories of how the ultra-rich use them to make outlandish purchases, from the horse from "Dances with Wolves" to sand from the Dead Sea.

 While it's hard to know how many of those rumors are true, there are a few things we know for sure about black cards: they come with very high annual fees, they have very high spending requirements and they are not marketed toward the average consumer (sorry).

 But are black cards actually worth it?

 Below CNBC Select digs into the additional value of having a black card, who qualifies for a black card and other premium credit cards you might consider instead.

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 Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.

 What is a black card?

 The credit card most associated with the phrase "black card" is the Centurion® Card from American Express, or the "Amex Black Card." It was released in 1999 and created such a buzz that other card issuers wanted to create their own deluxe credit cards to reward their highest-spending customers.

 Enter the age of the black card. Now there are many alternatives to the Amex Centurion for consumers of all income levels and credit histories. Many premiere rewards cards have borrowed the black color for their best credit card products, and card issuers have found ways to make their most popular travel rewards cards feel upscale.

 The Amex Black Card helped launch the metal card trend, and these days many consumers have at least one metal card in their wallets. There are even no-annual-fee cards like the Verizon Visa® Card* and Prime Visa now that are made of metal. But a true black card is invitation-only and was designed for only the most top-tier spenders.

 Who can get a black card?

 It's hard to find precise information on exactly who qualifies for a black card. Some invitation-only credit cards, such as the Chase J.P. Morgan Reserve®, are an additional perk that comes if your assets are managed by a particular banking institution, while others require that you've been a cardholder with an issuer for a certain number of years.

 American Express allows existing Amex cardholders who are interested in Centurion membership to request consideration by filling out a short online form, but there are still no published qualifications.

 Regardless, you should expect to need an excellent credit score (scores of 800 and above) to qualify for a black card.

 How much do you have to spend to get a black card?

 There are very high spending requirements to get a black card. Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.

 The latest Census Household Income Report found the median American household income is $67,521 per year, which makes a minimum spending requirement in the six figures well out of reach. While the average consumer will likely never use a black card, there are now many affordable credit cards that offer welcome bonuses that have spending requirements as low as $500.

 What are the benefits of a black card?

 Some of the rewards offered by black cards are similar to what you get with more accessible, high-end cards, like The Platinum Card® from American Express or the Chase Sapphire Reserve® credit card. These include opportunities to quickly rack up points on travel, dining and shopping around the globe, plus other perks like exclusive airport lounge access.

 But the high-end perks that come with the ultra-elite black cards remain out of reach for even those who are willing to pay an annual fee to access the best international travel cards.

 The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service.

 In other cases, having a black card can help cardholders navigate the rigor of a high-demand business lifestyle with services like Royale Lifestyle Management which comes complimentary with the Dubai First Royale Mastercard.

 As for the original black card, Centurion cardholders have access to the Amex Centurion Lounges at airports like New York's John F. Kennedy Airport (JFK). These lounges offer travelers a place to relax with a full complimentary bar, spa services and premium amenities.

 However, Centurion customers aren't the only Amex cardholders who can access these lounges. Cardholders with the The Platinum Card from American Express (see rates and fees), The Business Platinum Card® from American Express (see rates and fees), Delta SkyMiles® Reserve American Express Card (see rates and fees) and Delta SkyMiles® Reserve Business American Express Card (see rates and fees) can also use the lounge when they pass through airports with Centurion lounges. (Note: Delta Skymiles Reserve card members are only eligible to visit the Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight.) Terms apply.

 Other rumored perks of the Centurion card include automatic Delta SkyMiles Platinum Medallion elite status, top-tier Hilton Honors Diamond elite status, access to the Centurion hotel program, an Equinox Destination Access gym membership and much more. American Express will also soon open an exclusive club in midtown Manhattan for Centurion cardholders. However, the points-earning rates are lackluster when compared to more accessible rewards cards. Reports also suggest that the Centurion card doesn't offer new card members a welcome bonus.

 Read more: These credit cards make flying easier by including lounge access and credits for expedited airport security

 How much does a black card cost?

 The fees for these exclusive cards vary quite a bit. In the case of the Dubai First Royale Mastercard, the card issuer doesn't disclose its annual fee publicly.

 It states in the Amex Centurion Black Card cardholder agreements that the annual fee is $5,000, and there is a one-time initiation fee of $10,000 when you sign up. And with the Chase J.P. Morgan Reserve®, sites such as Value Penguin report it has a $595 annual fee.

 What cards compare to a black card?

 It's been over two decades since Amex launched the original black card, and card issuers are increasingly offering more and more luxury perks at a more accessible price point to a larger portion of their customers.

 The biggest draw of elite rewards cards is the many travel benefits they offer. As mentioned above, the Amex Platinum card offers similar perks to that of the Black Card, like widespread airport lounge access, hotel elite status with Marriott and Hilton, credits towards an Equinox gym membership and more. Terms apply.

 The Platinum Card® from American Express

 Learn More
 On the American Express secure site

 * Rewards

 Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases

 * Welcome bonus

 Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.

 * Annual fee

 $695

 * Intro APR

 None

 * Regular APR

 See Pay Over Time APR

 * Balance transfer fee

 N/A

 * Foreign transaction fee

 None

 * Credit Needed

 Excellent/Good

 * See rates and fees, terms apply.

 Read our The Platinum Card® from American Express review.

 Read more

 The Amex Platinum now has a $695 annual fee: Is it still worth it?

 If you want a luxury travel card that's not invitation-only, the Chase Sapphire Reserve® delivers a lot of value with an annual fee of $550. When cardholders take full advantage of Chase's welcome bonus, the $300 travel credit and generous rewards program, it is quite possible to make the fee completely worthwhile. The Sapphire Reserve lets you earn 10X points on Lyft rides through March 31st, 2025, 3X points on travel worldwide (once you earn your annual travel credit); 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. 3X points on dining at restaurants worldwide and 1X point per $1 on all other purchases.

 Chase Sapphire Reserve®

 Learn More
 On Chase’s secure site

 * Rewards

 Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

 * Welcome bonus

 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

 * Annual fee

 $550

 * Intro APR

 None

 * Regular APR

 22.49% - 29.49% variable

 * Balance transfer fee

 5%, minimum $5

 * Foreign transaction fee

 None

 * Credit needed

 Excellent

 * Terms apply.

 Read our Chase Sapphire Reserve® review.

 Others might prefer the American Express® Gold Card, with its current welcome bonus of 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months of card membership. Terms apply. Benefits include statement credits for dining and ride-sharing services.

 American Express® Gold Card

 Learn More
 On the American Express secure site

 * Rewards

 4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

 * Welcome bonus

 Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

 * Annual fee

 $250

 * Intro APR

 Not applicable

 * Regular APR

 See Pay Over Time APR

 * Balance transfer fee

 N/A

 * Foreign transaction fee

 None

 * Credit needed

 Excellent/Good

 * See rates and fees, terms apply.

 Read our American Express® Gold Card review.

 For rates and fees of the American Express® Gold Card, click here.

 For rates and fees of The Platinum Card® from American Express, click here.

 For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click here.

 For rates and fees of the Delta SkyMiles® Reserve American Express Card, click here.

 *No Annual Fee/No Foreign Transaction Fee - For New Accounts: Variable Purchase APRs are 24.74% or 28.74% for the Verizon Visa Credit Card or 21.74%, 24.74% or 28.74% for the Verizon Visa Signature Credit Card. APRs are accurate as of 10/1/22 and will vary with the market based on Prime Rate (as defined in your credit card agreement). Minimum Interest Charge is $2.

 Click here for additional details on the Verizon Visa® Card.

 Information about the American Express Centurion Card, Prime Visa and Dubai First Royale Mastercard has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. If you purchase something through the Prime Visa link, we may earn a commission.

 Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
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Premium luxury credit cards, or "black cards," are the most exclusive credit cards on the market.  There's a lot of mystery and myth surrounding these elite cards with wild stories of how the ultra-rich use them to make outlandish purchases, from the horse from "Dances with Wolves" to sand from the Dead Sea. While it's hard to know how many of those rumors are true, there are a few things we know for sure about black cards: they come with very high annual fees, they have very high spending requirements and they are not marketed toward the average consumer (sorry). But are black cards actually worth it?  Below CNBC Select digs into the additional value of having a black card, who qualifies for a black card and other premium credit cards you might consider instead.    Subscribe to the Select Newsletter!  Our best selections in your inbox. Shopping recommendations that help upgrade your life, delivered weekly. Sign-up here.    What is a black card?  The credit card most associated with the phrase "black card" is the Centurion® Card from American Express, or the "Amex Black Card." It was released in 1999 and created such a buzz that other card issuers wanted to create their own deluxe credit cards to reward their highest-spending customers. Enter the age of the black card. Now there are many alternatives to the Amex Centurion for consumers of all income levels and credit histories. Many premiere rewards cards have borrowed the black color for their best credit card products, and card issuers have found ways to make their most popular travel rewards cards feel upscale. The Amex Black Card helped launch the metal card trend, and these days many consumers have at least one metal card in their wallets. There are even no-annual-fee cards like the Verizon Visa® Card* and Prime Visa now that are made of metal. But a true black card is invitation-only and was designed for only the most top-tier spenders.    Who can get a black card?  It's hard to find precise information on exactly who qualifies for a black card. Some invitation-only credit cards, such as the Chase J.P. Morgan Reserve®, are an additional perk that comes if your assets are managed by a particular banking institution, while others require that you've been a cardholder with an issuer for a certain number of years. American Express allows existing Amex cardholders who are interested in Centurion membership to request consideration by filling out a short online form, but there are still no published qualifications. Regardless, you should expect to need an excellent credit score (scores of 800 and above) to qualify for a black card.    How much do you have to spend to get a black card?  There are very high spending requirements to get a black card. Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder. The latest Census Household Income Report found the median American household income is $67,521 per year, which makes a minimum spending requirement in the six figures well out of reach. While the average consumer will likely never use a black card, there are now many affordable credit cards that offer welcome bonuses that have spending requirements as low as $500.    What are the benefits of a black card?  Some of the rewards offered by black cards are similar to what you get with more accessible, high-end cards, like The Platinum Card® from American Express or the Chase Sapphire Reserve®  credit card. These include opportunities to quickly rack up points on travel, dining and shopping around the globe, plus other perks like exclusive airport lounge access. But the high-end perks that come with the ultra-elite black cards remain out of reach for even those who are willing to pay an annual fee to access the best international travel cards. The privileges of a black card include upgrades and special permissions for rental cars and access to some of the most breathtaking hotel suites in hard-to-reach destinations. Black cards also offer dedicated concierge services, and some are even rumored to provide charter jet service. In other cases, having a black card can help cardholders navigate the rigor of a high-demand business lifestyle with services like Royale Lifestyle Management which comes complimentary with the Dubai First Royale Mastercard. As for the original black card, Centurion cardholders have access to the Amex Centurion Lounges at airports like New York's John F. Kennedy Airport (JFK). These lounges offer travelers a place to relax with a full complimentary bar, spa services and premium amenities.   However, Centurion customers aren't the only Amex cardholders who can access these lounges. Cardholders with the The Platinum Card from American Express (see rates and fees), The Business Platinum Card® from American Express (see rates and fees), Delta SkyMiles® Reserve American Express Card (see rates and fees) and Delta SkyMiles® Reserve Business American Express Card (see rates and fees) can also use the lounge when they pass through airports with Centurion lounges. (Note: Delta Skymiles Reserve card members are only eligible to visit the Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight.) Terms apply. Other rumored perks of the Centurion card include automatic Delta SkyMiles Platinum Medallion elite status, top-tier Hilton Honors Diamond elite status, access to the Centurion hotel program, an Equinox Destination Access gym membership and much more. American Express will also soon open an exclusive club in midtown Manhattan for Centurion cardholders. However, the points-earning rates are lackluster when compared to more accessible rewards cards. Reports also suggest that the Centurion card doesn't offer new card members a welcome bonus.    How much does a black card cost?   The fees for these exclusive cards vary quite a bit. In the case of the Dubai First Royale Mastercard, the card issuer doesn't disclose its annual fee publicly. It states in the Amex Centurion Black Card cardholder agreements that the annual fee is $5,000, and there is a one-time initiation fee of $10,000 when you sign up. And with the Chase J.P. Morgan Reserve®, sites such as Value Penguin report it has a $595 annual fee.    What cards compare to a black card?  It's been over two decades since Amex launched the original black card, and card issuers are increasingly offering more and more luxury perks at a more accessible price point to a larger portion of their customers.  The biggest draw of elite rewards cards is the many travel benefits they offer. As mentioned above, the Amex Platinum card offers similar perks to that of the Black Card, like widespread airport lounge access, hotel elite status with Marriott and Hilton, credits towards an Equinox gym membership and more. Terms apply.    The Platinum Card® from American Express    On the American Express secure site     Rewards Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year, 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel, 1X points on all other eligible purchases   Welcome bonus Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.   Annual fee $695   Intro APR None   Regular APR See Pay Over Time APR   Balance transfer fee N/A   Foreign transaction fee None   Credit Needed Excellent/Good          Read more   If you want a luxury travel card that's not invitation-only, the Chase Sapphire Reserve® delivers a lot of value with an annual fee of $550. When cardholders take full advantage of Chase's welcome bonus, the $300 travel credit and generous rewards program, it is quite possible to make the fee completely worthwhile. The Sapphire Reserve lets you earn 10X points on Lyft rides through March 31st, 2025, 3X points on travel worldwide (once you earn your annual travel credit); 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. 3X points on dining at restaurants worldwide and 1X point per $1 on all other purchases.   Chase Sapphire Reserve®     Rewards Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining &amp; 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025   Welcome bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.   Annual fee $550   Intro APR None   Regular APR 22.49% - 29.49% variable   Balance transfer fee 5%, minimum $5   Foreign transaction fee None   Credit needed Excellent   Terms apply.     Others might prefer the American Express® Gold Card, with its current welcome bonus of 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new card within the first 6 months of card membership. Terms apply. Benefits include statement credits for dining and ride-sharing services.   American Express® Gold Card    On the American Express secure site     Rewards 4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases   Welcome bonus Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.   Annual fee $250   Intro APR Not applicable   Regular APR See Pay Over Time APR   Balance transfer fee N/A   Foreign transaction fee None   Credit needed Excellent/Good          For rates and fees of the American Express® Gold Card, click   here  .   For rates and fees of The Platinum Card® from American Express, click   here  .   For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, click   here  .   For rates and fees of the Delta SkyMiles® Reserve American Express Card, click   here  .   *No Annual Fee/No Foreign Transaction Fee - For New Accounts: Variable Purchase APRs are 24.74% or 28.74% for the Verizon Visa Credit Card or 21.74%, 24.74% or 28.74% for the Verizon Visa Signature Credit Card. APRs are accurate as of 10/1/22 and will vary with the market based on Prime Rate (as defined in your credit card agreement). Minimum Interest Charge is $2.   Click   here   for additional details on the Verizon Visa® Card.   Information about the American Express Centurion Card, Prime Visa and Dubai First Royale Mastercard has been collected independently by Select and has not been reviewed or provided by the issuer of the card prior to publication. If you purchase something through the Prime Visa link, we may earn a commission.    Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.
Black credit cards are the ultimate status symbol — but what are they?
https://www.cnbc.com/select/what-is-a-black-card/
https://www.cardrates.com/advice/get-a-black-card/
How to Get a Black Card – American Express® Requirements (April 2024)
2020-10-17
Linsey Knerl
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<p>If you’ve heard the buzz surrounding the American Express® “Black Card,” you already know that it’s the velvet rope of consumer credit options. This invite-only charge card, technically named the Centurion® Card from American Express, has been used to proclaim status, both in spending and in creditworthiness.</p>
<p>With all the hype, you may be wondering how to get a Black Card for yourself. But what is a Black Card? And what does it take to get an invite to this members-only club?</p>
<p>While we know that it’s an elite card <a href="https://www.cardrates.com/advice/most-prestigious-credit-cards-used-millionaires/">used most often by celebrities and the ultra-rich</a>, with the card itself being made of anodized titanium, less is known about exactly how to get your hands on one. That said, there are rumors of some rather strict requirements that must be met.</p>
<p><a href="#heading1">Invitation Only</a>  |  <a href="#heading2">For the Ultra-Rich</a>  |  <a href="#heading3">10 “Easier to Get” Alternatives</a></p>
<p>Like most elite experiences, the AMEX Black Card is invite-only at the moment, with no indication that this will change anytime soon. Loyal American Express cardholders are likely the most commonly invited, a list that includes both long-time business and personal charge card customers.</p>
<p></p>
<p>Since there is no way to officially apply without an invite, your best bet is to check the requirements for members to see if your spending habits and qualifications match up. Most people realize that it’s not about knowing how to get a Black Card, but rather managing the very strict thresholds for eligibility.</p>
<p>If you’re the type to spend <em>hundreds of thousands a year</em> on a credit card, you can <a href="https://iforms.americanexpress.com/iFormsSecure/un/iforms.do?cuid=centurionEx_en_US&amp;evtsrc=link&amp;evttype=0&amp;intlink=loginpageEOI">request consideration</a> for an invitation directly from Amex. This card offers unique perks for members, including access to airline lounges and VIP treatments at spas and hotels.</p>
<p>If you’ve decided you probably can’t get your hands on the elusive Centurion card anytime soon, check out the <a href="https://www.cardrates.com/official-website/?offer=49613">Mastercard® Black Card™</a>. This card has a long list of perks and can be applied for by anyone who has excellent credit:</p>
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<p>While the Mastercard version of the Black Card isn’t made of titanium, it is a black PVD-coated metal card that looks the part. It also comes with concierge 24/7 benefits to help you tackle day-to-day tasks.</p>
<p>According to the Luxury Card website, a couple from Denver used the Luxury Card Concierge service to help them determine the best school districts and narrow down their search for a new home.</p>
<p>Credit scores are one of the most important factors in getting a great credit card offer, and the Black Card is no different. The card, available to just 0.1% of the population, according to The Motley Fool, would most likely only be offered to those who can handle its spending power.</p>
<p>While the jury is out on what the exact cut-off is for a qualifying credit score, common sense would dictate that you <a href="https://www.cardrates.com/advice/high-limit-credit-cards-for-excellent-credit/">must have an excellent credit score</a> and established history of spending and payments with an existing American Express®= card to even be considered for this premium offer.</p>
<p>In the end, though, it’s mostly about how much you spend. The typical card user won’t be using their card in a way that meets Black Card requirements because most people don’t spend that much.</p>
<p></p>
<p>While it’s rumored that only cardholders of <a href="https://www.cardrates.com/official-website/?offer=68356">The Platinum Card®</a> would have the credit lines available to push spending to the limits of qualifying for a Black Card, the purported $250,000 a year in purchases and payoffs required can likely come from any qualifying card.</p>
<p>No matter what card you use, however, it’s obvious that you need the income to both buy and repay a massive amount of goods and services to be Black Card material.</p>
<p>In addition to the high spending thresholds needed to be invited and maintain your status, there is a cost to join, as well. The <a href="https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/centurion/centurion-card-11-01-2019.pdf">initiation fee is $10,000</a> on top of a $5,000 annual fee. That means the perks you use must likely be high valued enough to make it worth the cost.</p>
<p>If you haven’t received a Black Card invitation and don’t happen to be a millionaire with a near-perfect credit score, that’s quite alright. There are many other cards that offer robust credit lines, awesome rewards, and other great features for the rest of us, including the <a href="https://www.cardrates.com/official-website/?offer=49613">Mastercard® Black Card™</a> mentioned above.</p>
<p>Here are some more of our favorite alternatives to the AMEX Black Card, along with links to each card’s online application:</p>
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<p><strong>Additional Disclosure: </strong><em>Bank of America is a CardRates advertiser.</em></p>
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<p>For those wondering just how to get a Black Card, the answer is pretty obvious (and pricey!): spend often, and on big purchases, with the intent to pay back promptly. If you find that you don’t meet the posh requirements of the American Express® Centurion card, you may want to consider your alternatives.</p>
<p><a href="https://www.cardrates.com/reviews/visa/">VISA</a> and <a href="https://www.cardrates.com/reviews/mastercard/">Mastercard</a> have their own cards with elite characteristics, and they may be more open to new recruits. Many of these alternatives offer appealing benefits and rewards that the average user will find very valuable.</p>
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<p>Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.</p>
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<p>Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in <b>Investopedia</b>, <b>PC Mag</b>, <b>The Christian Science Monitor</b>, <b>TIME</b>, <b>Wise Bread</b>, <b>Next Avenue</b>, <b>MSN Money</b>, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.</p>
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 home > Credit Card Advice

 How to Get a Black Card – American Express® Requirements (April 2024)

 Written by: Linsey Knerl

 Linsey Knerl

 Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in Investopedia, PC Mag, The Christian Science Monitor, TIME, Wise Bread, Next Avenue, MSN Money, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.

 See full bio »

 Edited by: Lillian Guevara-Castro

 Lillian Guevara-Castro

 Lillian Guevara-Castro brings more than 30 years of editing and journalism experience to the CardRates team. She has written and edited for major news organizations, including The Atlanta Journal-Constitution and the New York Times, and she previously served as an adjunct journalism instructor at the University of Florida. Today, Lillian edits all CardRates content for clarity, accuracy, and reader engagement.

 See full bio »

 Updated: April 16, 2024

 If you’ve heard the buzz surrounding the American Express® “Black Card,” you already know that it’s the velvet rope of consumer credit options. This invite-only charge card, technically named the Centurion® Card from American Express, has been used to proclaim status, both in spending and in creditworthiness.

 With all the hype, you may be wondering how to get a Black Card for yourself. But what is a Black Card? And what does it take to get an invite to this members-only club?

 While we know that it’s an elite card used most often by celebrities and the ultra-rich, with the card itself being made of anodized titanium, less is known about exactly how to get your hands on one. That said, there are rumors of some rather strict requirements that must be met.

 Invitation Only | For the Ultra-Rich | 10 “Easier to Get” Alternatives

 Sorry, Black Cards Are By Invitation Only. But There’s Another “Black Card” You Can Apply For.

 Like most elite experiences, the AMEX Black Card is invite-only at the moment, with no indication that this will change anytime soon. Loyal American Express cardholders are likely the most commonly invited, a list that includes both long-time business and personal charge card customers.

 Since there is no way to officially apply without an invite, your best bet is to check the requirements for members to see if your spending habits and qualifications match up. Most people realize that it’s not about knowing how to get a Black Card, but rather managing the very strict thresholds for eligibility.

 If you’re the type to spend hundreds of thousands a year on a credit card, you can request consideration for an invitation directly from Amex. This card offers unique perks for members, including access to airline lounges and VIP treatments at spas and hotels.

 If you’ve decided you probably can’t get your hands on the elusive Centurion card anytime soon, check out the Mastercard® Black Card™. This card has a long list of perks and can be applied for by anyone who has excellent credit:

 Mastercard® Black Card™

 at Barclays Bank'ssecure website

 BEST OVERALL RATING

 ★★★★★

 4.5

 OVERALL RATING

 4.5/5.0
 Our Review »
 * Ideal for those seeking a premium travel card that doubles as an everyday workhorse, paired with elevated service beyond the ordinary. Leave behind the hassle of juggling various cards and monthly statements, while finding peace of mind with protection benefits that exceeds standard credit cards.
 * Flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Earn one point for every dollar spent. Straightforward redemption without needing a high-maintenance reward strategy. No foreign transaction fees, no earning caps, no rotating categories, and no need to chase down transfer partners to escape very low point values.
 * Annual Airline Credit—up to $100 in statement credits toward flight-related purchases including airline tickets, baggage fees, upgrades and more. Just pay for airline purchases with your Mastercard Black Card and we will automatically apply the credit to your account. That’s it. No need to activate or designate an airline. The credit amount is available in full at the start of the calendar year.
 * Up to a $100 application fee credit for the cost of TSA Pre✓® or Global Entry. Also, enjoy automatic enrollment in Priority Pass™ Select with access to 1,300+ airport lounges worldwide with no guest or lounge limits. Includes credits at select airport restaurants for cardholder and one guest.
 * 24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incure no charge for making them, and do not involve department transfers.
 * Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
 * Black PVD-Coated Metal Card: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
 * Annual Fee: $495 ($195 for each Authorized User). Terms and conditions apply.
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers)   Regular APR Annual Fee Credit Needed
 N/A 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening. 21.24%, 25.43% or 28.24% $495 ($195 for each Authorized User added to the account) Excellent 
 

 While the Mastercard version of the Black Card isn’t made of titanium, it is a black PVD-coated metal card that looks the part. It also comes with concierge 24/7 benefits to help you tackle day-to-day tasks.

 According to the Luxury Card website, a couple from Denver used the Luxury Card Concierge service to help them determine the best school districts and narrow down their search for a new home.

 Centurion Card Requirements: For One, Be a Multi-Millionaire

 Credit scores are one of the most important factors in getting a great credit card offer, and the Black Card is no different. The card, available to just 0.1% of the population, according to The Motley Fool, would most likely only be offered to those who can handle its spending power.

 While the jury is out on what the exact cut-off is for a qualifying credit score, common sense would dictate that you must have an excellent credit score and established history of spending and payments with an existing American Express®= card to even be considered for this premium offer.

 In the end, though, it’s mostly about how much you spend. The typical card user won’t be using their card in a way that meets Black Card requirements because most people don’t spend that much.

 While it’s rumored that only cardholders of The Platinum Card® would have the credit lines available to push spending to the limits of qualifying for a Black Card, the purported $250,000 a year in purchases and payoffs required can likely come from any qualifying card.

 No matter what card you use, however, it’s obvious that you need the income to both buy and repay a massive amount of goods and services to be Black Card material.

 In addition to the high spending thresholds needed to be invited and maintain your status, there is a cost to join, as well. The initiation fee is $10,000 on top of a $5,000 annual fee. That means the perks you use must likely be high valued enough to make it worth the cost.

 10 Black Card Alternatives

 If you haven’t received a Black Card invitation and don’t happen to be a millionaire with a near-perfect credit score, that’s quite alright. There are many other cards that offer robust credit lines, awesome rewards, and other great features for the rest of us, including the Mastercard® Black Card™ mentioned above.

 Here are some more of our favorite alternatives to the AMEX Black Card, along with links to each card’s online application:

 1. Chase Sapphire Reserve®

 at Chase'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.7

 OVERALL RATING

 4.7/5.0
 Our Review »
 * Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
 * $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
 * Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
 * Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
 * 1:1 point transfer to leading airline and hotel loyalty programs
 * Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™; Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 
 N/A N/A 22.49%-29.49% Variable $550 Good/Excellent
 

 2. The Platinum Card®

 at the issuer'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.8

 OVERALL RATING

 4.7/5.0
 * Earn 150,000 Membership Rewards® points after you use your new card to make $8,000 in purchases in your first 6 months of Card Membership
 * Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases.
 * $200 annual hotel credit, $200 annual airline fee credit, $25 monthly Equinox credit, $15 monthly Uber cash credit, $50 bi-annual Saks Fifth Avenue credit, and more.
 * Platinum Card Members have unlimited complimentary access to all locations of The Global Lounge Collection, including 1,400 airport lounges across 140 countries.
 * Automatic Marriott Bonvoy Gold Elite Status and Hilton Honors Gold Status. Enrollment required.
 * Choose among three card designs
 * See application, terms and details.
 See Rates & Fees
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed
 N/A N/A 21.24% - 29.24% Pay Over Time $695 Excellent 
 

 3. Capital One Venture X Rewards Credit Card

 EXCELLENT CREDIT RATING

 ★★★★★

 4.7

 OVERALL RATING

 4.7/5.0
 Our Review »
 * Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
 * Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
 * Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
 * Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
 * Earn unlimited 2X miles on all other purchases
 * Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
 * See application, terms and details.
 See Rates & Fees
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed
 N/A N/A 19.99% - 29.99% (Variable) $395 Excellent 
 

 4. U.S. Bank Altitude® Reserve Visa Infinite® Card

 at the issuer'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.7

 OVERALL RATING

 4.7/5.0
 * Earn 50,000 bonus points worth $750 on travel when you spend $4,500 in the first 90 days of account opening.
 * Earn 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center.
 * Earn 3X points for every $1 spent on eligible travel purchases and 3X points on eligible mobile wallet purchases
 * Complimentary 12-month Priority Pass™ Select membership that gives access to more than 1,500 VIP lounges worldwide
 * Get reimbursed up to $325 annual credits for eligible travel purchases and dining, takeout, and restaurant delivery purchases
 * $400 Annual Fee
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed
 N/A N/A 22.24% - 29.24% (Variable) $400 Excellent 
 

 5. Bank of America® Premium Rewards® credit card

 at Bank Of America'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.6

 OVERALL RATING

 4.6/5.0
 Our Review »
 * Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
 * Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
 * If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
 * Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
 * Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
 * Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
 * No foreign transaction fees.
 * Low $95 annual fee.
 * This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 
 N/A N/A 20.24% - 27.24% Variable APR on purchases and balance transfers $95 Excellent/Good
 

 Additional Disclosure: Bank of America is a CardRates advertiser.

 6. Chase Sapphire Preferred® Card

 at Chase'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.9

 OVERALL RATING

 4.9/5.0
 Our Review »
 * Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
 * Enjoy beneﬁts such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
 * Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
 * Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
 * Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
 * Member FDIC
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 
 N/A N/A 21.49%-28.49% Variable $95 Good/Excellent
 

 7. Capital One Venture Rewards Credit Card

 EXCELLENT CREDIT RATING

 ★★★★★

 4.8

 OVERALL RATING

 4.8/5.0
 Our Review »
 * Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
 * Earn unlimited 2X miles on every purchase, every day
 * Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
 * Miles won't expire for the life of the account and there's no limit to how many you can earn
 * Receive up to a $100 credit for Global Entry or TSA PreCheck®
 * Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
 * See application, terms and details.
 See Rates & Fees
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 
 N/A N/A 19.99% - 29.99% (Variable) $95 Excellent, Good
 

 8. American Express® Gold Card

 at the issuer'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.8

 OVERALL RATING

 4.8/5.0
 * Earn 90,000 Membership Rewards® points after you spend $6,000 on purchases on your new card in your first 6 months of card membership
 * Earn 4X Points at U.S. supermarkets on up to $25,000 per calendar year in purchases. Also earn 4X Points at restaurants, including takeout and delivery, and 3X points on flights when booked directly with airlines or on amextravel.com. All other eligible purchases earn 1X point.
 * No foreign transaction fees
 * Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
 * Delight your senses when you book The Hotel Collection with American Express Travel. Get a $100 experience credit to use during your stay. Minimum 2-night stay is required.
 * $250 Annual Fee
 * See application, terms and details.
 See Rates & Fees
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed
 N/A N/A 21.24% - 29.24% Pay Over Time $250 Excellent 
 

 9. HSBC Elite Credit Card

 at the issuer'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.7

 OVERALL RATING

 4.6/5.0
 * Earn 50,000 Rewards Bonus Points worth $750 in airfare – when booked online through HSBC Travel – after spending $4,000 in the first 3 months of account opening
 * You’ll earn 3X Rewards Points on new travel purchases – including airline, hotels, and car rentals -- 2X Points on new dining purchases, and 1X Points on all other purchases
 * Receive up to $400 in travel credits per year for all airfare, hotels, and car rentals booked through HSBC Travel
 * You and one guest enjoy complimentary, unlimited access to 1,000+ airport lounges provided by LoungeKey™
 * Take 3 rides per month and receive a $5 Lyft App credit
 * Provides reimbursements up to $800 per claim if your cellphone is stolen or damaged
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed
 N/A N/A 21.24% - 25.24% (Variable) $395 Excellent 
 

 10. Chase Freedom Unlimited®

 at Chase'ssecure website

 EXCELLENT CREDIT RATING

 ★★★★★

 4.9

 OVERALL RATING

 4.9/5.0
 Our Review »
 * INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
 * Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
 * After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
 * No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
 * Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
 * No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
 * See application, terms and details.
 Intro (Purchases) Intro (Transfers) Regular APR Annual Fee Credit Needed 
 0% Intro APR on Purchases 15 months 0% Intro APR on Balance Transfers 15 months 20.49% - 29.24% Variable $0 Good/Excellent
 

 + See More Cards For Excellent Credit

 Final Thoughts

 For those wondering just how to get a Black Card, the answer is pretty obvious (and pricey!): spend often, and on big purchases, with the intent to pay back promptly. If you find that you don’t meet the posh requirements of the American Express® Centurion card, you may want to consider your alternatives.

 VISA and Mastercard have their own cards with elite characteristics, and they may be more open to new recruits. Many of these alternatives offer appealing benefits and rewards that the average user will find very valuable.

 Advertiser Disclosure

 CardRates.com is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across CardRates.com (including, for example, the order in which they appear). CardRates.com does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

 Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.

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 About the Author

 Linsey Knerl

 Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in Investopedia, PC Mag, The Christian Science Monitor, TIME, Wise Bread, Next Avenue, MSN Money, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.

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If you’ve heard the buzz surrounding the American Express® “Black Card,” you already know that it’s the velvet rope of consumer credit options. This invite-only charge card, technically named the Centurion® Card from American Express, has been used to proclaim status, both in spending and in creditworthiness.
With all the hype, you may be wondering how to get a Black Card for yourself. But what is a Black Card? And what does it take to get an invite to this members-only club?
While we know that it’s an elite card used most often by celebrities and the ultra-rich, with the card itself being made of anodized titanium, less is known about exactly how to get your hands on one. That said, there are rumors of some rather strict requirements that must be met.
 Invitation Only  |  For the Ultra-Rich  |  10 “Easier to Get” Alternatives 
Like most elite experiences, the AMEX Black Card is invite-only at the moment, with no indication that this will change anytime soon. Loyal American Express cardholders are likely the most commonly invited, a list that includes both long-time business and personal charge card customers.
 
Since there is no way to officially apply without an invite, your best bet is to check the requirements for members to see if your spending habits and qualifications match up. Most people realize that it’s not about knowing how to get a Black Card, but rather managing the very strict thresholds for eligibility.
If you’re the type to spend hundreds of thousands a year on a credit card, you can request consideration for an invitation directly from Amex. This card offers unique perks for members, including access to airline lounges and VIP treatments at spas and hotels.
If you’ve decided you probably can’t get your hands on the elusive Centurion card anytime soon, check out the Mastercard® Black Card™. This card has a long list of perks and can be applied for by anyone who has excellent credit:
 
BEST OVERALL RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
While the Mastercard version of the Black Card isn’t made of titanium, it is a black PVD-coated metal card that looks the part. It also comes with concierge 24/7 benefits to help you tackle day-to-day tasks.
According to the Luxury Card website, a couple from Denver used the Luxury Card Concierge service to help them determine the best school districts and narrow down their search for a new home.
Credit scores are one of the most important factors in getting a great credit card offer, and the Black Card is no different. The card, available to just 0.1% of the population, according to The Motley Fool, would most likely only be offered to those who can handle its spending power.
While the jury is out on what the exact cut-off is for a qualifying credit score, common sense would dictate that you must have an excellent credit score and established history of spending and payments with an existing American Express®= card to even be considered for this premium offer.
In the end, though, it’s mostly about how much you spend. The typical card user won’t be using their card in a way that meets Black Card requirements because most people don’t spend that much.
 
While it’s rumored that only cardholders of The Platinum Card® would have the credit lines available to push spending to the limits of qualifying for a Black Card, the purported $250,000 a year in purchases and payoffs required can likely come from any qualifying card.
No matter what card you use, however, it’s obvious that you need the income to both buy and repay a massive amount of goods and services to be Black Card material.
In addition to the high spending thresholds needed to be invited and maintain your status, there is a cost to join, as well. The initiation fee is $10,000 on top of a $5,000 annual fee. That means the perks you use must likely be high valued enough to make it worth the cost.
If you haven’t received a Black Card invitation and don’t happen to be a millionaire with a near-perfect credit score, that’s quite alright. There are many other cards that offer robust credit lines, awesome rewards, and other great features for the rest of us, including the Mastercard® Black Card™ mentioned above.
Here are some more of our favorite alternatives to the AMEX Black Card, along with links to each card’s online application:
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
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EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
 Additional Disclosure:  Bank of America is a CardRates advertiser. 
EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
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EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
EXCELLENT CREDIT RATING 
★★★★★ 
  
OVERALL RATING
  
   
 
 
 
 
 
 
 
 
 
 
 
  + See More Cards For Excellent Credit  
For those wondering just how to get a Black Card, the answer is pretty obvious (and pricey!): spend often, and on big purchases, with the intent to pay back promptly. If you find that you don’t meet the posh requirements of the American Express® Centurion card, you may want to consider your alternatives.
 VISA and Mastercard have their own cards with elite characteristics, and they may be more open to new recruits. Many of these alternatives offer appealing benefits and rewards that the average user will find very valuable.
 
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
Linsey Knerl is a finance author and public speaker with a passion for helping everyday families earn more and live better. Her work can be seen in Investopedia, PC Mag, The Christian Science Monitor, TIME, Wise Bread, Next Avenue, MSN Money, and numerous other leading outlets. Her expertise lies in business economics, credit scores and reports, and saving and budgeting. Linsey has shared her financial knowledge with audiences at SXSW, FinCon, and the ASJA annual NYC convention.
How to Get a Black Card – American Express® Requirements (April 2024)
https://www.cardrates.com/advice/get-a-black-card/
https://en.wikipedia.org/wiki/Centurion_Card
Centurion Card - Wikipedia
2004-11-19
None
<div><div>
	<p>From Wikipedia, the free encyclopedia</p>
	</div><div>
<p>Not to be confused with the similarly named but legally distinct <a href="/wiki/Luxury_Card#Products_and_services">Black Card</a> issued by <a href="/wiki/Luxury_Card">Luxury Card</a>.</p>
<div><p><a href="/wiki/File:American_Express_Centurion_Card_back.jpg"></a></p><div><p>The back of a Centurion Card with <a href="/wiki/EMV">EMV</a>, 2010</p></div></div>
<p>The<b> American Express Centurion Card</b>, colloquially known as the <b>Black Card</b>, is a <a href="/wiki/Charge_card">charge card</a> issued by <a href="/wiki/American_Express">American Express</a>.<sup><a href="#cite_note-1">[1]</a></sup><sup><a href="#cite_note-:0-2">[2]</a></sup> It is reserved for the company's wealthiest clients who meet certain <a href="/wiki/Net_worth">net worth</a>, credit quality, and spending requirements on its <a href="/wiki/Credit_card#Specialized_types">gateway card</a>, the <a href="/wiki/American_Express#Consumer_cards">Platinum Card</a>.<sup><a href="#cite_note-Luxury-3">[3]</a></sup><sup><a href="#cite_note-4">[4]</a></sup> The firm does not disclose the exact requirements to receive an invitation to carry the card. The Centurion Card is minted out of <a href="/wiki/Anodizing">anodized</a> <a href="/wiki/Titanium">titanium</a>, <a href="/wiki/Laser_cutting">laser</a>-engraved, and accented with <a href="/wiki/Stainless_steel">stainless steel</a>. The card reports to <a href="/wiki/Credit_bureau">credit bureaus</a> and does not maintain a pre-set <a href="/wiki/Credit_limit">credit limit</a>. It is considered a <a href="/wiki/Status_symbol">status symbol</a> among the affluent.<sup><a href="#cite_note-5">[5]</a></sup><sup><a href="#cite_note-6">[6]</a></sup>
</p>
<h2>History[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=1">edit</a>]</h2>
<p>In 1988, an article in <i><a href="/wiki/The_Wall_Street_Journal">The Wall Street Journal</a></i> newspaper reported that an exclusive black American Express membership card that was never advertised had been discontinued a year earlier. The article claimed that during a trial run that lasted almost four years, the card "was held by an ultra-select group of consumers who numbered fewer than 1,000 around the world."<sup><a href="#cite_note-7">[7]</a></sup><sup>[<i><a href="/wiki/Wikipedia:Reliable_sources">unreliable source?</a></i>]</sup> Lee Middleton, a spokesman for American Express, confirmed the card's existence to the <i>Journal</i> and said that it was given to clients who had a "substantial banking relationship" with American Express Bank Ltd., the New York parent of American Express's bank subsidiaries in Switzerland. Services included "dispatching limousines or helicopters for clients, booking their vacations and finding medical care in exotic places." Middleton said American Express abandoned the black card in 1987 because the newly introduced Platinum Card offered "95% of the black card's services." In 1999, American Express introduced the Centurion Card, a black charge card aimed at the company's wealthiest cardholders.<sup><a href="#cite_note-:0-2">[2]</a></sup> In a 2018 episode of the <a href="/wiki/Netflix">Netflix</a> show <i><a href="/wiki/Comedians_in_Cars_Getting_Coffee">Comedians in Cars Getting Coffee</a></i>, <a href="/wiki/Jerry_Seinfeld">Jerry Seinfeld</a>, who appeared in American Express commercials in the 1990s, claimed to have received the first Centurion card after contacting the company's president about the rumored existence of an exclusive black card.<sup><a href="#cite_note-:0-2">[2]</a></sup>
</p>
<div>
<blockquote>
<p>I was waiting for [the crew] to move some cameras, and the crew guy comes up me, he says, "You got the black card?" And I go "No, what’s the black card?" He says, "There’s only three in the world. The <a href="/wiki/Sultan_of_Brunei">Sultan of Brunei</a> has one, the president of American Express has one, and I thought you would have the third one." Next morning I call the president of American Express. I go, "Is there a black card?" He says, "It's just a rumor. It doesn't exist." He said, "But you know what? It's not a bad idea." And so they developed it, and they gave me the first one.
</p>
</blockquote>
<p><cite><a href="/wiki/Jerry_Seinfeld">Jerry Seinfeld</a>, <i><a href="/wiki/Comedians_in_Cars_Getting_Coffee">Comedians in Cars Getting Coffee</a></i>, "A Hooker in the Rain"</cite>
</p>
</div>
<p>Doug Smith, the director of American Express in Europe, told the fact-checking website <a href="/wiki/Snopes.com">Snopes.com</a> that there "had been rumors going around that we had this ultra-exclusive black card for elite customers. It wasn't true, but we decided to capitalize on the idea anyway. So far we've had a customer buy a Bentley and another charter a jet." The website lists unverified descriptions of cardholder requests, such as dispatching a motorcycle rider to the shores of the Dead Sea to retrieve a handful of sand and couriering it back to London for a child's school project.<sup><a href="#cite_note-8">[8]</a></sup> In 2009, <a href="/wiki/Luxury_Card">Luxury Card</a> successfully registered "Black Card" as a U.S. <a href="/wiki/Trademark">trademark</a>. <a href="/wiki/American_Express">American Express</a> later sued as the name was similar to its Centurion Card, which it contended was widely known as the "Black Card."<sup><a href="#cite_note-9">[9]</a></sup> The <a href="/wiki/United_States_District_Court_for_the_Southern_District_of_New_York">U.S. District Court for the Southern District of New York</a> ruled that Black Card, LLC's trademark of the name "Black Card" should be canceled on grounds that it was merely descriptive.<sup><a href="#cite_note-10">[10]</a></sup> As of 2019, it uses the registered trademark under license.
</p><p>Since its introduction, the Centurion card has only been issued to clients invited by American Express to apply for it. The selection criteria the company uses to identify potential cardholders has been subject to speculation. Select media reports speculate an annual spending requirement of $100,000 to $250,000 on the Platinum Card to be considered for eligibility.<sup><a href="#cite_note-frankel-12">[12]</a></sup><sup><a href="#cite_note-Luxury-3">[3]</a></sup> In most countries where the card is issued, it's made of <a href="/wiki/Anodize">anodized</a> <a href="/wiki/Titanium">titanium</a><sup><a href="#cite_note-Luxury-3">[3]</a></sup> with the information and numbers <a href="/wiki/Laser_engraving">laser etched</a> into the metal. In some locations, such as Israel, <a href="/wiki/EMV">EMV</a> "chip" <a href="/wiki/Plastic_card">plastic cards</a>, which also include the <a href="/wiki/ExpressPay">ExpressPay</a> <a href="/wiki/Contactless_payment">contactless payment</a> technology, are issued. The Centurion Card comes in personal and business variants.<sup><a href="#cite_note-13">[13]</a></sup><sup><a href="#cite_note-adinternational.be-14">[14]</a></sup>
</p><p>The largest known purchase made with the Centurion card is the <i><a href="/wiki/Nu_couch%C3%A9">Nu couché</a></i> painting by <a href="/wiki/Amedeo_Modigliani">Amedeo Modigliani</a>, which businessman <a href="/wiki/Liu_Yiqian">Liu Yiqian</a> bought for US$170,405,000 at a <a href="/wiki/Christie%27s">Christie's</a> auction in New York in 2015.<sup><a href="#cite_note-15">[15]</a></sup><sup><a href="#cite_note-16">[16]</a></sup><sup><a href="#cite_note-17">[17]</a></sup>
</p>
<h2>Features[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=2">edit</a>]</h2>
<h3>Fees[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=3">edit</a>]</h3>
<table>
<tbody><tr>
<th>Country/Region</th>
<th>Annual fee/limit
</th></tr>
<tr>
<td><a href="/wiki/United_States">United States</a>
</td>
<td><a href="/wiki/United_States_dollar">US$</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>5,000 for each additional card member) plus one-time joining fee of <a href="/wiki/United_States_dollar">US$</a>10,000<sup><a href="#cite_note-18">[18]</a></sup>
</td></tr>
<tr>
<td><a href="/wiki/United_Kingdom">United Kingdom</a>
</td>
<td><a href="/wiki/Pound_sterling">£</a>2,200 (<a href="/wiki/United_States_dollar">US$</a>3,014) (no pre-set credit limit) plus one-time joining fee of <a href="/wiki/Pound_sterling">£</a>2,500
</td></tr>
<tr>
<td><a href="/wiki/Canada">Canada</a>
</td>
<td><a href="/wiki/Canadian_dollar">Can$</a>2,500 (<a href="/wiki/United_States_dollar">US$</a>2,000) plus one-time fee of <a href="/wiki/Canadian_dollar">Can$</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>4,000)
</td></tr>
<tr>
<td><a href="/wiki/India">India</a>
</td>
<td><a href="/wiki/Indian_rupee">₹</a>236,000 (<a href="/wiki/United_States_dollar">US$</a>3,185) plus one time fees of <a href="/wiki/Indian_rupee">₹</a>836,000 (<a href="/wiki/United_States_dollar">US$</a>11,282) with GST
</td></tr>
<tr>
<td><a href="/wiki/France">France</a>, <a href="/wiki/Spain">Spain</a>, <a href="/wiki/Belgium">Belgium</a>, <a href="/wiki/Italy">Italy</a>, <a href="/wiki/Netherlands">Netherlands</a>
</td>
<td><a href="/wiki/Euro">€</a>3,000 (<a href="/wiki/United_States_dollar">US$</a>3,548) plus one time fee €3,000 (Italy, Netherlands)
</td></tr>
<tr>
<td><a href="/wiki/Germany">Germany</a>, <a href="/wiki/Austria">Austria</a>
</td>
<td><a href="/wiki/Euro">€</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>5,914) plus one-time fee of <a href="/wiki/Euro">€</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>5,914)
</td></tr>
<tr>
<td><a href="/wiki/Switzerland">Switzerland</a>
</td>
<td><a href="/wiki/Swiss_franc">SFr</a> 4,200 (<a href="/wiki/United_States_dollar">US$</a>4,615) (no pre-set credit limit)
</td></tr>
<tr>
<td><a href="/wiki/Australia">Australia</a>
</td>
<td><a href="/wiki/Australian_dollar">A$</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>3,759) (increased from <a href="/wiki/Australian_dollar">A$</a>4,300 (<a href="/wiki/United_States_dollar">US$</a>3,233), effective 11 July 2012) plus one-time fee of <a href="/wiki/Australian_dollar">A$</a>5,000 (<a href="/wiki/United_States_dollar">US$</a>3,759), effective 11 July 2012
</td></tr>
<tr>
<td><a href="/wiki/Japan">Japan</a>
</td>
<td><a href="/wiki/Japanese_yen">¥</a>365,000 (<a href="/wiki/United_States_dollar">US$</a>3,326) (increased from <a href="/wiki/Japanese_yen">¥</a>197,000 (<a href="/wiki/United_States_dollar">US$</a>1,795), effective 1 January 2008)
</td></tr>
<tr>
<td><a href="/wiki/Hong_Kong">Hong Kong</a>
</td>
<td><a href="/wiki/Hong_Kong_dollar">HK$</a>38,800 (<a href="/wiki/United_States_dollar">US$</a>4,994) plus one time fee of 4994 (increase from <a href="/wiki/Hong_Kong_dollar">HK$</a>19,800 (<a href="/wiki/United_States_dollar">US$</a>2,548), effective 30 May 2013)
</td></tr>
<tr>
<td><a href="/wiki/South_Korea">South Korea</a> (<a href="/wiki/Republic_of_Korea">Republic of Korea</a>)
</td>
<td><a href="/wiki/South_Korean_won">₩</a>3,000,000 (<a href="/wiki/United_States_dollar">US$</a>2,622), no pre-set credit limit
</td></tr>
<tr>
<td><a href="/wiki/China">China</a> (<a href="/wiki/People%27s_Republic_of_China">People's Republic of China</a>)
</td>
<td><a href="/wiki/Renminbi">RMB</a> 18,000 (<a href="/wiki/United_States_dollar">US$</a>2,791) issued by <a href="/wiki/Industrial_and_Commercial_Bank_of_China">Industrial and Commercial Bank of China</a> (ICBC) and <a href="/wiki/China_Merchants_Bank">China Merchants Bank</a> (CMB) pursuant to a license from American Express. <br /><a href="/wiki/Renminbi">RMB</a> 36,000 (<a href="/wiki/United_States_dollar">US$</a>5,581) issued by <a href="/wiki/China_Minsheng_Bank">China Minsheng Bank</a> (CMBC) pursuant to a license from American Express.<sup><a href="#cite_note-19">[19]</a></sup>
</td></tr>
<tr>
<td><a href="/wiki/Singapore">Singapore</a>
</td>
<td><a href="/wiki/Singapore_dollar">S$</a>7,490 (<a href="/wiki/United_States_dollar">US$</a>5,590) (no pre-set credit limit) plus one-time joining fee of <a href="/wiki/Singapore_dollar">S$</a>7,490 (<a href="/wiki/United_States_dollar">US$</a>5,590)
</td></tr>
<tr>
<td><a href="/wiki/Kuwait">Kuwait</a>
</td>
<td><a href="/wiki/United_States_dollar">US$</a>4,000 for Titanium-based Centurion. Issued by <a href="/wiki/American_Express">American Express</a> <a href="/wiki/Middle_East">Middle East</a> (<a href="/wiki/Bahrain">Bahrain</a>) (Same applies for <a href="/wiki/Bahrain">Bahrain</a>, <a href="/wiki/United_Arab_Emirates">United Arab Emirates</a>, and <a href="/wiki/Qatar">Qatar</a>)
</td></tr>
<tr>
<td><a href="/wiki/Mexico">Mexico</a>
</td>
<td><a href="/wiki/Mexican_peso">Mex$</a>56,000 (<a href="/wiki/United_States_dollar">US$</a>2,763)
</td></tr>
<tr>
<td><a href="/wiki/Brazil">Brazil</a>
</td>
<td><a href="/wiki/Brazilian_real">R$</a>10,000 (<a href="/wiki/United_States_dollar">US$</a>1,855)
</td></tr>
<tr>
<td><a href="/wiki/Argentina">Argentina</a>
</td>
<td>ARS $388,320 (US$2,700)
</td></tr>
<tr>
<td><a href="/wiki/Saudi_Arabia">Saudi Arabia</a>
</td>
<td><a href="/wiki/Saudi_riyal">SRls</a> 17,250 (<a href="/wiki/United_States_dollar">US$</a>4,600) plus one-time joining fees <a href="/wiki/Saudi_riyal">SRls</a> 17,250 (<a href="/wiki/United_States_dollar">US$</a>4,600) (Including VAT). Issued by American Express Saudi Arabia.
</td></tr>
<tr>
<td>International Dollar Currency Card (IDC)
</td>
<td><a href="/wiki/United_States_dollar">US$</a>3,000 (<a href="/wiki/United_States_dollar">US$</a>0 for the first additional card member, <a href="/wiki/United_States_dollar">US$</a>1,500 for each additional card member thereafter) plus one-time fee of <a href="/wiki/United_States_dollar">US$</a>5,000<sup><a href="#cite_note-20">[20]</a></sup>
</td></tr>
<tr>
<td>International Currency Card Euro (ICC Euro)
</td>
<td><a href="/wiki/Euro">€</a>4,000 (<a href="/wiki/United_States_dollar">US$</a>4,731) plus one-time fee of <a href="/wiki/Euro">€</a>4,000 (<a href="/wiki/United_States_dollar">US$</a>4,731)
</td></tr>
<tr>
<td>International Currency Card Dollar (ICC Dollar)
</td>
<td><a href="/wiki/United_States_dollar">US$</a>4,000 plus one-time fee of <a href="/wiki/United_States_dollar">US$</a>4,000
</td></tr>
<tr>
<td><a href="/wiki/Israel">Israel</a>
</td>
<td><a href="/wiki/United_States_dollar">US$</a>2,043 (~<a href="/wiki/Israeli_new_shekel">NIS</a> 8,000), where payments can be made either in <a href="/wiki/Israeli_New_Shekel">ILS</a> or in <a href="/wiki/United_States_Dollar">US$</a>.
</td></tr>
<tr>
<td><a href="/wiki/Turkey">Turkey</a>
</td>
<td><a href="/wiki/Turkish_lira">₺</a>19,000 (<a href="/wiki/United_States_dollar">US$</a>2,147) provided by Garanti BBVA.
</td></tr>
<tr>
<td><a href="/wiki/Russia">Russia</a> (suspended due the Ukraine sanctions)
</td>
<td>150,000<a href="/wiki/Russian_ruble">₽</a> (<a href="/wiki/United_States_dollar">US$</a>2,037)
</td></tr>
<tr>
<td><a href="/wiki/Taiwan">Taiwan</a>
</td>
<td><a href="/wiki/New_Taiwan_dollar">NT$</a>160,000 (<a href="/wiki/United_States_dollar">US$</a>5,728) plus one-time fee of <a href="/wiki/New_Taiwan_dollar">NT$</a>160,000 (<a href="/wiki/United_States_dollar">US$</a>5,728) Note: minimum annual income (<a href="/wiki/New_Taiwan_dollar">NT$</a>3,500,000)<sup><a href="#cite_note-21">[21]</a></sup>
</td></tr>
<tr>
<td><a href="/wiki/Lebanon">Lebanon</a>
</td>
<td><a href="/wiki/Lebanese_pound">LL</a> 3,000 (<a href="/wiki/United_States_dollar">US$</a>3,000)
</td></tr>
<tr>
<td><a href="/wiki/United_Arab_Emirates">United Arab Emirates</a>
</td>
<td><a href="/wiki/Emirati_dirham">Dhs.</a> 11,000 (<a href="/wiki/United_States_dollar">US$</a>3,000)
</td></tr>
<tr>
<td><a href="/wiki/Sweden">Sweden</a>
</td>
<td><a href="/wiki/Swedish_krona">SKr</a> 35,000 (<a href="/wiki/United_States_dollar">US$</a>4,079) plus one-time fee of <a href="/wiki/Swedish_krona">SKr</a> 35,000(<a href="/wiki/United_States_dollar">US$</a>4,079)<sup><a href="#cite_note-22">[22]</a></sup>
</td></tr></tbody></table>
<h3>Benefits[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=4">edit</a>]</h3>
<p>The card, available for personal and business use, offers services such as a dedicated <a href="/wiki/Concierge">concierge</a> and <a href="/wiki/Travel_agency">travel agent</a>; complimentary companion airline tickets on international flights on selected airlines with the purchase of a full-fare ticket; <a href="/wiki/Personal_shopper">personal shoppers</a> at retailers such as <a href="/wiki/Gucci">Gucci</a>, <a href="/wiki/Escada">Escada</a>, and <a href="/wiki/Saks_Fifth_Avenue">Saks Fifth Avenue</a>; access to <a href="/wiki/Airport_lounge">airport clubs</a>; first-class flight upgrades; membership in <a href="/wiki/Sony">Sony</a>'s Cierge personal shopping program and dozens of other elite club memberships.<sup><a href="#cite_note-Luxury-3">[3]</a></sup> Hotel benefits include one free night, when at least one paid night is booked during the same stay, in every <a href="/wiki/Mandarin_Oriental">Mandarin Oriental</a> hotel worldwide once a year<sup><a href="#cite_note-Luxury-3">[3]</a></sup> (except for the New York City property),<sup><a href="#cite_note-23">[23]</a></sup> and privileges at hotel chains like <a href="/wiki/Ritz-Carlton">Ritz-Carlton</a>, <a href="/wiki/Leading_Hotels_of_the_World">Leading Hotels of the World</a>, and <a href="/wiki/Amanresorts">Amanresorts</a>. The card also features complimentary enrollment in Easirent Car Hire Platinum Service and the <a href="/wiki/Avis_Rent_a_Car">Avis Rent a Car</a> President's Club.<sup><a href="#cite_note-24">[24]</a></sup>
</p><p>Centurion Card members, like <a href="/wiki/Platinum_Card">Platinum Card</a> members, get complimentary access to the American Express Centurion Lounges at several US airports. They also get no pre-set credit limit access to <a href="/wiki/Priority_Pass">Priority Pass</a> lounges around the world,<sup><a href="#cite_note-25">[25]</a></sup> plus additional lounge privileges based on the country their card is registered in. For example, Centurion cardholders in Canada also receive full access to Maple Leaf Lounges, a lounge network provided by Air Canada.<sup><a href="#cite_note-26">[26]</a></sup> At busy times, Centurion members have access to areas reserved for them. There are also drink options at the bar that are exclusive to Centurion members. As of 2015, they have a Champagne option of <a href="/wiki/Veuve_Clicquot">Veuve Clicquot</a> and a single malt scotch by <a href="/wiki/Balvenie">Balvenie</a>.<sup><a href="#cite_note-27">[27]</a></sup> US cardholders earn 1 rewards point per dollar on all eligible purchases and 1.5 rewards points per dollar on purchases over US$5,000 (Up to 1 million additional points per calendar year).<sup><a href="#cite_note-28">[28]</a></sup>
</p>
<h3>Publications[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=5">edit</a>]</h3>
<p>Since the inception of the card, members have received a copy of <i><a href="/wiki/Departures_(magazine)">Departures</a></i>, which is also sent to all Platinum Card cardholders. In 2004, American Express Centurion members in the US began receiving an exclusive "no name" magazine, which was not available by any other means. Starting with the Spring 2007 edition, this magazine was officially titled <i><b>Black Ink</b></i>. The magazine is available only to individual Centurion cardholders, not to the business-edition customers. European, Asian, and Australian Centurion members receive quarterly the <i><a href="/wiki/Centurion_(magazine)">Centurion</a></i> magazine published by Journal International GmbH (Munich, Germany).<sup><a href="#cite_note-cen-29">[29]</a></sup> In June 2011, the <i>Centurion</i> magazine website was launched, offering daily updates for Centurion Card members. According to Journal International, the average age of a <i>Centurion</i> reader from Europe or the Middle East is 49 years. <i>Centurion</i> has been published since 2001 and has a circulation in Europe and the Middle East of 44,100, in Asia of 13,900, and in Australia of 6,000.<sup><a href="#cite_note-adinternational.be-14">[14]</a></sup>
</p>
<h2>In popular culture[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=6">edit</a>]</h2>
<h3>Famous cardholders[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=7">edit</a>]</h3>
<p>American Express does not disclose a list of Centurion cardholders but a number of celebrities have been associated with the card.<sup><a href="#cite_note-30">[30]</a></sup>
</p><p>During the filming of a backstage interview at the <a href="/wiki/2007_BRIT_Awards">2007 BRIT Awards</a>, <a href="/wiki/Noel_Gallagher">Noel Gallagher</a> held his Centurion card up to the camera and said "You have to earn a ridiculous amount of money per year to own one of those."<sup><a href="#cite_note-31">[31]</a></sup> In a 2009 interview with <a href="/wiki/TalkSPORT">talkSPORT</a>, Gallagher said, "I do own a black Amex card that has no pre-set credit limit credit and cannot be denied anywhere. I could walk into a showroom selling <a href="/wiki/Boeing_747">Boeing 747s</a> and, regardless of whether I could afford it, they'd have to accept the card."
</p><p>Former <i><a href="/wiki/Top_Gear_(1977_TV_series)">Top Gear</a></i> presenter <a href="/wiki/Jeremy_Clarkson">Jeremy Clarkson</a> wrote in a 2004 article for <i><a href="/wiki/The_Times_of_London">The Times of London</a></i> newspaper that he lied about his salary to obtain a Centurion card after reading "an interview with some chap who'd got a fist full of cards in his pocket and claimed that the more shiny examples, specifically the much-coveted black American Express, gave him certain privileges." Clarkson ultimately decided to cancel the card after being unimpressed with its benefits.<sup><a href="#cite_note-32">[32]</a></sup>
</p>
<h3>Music[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=8">edit</a>]</h3>
<p>The Centurion card has become a <a href="/wiki/Status_symbol">status symbol</a> in the music industry, especially in <a href="/wiki/Hip-hop_culture">hip-hop culture</a>.<sup><a href="#cite_note-33">[33]</a></sup> In 2002, <i><a href="/wiki/Bloomberg_News">Bloomberg News</a></i> reported that rapper <a href="/wiki/Sean_Combs">Sean "P. Diddy" Combs</a> used the card to buy 400 cocktails at a bar in Los Angeles.<sup><a href="#cite_note-34">[34]</a></sup> In the song "Doing It Way Big" (2003), <a href="/wiki/Lil%27_Kim">Lil' Kim</a> sings: <i>I smack niggas 'cross the face with a Centurion card / Who don't believe I'm (doing it way big).</i> Lil' Kim later posed with a Centurion card attached to a diamond-studded necklace for a <i><a href="/wiki/Nylon_(magazine)">Nylon</a></i> magazine photoshoot.<sup><a href="#cite_note-35">[35]</a></sup> In the song "Last Call" (2004), <a href="/wiki/Kanye_West">Kanye West</a> refers to the card with the lyrics: <i>I went to the malls and I balled too hard / "Oh my God, is that a black card?" / I turned around and replied, "Why yes / But I prefer the term African American Express"</i>. In "<a href="/wiki/Welcome_Back_(Mase_song)">Welcome Back</a>" (2004), <a href="/wiki/Mase">Mase</a> sings: <i>Amex black card / Shopper of the year</i>. In "Get It Poppin'" (2005), <a href="/wiki/Fat_Joe">Fat Joe</a> sings: <i>I got that black no limit American Express card</i>. In <a href="/wiki/Einmal_um_die_Welt">Einmal um die Welt</a> (2012), German rapper <a href="/wiki/Cro_(musician)">Cro</a> says his girlfriend can buy what she wants because he has "an American Express, and of course the black one." Other singers including <a href="/wiki/Ariana_Grande">Ariana Grande</a>, <a href="/wiki/Beyonc%C3%A9">Beyoncé</a>, <a href="/wiki/Jay-Z">Jay-Z</a>, <a href="/wiki/Lady_Gaga">Lady Gaga</a>, <a href="/wiki/Bow_Wow_(rapper)">Bow Wow</a>, <a href="/wiki/Nelly_Furtado">Nelly Furtado</a>, <a href="/wiki/Lil_Wayne">Lil Wayne</a>, <a href="/wiki/Nickelback">Nickelback</a> also mention black cards in their song lyrics but not a specific American Express product.
</p>
<h3>Film and TV[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=9">edit</a>]</h3>
<p>The Centurion card has been used as an on-screen prop.
</p><p>In <i><a href="/wiki/Quantum_of_Solace">Quantum of Solace</a></i>, <a href="/wiki/James_Bond">James Bond</a> hands a Centurion card to a travel agent with a private jet chartering company to pay for a flight to Bolivia. The payment is declined by <a href="/wiki/MI6">MI6</a> as the intelligence service seeks to strip Bond of his duties and revokes his credit cards and passports. The Centurion replica used in the film was part of the Bond in Motion exhibition at the <a href="/wiki/London_Film_Museum">London Film Museum</a>.<sup><a href="#cite_note-36">[36]</a></sup>
</p><p>In the pilot episode of the <a href="/wiki/USA_Network">USA Network</a> medical comedy-drama show <i><a href="/wiki/Royal_Pains">Royal Pains</a></i>, Tucker Bryant, the young heir to a family fortune earned from inventing the blender, injures himself crashing his father’s Ferrari. He tells a doctor to "go into my wallet and get the little black card that says American Express on it" and flies by helicopter from the Hamptons to <a href="/wiki/Mount_Sinai_Hospital_(Manhattan)">Mount Sinai Hospital</a> in Manhattan.
</p><p>In an episode of the <a href="/wiki/NBC">NBC</a> crime-drama show <i><a href="/wiki/Law_%26_Order:_Special_Victims_Unit">Law &amp; Order: Special Victims Unit</a></i>, one character is described as "by the look of his black American Express, very rich."
</p><p>In two episodes of the <a href="/wiki/HBO">HBO</a> comedy-drama show <i><a href="/wiki/Succession_(TV_series)">Succession</a></i>, Kendall and Siobhan Roy, heirs to a media fortune, use their Centurion cards at a bar and a coffee shop.
</p><p>In an episode of the <a href="/wiki/CBS">CBS</a> sitcom <i><a href="/wiki/Two_and_a_Half_Men">Two and a Half Men</a></i>, internet billionaire <a href="/wiki/Walden_Schmidt">Walden Schmidt</a> uses the card to buy groceries.
</p><p>In an episode of the <a href="/wiki/TvN_(South_Korean_TV_channel)">tvN</a> romantic-drama show <a href="/wiki/Crash_Landing_on_You">Crash Landing on You</a>, businesswoman Yoon Se-ri uses the Centurion card to purchase clothing for Ri Jeong-hyeok.
</p>
<h3>Literature[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=10">edit</a>]</h3>
<p>In <a href="/wiki/Lauren_Weisberger">Lauren Weisberger</a>'s novel <i><a href="/wiki/Everyone_Worth_Knowing">Everyone Worth Knowing</a></i>, the protagonist Bette remarks on her coworker paying for dinner with the card: "There it was, the mythical American Express black card. Available by invitation only to those who charged a minimum of $150,000 per year."<sup><a href="#cite_note-37">[37]</a></sup>
</p><p>In <a href="/wiki/Robert_Crais">Robert Crais</a>'s novel <i><a href="/wiki/The_Watchman_(Crais_novel)">The Watchman</a></i>, the daughter of a wealthy businessman is described as having a Centurion card.<sup><a href="#cite_note-38">[38]</a></sup>
</p><p>The main character in <a href="/wiki/Cory_Doctorow">Cory Doctorow</a>'s book <i><a href="/wiki/Cory_Doctorow#Fiction">Attack Surface</a></i> uses an American Express Black card several times.
</p>
<h2>See also[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=11">edit</a>]</h2>
<ul><li><a href="/wiki/J.P._Morgan_%26_Co.">J.P. Morgan</a> and the <a href="/wiki/J.P._Morgan_Reserve_Card">Reserve Card</a> (Palladium Card)</li>
<li><a href="/wiki/Mastercard">MasterCard</a> and <a href="/wiki/Visa_Inc.">Visa</a></li>
<li><a href="/wiki/Credit_score_in_the_United_States">Credit score in the United States</a></li>
<li><a href="/wiki/Banking_in_the_United_States">Banking in the United States</a></li></ul>
<h2>References[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=12">edit</a>]</h2>
<div>
<ol>
<li><b><a href="#cite_ref-1">^</a></b> <cite>Sullivan, Paul (2011-01-24). <a href="https://archive.nytimes.com/bucks.blogs.nytimes.com/2011/01/24/american-express-new-service-for-its-wealthiest-cardholders/">"American Express's New Service for Its Wealthiest Cardholders"</a>. <i>Bucks Blog</i>. Retrieved 2023-01-10.</cite>
</li>
<li>^ <a href="#cite_ref-:0_2-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-:0_2-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-:0_2-2"><sup><i><b>c</b></i></sup></a> <cite><a href="https://www.cnbc.com/2018/09/11/the-american-express-black-card-may-exist-thanks-to-jerry-seinfeld.html">"The American Express Black Card May Exist Thanks to Jerry Seinfeld"</a>. <i>cnbc.com</i>. 11 September 2018.</cite>
</li>
<li>^ <a href="#cite_ref-Luxury_3-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-Luxury_3-1"><sup><i><b>b</b></i></sup></a> <a href="#cite_ref-Luxury_3-2"><sup><i><b>c</b></i></sup></a> <a href="#cite_ref-Luxury_3-3"><sup><i><b>d</b></i></sup></a> <a href="#cite_ref-Luxury_3-4"><sup><i><b>e</b></i></sup></a> <cite>Chevalier, Michel (2012). <i>Luxury Brand Management</i>. Singapore: John Wiley &amp; Sons. <a href="/wiki/ISBN_(identifier)">ISBN</a> <a href="/wiki/Special:BookSources/978-1-118-17176-9"><bdi>978-1-118-17176-9</bdi></a>.</cite>
</li>
<li><b><a href="#cite_ref-4">^</a></b> <cite>Adams, Dia (January 12, 2023). <a href="https://www.forbes.com/advisor/credit-cards/reviews/centurion-from-american-express/">"American Express Centurion Black Card 2023 Review"</a>. <i>www.forbes.com</i>. Retrieved 2023-01-14.</cite>
</li>
<li><b><a href="#cite_ref-5">^</a></b> <cite>Mull, Amanda (2022-11-29). <a href="https://www.theatlantic.com/technology/archive/2022/11/metal-credit-cards-status-symbol/672296/">"Please Look at My Metal Credit Card"</a>. <i>The Atlantic</i>. Retrieved 2023-01-14.</cite>
</li>
<li><b><a href="#cite_ref-6">^</a></b> <cite>MAx, James (July 29, 2022). <a href="https://www.ft.com/content/e4240fc7-0ad6-4b35-ac20-f6d977533628">"Rich People's Problems: Should I ditch my Amex Centurion card?"</a>. <i>Financial Times</i>. Retrieved January 14, 2023.</cite>
</li>
<li><b><a href="#cite_ref-7">^</a></b> <cite><a href="http://www.luxuryplastic.com/wall-street-journal-5131988-an-american-express-black-card/">"An American Express Black Card?"</a>. <i>luxuryplastic.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-8">^</a></b> <cite><a href="https://www.snopes.com/fact-check/black-american-express-card/">"Black American Express Card"</a>. <i>snopes.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-9">^</a></b> <a href="https://www.scribd.com/doc/27692665/Complaint-Black-Card">American Express v. Black Card LLC - Complaint and Jury Demand</a>, February 20, 2010; retrieved from <a href="/wiki/Scribd">Scribd</a>, July 2, 2010
</li>
<li><b><a href="#cite_ref-10">^</a></b> <a href="http://www.vegastrademarkattorney.com/2011/11/amex-wins-cancellation-of-blackcard.html">[1]</a> AMEX Wins Cancellation of BLACKCARD Trademark Registration, Ryan Gile, November 22, 2011
</li>
<li><b><a href="#cite_ref-frankel_12-0">^</a></b> <cite>Frankel, Matthew (24 August 2014). <a href="http://www.fool.com/investing/general/2014/08/24/is-the-american-express-black-card-really-worth-it.aspx">"Is The American Express Black Card Really Worth It? The Centurion card, or 'black card', is the most exclusive credit card in the world, but is it worth the high cost?"</a>. <a href="/wiki/The_Motley_Fool">The Motley Fool</a>. Retrieved 4 July 2018.</cite>
</li>
<li><b><a href="#cite_ref-13">^</a></b> <cite><a href="https://www.forbes.com/advisor/credit-cards/reviews/centurion-from-american-express/">"American Express Centurion Black Card 2022 Review"</a>. <i><a href="/wiki/Forbes">Forbes</a></i>. 20 July 2020.</cite>
</li>
<li>^ <a href="#cite_ref-adinternational.be_14-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-adinternational.be_14-1"><sup><i><b>b</b></i></sup></a> <a href="https://archive.today/20131024173057/http://www.adinternational.be/pdf_rest/Platinum_Centurion_Euro">pe.pdf American Express Centurion/Departures</a> - Media Kit, Europe &amp; Middle East 2010
</li>
<li><b><a href="#cite_ref-15">^</a></b> <cite>Qin, Amy (17 November 2015). <a href="https://www.nytimes.com/2015/11/18/arts/international/with-modigliani-purchase-chinese-billionaire-liu-yiqian-dreams-of-bigger-canvas.html?_r=0">"With Modigliani Purchase Chinese Billionaire Liu Yiqian Dreams of Bigger Canvas"</a>. <i><a href="/wiki/The_New_York_Times">The New York Times</a></i>.</cite>
</li>
<li><b><a href="#cite_ref-16">^</a></b> <cite><a href="https://www.theguardian.com/world/2015/nov/24/billionaire-earns-first-class-travel-for-life-by-putting-modigliani-nude-on-amex">"Billionaire Earns First Class Travel For Life By Putting Modigliani Nude on Amex"</a>. <i>theguardian.com</i>. 24 November 2015.</cite>
</li>
<li><b><a href="#cite_ref-17">^</a></b> <cite><a href="https://www.newsweek.com/why-chinese-billionaire-charging-1704-million-painting-amex-card-397421">"Why Is a Chinese Billionaire Charging a $170.4 Million Painting on an Amex Card?"</a>. <i>newsweek.com</i>. 23 November 2015.</cite>
</li>
<li><b><a href="#cite_ref-18">^</a></b> <cite><a href="https://web.archive.org/web/20191117033405/https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/centurion/centurion-card-11-01-2019.pdf">"Cardmember Agreement"</a> (PDF). American Express. 2019-11-16. Archived from <a href="https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/centurion/centurion-card-11-01-2019.pdf">the original</a> (PDF) on 2019-11-17. Retrieved 2014-06-18.</cite>
</li>
<li><b><a href="#cite_ref-19">^</a></b> <cite><a href="http://usa.chinadaily.com.cn/epaper/2015-06/29/content_21133960.htm">"Minsheng to offer new Amex cards|Business|chinadaily.com.cn"</a>. <i>usa.chinadaily.com.cn</i>. Retrieved 2018-05-19.</cite>
</li>
<li><b><a href="#cite_ref-20">^</a></b> <cite><a href="https://www.americanexpress.com/content/dam/amex/us/staticassets/pdf/cardmember-agreements/centurion-idc/idc-centurion-09-30-2019.pdf">"Cardmember Agreement - The Centurion® Card - International Dollar Card"</a> (PDF). 2019-09-30. Retrieved 2019-12-18.</cite>
</li>
<li><b><a href="#cite_ref-21">^</a></b> Taiwan TV news 2015-11-24 on department clerk leaking client's card on FaceBook
</li>
<li><b><a href="#cite_ref-22">^</a></b> <cite><a href="https://www.americanexpress.com/se/content/pdf/Proprietary_Medlemsvillkor.pdf">"Medlemsvillkor för American Express® - Kort"</a> (PDF). 2021-07-03. Retrieved 2021-07-03.</cite>
</li>
<li><b><a href="#cite_ref-23">^</a></b> <cite><a href="https://web.archive.org/web/20110724105045/https://www.americanexpress.com/australia/icc/hotels/centurion_partner_hotels/centurion_partner_hotels.shtml">"American Express"</a>. Archived from <a href="https://www.americanexpress.com/australia/icc/hotels/centurion_partner_hotels/centurion_partner_hotels.shtml">the original</a> on July 24, 2011.</cite>
</li>
<li><b><a href="#cite_ref-24">^</a></b> <cite><a href="https://web.archive.org/web/20110708203357/http://creditcardforum.com/american-express/330-official-amex-centurion-black-card-guide.html">"Official American Express Centurion Card Interactive Tour"</a>. Archived from <a href="http://creditcardforum.com/american-express/330-official-amex-centurion-black-card-guide.html">the original</a> on 2011-07-08. Retrieved 2008-12-31.</cite>
</li>
<li><b><a href="#cite_ref-25">^</a></b> <cite><a href="http://iwandered.net/2016/11/12/amex-centurion-card-benefits/">"American Express Centurion Card Benefits"</a>. 2016.</cite>
</li>
<li><b><a href="#cite_ref-26">^</a></b> <cite><a href="https://www.yoreoyster.com/blog/american-express-black-centurion-card-canada/">"Amex Centurion 'Black' Card - The Complete Guide"</a>. <i>Yore Oyster</i>. 2019-09-20. Retrieved 2020-01-08.</cite>
</li>
<li><b><a href="#cite_ref-27">^</a></b> <cite><a href="https://www.fhrnews.com/news/american-express-black-card-what-is-this-secret-card">"American Express Black Card: What Is This Secret Card?"</a>. <i>fhrnews.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-28">^</a></b> <cite><a href="https://www.forbes.com/advisor/credit-cards/reviews/centurion-from-american-express/">"American Express Centurion Black Card 2022 Review"</a>. <i><a href="/wiki/Forbes">Forbes</a></i>. 20 July 2020.</cite>
</li>
<li><b><a href="#cite_ref-cen_29-0">^</a></b> <cite><a href="https://web.archive.org/web/20130817131723/http://www.centurion-magazine.com/about-us/magazine.html">"About Us"</a>. <i>Centurion</i>. Archived from <a href="http://www.centurion-magazine.com/about-us/magazine.html">the original</a> on 17 August 2013. Retrieved 19 October 2013.</cite>
</li>
<li><b><a href="#cite_ref-30">^</a></b> <cite><a href="https://www.zimbio.com/Celebs+Who+Roll+with+the+AmEx+Black+Card">"Celebs Who Roll with the Amex Black Card"</a>. <i>zimbio.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-31">^</a></b> <cite><a href="https://www.youtube.com/watch?v=DrVqmFY0Lk8">"I bet you haven't got one!!!"</a>. <i>youtube.com</i>. <a href="https://ghostarchive.org/varchive/youtube/20211215/DrVqmFY0Lk8">Archived</a> from the original on 2021-12-15.</cite>
</li>
<li><b><a href="#cite_ref-32">^</a></b> <cite><a href="https://www.thetimes.co.uk/article/jeremy-clarkson-im-a-nobody-my-jet-set-credit-card-tells-me-so-ftg88kn7j5p">"Jeremy Clarkson: I'm a nobody, my jet set credit card tells me so"</a>. <i>The Times</i>. January 11, 2004.</cite>
</li>
<li><b><a href="#cite_ref-33">^</a></b> <cite><a href="https://hiphopdx.com/news/id.9297/title.hip-hops-love-of-the-black-card-celebrated-online">"Hip Hop's Love Of The Black Card Celebrated Online"</a>. <i>hiphopdx.com</i>. 12 June 2009.</cite>
</li>
<li><b><a href="#cite_ref-34">^</a></b> <cite><a href="http://the.honoluluadvertiser.com/article/2002/Apr/14/bz/bz22a.html">"American Express markets elite 'black card'"</a>. <i>the.honoluluadvertiser.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-35">^</a></b> <cite><a href="https://lilkimuk.tumblr.com/post/65069524969/full-article-lil-kim-nylon-magazine-2003">"Full Article Lil Kim Nylon Magazine 2003"</a>. <i>tumblr.com</i>.</cite>
</li>
<li><b><a href="#cite_ref-36">^</a></b> <cite><a href="https://www.jamesbondlifestyle.com/product/american-express-centurion-card">"American Express Centurion Card"</a>. <i>jamesbondlifestyle.com</i>. 25 March 2015.</cite>
</li>
<li><b><a href="#cite_ref-37">^</a></b> <cite>Weisberger, Lauren (2 May 2006). <a href="https://books.google.com/books?id=wAoF693o-fEC&amp;q=Lauren+Weisberger+American+Express+black&amp;pg=PA80"><i>Everyone Worth Knowing</i></a>. <a href="/wiki/ISBN_(identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9780743262330"><bdi>9780743262330</bdi></a>.</cite>
</li>
<li><b><a href="#cite_ref-38">^</a></b> <cite>Crais, Robert (29 January 2008). <a href="https://books.google.com/books?id=_LSQXOkOo14C&amp;q=robert+crais+black+amex&amp;pg=PA62"><i>The Watchman: A Joe Pike Novel</i></a>. <a href="/wiki/ISBN_(identifier)">ISBN</a> <a href="/wiki/Special:BookSources/9781416514978"><bdi>9781416514978</bdi></a>.</cite>
</li>
</ol></div>
<h2>External links[<a href="/w/index.php?title=Centurion_Card&amp;action=edit&amp;section=13">edit</a>]</h2>
<ul><li><a href="http://www.centurion.com/">Official website</a></li></ul>
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 * (Top)
 * 1 History
 * 2 Features
 + 2.1 Fees
 + 2.2 Benefits
 + 2.3 Publications
 * 3 In popular culture
 + 3.1 Famous cardholders
 + 3.2 Music
 + 3.3 Film and TV
 + 3.4 Literature
 * 4 See also
 * 5 References
 * 6 External links
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 Centurion Card

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 From Wikipedia, the free encyclopedia
 Not to be confused with the similarly named but legally distinct Black Card issued by Luxury Card.
 The back of a Centurion Card with EMV, 2010

 The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express.[1][2] It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.[3][4] The firm does not disclose the exact requirements to receive an invitation to carry the card. The Centurion Card is minted out of anodized titanium, laser-engraved, and accented with stainless steel. The card reports to credit bureaus and does not maintain a pre-set credit limit. It is considered a status symbol among the affluent.[5][6]

 History [ edit ]

 In 1988, an article in The Wall Street Journal newspaper reported that an exclusive black American Express membership card that was never advertised had been discontinued a year earlier. The article claimed that during a trial run that lasted almost four years, the card "was held by an ultra-select group of consumers who numbered fewer than 1,000 around the world."[7][ unreliable source? ] Lee Middleton, a spokesman for American Express, confirmed the card's existence to the Journal and said that it was given to clients who had a "substantial banking relationship" with American Express Bank Ltd., the New York parent of American Express's bank subsidiaries in Switzerland. Services included "dispatching limousines or helicopters for clients, booking their vacations and finding medical care in exotic places." Middleton said American Express abandoned the black card in 1987 because the newly introduced Platinum Card offered "95% of the black card's services." In 1999, American Express introduced the Centurion Card, a black charge card aimed at the company's wealthiest cardholders.[2] In a 2018 episode of the Netflix show Comedians in Cars Getting Coffee, Jerry Seinfeld, who appeared in American Express commercials in the 1990s, claimed to have received the first Centurion card after contacting the company's president about the rumored existence of an exclusive black card.[2]

 I was waiting for [the crew] to move some cameras, and the crew guy comes up me, he says, "You got the black card?" And I go "No, what’s the black card?" He says, "There’s only three in the world. The Sultan of Brunei has one, the president of American Express has one, and I thought you would have the third one." Next morning I call the president of American Express. I go, "Is there a black card?" He says, "It's just a rumor. It doesn't exist." He said, "But you know what? It's not a bad idea." And so they developed it, and they gave me the first one.

 Jerry Seinfeld, Comedians in Cars Getting Coffee, "A Hooker in the Rain"

 Doug Smith, the director of American Express in Europe, told the fact-checking website Snopes.com that there "had been rumors going around that we had this ultra-exclusive black card for elite customers. It wasn't true, but we decided to capitalize on the idea anyway. So far we've had a customer buy a Bentley and another charter a jet." The website lists unverified descriptions of cardholder requests, such as dispatching a motorcycle rider to the shores of the Dead Sea to retrieve a handful of sand and couriering it back to London for a child's school project.[8] In 2009, Luxury Card successfully registered "Black Card" as a U.S. trademark. American Express later sued as the name was similar to its Centurion Card, which it contended was widely known as the "Black Card."[9] The U.S. District Court for the Southern District of New York ruled that Black Card, LLC's trademark of the name "Black Card" should be canceled on grounds that it was merely descriptive.[10] As of 2019, it uses the registered trademark under license.[11]

 Since its introduction, the Centurion card has only been issued to clients invited by American Express to apply for it. The selection criteria the company uses to identify potential cardholders has been subject to speculation. Select media reports speculate an annual spending requirement of $100,000 to $250,000 on the Platinum Card to be considered for eligibility.[12][3] In most countries where the card is issued, it's made of anodized titanium[3] with the information and numbers laser etched into the metal. In some locations, such as Israel, EMV "chip" plastic cards, which also include the ExpressPay contactless payment technology, are issued. The Centurion Card comes in personal and business variants.[13][14]

 The largest known purchase made with the Centurion card is the Nu couché painting by Amedeo Modigliani, which businessman Liu Yiqian bought for US$170,405,000 at a Christie's auction in New York in 2015.[15][16][17]

 Features [ edit ]

 Fees [ edit ]

 Country/Region Annual fee/limit   
 United States US$5,000 (US$5,000 for each additional card member) plus one-time joining fee of US$10,000[18] 
 United Kingdom £2,200 (US$3,014) (no pre-set credit limit) plus one-time joining fee of £2,500  
 Canada Can$2,500 (US$2,000) plus one-time fee of Can$5,000 (US$4,000)  
 India ₹236,000 (US$3,185) plus one time fees of ₹836,000 (US$11,282) with GST  
 France, Spain, Belgium, Italy, Netherlands €3,000 (US$3,548) plus one time fee €3,000 (Italy, Netherlands)  
 Germany, Austria €5,000 (US$5,914) plus one-time fee of €5,000 (US$5,914)  
 Switzerland SFr 4,200 (US$4,615) (no pre-set credit limit)  
 Australia A$5,000 (US$3,759) (increased from A$4,300 (US$3,233), effective 11 July 2012) plus one-time fee of A$5,000 (US$3,759), effective 11 July 2012 
 Japan ¥365,000 (US$3,326) (increased from ¥197,000 (US$1,795), effective 1 January 2008)  
 Hong Kong HK$38,800 (US$4,994) plus one time fee of 4994 (increase from HK$19,800 (US$2,548), effective 30 May 2013) 
 South Korea (Republic of Korea) ₩3,000,000 (US$2,622), no pre-set credit limit  
 China (People's Republic of China) RMB 18,000 (US$2,791) issued by Industrial and Commercial Bank of China (ICBC) and China Merchants Bank (CMB) pursuant to a license from American Express.
 RMB 36,000 (US$5,581) issued by China Minsheng Bank (CMBC) pursuant to a license from American Express.[19] 
 Singapore S$7,490 (US$5,590) (no pre-set credit limit) plus one-time joining fee of S$7,490 (US$5,590) 
 Kuwait US$4,000 for Titanium-based Centurion. Issued by American Express Middle East (Bahrain) (Same applies for Bahrain, United Arab Emirates, and Qatar) 
 Mexico Mex$56,000 (US$2,763)   
 Brazil R$10,000 (US$1,855)   
 Argentina ARS $388,320 (US$2,700)   
 Saudi Arabia SRls 17,250 (US$4,600) plus one-time joining fees SRls 17,250 (US$4,600) (Including VAT). Issued by American Express Saudi Arabia. 
 International Dollar Currency Card (IDC) US$3,000 (US$0 for the first additional card member, US$1,500 for each additional card member thereafter) plus one-time fee of US$5,000[20] 
 International Currency Card Euro (ICC Euro) €4,000 (US$4,731) plus one-time fee of €4,000 (US$4,731)  
 International Currency Card Dollar (ICC Dollar) US$4,000 plus one-time fee of US$4,000  
 Israel US$2,043 (~NIS 8,000), where payments can be made either in ILS or in US$.  
 Turkey ₺19,000 (US$2,147) provided by Garanti BBVA.  
 Russia (suspended due the Ukraine sanctions) 150,000₽ (US$2,037)   
 Taiwan NT$160,000 (US$5,728) plus one-time fee of NT$160,000 (US$5,728) Note: minimum annual income (NT$3,500,000)[21] 
 Lebanon LL 3,000 (US$3,000)   
 United Arab Emirates Dhs. 11,000 (US$3,000)   
 Sweden SKr 35,000 (US$4,079) plus one-time fee of SKr 35,000(US$4,079)[22]  
 

 Benefits [ edit ]

 The card, available for personal and business use, offers services such as a dedicated concierge and travel agent; complimentary companion airline tickets on international flights on selected airlines with the purchase of a full-fare ticket; personal shoppers at retailers such as Gucci, Escada, and Saks Fifth Avenue; access to airport clubs; first-class flight upgrades; membership in Sony's Cierge personal shopping program and dozens of other elite club memberships.[3] Hotel benefits include one free night, when at least one paid night is booked during the same stay, in every Mandarin Oriental hotel worldwide once a year[3] (except for the New York City property),[23] and privileges at hotel chains like Ritz-Carlton, Leading Hotels of the World, and Amanresorts. The card also features complimentary enrollment in Easirent Car Hire Platinum Service and the Avis Rent a Car President's Club.[24]

 Centurion Card members, like Platinum Card members, get complimentary access to the American Express Centurion Lounges at several US airports. They also get no pre-set credit limit access to Priority Pass lounges around the world,[25] plus additional lounge privileges based on the country their card is registered in. For example, Centurion cardholders in Canada also receive full access to Maple Leaf Lounges, a lounge network provided by Air Canada.[26] At busy times, Centurion members have access to areas reserved for them. There are also drink options at the bar that are exclusive to Centurion members. As of 2015, they have a Champagne option of Veuve Clicquot and a single malt scotch by Balvenie.[27] US cardholders earn 1 rewards point per dollar on all eligible purchases and 1.5 rewards points per dollar on purchases over US$5,000 (Up to 1 million additional points per calendar year).[28]

 Publications [ edit ]

 Since the inception of the card, members have received a copy of Departures, which is also sent to all Platinum Card cardholders. In 2004, American Express Centurion members in the US began receiving an exclusive "no name" magazine, which was not available by any other means. Starting with the Spring 2007 edition, this magazine was officially titled Black Ink. The magazine is available only to individual Centurion cardholders, not to the business-edition customers. European, Asian, and Australian Centurion members receive quarterly the Centurion magazine published by Journal International GmbH (Munich, Germany).[29] In June 2011, the Centurion magazine website was launched, offering daily updates for Centurion Card members. According to Journal International, the average age of a Centurion reader from Europe or the Middle East is 49 years. Centurion has been published since 2001 and has a circulation in Europe and the Middle East of 44,100, in Asia of 13,900, and in Australia of 6,000.[14]

 In popular culture [ edit ]

 This article appears to contain trivial, minor, or unrelated references to popular culture. Please reorganize this content to explain the subject's impact on popular culture, providing citations to reliable, secondary sources , rather than simply listing appearances. Unsourced material may be challenged and removed. ( January 2023 )
 

 Famous cardholders [ edit ]

 American Express does not disclose a list of Centurion cardholders but a number of celebrities have been associated with the card.[30]

 During the filming of a backstage interview at the 2007 BRIT Awards, Noel Gallagher held his Centurion card up to the camera and said "You have to earn a ridiculous amount of money per year to own one of those."[31] In a 2009 interview with talkSPORT, Gallagher said, "I do own a black Amex card that has no pre-set credit limit credit and cannot be denied anywhere. I could walk into a showroom selling Boeing 747s and, regardless of whether I could afford it, they'd have to accept the card."

 Former Top Gear presenter Jeremy Clarkson wrote in a 2004 article for The Times of London newspaper that he lied about his salary to obtain a Centurion card after reading "an interview with some chap who'd got a fist full of cards in his pocket and claimed that the more shiny examples, specifically the much-coveted black American Express, gave him certain privileges." Clarkson ultimately decided to cancel the card after being unimpressed with its benefits.[32]

 Music [ edit ]

 The Centurion card has become a status symbol in the music industry, especially in hip-hop culture.[33] In 2002, Bloomberg News reported that rapper Sean "P. Diddy" Combs used the card to buy 400 cocktails at a bar in Los Angeles.[34] In the song "Doing It Way Big" (2003), Lil' Kim sings: I smack niggas 'cross the face with a Centurion card / Who don't believe I'm (doing it way big). Lil' Kim later posed with a Centurion card attached to a diamond-studded necklace for a Nylon magazine photoshoot.[35] In the song "Last Call" (2004), Kanye West refers to the card with the lyrics: I went to the malls and I balled too hard / "Oh my God, is that a black card?" / I turned around and replied, "Why yes / But I prefer the term African American Express". In "Welcome Back" (2004), Mase sings: Amex black card / Shopper of the year. In "Get It Poppin'" (2005), Fat Joe sings: I got that black no limit American Express card. In Einmal um die Welt (2012), German rapper Cro says his girlfriend can buy what she wants because he has "an American Express, and of course the black one." Other singers including Ariana Grande, Beyoncé, Jay-Z, Lady Gaga, Bow Wow, Nelly Furtado, Lil Wayne, Nickelback also mention black cards in their song lyrics but not a specific American Express product.

 Film and TV [ edit ]

 The Centurion card has been used as an on-screen prop.

 In Quantum of Solace, James Bond hands a Centurion card to a travel agent with a private jet chartering company to pay for a flight to Bolivia. The payment is declined by MI6 as the intelligence service seeks to strip Bond of his duties and revokes his credit cards and passports. The Centurion replica used in the film was part of the Bond in Motion exhibition at the London Film Museum.[36]

 In the pilot episode of the USA Network medical comedy-drama show Royal Pains, Tucker Bryant, the young heir to a family fortune earned from inventing the blender, injures himself crashing his father’s Ferrari. He tells a doctor to "go into my wallet and get the little black card that says American Express on it" and flies by helicopter from the Hamptons to Mount Sinai Hospital in Manhattan.

 In an episode of the NBC crime-drama show Law & Order: Special Victims Unit, one character is described as "by the look of his black American Express, very rich."

 In two episodes of the HBO comedy-drama show Succession, Kendall and Siobhan Roy, heirs to a media fortune, use their Centurion cards at a bar and a coffee shop.

 In an episode of the CBS sitcom Two and a Half Men, internet billionaire Walden Schmidt uses the card to buy groceries.

 In an episode of the tvN romantic-drama show Crash Landing on You, businesswoman Yoon Se-ri uses the Centurion card to purchase clothing for Ri Jeong-hyeok.

 Literature [ edit ]

 In Lauren Weisberger's novel Everyone Worth Knowing, the protagonist Bette remarks on her coworker paying for dinner with the card: "There it was, the mythical American Express black card. Available by invitation only to those who charged a minimum of $150,000 per year."[37]

 In Robert Crais's novel The Watchman, the daughter of a wealthy businessman is described as having a Centurion card.[38]

 The main character in Cory Doctorow's book Attack Surface uses an American Express Black card several times.

 See also [ edit ]

 * J.P. Morgan and the Reserve Card (Palladium Card)
 * MasterCard and Visa
 * Credit score in the United States
 * Banking in the United States

 References [ edit ]

 1. ^ Sullivan, Paul (2011-01-24). "American Express's New Service for Its Wealthiest Cardholders". Bucks Blog . Retrieved 2023-01-10 .
 2. ^ a b c "The American Express Black Card May Exist Thanks to Jerry Seinfeld". cnbc.com. 11 September 2018.
 3. ^ a b c d e Chevalier, Michel (2012). Luxury Brand Management. Singapore: John Wiley & Sons. ISBN 978-1-118-17176-9.
 4. ^ Adams, Dia (January 12, 2023). "American Express Centurion Black Card 2023 Review". www.forbes.com . Retrieved 2023-01-14 .
 5. ^ Mull, Amanda (2022-11-29). "Please Look at My Metal Credit Card". The Atlantic . Retrieved 2023-01-14 .
 6. ^ MAx, James (July 29, 2022). "Rich People's Problems: Should I ditch my Amex Centurion card?". Financial Times . Retrieved January 14, 2023 .
 7. ^ "An American Express Black Card?". luxuryplastic.com.
 8. ^ "Black American Express Card". snopes.com.
 9. ^ American Express v. Black Card LLC - Complaint and Jury Demand , February 20, 2010; retrieved from Scribd , July 2, 2010
 10. ^ [1] AMEX Wins Cancellation of BLACKCARD Trademark Registration, Ryan Gile, November 22, 2011
 11. ^ "MasterCard Black Card". Footer.
 12. ^ Frankel, Matthew (24 August 2014). "Is The American Express Black Card Really Worth It? The Centurion card, or 'black card', is the most exclusive credit card in the world, but is it worth the high cost?". The Motley Fool . Retrieved 4 July 2018 .
 13. ^ "American Express Centurion Black Card 2022 Review". Forbes. 20 July 2020.
 14. ^ a b pe.pdf American Express Centurion/Departures - Media Kit, Europe & Middle East 2010
 15. ^ Qin, Amy (17 November 2015). "With Modigliani Purchase Chinese Billionaire Liu Yiqian Dreams of Bigger Canvas". The New York Times.
 16. ^ "Billionaire Earns First Class Travel For Life By Putting Modigliani Nude on Amex". theguardian.com. 24 November 2015.
 17. ^ "Why Is a Chinese Billionaire Charging a $170.4 Million Painting on an Amex Card?". newsweek.com. 23 November 2015.
 18. ^ "Cardmember Agreement" (PDF) . American Express. 2019-11-16. Archived from the original (PDF) on 2019-11-17 . Retrieved 2014-06-18 .
 19. ^ "Minsheng to offer new Amex cards|Business|chinadaily.com.cn". usa.chinadaily.com.cn . Retrieved 2018-05-19 .
 20. ^ "Cardmember Agreement - The Centurion® Card - International Dollar Card" (PDF) . 2019-09-30 . Retrieved 2019-12-18 .
 21. ^ Taiwan TV news 2015-11-24 on department clerk leaking client's card on FaceBook
 22. ^ "Medlemsvillkor för American Express® - Kort" (PDF) . 2021-07-03 . Retrieved 2021-07-03 .
 23. ^ "American Express". Archived from the original on July 24, 2011.
 24. ^ "Official American Express Centurion Card Interactive Tour". Archived from the original on 2011-07-08 . Retrieved 2008-12-31 .
 25. ^ "American Express Centurion Card Benefits". 2016.
 26. ^ "Amex Centurion 'Black' Card - The Complete Guide". Yore Oyster. 2019-09-20 . Retrieved 2020-01-08 .
 27. ^ "American Express Black Card: What Is This Secret Card?". fhrnews.com.
 28. ^ "American Express Centurion Black Card 2022 Review". Forbes. 20 July 2020.
 29. ^ "About Us". Centurion. Archived from the original on 17 August 2013 . Retrieved 19 October 2013 .
 30. ^ "Celebs Who Roll with the Amex Black Card". zimbio.com.
 31. ^ "I bet you haven't got one!!!". youtube.com. Archived from the original on 2021-12-15.
 32. ^ "Jeremy Clarkson: I'm a nobody, my jet set credit card tells me so". The Times. January 11, 2004.
 33. ^ "Hip Hop's Love Of The Black Card Celebrated Online". hiphopdx.com. 12 June 2009.
 34. ^ "American Express markets elite 'black card'". the.honoluluadvertiser.com.
 35. ^ "Full Article Lil Kim Nylon Magazine 2003". tumblr.com.
 36. ^ "American Express Centurion Card". jamesbondlifestyle.com. 25 March 2015.
 37. ^ Weisberger, Lauren (2 May 2006). Everyone Worth Knowing. ISBN 9780743262330.
 38. ^ Crais, Robert (29 January 2008). The Watchman: A Joe Pike Novel. ISBN 9781416514978.

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From Wikipedia, the free encyclopedia
	 
Not to be confused with the similarly named but legally distinct Black Card issued by Luxury Card.
      The back of a Centurion Card with EMV, 2010  
The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express. [1]   [2]  It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card. [3]   [4]  The firm does not disclose the exact requirements to receive an invitation to carry the card. The Centurion Card is minted out of anodized titanium, laser-engraved, and accented with stainless steel. The card reports to credit bureaus and does not maintain a pre-set credit limit. It is considered a status symbol among the affluent. [5]   [6] 
History[edit]
In 1988, an article in  The Wall Street Journal  newspaper reported that an exclusive black American Express membership card that was never advertised had been discontinued a year earlier. The article claimed that during a trial run that lasted almost four years, the card "was held by an ultra-select group of consumers who numbered fewer than 1,000 around the world." [7]  [ unreliable source? ] Lee Middleton, a spokesman for American Express, confirmed the card's existence to the Journal and said that it was given to clients who had a "substantial banking relationship" with American Express Bank Ltd., the New York parent of American Express's bank subsidiaries in Switzerland. Services included "dispatching limousines or helicopters for clients, booking their vacations and finding medical care in exotic places." Middleton said American Express abandoned the black card in 1987 because the newly introduced Platinum Card offered "95% of the black card's services." In 1999, American Express introduced the Centurion Card, a black charge card aimed at the company's wealthiest cardholders. [2]  In a 2018 episode of the Netflix show  Comedians in Cars Getting Coffee , Jerry Seinfeld, who appeared in American Express commercials in the 1990s, claimed to have received the first Centurion card after contacting the company's president about the rumored existence of an exclusive black card. [2] 
I was waiting for [the crew] to move some cameras, and the crew guy comes up me, he says, "You got the black card?" And I go "No, what’s the black card?" He says, "There’s only three in the world. The Sultan of Brunei has one, the president of American Express has one, and I thought you would have the third one." Next morning I call the president of American Express. I go, "Is there a black card?" He says, "It's just a rumor. It doesn't exist." He said, "But you know what? It's not a bad idea." And so they developed it, and they gave me the first one.
  Jerry Seinfeld,  Comedians in Cars Getting Coffee , "A Hooker in the Rain"
Doug Smith, the director of American Express in Europe, told the fact-checking website Snopes.com that there "had been rumors going around that we had this ultra-exclusive black card for elite customers. It wasn't true, but we decided to capitalize on the idea anyway. So far we've had a customer buy a Bentley and another charter a jet." The website lists unverified descriptions of cardholder requests, such as dispatching a motorcycle rider to the shores of the Dead Sea to retrieve a handful of sand and couriering it back to London for a child's school project. [8]  In 2009, Luxury Card successfully registered "Black Card" as a U.S. trademark. American Express later sued as the name was similar to its Centurion Card, which it contended was widely known as the "Black Card." [9]  The U.S. District Court for the Southern District of New York ruled that Black Card, LLC's trademark of the name "Black Card" should be canceled on grounds that it was merely descriptive. [10]  As of 2019, it uses the registered trademark under license.
 Since its introduction, the Centurion card has only been issued to clients invited by American Express to apply for it. The selection criteria the company uses to identify potential cardholders has been subject to speculation. Select media reports speculate an annual spending requirement of $100,000 to $250,000 on the Platinum Card to be considered for eligibility. [12]   [3]  In most countries where the card is issued, it's made of anodized titanium  [3]  with the information and numbers laser etched into the metal. In some locations, such as Israel, EMV "chip" plastic cards, which also include the ExpressPay contactless payment technology, are issued. The Centurion Card comes in personal and business variants. [13]   [14] 
 The largest known purchase made with the Centurion card is the  Nu couché  painting by Amedeo Modigliani, which businessman Liu Yiqian bought for US$170,405,000 at a Christie's auction in New York in 2015. [15]   [16]   [17] 
Features[edit]
Fees[edit]
 
Country/Region
Annual fee/limit
 
 United States
 US$5,000 (US$5,000 for each additional card member) plus one-time joining fee of US$10,000 [18] 
 
 United Kingdom
 £2,200 (US$3,014) (no pre-set credit limit) plus one-time joining fee of £2,500
 
 Canada
 Can$2,500 (US$2,000) plus one-time fee of Can$5,000 (US$4,000)
 
 India
 ₹236,000 (US$3,185) plus one time fees of ₹836,000 (US$11,282) with GST
 
 France, Spain, Belgium, Italy, Netherlands
 €3,000 (US$3,548) plus one time fee €3,000 (Italy, Netherlands)
 
 Germany, Austria
 €5,000 (US$5,914) plus one-time fee of €5,000 (US$5,914)
 
 Switzerland
 SFr 4,200 (US$4,615) (no pre-set credit limit)
 
 Australia
 A$5,000 (US$3,759) (increased from A$4,300 (US$3,233), effective 11 July 2012) plus one-time fee of A$5,000 (US$3,759), effective 11 July 2012
 
 Japan
 ¥365,000 (US$3,326) (increased from ¥197,000 (US$1,795), effective 1 January 2008)
 
 Hong Kong
 HK$38,800 (US$4,994) plus one time fee of 4994 (increase from HK$19,800 (US$2,548), effective 30 May 2013)
 
 South Korea (Republic of Korea)
 ₩3,000,000 (US$2,622), no pre-set credit limit
 
 China (People's Republic of China)
 RMB 18,000 (US$2,791) issued by Industrial and Commercial Bank of China (ICBC) and China Merchants Bank (CMB) pursuant to a license from American Express.  RMB 36,000 (US$5,581) issued by China Minsheng Bank (CMBC) pursuant to a license from American Express. [19] 
 
 Singapore
 S$7,490 (US$5,590) (no pre-set credit limit) plus one-time joining fee of S$7,490 (US$5,590)
 
 Kuwait
 US$4,000 for Titanium-based Centurion. Issued by American Express Middle East (Bahrain) (Same applies for Bahrain, United Arab Emirates, and Qatar)
 
 Mexico
 Mex$56,000 (US$2,763)
 
 Brazil
 R$10,000 (US$1,855)
 
 Argentina
ARS $388,320 (US$2,700)
 
 Saudi Arabia
 SRls 17,250 (US$4,600) plus one-time joining fees SRls 17,250 (US$4,600) (Including VAT). Issued by American Express Saudi Arabia.
 
International Dollar Currency Card (IDC)
 US$3,000 (US$0 for the first additional card member, US$1,500 for each additional card member thereafter) plus one-time fee of US$5,000 [20] 
 
International Currency Card Euro (ICC Euro)
 €4,000 (US$4,731) plus one-time fee of €4,000 (US$4,731)
 
International Currency Card Dollar (ICC Dollar)
 US$4,000 plus one-time fee of US$4,000
 
 Israel
 US$2,043 (~NIS 8,000), where payments can be made either in ILS or in US$.
 
 Turkey
 ₺19,000 (US$2,147) provided by Garanti BBVA.
 
 Russia (suspended due the Ukraine sanctions)
150,000₽ (US$2,037)
 
 Taiwan
 NT$160,000 (US$5,728) plus one-time fee of NT$160,000 (US$5,728) Note: minimum annual income (NT$3,500,000) [21] 
 
 Lebanon
 LL 3,000 (US$3,000)
 
 United Arab Emirates
 Dhs. 11,000 (US$3,000)
 
 Sweden
 SKr 35,000 (US$4,079) plus one-time fee of SKr 35,000(US$4,079) [22] 
   
Benefits[edit]
The card, available for personal and business use, offers services such as a dedicated concierge and travel agent; complimentary companion airline tickets on international flights on selected airlines with the purchase of a full-fare ticket; personal shoppers at retailers such as Gucci, Escada, and Saks Fifth Avenue; access to airport clubs; first-class flight upgrades; membership in Sony's Cierge personal shopping program and dozens of other elite club memberships. [3]  Hotel benefits include one free night, when at least one paid night is booked during the same stay, in every Mandarin Oriental hotel worldwide once a year [3]  (except for the New York City property), [23]  and privileges at hotel chains like Ritz-Carlton, Leading Hotels of the World, and Amanresorts. The card also features complimentary enrollment in Easirent Car Hire Platinum Service and the Avis Rent a Car President's Club. [24] 
 Centurion Card members, like Platinum Card members, get complimentary access to the American Express Centurion Lounges at several US airports. They also get no pre-set credit limit access to Priority Pass lounges around the world, [25]  plus additional lounge privileges based on the country their card is registered in. For example, Centurion cardholders in Canada also receive full access to Maple Leaf Lounges, a lounge network provided by Air Canada. [26]  At busy times, Centurion members have access to areas reserved for them. There are also drink options at the bar that are exclusive to Centurion members. As of 2015, they have a Champagne option of Veuve Clicquot and a single malt scotch by Balvenie. [27]  US cardholders earn 1 rewards point per dollar on all eligible purchases and 1.5 rewards points per dollar on purchases over US$5,000 (Up to 1 million additional points per calendar year). [28] 
Publications[edit]
Since the inception of the card, members have received a copy of  Departures , which is also sent to all Platinum Card cardholders. In 2004, American Express Centurion members in the US began receiving an exclusive "no name" magazine, which was not available by any other means. Starting with the Spring 2007 edition, this magazine was officially titled  Black Ink . The magazine is available only to individual Centurion cardholders, not to the business-edition customers. European, Asian, and Australian Centurion members receive quarterly the  Centurion  magazine published by Journal International GmbH (Munich, Germany). [29]  In June 2011, the Centurion magazine website was launched, offering daily updates for Centurion Card members. According to Journal International, the average age of a Centurion reader from Europe or the Middle East is 49 years. Centurion has been published since 2001 and has a circulation in Europe and the Middle East of 44,100, in Asia of 13,900, and in Australia of 6,000. [14] 
In popular culture[edit]
Famous cardholders[edit]
American Express does not disclose a list of Centurion cardholders but a number of celebrities have been associated with the card. [30] 
 During the filming of a backstage interview at the 2007 BRIT Awards, Noel Gallagher held his Centurion card up to the camera and said "You have to earn a ridiculous amount of money per year to own one of those." [31]  In a 2009 interview with talkSPORT, Gallagher said, "I do own a black Amex card that has no pre-set credit limit credit and cannot be denied anywhere. I could walk into a showroom selling Boeing 747s and, regardless of whether I could afford it, they'd have to accept the card."
 Former  Top Gear  presenter Jeremy Clarkson wrote in a 2004 article for  The Times of London  newspaper that he lied about his salary to obtain a Centurion card after reading "an interview with some chap who'd got a fist full of cards in his pocket and claimed that the more shiny examples, specifically the much-coveted black American Express, gave him certain privileges." Clarkson ultimately decided to cancel the card after being unimpressed with its benefits. [32] 
Music[edit]
The Centurion card has become a status symbol in the music industry, especially in hip-hop culture. [33]  In 2002,  Bloomberg News  reported that rapper Sean "P. Diddy" Combs used the card to buy 400 cocktails at a bar in Los Angeles. [34]  In the song "Doing It Way Big" (2003), Lil' Kim sings: I smack niggas 'cross the face with a Centurion card / Who don't believe I'm (doing it way big). Lil' Kim later posed with a Centurion card attached to a diamond-studded necklace for a  Nylon  magazine photoshoot. [35]  In the song "Last Call" (2004), Kanye West refers to the card with the lyrics: I went to the malls and I balled too hard / "Oh my God, is that a black card?" / I turned around and replied, "Why yes / But I prefer the term African American Express". In "Welcome Back" (2004), Mase sings: Amex black card / Shopper of the year. In "Get It Poppin'" (2005), Fat Joe sings: I got that black no limit American Express card. In Einmal um die Welt (2012), German rapper Cro says his girlfriend can buy what she wants because he has "an American Express, and of course the black one." Other singers including Ariana Grande, Beyoncé, Jay-Z, Lady Gaga, Bow Wow, Nelly Furtado, Lil Wayne, Nickelback also mention black cards in their song lyrics but not a specific American Express product.
Film and TV[edit]
The Centurion card has been used as an on-screen prop.
 In  Quantum of Solace , James Bond hands a Centurion card to a travel agent with a private jet chartering company to pay for a flight to Bolivia. The payment is declined by MI6 as the intelligence service seeks to strip Bond of his duties and revokes his credit cards and passports. The Centurion replica used in the film was part of the Bond in Motion exhibition at the London Film Museum. [36] 
 In the pilot episode of the USA Network medical comedy-drama show  Royal Pains , Tucker Bryant, the young heir to a family fortune earned from inventing the blender, injures himself crashing his father’s Ferrari. He tells a doctor to "go into my wallet and get the little black card that says American Express on it" and flies by helicopter from the Hamptons to Mount Sinai Hospital in Manhattan.
 In an episode of the NBC crime-drama show  Law &amp; Order: Special Victims Unit , one character is described as "by the look of his black American Express, very rich."
 In two episodes of the HBO comedy-drama show  Succession , Kendall and Siobhan Roy, heirs to a media fortune, use their Centurion cards at a bar and a coffee shop.
 In an episode of the CBS sitcom  Two and a Half Men , internet billionaire Walden Schmidt uses the card to buy groceries.
 In an episode of the tvN romantic-drama show Crash Landing on You, businesswoman Yoon Se-ri uses the Centurion card to purchase clothing for Ri Jeong-hyeok.
Literature[edit]
In Lauren Weisberger's novel  Everyone Worth Knowing , the protagonist Bette remarks on her coworker paying for dinner with the card: "There it was, the mythical American Express black card. Available by invitation only to those who charged a minimum of $150,000 per year." [37] 
 In Robert Crais's novel  The Watchman , the daughter of a wealthy businessman is described as having a Centurion card. [38] 
 The main character in Cory Doctorow's book  Attack Surface  uses an American Express Black card several times.
See also[edit]
  J.P. Morgan and the Reserve Card (Palladium Card)
 MasterCard and Visa 
 Credit score in the United States 
 Banking in the United States  
References[edit]
  ^  Sullivan, Paul (2011-01-24). "American Express's New Service for Its Wealthiest Cardholders". Bucks Blog. Retrieved 2023-01-10.
^    a       b       c     "The American Express Black Card May Exist Thanks to Jerry Seinfeld". cnbc.com. 11 September 2018.
^    a       b       c       d       e    Chevalier, Michel (2012). Luxury Brand Management. Singapore: John Wiley &amp; Sons. ISBN  978-1-118-17176-9 .
  ^  Adams, Dia (January 12, 2023). "American Express Centurion Black Card 2023 Review". www.forbes.com. Retrieved 2023-01-14.
  ^  Mull, Amanda (2022-11-29). "Please Look at My Metal Credit Card". The Atlantic. Retrieved 2023-01-14.
  ^  MAx, James (July 29, 2022). "Rich People's Problems: Should I ditch my Amex Centurion card?". Financial Times. Retrieved January 14, 2023.
  ^   "An American Express Black Card?". luxuryplastic.com.
  ^   "Black American Express Card". snopes.com.
  ^  American Express v. Black Card LLC - Complaint and Jury Demand, February 20, 2010; retrieved from Scribd, July 2, 2010
  ^  [1] AMEX Wins Cancellation of BLACKCARD Trademark Registration, Ryan Gile, November 22, 2011
  ^  Frankel, Matthew (24 August 2014). "Is The American Express Black Card Really Worth It? The Centurion card, or 'black card', is the most exclusive credit card in the world, but is it worth the high cost?". The Motley Fool. Retrieved 4 July 2018.
  ^   "American Express Centurion Black Card 2022 Review".  Forbes . 20 July 2020.
^    a       b    pe.pdf American Express Centurion/Departures - Media Kit, Europe &amp; Middle East 2010
  ^  Qin, Amy (17 November 2015). "With Modigliani Purchase Chinese Billionaire Liu Yiqian Dreams of Bigger Canvas".  The New York Times .
  ^   "Billionaire Earns First Class Travel For Life By Putting Modigliani Nude on Amex". theguardian.com. 24 November 2015.
  ^   "Why Is a Chinese Billionaire Charging a $170.4 Million Painting on an Amex Card?". newsweek.com. 23 November 2015.
  ^   "Cardmember Agreement" (PDF). American Express. 2019-11-16. Archived from the original (PDF) on 2019-11-17. Retrieved 2014-06-18.
  ^   "Minsheng to offer new Amex cards|Business|chinadaily.com.cn". usa.chinadaily.com.cn. Retrieved 2018-05-19.
  ^   "Cardmember Agreement - The Centurion® Card - International Dollar Card" (PDF). 2019-09-30. Retrieved 2019-12-18.
  ^  Taiwan TV news 2015-11-24 on department clerk leaking client's card on FaceBook
  ^   "Medlemsvillkor för American Express® - Kort" (PDF). 2021-07-03. Retrieved 2021-07-03.
  ^   "American Express". Archived from the original on July 24, 2011.
  ^   "Official American Express Centurion Card Interactive Tour". Archived from the original on 2011-07-08. Retrieved 2008-12-31.
  ^   "American Express Centurion Card Benefits". 2016.
  ^   "Amex Centurion 'Black' Card - The Complete Guide". Yore Oyster. 2019-09-20. Retrieved 2020-01-08.
  ^   "American Express Black Card: What Is This Secret Card?". fhrnews.com.
  ^   "American Express Centurion Black Card 2022 Review".  Forbes . 20 July 2020.
  ^   "About Us". Centurion. Archived from the original on 17 August 2013. Retrieved 19 October 2013.
  ^   "Celebs Who Roll with the Amex Black Card". zimbio.com.
  ^   "I bet you haven't got one!!!". youtube.com. Archived from the original on 2021-12-15.
  ^   "Jeremy Clarkson: I'm a nobody, my jet set credit card tells me so". The Times. January 11, 2004.
  ^   "Hip Hop's Love Of The Black Card Celebrated Online". hiphopdx.com. 12 June 2009.
  ^   "American Express markets elite 'black card'". the.honoluluadvertiser.com.
  ^   "Full Article Lil Kim Nylon Magazine 2003". tumblr.com.
  ^   "American Express Centurion Card". jamesbondlifestyle.com. 25 March 2015.
  ^  Weisberger, Lauren (2 May 2006).  Everyone Worth Knowing . ISBN  9780743262330 .
  ^  Crais, Robert (29 January 2008).  The Watchman: A Joe Pike Novel . ISBN  9781416514978 .
 
External links[edit]
  Official website
Centurion Card - Wikipedia
https://en.wikipedia.org/wiki/Centurion_Card
https://techcrunch.com/2020/06/25/karat-black-card/
Karat launches a credit card for online creators
2020-06-25
Anthony Ha
<div><div>
	<p><a href="http://trykarat.com/">Karat</a> is a new startup promising to build better banking products for the creators who make a living on YouTube, Instagram, Twitch and other online platforms. Today it’s unveiling its first product — the Karat Black Card.</p>
<p>The startup, which was part of accelerator <a href="https://techcrunch.com/2019/11/04/venture-capitalists-like-and-subscribe-to-influencers/">Y Combinator’s Winter 2020 batch</a>, is also announcing that it has raised $4.6 million in seed funding from Twitch co-founder Kevin Lin, SignalFire, YC, CRV and Coatue.</p>
<p>Co-founder and co-CEO Eric Wei knows the creator world well, thanks to his time as product manager for Instagram Live. (His co-founder Will Kim was previously an investor with seed fund Lucky Capital.) Wei told me that although many creators have significant incomes, banks rarely understand their business or offer them good terms when they need capital.</p>
<p>“Traditional banks care a lot about FICO [credit scores],” he said. “A lot of YouTubers, when they’re blowing up, they don’t have time to think: Let me make sure my FICO is awesome as well.”</p>
<p>At the same time, he argued that creators have become suspicious of potentially scammy financial offers, to the point that if you were to attend a pre-COVID VidCon and tried to give out $3,000, “The good creators will not take it, even if you tell them there are no strings behind it.”</p>
<div><p></p><p>Karat co-founders Will Kim and Eric Wei</p></div>
<p>With the Karat Black Card, the startup is giving creators a credit card that they can use for their business-related expenses. When creators are approved, they receive a $250 bonus that can be applied to any future purchases of electronics or equipment. The card also comes with custom designs, 2% to 5% cash back on purchases and it even offers advances on sponsorship payments.</p>
<p>Underlying it, Wei said Karat has developed an underwriting model that works for creators. Instead of looking at credit scores, Karat focuses on the size of a creator’s following, their current revenue and whether or not they’re “business savvy.”</p>
<p>“It’s not just the number of followers you have, but what platforms,” Wei added. “I would rather have 100,000 subscribers on YouTube than 1 million on TikTok, because on TikTok, it’s all algorithmically driven.”</p>
<p>Karat has already provided the card to an initial group of creators, including <a href="https://www.youtube.com/channel/UCWzLmNWhgeh3h1j-M-Isy0g">TheRussianBadger</a>, <a href="https://www.youtube.com/channel/UCHsRtomD4twRf5WVHHk-cMw">TierZoo</a> and <a href="https://www.instagram.com/nasdaily/?hl=en">Nas Daily.</a> Wei said the model is working so far, with no defaults.</p>
<p>For now, the card is aimed at professional, full-time creators who have at least 100,000 followers. Wei estimated that that’s a potential customer base of 1 million creators. Eventually, he wants to provide those creators with more than a black card.</p>
<p>“We’re building a vertical financial and biz ops experience,” he said. “People in earlier stages, we do want to get to them eventually, but only after we feel like we’ve developed enough of an underwriting model.”</p>
	</div>||||I|||| Karat launches a credit card for online creators

 Anthony Ha @anthonyha / 3 years

 Karat is a new startup promising to build better banking products for the creators who make a living on YouTube, Instagram, Twitch and other online platforms. Today it’s unveiling its first product — the Karat Black Card.

 The startup, which was part of accelerator Y Combinator’s Winter 2020 batch, is also announcing that it has raised $4.6 million in seed funding from Twitch co-founder Kevin Lin, SignalFire, YC, CRV and Coatue.

 Co-founder and co-CEO Eric Wei knows the creator world well, thanks to his time as product manager for Instagram Live. (His co-founder Will Kim was previously an investor with seed fund Lucky Capital.) Wei told me that although many creators have significant incomes, banks rarely understand their business or offer them good terms when they need capital.

 “Traditional banks care a lot about FICO [credit scores],” he said. “A lot of YouTubers, when they’re blowing up, they don’t have time to think: Let me make sure my FICO is awesome as well.”

 At the same time, he argued that creators have become suspicious of potentially scammy financial offers, to the point that if you were to attend a pre-COVID VidCon and tried to give out $3,000, “The good creators will not take it, even if you tell them there are no strings behind it.”

 Karat co-founders Will Kim and Eric Wei

 With the Karat Black Card, the startup is giving creators a credit card that they can use for their business-related expenses. When creators are approved, they receive a $250 bonus that can be applied to any future purchases of electronics or equipment. The card also comes with custom designs, 2% to 5% cash back on purchases and it even offers advances on sponsorship payments.

 Underlying it, Wei said Karat has developed an underwriting model that works for creators. Instead of looking at credit scores, Karat focuses on the size of a creator’s following, their current revenue and whether or not they’re “business savvy.”

 “It’s not just the number of followers you have, but what platforms,” Wei added. “I would rather have 100,000 subscribers on YouTube than 1 million on TikTok, because on TikTok, it’s all algorithmically driven.”

 Karat has already provided the card to an initial group of creators, including TheRussianBadger, TierZoo and Nas Daily. Wei said the model is working so far, with no defaults.

 For now, the card is aimed at professional, full-time creators who have at least 100,000 followers. Wei estimated that that’s a potential customer base of 1 million creators. Eventually, he wants to provide those creators with more than a black card.

 “We’re building a vertical financial and biz ops experience,” he said. “People in earlier stages, we do want to get to them eventually, but o nly after we feel like we’ve developed enough of an underwriting model.”

 Venture capitalists ‘like and subscribe’ to influencers

Karat is a new startup promising to build better banking products for the creators who make a living on YouTube, Instagram, Twitch and other online platforms. Today it’s unveiling its first product — the Karat Black Card.
The startup, which was part of accelerator Y Combinator’s Winter 2020 batch, is also announcing that it has raised $4.6 million in seed funding from Twitch co-founder Kevin Lin, SignalFire, YC, CRV and Coatue.
Co-founder and co-CEO Eric Wei knows the creator world well, thanks to his time as product manager for Instagram Live. (His co-founder Will Kim was previously an investor with seed fund Lucky Capital.) Wei told me that although many creators have significant incomes, banks rarely understand their business or offer them good terms when they need capital.
“Traditional banks care a lot about FICO [credit scores],” he said. “A lot of YouTubers, when they’re blowing up, they don’t have time to think: Let me make sure my FICO is awesome as well.”
At the same time, he argued that creators have become suspicious of potentially scammy financial offers, to the point that if you were to attend a pre-COVID VidCon and tried to give out $3,000, “The good creators will not take it, even if you tell them there are no strings behind it.”
   Karat co-founders Will Kim and Eric Wei 
With the Karat Black Card, the startup is giving creators a credit card that they can use for their business-related expenses. When creators are approved, they receive a $250 bonus that can be applied to any future purchases of electronics or equipment. The card also comes with custom designs, 2% to 5% cash back on purchases and it even offers advances on sponsorship payments.
Underlying it, Wei said Karat has developed an underwriting model that works for creators. Instead of looking at credit scores, Karat focuses on the size of a creator’s following, their current revenue and whether or not they’re “business savvy.”
“It’s not just the number of followers you have, but what platforms,” Wei added. “I would rather have 100,000 subscribers on YouTube than 1 million on TikTok, because on TikTok, it’s all algorithmically driven.”
Karat has already provided the card to an initial group of creators, including TheRussianBadger, TierZoo and Nas Daily. Wei said the model is working so far, with no defaults.
For now, the card is aimed at professional, full-time creators who have at least 100,000 followers. Wei estimated that that’s a potential customer base of 1 million creators. Eventually, he wants to provide those creators with more than a black card.
“We’re building a vertical financial and biz ops experience,” he said. “People in earlier stages, we do want to get to them eventually, but only after we feel like we’ve developed enough of an underwriting model.”
Karat launches a credit card for online creators
https://techcrunch.com/2020/06/25/karat-black-card/?utm_source=dlvr.it&utm_medium=twitter
https://www.dazeddigital.com/music/article/53613/1/you-can-now-own-an-official-blackpink-credit-card
Get your hands on an official BLACKPINK credit card
2021-07-22
Sofia Mahirova
<div><nav></nav><nav></nav><div><article><div><header><figure><p><a href="https://www.pinterest.com/pin/create/button/?url=https://www.dazeddigital.com/music/article/53613/1/you-can-now-own-an-official-blackpink-credit-card&amp;media=https://images-prod.dazeddigital.com/661/azure/dazed-prod/1310/1/1311029.jpg&amp;description="></a></p><figcaption></figcaption></figure></header><div><h2>How you </h2>
<div><p>Blinks, rejoice! With the release of their five-year anniversary celebrations just around the corner (August 8, to be exact), <a href="https://www.dazeddigital.com/tag/blackpink">BLACKPINK</a> are launching their very own range of credit cards.</p>
<p>The group made the announcement on Instagram, where they previewed the four cards – one for each member. <a href="https://www.instagram.com/sooyaaa__/?hl=en">Jisoo</a>, <a href="https://www.instagram.com/jennierubyjane/">Jennie</a>, <a href="https://www.instagram.com/roses_are_rosie/">Rosé</a>, and <a href="https://www.instagram.com/lalalalisa_m/?hl=en">Lisa</a> all reportedly participated in the design of their individual cards too, so what are you waiting for?</p>
<p>“We expect to create great synergy through the credit card launched together with BC Card. With the fifth debut anniversary of BLACKPINK approaching, we hope this partnership is an opportunity to provide greater satisfaction to fans,” said YG Entertainment, the band’s agency.</p>
<p>“We are delighted to launch the first credit card collaboration with BLACKPINK. We plan to release a variety of products for the MZ generation,” added YG Entertainment CEO Choi Won Suk.</p></div>
<div><p>Back in June, the South Korean stars announced a mysterious project ahead of their fifth anniversary. Titled the ‘4+1 Project’, the celebrations will kick off with a <a href="https://www.dazeddigital.com/film-tv/article/53307/1/blackpink-s-five-year-anniversary-film-is-hitting-theatres">brand new movie</a> on August 4, featuring exclusive interviews with messages to fans and re-edited footage from live-streamed concert The Show and 2018’s In Your Area tour. There will also be a photobook with unreleased images of the group.</p>
<p>While you wait: BLACKPINK member <a href="https://www.instagram.com/roses_are_rosie/">Rosé</a> recently performed an acoustic cover of “The Only Exception” by <a href="https://www.dazeddigital.com/tag/paramore">Paramore</a> on South Korean variety show <em>Sea of Hope</em>. Take a listen <a href="https://www.dazeddigital.com/music/article/53545/1/blackpink-s-rose-shares-an-emotional-paramore-cover">here</a>.</p></div>
<div><blockquote><div><p>[BLACKPINK x BC CARD]</p><p>Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of <a href="https://twitter.com/hashtag/BLACKPINK?src=hash&amp;ref_src=twsrc%5Etfw">#BLACKPINK</a>'s debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."<a href="https://twitter.com/BLACKPINK?ref_src=twsrc%5Etfw">@BLACKPINK</a><a href="https://t.co/HElHVuI4zB">pic.twitter.com/HElHVuI4zB</a></p></div>— YG ARTISTS GLOBAL (@YGA_GLOBAL) <a href="https://twitter.com/YGA_GLOBAL/status/1416909238731886594?ref_src=twsrc%5Etfw">July 18, 2021</a></blockquote></div><div><blockquote><div><p>[BLACKPINK x BC CARD]</p><p>Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of <a href="https://twitter.com/hashtag/BLACKPINK?src=hash&amp;ref_src=twsrc%5Etfw">#BLACKPINK</a>'s debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."<a href="https://twitter.com/BLACKPINK?ref_src=twsrc%5Etfw">@BLACKPINK</a><a href="https://t.co/HElHVuI4zB">pic.twitter.com/HElHVuI4zB</a></p></div>— YG ARTISTS GLOBAL (@YGA_GLOBAL) <a href="https://twitter.com/YGA_GLOBAL/status/1416909238731886594?ref_src=twsrc%5Etfw">July 18, 2021</a></blockquote></div><div><blockquote>— GLOBAL BLACKPINK ♛ (@GlobalBlackPink) <a href="https://twitter.com/GlobalBlackPink/status/1415155181193367552?ref_src=twsrc%5Etfw">July 14, 2021</a></blockquote></div></div></div></article><a href="https://apps.apple.com/app/apple-store/id6463440577?pt=410940&amp;ct=hmpgbnnr1&amp;mt=8"><div><div><h4>
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 MusicNews
 22 July 2021
 Text Sofia Mahirova
 Share

 via Twitter (@globalblackpink)

 Get your hands on an official BLACKPINK credit card

 MusicNews

 How you like that?

 22 July 2021
 Text Sofia Mahirova

 Blinks, rejoice! With the release of their five-year anniversary celebrations just around the corner (August 8, to be exact), BLACKPINK are launching their very own range of credit cards.

 The group made the announcement on Instagram, where they previewed the four cards – one for each member. Jisoo, Jennie, Rosé, and Lisa all reportedly participated in the design of their individual cards too, so what are you waiting for?

 “We expect to create great synergy through the credit card launched together with BC Card. With the fifth debut anniversary of BLACKPINK approaching, we hope this partnership is an opportunity to provide greater satisfaction to fans,” said YG Entertainment, the band’s agency.

 “We are delighted to launch the first credit card collaboration with BLACKPINK. We plan to release a variety of products for the MZ generation,” added YG Entertainment CEO Choi Won Suk.

 Read More
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 Back in June, the South Korean stars announced a mysterious project ahead of their fifth anniversary. Titled the ‘4+1 Project’, the celebrations will kick off with a brand new movie on August 4, featuring exclusive interviews with messages to fans and re-edited footage from live-streamed concert The Show and 2018’s In Your Area tour. There will also be a photobook with unreleased images of the group.

 While you wait: BLACKPINK member Rosé recently performed an acoustic cover of “The Only Exception” by Paramore on South Korean variety show Sea of Hope. Take a listen here.

 [UPDATE] BLACKPINK CARD with #JISOO#JENNIE#ROSÉ#LISA by BC CARD!#BLACKPINK@BLACKPINKpic.twitter.com/TCYmM7jWSd

 — GLOBAL BLACKPINK ♛ (@GlobalBlackPink) July 19, 2021

 [BLACKPINK x BC CARD]

 Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of #BLACKPINK's debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."@BLACKPINKpic.twitter.com/HElHVuI4zB

 — YG ARTISTS GLOBAL (@YGA_GLOBAL) July 18, 2021

 [BLACKPINK x BC CARD]

 Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of #BLACKPINK's debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."@BLACKPINKpic.twitter.com/HElHVuI4zB

 — YG ARTISTS GLOBAL (@YGA_GLOBAL) July 18, 2021

 [IG] bccard_official instagram update

 “#BLACKPINK x BC Card Event”

 visits for details👉🏻 https://t.co/efp9EPEBsK#BLACKPINK@BLACKPINKpic.twitter.com/uRipkbHxPf

 — GLOBAL BLACKPINK ♛ (@GlobalBlackPink) July 14, 2021
 MusicNewsBLACKPINKK-pop

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How you 
 Blinks, rejoice! With the release of their five-year anniversary celebrations just around the corner (August 8, to be exact), BLACKPINK are launching their very own range of credit cards.
The group made the announcement on Instagram, where they previewed the four cards – one for each member. Jisoo, Jennie, Rosé, and Lisa all reportedly participated in the design of their individual cards too, so what are you waiting for?
“We expect to create great synergy through the credit card launched together with BC Card. With the fifth debut anniversary of BLACKPINK approaching, we hope this partnership is an opportunity to provide greater satisfaction to fans,” said YG Entertainment, the band’s agency.
“We are delighted to launch the first credit card collaboration with BLACKPINK. We plan to release a variety of products for the MZ generation,” added YG Entertainment CEO Choi Won Suk. 
 Back in June, the South Korean stars announced a mysterious project ahead of their fifth anniversary. Titled the ‘4+1 Project’, the celebrations will kick off with a brand new movie on August 4, featuring exclusive interviews with messages to fans and re-edited footage from live-streamed concert The Show and 2018’s In Your Area tour. There will also be a photobook with unreleased images of the group.
While you wait: BLACKPINK member Rosé recently performed an acoustic cover of “The Only Exception” by Paramore on South Korean variety show Sea of Hope. Take a listen here. 
   [BLACKPINK x BC CARD] Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of #BLACKPINK's debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."@BLACKPINK pic.twitter.com/HElHVuI4zB  — YG ARTISTS GLOBAL (@YGA_GLOBAL) July 18, 2021      [BLACKPINK x BC CARD] Hwang Bokyung, CEO of YGE said, "As we are approaching the 5th anniversary of #BLACKPINK's debut, we hope that this partnership will be an opportunity to give fans greater satisfaction."@BLACKPINK pic.twitter.com/HElHVuI4zB  — YG ARTISTS GLOBAL (@YGA_GLOBAL) July 18, 2021    — GLOBAL BLACKPINK ♛ (@GlobalBlackPink) July 14, 2021         
Download the app 📱
            Join Dazed Club
Get your hands on an official BLACKPINK credit card
https://www.dazeddigital.com/music/article/53613/1/you-can-now-own-an-official-blackpink-credit-card
https://www.urbandictionary.com/define.php?term=Credit%20Card
Urban Dictionary: Credit Card
2003-03-02
None
<div><section><div><div><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-card.urbanup.com%2F47258"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-card.urbanup.com%2F47258"></a></li></ul></div><div><p>The act of <a href="/define.php?term=sliding">sliding</a> your hand through <a href="/define.php?term=one%27s">one's</a> <a href="/define.php?term=ass%20crack">ass crack</a>.</p></div><div><p>When <a href="/define.php?term=Sylvia">Sylvia</a> was <a href="/define.php?term=bending%20over">bending over</a>, I was so tempted to give her a good <a href="/define.php?term=ol%27">ol'</a> Credit Card</p></div><div><p>by <a href="/author.php?author=Davy%20K">Davy K</a> March 2, 2003</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=47258">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=47258">Get the Credit Card mug.</a></p></div><p><a href="https://urbandictionary.wufoo.com/forms/?formname=zqjq6ng0t3f0hn&amp;field9=Credit+Card">Advertise here for $5/day</a></p><div><div><div><h2><a href="/define.php?term=Credit+Card">Credit Card</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-card.urbanup.com%2F2421550"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-card.urbanup.com%2F2421550"></a></li></ul></div></div><div><p>When you accidentally <a href="/define.php?term=mess%20up">mess up</a> on your <a href="/define.php?term=skateboard">skateboard</a> and the board goes <a href="/define.php?term=up%20your%20ass">up your ass</a>, or hits your balls</p></div><p>You <a href="/define.php?term=ollie">ollie</a> to start a <a href="/define.php?term=hardflip">hardflip</a> and you do it just not completely and it lands with the tip on the ground and the other in an uncomfortable place <a href="/define.php?term=Credit%20Carded">Credit Carded</a></p><div><p>by <a href="/author.php?author=Urban%20Dictionary">Urban Dictionary</a> May 17, 2007</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=2421550">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=2421550">Get the Credit Card mug.</a></p></div><div><div><div><h2><a href="/define.php?term=Credit+Card">Credit Card</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-card.urbanup.com%2F15483716"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-card.urbanup.com%2F15483716"></a></li></ul></div></div><p>A credit card is something you use to buy <a href="/define.php?term=Vbucks">Vbucks</a> Or <a href="/define.php?term=Robux">Robux</a>.
<br />You either steal <a href="/define.php?term=the%20credit%20card">the credit card</a> from someone or get you're own.
<br />there is money on the credit card that allows u to buy Vbucks Or Robux.</p><p>You swipe <a href="/define.php?term=the%20Credit%20Card">the Credit Card</a> on the machine they give you when u have to pay OR if you're buying something online you have to put the card number the <a href="/define.php?term=expiration%20date">expiration date</a> and the <a href="/define.php?term=cvv">cvv</a></p><div><p>by <a href="/author.php?author=CREDIT%20CARD">CREDIT CARD</a> November 14, 2020</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=15483716">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=15483716">Get the Credit Card mug.</a></p></div><p><a href="https://urbandictionary.wufoo.com/forms/?formname=zqjq6ng0t3f0hn&amp;field9=Credit+Card">Advertise here for $5/day</a></p><div><div><div><h2><a href="/define.php?term=Credit+Carding">Credit Carding</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-carding.urbanup.com%2F8223365"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-carding.urbanup.com%2F8223365"></a></li></ul></div></div><div><p>When one takes their hand and <a href="/define.php?term=wipes">wipes</a> <a href="/define.php?term=it%20up">it up</a> and down one's <a href="/define.php?term=butt%20crack">butt crack</a>.</p></div><div><p>"That man just passed me and <a href="/define.php?term=credit%20carded">credit carded</a> me!"
<br />"<a href="/define.php?term=Those%20people">Those people</a> are <a href="/define.php?term=credit%20carding">credit carding</a> each other."</p></div><div><p>by <a href="/author.php?author=Laughingjellycloud">Laughingjellycloud</a> April 17, 2015</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=8223365">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=8223365">Get the Credit Carding mug.</a></p></div><div><div><div><h2><a href="/define.php?term=Credit+carded">Credit carded</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-carded.urbanup.com%2F3247986"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-carded.urbanup.com%2F3247986"></a></li></ul></div></div><p>In <a href="/define.php?term=skateboarding">skateboarding</a>, it is when the board lands 90 <a href="/define.php?term=degress">degress</a> between your legs and you land <a href="/define.php?term=on%20top%20of%20it">on top of it</a>. Like a giant credit card between your legs.</p><div><p>Dave: AAAAAAAAAHHHHHHHHHHHH, my <a href="/define.php?term=gooch">gooch</a>
<br />Little Bob: <a href="/define.php?term=oooooo">oooooo</a>.. <a href="/define.php?term=credit%20carded">credit carded</a>.</p></div><div><p>by <a href="/author.php?author=Robatedave">Robatedave</a> July 27, 2008</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=3247986">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=3247986">Get the Credit carded mug.</a></p></div><p><a href="https://urbandictionary.wufoo.com/forms/?formname=zqjq6ng0t3f0hn&amp;field9=Credit+Card">Advertise here for $5/day</a></p><div><div><div><h2><a href="/define.php?term=credit+card">credit card</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-card.urbanup.com%2F190137"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-card.urbanup.com%2F190137"></a></li></ul></div></div><div><p>The worst <a href="/define.php?term=mistake">mistake</a> a <a href="/define.php?term=college%20student">college student</a> can ever make is to <a href="/define.php?term=get%20one">get one</a>.</p></div><div><p><a href="/define.php?term=Nuff%20said">Nuff said</a>.</p></div><p>by <a href="/author.php?author=kid">kid</a> July 22, 2003</p><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=190137">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=190137">Get the credit card mug.</a></p></div><div><div><div><h2><a href="/define.php?term=credit+card">credit card</a></h2><div><ul><li><a href="https://twitter.com/intent/tweet?text=http%3A%2F%2Fcredit-card.urbanup.com%2F3944717"></a></li><li><a href="https://www.facebook.com/sharer/sharer.php?u=http%3A%2F%2Fcredit-card.urbanup.com%2F3944717"></a></li></ul></div></div><div><p>A piece of <a href="/define.php?term=plastic">plastic</a> that has <a href="/define.php?term=demonic">demonic</a> powers in its abiltity to keep a person in <a href="/define.php?term=financial%20slavery">financial slavery</a> for the rest of their life.</p></div><div><p>A credit card is <a href="/define.php?term=donomic">donomic</a> and should only be used when absolutely <a href="/define.php?term=necessary">necessary</a> or in an <a href="/define.php?term=emergency">emergency</a>.</p></div><div><p>by <a href="/author.php?author=krock1dk%40yahoo.com">krock1dk@yahoo.com</a> May 6, 2009</p></div><div><a href="/remove.form.php?reconsider%5Bdefid_to_remove%5D=3944717">Flag</a></div></div><p><a href="https://urbandictionary.store/products/mug?defid=3944717">Get the credit card mug.</a></p></div><div><ul><li>1</li><li><a href="/define.php?term=Credit%20Card&amp;page=2">2</a></li><li><a href="/define.php?term=Credit%20Card&amp;page=3">3</a></li><li><a href="/define.php?term=Credit%20Card&amp;page=4">4</a></li><li><a href="/define.php?term=Credit%20Card&amp;page=5">5</a></li></ul><ul><li><a href="/define.php?term=Credit%20Card&amp;page=2">Next ›</a></li><li><a href="/define.php?term=Credit%20Card&amp;page=20">Last »</a></li></ul></div><div><p><a href="/random.php">More random definitions</a></p></div></section>||||I|||| * 
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 Credit Card

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 The act of sliding your hand through one's ass crack.
 When Sylvia was bending over, I was so tempted to give her a good ol' Credit Card
 by Davy K March 2, 2003
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 Credit Card

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 When you accidentally mess up on your skateboard and the board goes up your ass, or hits your balls
 You ollie to start a hardflip and you do it just not completely and it lands with the tip on the ground and the other in an uncomfortable place Credit Carded
 by Urban Dictionary May 17, 2007
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 Credit Card

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 * 
 A credit card is something you use to buy Vbucks Or Robux.
 You either steal the credit card from someone or get you're own.
 there is money on the credit card that allows u to buy Vbucks Or Robux.
 You swipe the Credit Card on the machine they give you when u have to pay OR if you're buying something online you have to put the card number the expiration date and the cvv
 by CREDIT CARD November 14, 2020
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 Credit Carding

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 When one takes their hand and wipes it up and down one's butt crack.
 "That man just passed me and credit carded me!"
 "Those people are credit carding each other."
 by Laughingjellycloud April 17, 2015
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 Credit carded

 * 
 * 
 In skateboarding, it is when the board lands 90 degress between your legs and you land on top of it. Like a giant credit card between your legs.
 Dave: AAAAAAAAAHHHHHHHHHHHH, my gooch
 Little Bob: oooooo.. credit carded.
 by Robatedave July 27, 2008
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 credit card

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 The worst mistake a college student can ever make is to get one.
 Nuff said.
 by kid July 22, 2003
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 credit card

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 A piece of plastic that has demonic powers in its abiltity to keep a person in financial slavery for the rest of their life.
 A credit card is donomic and should only be used when absolutely necessary or in an emergency.
 by krock1dk@yahoo.com May 6, 2009
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The act of sliding your hand through one's ass crack.   When Sylvia was bending over, I was so tempted to give her a good ol' Credit Card   by Davy K March 2, 2003   Flag    Get the Credit Card mug.    Advertise here for $5/day      Credit Card                When you accidentally mess up on your skateboard and the board goes up your ass, or hits your balls  You ollie to start a hardflip and you do it just not completely and it lands with the tip on the ground and the other in an uncomfortable place Credit Carded   by Urban Dictionary May 17, 2007   Flag    Get the Credit Card mug.       Credit Card               A credit card is something you use to buy Vbucks Or Robux.
You either steal the credit card from someone or get you're own.
there is money on the credit card that allows u to buy Vbucks Or Robux. You swipe the Credit Card on the machine they give you when u have to pay OR if you're buying something online you have to put the card number the expiration date and the cvv   by CREDIT CARD November 14, 2020   Flag    Get the Credit Card mug.    Advertise here for $5/day      Credit Carding                When one takes their hand and wipes it up and down one's butt crack.   "That man just passed me and credit carded me!"
"Those people are credit carding each other."   by Laughingjellycloud April 17, 2015   Flag    Get the Credit Carding mug.       Credit carded               In skateboarding, it is when the board lands 90 degress between your legs and you land on top of it. Like a giant credit card between your legs.  Dave: AAAAAAAAAHHHHHHHHHHHH, my gooch
Little Bob: oooooo.. credit carded.   by Robatedave July 27, 2008   Flag    Get the Credit carded mug.    Advertise here for $5/day      credit card                The worst mistake a college student can ever make is to get one.    Nuff said.  by kid July 22, 2003  Flag    Get the credit card mug.       credit card                A piece of plastic that has demonic powers in its abiltity to keep a person in financial slavery for the rest of their life.   A credit card is donomic and should only be used when absolutely necessary or in an emergency.   by krock1dk@yahoo.com May 6, 2009   Flag    Get the credit card mug.     1  2   3   4   5     Next ›   Last »      More random definitions
Urban Dictionary: Credit Card
https://www.urbandictionary.com/define.php?term=Credit%20Card