American Express Black Card Requirements

Posted by CreditCardGuru

American Express Black CardQ: What are the American Express Black card requirements?

A: The qualifications for the “black card” (officially called the Centurion card) from American Express (a CreditCardForum advertising partner) have changed slightly since the card first came out in 1999, but they’ve always been strict. Let’s take a look at what’s currently required for 2015 if you want to get this credit card:

The annual fee

When the card first came out, the annual fee was “only” $1,000. Since then, AmEx raised the annual fee all the way up to $2,500. In addition, they’ve now tacked on a $7,500 so-called “initiation fee” just to get the card. The early Centurion cardmembers are lucky – some are rumored to still be paying a $1,000 annual fee. Why? Well, it’s a common practice in the credit card industry to lock in your original terms (future annual fee increases won’t apply to you). Now, I bet those early cardmembers are happy they got the card for “only” a thousand bucks, right?

The exclusivity

The Centurion has gone back and forth from being invite only to open application. Currently, it is back to being invite only, but I’m sure if you qualified and were willing to pay the fee, you could get them to give you one.

When the card first hit the scene, it was issued to a few thousand people (celebrities, business moguls, etc). Although the American Express black card requirements have grown tighter recently, that hasn’t stopped the cardmember base from ballooning.

According to to this creative detective work a couple years back about how many people have the Amex Black card, it’s now estimated that possibly up to 100,000 people worldwide have the card. It’s estimated that anywhere from 20 percent to 40 percent of those cardmembers are based in the United States.

Spending requirements

The American Express black card qualifications include spending $250,000 in a given year on another AmEx card. That means you must have an existing AmEx card for one year or more, and spend (and pay off) at least $250,000 over the course of a year. Once you do that, you meet the spending requirement. There has been talk of keeping the card exclusive by increasing that requirement to $500,000 or even a $1 million, plus requiring that amount to be spent every year.

The Benefits

You would think with such a drastic fee increase, that the benefits must have improved, right? Well, think again. Many feel the concierge has greatly deteriorated the past few years. In fact, I have read a number of forum posts by cardmembers who have canceled or downgraded to the American Express Platinum (with a $450 fee) because they said the Centurion was no longer worth anywhere close to the annual fee.

Personally, I feel there was only one benefit which really made it worth the price; they used to offer free first-class upgrades on domestic flights. So you could buy a coach ticket and automatically get bumped to first class for free if there was availability. However they got rid of that benefit years ago.

With the reported dwindling benefits, it makes one wonder why people bother with the black card at all. Other than the prestige and status that comes with it, there’s no point in paying more for less benefits.

The Platinum card

If you agree the American Express black card requirements are too much, you may want to look into the Platinum version.
AmEx Platinum Card welcome kit
It’s comes with a wide array of benefits, many of which are comparable to the AmEx Black. It gets you airport lounge access. And it also has some benefits that might save you money, including a $200 credit for airline fees and reimbursement for Global Entry and TSA PreCheck. In fact, a friend of mine who was a Centurion charter cardmember (and had it since ’99 when it launched) recently downgraded his account to Platinum because he found it had comparable benefits, yet costs thousands less per year. Check out my Platinum Card review and compare. But be aware that its annual fee is $450 and that is NOT waived the first year.

If you simply want a cool-looking card…

Consider the Marriott Rewards Premier card, which is both black and made out of metal:

If you frequently stay at Marriott Hotels, consider this card. In addition to giving you extra points back on Marriott stays, it has a great sign-up bonus right off the bat. You can apply here for the current offer of 50,000 points after spending $1,000 in the first three months.

The next best thing to black … is blue, as in the Chase Sapphire Preferred Card. This is made out of real metal, if that’s important to you.

photos of Sapphire Preferred made out of metal
Here’s mine. Now it looks even better because it comes with Chip & Signature technology.

Vanity aside, the Sapphire Preferred is is a great credit card offer because you can earn 40,000 bonus points after you spend $4,000 in the first 3 months from account opening. You can redeem that for $500 in travel rewards! Go here for the application to get this offer.

Obviously the Marriott Rewards Premier card and the Sapphire Preferred aren’t exclusive, like the Centurion is. But that doesn’t change the fact that they leave quite the impression when you use them. When someone hears one of these cards cling the counter and feel how heavy they are, don’t be surprised if you get asked questions. With an annual fee of $95 (and that’s waived the first year) on the Sapphire and $85 on the Marriott Rewards Premier, you can have a card that makes a statement, without spending a fortune.

This post was written or last updated Jan. 5, 2015

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

198 comments... read them below or add your own

  1. T.N. Kostakous March 20, 2015 at 3:24PM

    Just paint your green card black

  2. Joe Mama March 19, 2015 at 6:41PM

    We have an awful lot of internet millionaires on this topic.

  3. Matt February 15, 2015 at 3:55PM

    I have had the Amex Centurion card since 1995. It was 1k per year fee with a 500 fee for an additional member. You have to spend 250k per year. Now the fee is 2500 and 1500 for an additional member. On Delta airlines I get free tickets with free upgrades on a regular basis. It is worth the cost if you want the first class seats. You also get all the Hilton, Hyatt, and almost every other hotel including Holiday Inn gold or diamond status for upgrades. Car rental upgrades are there too. Yes, the concierge service is not as good for sure. If I had to join now with the 7500 “buy-in” deal, I would not do it. The card is made from titanium without the silver beveled edge now.

  4. Matt February 6, 2015 at 10:48AM

    What most of the naysayers fail to even understand or comprehend is that there are many people who travel for a living and the most precious commodity to them is their time, and more specifically the time they have to work. I have had the black card for years and like many have stated, the benefits used to be much better. The upgrades to first class alone was worth it. Especially if you consider somebody like me who flies every week. For me first class isn’t about status or even the little snacks, but the room to be able to have my laptop out and work while flying. The concierge service is also well worth it. I have had situations where no airline agent could get me on a flight to make a meeting that would cost me upwards of $10,000 in lost commissions. However, my personal concierge was able to get me there on time. Again, I don’t expect anybody who Doesn’t travel for a living, to understand the logic of paying so much for a charge (not credit) card, but for those that do what I do, you know exactly what I’m talking about.

  5. amusedignorance January 19, 2015 at 4:44AM

    oh boy! black card lmao… gain nothing. you penises will still be 3 inches hard after you spend 250000 to show off to the money hungry dirtbag slut that IS illiterate but will still take you for everything….why need credit to buy if you can afford to own it cash?!?! the one with the most money in this world is the one who cries he has the least money…. because while you cowards out there flash and boast about all the money you have and spend…. theres real men making all that money and taking it from you… gold platinum black……in the end when your dead … NOONE will still know who you are …..

    • Laughingatamusedignorance February 14, 2015 at 11:53AM

      Oh…so you can’t afford one ..

  6. Johnny Rockets October 25, 2014 at 4:36PM

    Can anyone explain to me if the Amex Black Card allows for cash advances? If so, it is through any bank or specific banks? Is there a cash limit per day? In total?

    Thank you!

    • Anon November 11, 2014 at 11:12PM

      If you need to take a cash advance of your Centurion card, you probably dont have the spending power to be invited to carry one.

      Like all Amex charge cards, you can take a “cash advance” but its really cashing a draft against your checking account

  7. Dane October 3, 2014 at 7:29PM

    I am going to buy a Gulfstream with my black card! THATS RIGHT!!!! I’m going to head right on over to the hobby shop and get the good one with the lights on it and stuff!!

  8. Ashanty August 27, 2014 at 11:55PM

    I want a black card. Or at least borrow it from one of you’s.

    Help me I’m poor =(

  9. DAN August 2, 2014 at 6:40AM

    I was one of the original charter members in the UK/Europe in 1998..out of the blue, I received this black corrugated cardboard box with a write up on the myth of the black card..and inside the box there were 2 cards, one for personal and the other for corporate use/expenditure..I was also provided with a black card for my wife, and invited to nominate 5 other persons to be issued platinum cards, linked to my Amex account..there was also a card reader which could show my expenditure..all very exciting, and great for impressing people who actually got impressed by this kind of thing , but I found that the concierge service wasn’t great, probably because it was early days in the implementation of this programme..also, at that time, the concierge service was limited to UK/ EU/US..fees were waived for the first truly was restricted in the early years, which was verified when I met the Amex head of an Asian country in 2000, and she had never seen a black card until we met! Once I had quit my clubbing etc, I really didn’t find much use for the card and didn’t renew it in the early 2000s…to be fair to Amex, they kept the renewal fees constant from the second year on

  10. JohnK July 11, 2014 at 11:49PM

    I just received a letter from AMEX advising me that the new membership annual fee is €4000! To justify this they advise some insignificant benefits. Has any existing member received the new fees?

  11. BBC July 10, 2014 at 4:16AM

    I have a BBC. Does that count?

    • Dane October 3, 2014 at 7:40PM

      That is so wrong! You’ll never earn reward points for that!

    • jimjam538 December 21, 2014 at 4:57PM

      Yes it does count

  12. Black&Bones June 29, 2014 at 1:04AM

    even if you have good credit, you won’t necessarily get the centurion card or any of the other super high profile cards.

    there’s a lot more that comes with high-society and really rich people. people with black cards are the movers and the shakers of the world, the people who invest millions and make millions.

    why would any bank or credit card company allow you a credit card with NO LIMITS? because you can handle the power that comes with that. normal people use credit cards to buy electronics and shoes, black card people use the centurion card to buy million dollar small to medium businesses.

    do you people get it now?

  13. Dave May 16, 2014 at 8:40PM

    Is it true the centurion is now all black without tbe silver fancy edges?

    • HH0527 July 4, 2014 at 9:23PM

      it has the AMEX design around the outside.

      Just got invited 4/14. Really fun to have and still has some great perks.

  14. Jerry May 15, 2014 at 11:28PM

    yall stop lieing , yall know that you(yall) have a SNAPS food stamp card!

    • Ryan May 28, 2014 at 7:08PM

      Only a ignorant person would say this.

  15. anonymous May 11, 2014 at 2:27AM

    Actually, I got my first black card in 2005 (still have the original one as a fridge magnet). It was plastic not metal. The metal ones came out shortly after with a beveled edge which later possibly due to thickness they changed. It was nothing short of amazing. I had gold status Virgin Atlantic, US Airways Platinum, avis presidents club with centurion discount along with hertz gold centurion discount. Hlton Gold, starwood gold etc.. I had my personal travel/concierge girl (Kim) who helped me when I missed a flight or needed something in particular, the gifts were nice ranging from $1000 credit at top jewelry stores to digital cameras (back before the iphone craze they were actually quite cool). The comments or looks from people when you brought it out were unmatched by any other card especially Barclay’s “Black Card” visa which I also have and no one has ever commented on that. How did I qualify? Down payments on Cars, $1000 lunches (food $100 wine $900) and buying Patek Philippe watches on a regular basis and lots of travel. Was it more than $250k a year? more or less credit score at the time was around 700 nothing special. pay off bill every month? Mostly but not always, assets? yes a few, income? $500k+ but my company at the time reimbursed most of my travel and entertainment expenses so the rest was just toys. when the magnetic strip wore out which was not infrequently but did happen, they sent me a replacement with a small box the but the old one in a pre paid and return. which I thought was interesting as with the previous cards they just told you to cut it up. I never returned the old cards and in fact still have a couple of early metal ones with the beveled edges now theyre flatter.

    • Jerry May 15, 2014 at 11:29PM

      that’s a SNAPS food stamp card hun

      • AM July 27, 2014 at 12:03AM

        you prob would know

    • Esco June 19, 2014 at 6:27PM

      Thanks for that, found this site curious about eligibility…not that I had a chance to get one. I feel content with my basic credit cards, $100k income, and a 3-series BMW. Now I wanna be able to tell your story as my own, damnit. =(

    • Aloha July 10, 2014 at 1:58PM

      Since u had it so long I always wanted to know if u have ever used the international biz/first class ticket purchase, and get a free companion ticket in the same class or service.
      I believe u have to book it through the Centurian concierge. I wonder if it is the price of the ticket is comparable to what u can book on your own.
      Example, when i book an international ticket and they show a full fare price of 15k but the fare Y ticket (not fully refundable, rules, sale, whatever the reason) is 10k. Does AMEX actually get u the better priced one or always the full fare ticket? Because that would be a great benny for sure if u scored the 2 for 1 at the loser rate.

  16. JV May 7, 2014 at 7:50PM

    I just got a Black Card and my annual fee is only $495 and I don’t spend anywhere near $250k per year. Maybe they are lowering their standards.

    • Happy girl May 10, 2014 at 3:48PM

      Then you received the visa. The centurion by amex is not and has never been $495. That foes sound like the fee for platinum too

    • Bman May 12, 2014 at 3:05AM

      You have a visa black card my friend

  17. Aaron May 7, 2014 at 12:02PM

    Does it escape anyone on this thread that the majority of these comments relate directly to ‘rich’ envy? You are worshiping credit. WTF is wrong with you people.

    • Oliver May 29, 2014 at 3:41AM


      Amex Black isn’t a credit card. The account must be paid back each month. It is a charge card for folks with undoubted credit ratings and in the past a very positive relationship with Amex through their high spending on a platinum card.

      • Nor June 21, 2014 at 4:44PM

        It would be very surprising to learn that Amex Black has to be paid over time each month. Practically everything I have spent on the Amex cards (provided it’s over $100 and is NOT related to buying a car or a medical expense) gets kicked over into the Pay Over Time category. I mean *always*. I never asked for it, they just do that. I always pay it off but it’s good to know you have the option. Why would they treat the Amex Black card differently? Surely you can pay over time if you want to. Say you buy a new piano that costs $75’000 and want to split the payments over three months – would you then have to put your Black Card away and bring out the Green Card so you can split it up? Crazy if that’s the case.

    • Nor June 21, 2014 at 4:29PM

      Good point, Aaron. They should issue a card of some type for folks who put 250 large per month in *the bank*! Oh, wait. They do – it’s the Amex Green Card. Those people realize it’s the money that’s important. Amex Centurion (the black card) is okay if you want a “toy” but you can buy anything with the Green Card that you can buy with the Black Card if you have the dough – Amex will happily let you spend as much of your own money as you wish. :-)

  18. Dave April 30, 2014 at 10:30AM

    Just wondering I heard that if you have a black card they can help you with hard to get items. Is this true?How do they have accesses to items that other people can’t get?

  19. randy April 29, 2014 at 5:15PM

    I have been using this AMEX balck card for 3 years. I use it to pay my partment lease. also, I changed my shopping store from Walmart to Costco, thanks AMEX to enlighten my life.

  20. Satish April 19, 2014 at 12:07PM

    i had an American Express Centurian Card from last 2 years,,this is one of the best card ever i had used,,thanks to Amex for providing such magic card to peoples!!!!!!

  21. thunder April 17, 2014 at 6:44AM

    Black cards are so yesterday I got my black Google wallet it’s much safer I just use NFC on my black nexus while hanging out with my black friends

    • Freddi August 2, 2014 at 10:00PM

      LMAO Right, right..

  22. Rayna Siwik April 14, 2014 at 9:03AM

    I had a car screamer for a while..still kinda do have a car screamer.

  23. rob April 7, 2014 at 3:52AM

    Ive had a AMEX Black since 1943. Its great value and im planning on giving them out for christmas presents this year.

    • ANON April 16, 2014 at 8:00AM

      The card did not come out that early. Lol, this is definitely a lie. YOU CANNOT GIVE THEM OUT! It’s now invitation only. So, try again.

    • Freddi August 2, 2014 at 10:01PM


  24. gibson hung March 27, 2014 at 5:58PM

    I have had the black since 2001. I returned it last night due to the service it provides. Gold from amex is good as any.

    • John March 30, 2014 at 9:36AM

      It’s not worth it any more with most of the airlines having fallen out of the programs and not many other advantages over platinum. I was also shocked to find out that for 2014 they are requiring a minimum of $2,000,000 which is ridiculous. I spent just short of $2M in 2013 and told that it was short of what they were requiring.

      • Jenny July 3, 2014 at 1:11PM

        Dear John,

        If you don’t mind me asking, what do you work as – in other words what’s your profession?


  25. Oliver March 20, 2014 at 12:52AM

    Centurion magazine has a distribution of 74,000. About one person in 100,000 people in the world has a black amex.

  26. Egbert March 2, 2014 at 1:19PM

    I’ve had a black card for about 8 years… 2500 each year. I too agree the comped meal posting is likely BS, like perhaps a few others. People do notice it, the weight is different and it is tough at gas stations – too fat and sticks a bit… and about 10% of the time people do make a semi-deal out of it. I find that interesting in itself, but hardly a reason to pay 2500. The concierge and travel depts at AMEX are better than Platinum (which i had prior for years). The benefits have dwindled, and losing US Air after that merger stunk because US Air took great care of Centurion cardholders. Delta is as noted in these postings, but they are beginning to be a rare exception. There is likely not a great divergence between Plat and Cent, but I’m hoping they change some things for the better rather than worse as in past few years. Jury is out… but all in all decent hold at 2500/yr for a bit longer. Likely much harder now to get than when I got it… so one more reason to hold on a bit longer.

    • Happy girl May 10, 2014 at 3:52PM

      Ditto. Benefits of centurion and platinum nearly the same. I will give it one last renew if bennies don’t improve I’m out

  27. Sally February 20, 2014 at 6:37PM

    Just cancelled our Amex Centurion Card after 7 years. No value to it anymore. And, the comment above is correct – concierge service is meaningless. In most cases, I know more about a city than they do. I’m only sorry it took me this long to see the light.

  28. Cougar Lover February 18, 2014 at 7:33PM

    I’ve just received the new AMEX Plutonium Card. Eat that you Black Card nitwits

    • chrasm8 April 8, 2014 at 11:40PM

      This comment just made my day. Love it.

    • Freddi August 2, 2014 at 10:04PM


  29. David Urias February 16, 2014 at 8:12PM

    Im not like you super rich…I have a lowly visa card with a lowly 7,500$ limit and that suits me just fine…I just want to comment that if you have a black card and are spending a gazillion dollars a year with it, what on earth are you doing on this site wasting your time with nonsense that impresses nobody worth knowing? Personlly I came here to see what all the myth about these cards is, and from what I read, I don’t think there is a real “black” card holder in the whole bunch of you.

    • michael October 5, 2014 at 11:03AM

      Well said

  30. Anonymous January 24, 2014 at 12:47PM

    Intriguing that it can better for those “S” model years. Possibly because “S” models incur less danger, and non-S years lead to a higher amount of working up the inventory price before release.

  31. Sherri Coughran January 4, 2014 at 6:36PM

    Stephen: I’m interested in your Letters in the Mail subscription. I’m a high school English teacher, and that i thought this may possibly be a great way to receive my students to write responding into the letters. Having said that, I’ve to be certain that the topics in the letters might be appropriate for my students 9, 10, and 11th graders. Will you please comment on what the topics will be in general? Thanks.

  32. Marc Lugash December 20, 2013 at 10:19AM

    Here lie some of the funniest posts I’ve ever read. Thanks for the laughs. Bye for now.

  33. jbro November 28, 2013 at 6:27AM

    I have had the AMEX Black (Centurion Card) since 1998 and while the benefits have changed over time, I can safely say that the card offers the best benefits in the market for those who can qualify and want to pay the annual fee. For example, when being a centurion member, you get automatic Platinum Sky Miles Status on Delta Airlines and similar status on a few other airlines including US Air. It will be interesting to see how they integrate that or not, with the new AA merger. The Plat Delta Sky miles gives you a far better chance to get upgraded in to first class and that alone, is well worth my annual fee. this is not to mention the Gold Starwood status, which provides some nice benefits as well for those who travel a lot and while they really should give Plat Starwood status, they don’t, but the benefits are pretty similar nonetheless. Additionally, with the Black Card you get access to the Sky Club lounges, another great benefit, but I believe you also get that with the Amex Plat card. I will say that giving the card at retailers also makes for some interesting conversations, but that aside, Amex really does lookout for their Centurion members with unequaled worldwide customer service if you ever need anything. The $5 Million of travel insurance included is also a great benefit, although something that you hope your family never has to try to collect on. I saw the Visa Black Card a few weeks ago, but truth be told, I cannot ever imagine using it when I have a Black Amex in my pocket since the benefits are better, such as if you lose what you bought or it breaks within a certain period, it is replaced for free up to a fairly liberal and reasonable limit. All in all, the $2500 fee, which was formerly $1000, seems to be well worth it.

    • Bullsh*t detector December 19, 2013 at 7:59AM

      I am amazed you somehow received your black Card before they even started the program. Hmmmmm do I smelllllll Bullsh*t?

      • Micheal Delgado January 31, 2014 at 7:41AM

        How about you stop writing idiotic remarks online and educate yourself a little bit. The AMEX Centurion Card was not released to the “public” until 1999, but it was currently in existence dating back to the early 80′s strictly for the rich and qualified. Learn about it peasant!

      • Happy girl May 10, 2014 at 3:55PM

        They had what was called black card prior to centurion…..if you don’t know this it’s because you didn’t have one. They were very limited.

    • Delta Diamond Traveler November 4, 2014 at 3:48PM

      I have found that just being Platinum on Delta doesn’t give you the upgrade options you used to get before Delta added the Diamond level. Even being at the Diamond level since it’s inception, we aren’t always upgraded.

  34. EJT November 20, 2013 at 6:44PM

    1. This entire thread has me ROTFLMAO
    2. Zach, you’re a wee bit too angry and taking this AMEX thread way too serious.

  35. Marlon November 13, 2013 at 11:42PM

    I’ve had an AMEX Platinum since 2004.
    J.P. Morgan gave me a Ritz Carlton VISA Black card about a year ago.

    AMEX Plat:
    The rewards are amazing because I can transfer points to multiple other programs like Holiday In Priority club , Virgin Atlantic etc etc.
    One can transfer ones points to hundreds of other programs and even better one can pay for something and then swop points to cover the cash value after the fact (usualy has to be done on 30 days)

    JP Morgan VISA Black:
    Absolutely NO comparison to what I can do with my points when comparing to AMEX Plat.I can basically only use them for free nights at any Ritz Carlton or Marriot group of hotels. There may be a lot more other features , but none that I generally would use or that AMEX Plat dont already have.

    I can relate to Jeff in regards to it being a bit uncomfortable at times when using VISA Black it in certain situations-(Jeff made referance to using his AMEX Black).The weight and unique look of a metal black card has most cashiers commenting or asking questions …when all I want to do is pay for my product and leave.This has made me decide to NOT want an AMEX Black and also NOW be very content with my AMEX Plat as the rewards program is very close to AMEX Black and those extra benifits that do come with AMEX Black , I dont think justify the huge higher fee based on the amounts of times I may ever use them.

  36. Rich Salvagni November 9, 2013 at 5:39AM

    When I think of the number of hungry children that aren’t being fed for the sake of egocentric wealthy persons feeling “prestiged”, it makes me question humanity. I am a a capitalist conservative but it’s frothy, senseless consumption like this that give liberals just cause for raising taxes.

    • Steve December 11, 2013 at 10:03AM

      When I think of all the lazy poor people who do not add to society, apply for multiple SS#, and produce children simply for the welfare benefits I also have doubts about humanity. Not all wealthy people are wealthy on the backs of the poor and not all poor people are poor because others are wealthy. Any financial transaction leads to the perpetuation of benefits to the people who need it. All transactions are taxed and therefore everything we do goes to benefits society as a whole. Maybe you should be asking how the trillions of dollars given to the government is spent not how the people who work and risk for their money spend it?

      • Uh ok trustafarian March 28, 2014 at 1:49AM

        Steve, you know hard working poor people work just as hard as rich people. Scrubbing toilets and being born in the wrong country is hardly anyone’s fault. Generational poverty is hard to escape and upward mobility is a myth. But whatever you have to tell yourself, to keep yourself from putting a pistol in your mouth or jumping from a ledge when the market crashes. Whatever soulless blame shifting narrative lie you have to tell yourself so that you can live with yourself in your bubble.

      • Happy girl May 10, 2014 at 3:59PM

        I love your response!

    • Marc Lugash December 20, 2013 at 9:45AM

      Look Rich, there are always going to be very wealthy people. Having money is not a crime and the vast majority of those people worked hard for their wealth. So what are you saying? There shouldn’t be any wealthy people. If you have money you shouldn’t enjoy it. I’ll bet the vast majority of wealthy people give a lot to charity as well. These same wealthy people are the ones who employ the rest of us for the most part. If you take their money from them you take our jobs away at the same time. We need to stop being envious of other’s wealth. If you want more go out and earn it. Don’t begrudge the guy who did when you for whatever reason didn’t.

      • Geeksquad January 17, 2014 at 7:16PM

        Lol ya i bet the billionaires most of which are criminals and didnt earn a penny through hard work and doing something good for society and are not job creators, really deserved to get half a trillion dollars richer last year. Smh those people make me sick and the groupie followers making excuses for them make me even sicker. And no most the billionaires stole the money from hard working honest people and dont give a dime to charity e.g. The waltons (walmart) worth over $100 billion gave a wooping $17,000 to charity 1 year while the employees of walmart gave several million dollars.

    • Mike December 22, 2013 at 3:53PM

      You don’t think the same people that are paying for the black card, arnt donating money to charity’s as well, also , look into how much money amex gives per year to feeding people world wide.

    • Chris January 24, 2014 at 9:26AM

      I agree completely. Snuffling at the trough of vanity laden rewards given lavish spending strikes me as being laughable if it weren’t so depressing. I truly wonder what happened to our sense of social conscience and humility. Then again, society has become disposable and the rich actually feel they are entitled to their riches because they somehow deserve them. Work hard, yes. Make lots of money, sure. But for God’s sake don’t feel entitled; it’s bad form.

    • Tony February 8, 2014 at 8:09AM

      Rich, thank you. I am glad to know someone else out there feels the same way I do.

  37. MJ August 30, 2013 at 1:51PM

    I think all people care about these days is nothing but image, image, image! Get a life people! There are more important things than “prestige” and Rolex watches!

    • Albert from the block September 24, 2013 at 9:31PM


      As a card holder I have worked diligently for all I have and I do enjoy my Rolex and Black Card. I do not have them for status but for myself. I value my dedication, commitments and contributions to society. I have the honors to be part of a phenomenal organization hat has spread great opportunities throughout society ( yes I started the foundation of my company, but the team had built the structure). I encourage you to not be part of the many who judge without considering the hard work, dedication to the many, sacrifices and responsibilities the few have endured.

      • Sky October 21, 2013 at 12:11PM

        Thank you for being reasonable. It makes me sick when I see or hear about the rest of us as the 1% and above being rude or flaunting wealth. It makes me equally sick to see or hear the rest of the world generalize all of us as evil. Work smarter not harder. Have a good work ethic and it’ll get you through the day. In the sense of work at least.

        I’m not exuberantly wealthy, and do not own one if these cards. I live within my means, and am currently helping several friends make great business investments so they too can find it easier to enjoy the finer things in life without having to worry about bills. I know you don’t need money to be happy, but it’s an enabler and opens doors. Combined with a good mind, you couldn’t ask for better.

        Take what ever you’ve been given and make increase. (For those who are religious take the parable of the three talents for example). Help yourself so you can help others! :) you reap what you sow! So enjoy the benefits!

      • MrNewYork October 28, 2013 at 10:22AM

        Sky, Albert from the block, MJ, et al,
        We did, we worked hard, always taking time for our family..our life long beautiful wife, our wonderful children, the labrador…now grand children…Sky: “For those who are religious…” This being the time of the World Series…Jesus metabolized a speed ball and delivered the Sermon on The Mount..In Matthew 6: 2-4…He speaks to good deeds…alms…40 years back it really hit me…the magnificence of His words, His teaching! No foundations, no tax-write-offs, no sounding of trumpets for that which we do…He said to shut-up. I know many who have standing orders to their tax attorneys; “factor my taxes backwards”, how much more do I need to donate to a registered charity..a 501(C)(3)…reduce my tax from 55% to 18%…20%… donate more..write-off more…look into the tax advantages of a foundation…call Bill and Melinda…have lunch with Warren…What I have found is that there are many good people doing great good deeds, saving the children of America for example…groups of people who refuse to register as a recognized, official non-profit. If you are religious…Jesus would have it their way, no tax advantages, zero write-offs, people would give as He taught; from the heart…”hush” here is a million…save more… Love, mr. anonymous. There are several groups that I have followed for decades who do not believe in registering…perhaps they do miss out on a bundle..”you mean I can’t write my donation off of my taxes?” Yes, sir that is called giving…no strings. One group is Focus Adolescent Services… .decades of working to save American children…now reaching over one hundred countries. I was taken aback when I read their 2008 demographic study. They wanted to know who was calling them the most for help. Not as I thought, not the so called “inner-city” poor, far from it. They found the majority from our upper middle class to upper class, in socio-economic terms defined by the US Census Bureau, and parents with at least one post graduate degree…well educated and monied. My thought, dad and mom too busy getting there…their there…with little to no attention to their children; values, morals, principles, ethics,…lost children, so in need of direction…There are a few more that I have found, call me…

    • Karl March 16, 2014 at 10:37PM

      What’s wrong with Rolex? If someone has the means why not? Bitter maybe?

  38. Dee W August 12, 2013 at 4:40PM

    The rich and beautiful kid who claims she or he spends a million a month on the father’s black card . . . . I don’t believe that for one minute.

  39. J July 26, 2013 at 7:03AM

    Im 25, never worked à day in my life until à few months ago when I was hired in the medical center making $10/hr. The ONLY bills I pay is student loans & gas which equal out to about $150/month. Absolutely everthing else is in savings. Amex gold will NOT stop sending me invites. I réad online you have to have SUPURB credit for the gold card. Im still inquiring on whether or not I should get the gold. Traveling is my dream. But Im super curious as to how these companies KNOW my financial status before I Just now put it out there ?

    À funny idéa I got while reading some of the comments was to get the gold card & à REPLICA black card. Maybe when I pull out my gold & they see the black I can get free cuisine too! (and write about how much I hated it!)

    • ojk March 8, 2014 at 3:22PM

      Get the gold premier rewards. The platinum is decent if you really are traveling a lot, but otherwise it doesn’t serve much purpose. Best points earning on the gold rewards, which you can use toward flights, of course.

  40. Matt July 17, 2013 at 5:47AM

    Wow this thread is hilarious. I first had a Centurion in 2003 in the UK downgraded to platinum when I moved to Australia in 2005 and upgraded to Centurion again 2013. They waived the $5k joining fee as I’ve been with them for 20+ years . The card is flash and people notice it, I only spend about $250k a year on it after they changed the points system ( I used to spend 800k pa with the ATO (tax)) is it worth it no but does it have a few cool features yes, insurance is excellent and upgrades are good. At the end of the day I was paying $900 for the plat so another $4100 is only really loose change ; I’ve you don’t thi k do its not for you

  41. rbb July 7, 2013 at 8:35PM

    Could all of you with black cards chip in and get Zach some anger management therapy. The spending limit on my platinum is not high enough. Rich people who have difficulty spelling cause him stress.

  42. shels June 23, 2013 at 9:03AM

    Hello, I’m doing research for a story so I was wondering if you guys can tell me because I don’t have a credit card nor wish to get one so I don’t get the credit rating system thing…sorry for being an old fashioned simpleton! I’m more of a ‘I either have the money or I don’t’ kind of person – but please tell me –

    Is the black American express the best of the best eg. Do the richest people in the world have these or is there something better?

  43. Iamrichandbeautiful June 20, 2013 at 3:02PM

    My dad has the black card and wow I spend like a million dollars a month and like that’s not enough for me!!!!!!!! everyone should have this card and like im only 16 and i have a bugatti!!!!!!!!!! i am just so rich and beautiful and obviously I need to brag on a public thread about da stacks and stacks on deck. I spend my weekends in the hamptons with my rich friends because rich people can only hang out with rich people. and we buy hundreds of thousands of dollars worth of alcohol. WITH MY BLACK CARD. i am very rich and trust me real rich people need to get online and share it with the world.

    • Fred July 20, 2013 at 6:57PM

      MR.16 year old who will kill all of his daddy’s money all because like many hand me downs, he has no self responsibility and honor in the value of a dollar. Wake up USA and get with entrepreneurship. It’s what makes us who we are

    • Jonz August 31, 2013 at 1:07AM

      I know you’re just trolling, but let’s entertain your comment for a second; specifically, your last sentence. Please post a picture of your own rich self posing IN YOUR BUGATTI with stacks of 100s; you don’t have ANY excuse not to do it because you’re supposedly filthy stinkin’ rich; c’mon, “real rich person”, you’re online, now share it with the world!
      IF you don’t do this, everyone will know that you’re not filthy rich, you’re just a filthy liar. Don’t give us any of this “I want my privacy” bullshit; you can’t come on a forum like this, make all those outrageous claims, and be too scared or make excuses as to why you’re not providing proof. You obviously want us to believe you and care, so make with the pictures already!

    • Liereally October 20, 2013 at 1:19PM

      Thought you said it was your dad’s black card??? Where would your “friends” be if Daddy went bankrupt?

    • Leopett December 7, 2013 at 1:00PM

      Bulshitt…if you were that rich, you’never say it loud. Get a high bozzo! L

  44. Lee June 10, 2013 at 2:46PM

    Thanks for the laugh…People with real money don’t need to go online to brag about it some of threads are rather hilarious though!!!

  45. cm June 10, 2013 at 8:30AM

    This whole chat log makes me really sad. I wish ‘CreditCardForum’ would remove it, and maybe Amex could donate the $10,000 Black Card fee to our spelling/grammar programs. :( Then you could all go volunteer and find something that really matters. The only people who are impressed with this ‘card’ are people who want something from the card holder. Period. Best of luck to you all.

  46. TeeCee 3 June 10, 2013 at 8:27AM

    You’re ignorance does not surprise me. People like you are what’s wrong with this country. I don’t know you but by that comment I can tell you’re racist.

    • Jonz August 31, 2013 at 1:08AM

      I don’t know you, but by YOUR comment I can tell that YOU’RE not very good at grammar/spelling/English. How can I tell? My sentence alone says it all …

  47. Maya Granville- Hyland June 8, 2013 at 2:33PM

    The exclusivity on that card is amazing, when people see a AMEX Black Card they automatically think of wealth… I should know because my father, mother, grandmother,& grandfather has had them since they 1st came out in 1999. Growing up in a privileged life we just saw it as a regular credit card because we did pay the AMEX bill. But know that I have a Black AMEX of my own its like your forced to spend money which is no problem for me to do. You can buy houses & cars with this card if you like. People who have this card know that the card has weight to it cause its not plastic like the other AMEX cards. The annual fee is pretty high but the benefits are truly fabulous.

  48. Peppercurls June 6, 2013 at 10:07PM

    Just watched an episode of Trophy Wives and popped over to do a little research cause the term ‘black card’ was thrown out there…and I have a few thoughts after reading these comments:

    1. I think it’s funny (weird, not haha) how grammar and spelling has become gold on the Internet, almost the only coin recognized in the realm besides wit. Where the two clash is, you KNOW that the people who are writing these pithy, letter-perfect, snobby responses to other people’s honest feedback are spending an exorbitant amount of time using spell-check like a dragon watching its horde. Not very witty in the grand scheme of things. (I know, like that metaphor?)

    2. Everything has its ups and downs, even a black card.

    3. YouTube is stingy with its trashy TLC full-episodes. :(

    • That Guy February 1, 2014 at 1:31PM


      Cheers . . . welcome relief from the droll expulsion of drivel shat by the jealous gluttons and snake oil salesmen in this thread . . . Obviously that shot only refers to those who just thought “who me?”

      Never fun to reinforce ones own despair at the (either) misinformed or ignorant post from the peanut gallery (as in someone with no personal or factual knowledge to impart or express their opinion on).

      The clever part was the presentation and the theme, timed and rhythmic. Im a big fan of puns and onomatopoeia and irony and analogy – and thus endorse your characterization.

      In any case, I never liked TLC. :)

  49. Dmd Joe June 6, 2013 at 10:18AM

    I spend a lot on credit cards every month and pay them off monthly. I read this thread and called AMEX. After being transferred 4 times, they indicated it is by invite only. You can not apply, you can’t be put on a waiting list, you can not request anything about the card. They have to contact you. I have 4 cards with them and easily exceed their requirements, but there is no way of reaching the department to request a black card. Kind of a joke considering the amount I spend monthly on credit cards, maybe it’s time to use a different company.

  50. Josh May 27, 2013 at 9:37PM

    I found out my Pops had a black card when he sent me up to best buy to buy a laptop for my mother. I was like “WTF how do you have a card like this?” Never grew up with a lot of money so it was a shock to see this card…It made sense since my Pops has a perfect credit rating and owns everything he has with zero debt. About 15 years ago he started buying up rental houses and grew from there. He likes the card because he sees a house and buys it on the spot without the hassle of the bank loan process. He pays off the balance in 6 months, flips the house and buys another one. Offered to buy my house for me and just pay him back the principle. I declined as I prefer to make my own way even though I get broke as a joke from time to time….After I bought that computer I used the card at a Mcdonalds drive through, I got a kick out of the girls facial expression. See you get the spending power and prestige of that card because you are responsible with your money. Month later I got a call from him asking if I went to Mcdonalds and used his card LOl I replied “yes, yes I did.”

    • shay June 5, 2013 at 8:30AM

      Can’t buy a house with a CC, dream up another scenario that’s more believable

      • JLJakel August 2, 2013 at 7:03PM

        actually, im sure its quite possible to buy a house on a “CREDIT” card, but buying a house with an AMEX Centurion card and paying it off in 6 Months is the part that makes it not at all plausible, Contrary to Popular belief the Centurion card is NOT a Credit Card it is a”Charge card” the difference is, a Credit card can be paid off over a length of time, a “Charge Card” MUST be paid off by the end of the month, or they cancel it, Good Luck Fooling someone else, Have a Pleasant Evening

      • AmexGal December 21, 2013 at 4:55AM

        Actually you can buy a house, a car, a boat or whatever you choose as long as the merchant will accept the card. And yes it is a charge card with balances due at the end of the stmt cycle within 15 days. BUT Amex has an option called EXPO (Extended Pay Over Time Option) for charge cards which gives you the ability to pay over time instead of all at once.. Hope this helps..

  51. Tomt May 24, 2013 at 7:07PM

    I do not have either, I make a good living. I could be wealthy, if I so desired. I do one thing I really enjoy, I pay cash for what I buy, I watch my kids grow and I work hard. I am probably in the top 10 percentile in the nation in my line of work. I am a proud American father who pays his way as he goes. I will tell you something else you would be amazed at the service I get with cash.

    • Lee June 10, 2013 at 2:41PM

      You have had the best response on here yet!!!! Cash works just as well as credit and is accepted everywhere!!!!

      • John October 21, 2013 at 9:01PM

        Try to rent a car

  52. Kirstina Nokomis May 16, 2013 at 9:52AM

    I have had a black card since I was 16 (dad’s account) and it makes no difference its still a credit card and still debt. I was born into a lifestyle I hate. I prefer to use either my debit card or one of my capital one, etc cards to this. When certain people see the card they will treat you differently. I was at a resturant last night and when I opened my wallet to retrieve my cash the waitress saw the AMEX black and excused herself real quick, and came back with the manager and told me the meal was on the house…this is very annoying! I work for a living and a pay my own way, I don’t need a “special” card to show off my spending or income level. So why does everyone want this card? Most people in America cannot afford a payment on a regular credit card, let alone a higher one like this!

    • Celia May 27, 2013 at 2:54AM

      It is always nice to see a humble individual. I agree, there is no need to show off what you have, I imagine how annoying it is.. I was born into a lifestyle where my mother is a factory worker and my father a truck driver… I’ve been on my own since I was 16, managed on my own and haven’t had much luck in the past, but I know things will turn around for me… and when it does, I too will still pay with my debit or cash, nothing wrong with keeping it simple. God bless and thanks for sharing.

    • Shameka May 30, 2013 at 1:07PM

      Lol :)

    • mark glenn June 12, 2013 at 3:06PM

      I highly doubt someone seeing that you have a black amex or other card would get them to comp your meal, try something a little bit more believable in your stories

      • Leonardis June 18, 2013 at 9:15PM

        Ive had one for years. Never ever received a comp anywhere because of the card and I spend 10k on it a month. I call BS on the comp story. I do get–wow, what is this or this is heavy or this is a nice card but not much more.

    • Jonz August 31, 2013 at 1:13AM

      just a suggestion; when something like that happens to you again, you should get them to comp the meal, but for someone else in the restaurant that you choose – like a single mother and her kid(s) type of deal, or whatever you decide

      • Marc Lugash December 20, 2013 at 9:57AM

        Great idea!

  53. Scott May 15, 2013 at 6:22PM

    I bought two $40000.00 vehicles on a Platinum Amex. It goes on your spend ability. Why pay the fees. Black Amex is not worth it

  54. michelle May 6, 2013 at 4:15PM

    Went out with mt ex on Friday night in BH and he threw down the black card to pay. Oddly enough I was impressed…the thing feels like metal.

    He’s rich so he could care less and wasn’t trying to impress me but I was.

    He still hasn’t figured out how he has benefited from having it but nevertheless he uses it. And he can always send it my way if he gets sick of it.

  55. AmEXemployee May 1, 2013 at 9:35AM

    Hello everyone, I have worked for Amex and let me tell you here how it goes:

    You need to spend 250,000 anually THAT DOES not mean your card has a max of 250,000 spending limit rather you have to have a platinum with 0 spending limit AND spend 250,000 a year which must be around 30%-40% of your card limit. Lets not confuse this folks. In other words 0 spending means you HAVE to call us in order to approve a major purchase a.k.a a car, why? Well we need to make sure it is you and THAN we look at your spending history WE CAN deny you even if you are a platinum card holder. Credit reports change all the time…

    Anyways, to get the “black” card YOU CAN REQUEST IT… you are transfered to another department and than they decide to transfer you to another department to let you know the benefits.

    YOU will not be transferred if you are not an American Express Card holder the exception would be if you are being recommended. YOU ALSO can not apply directly for the card. Meaning you start of with green, gold, or platinum…

    Credit Score: YOU must have an amazing debt to income ratio… in other words if you are making 6 figures you better not have any debt. It is possible to have a 640 credit score while having a black card that is the secret score o.O It may have gone up.

    • nsaknowsit August 15, 2013 at 9:21AM

      Out of the posts this sounds accurate as if the poster really did work for amex. It is the same process my wife went through when she called amex to ask about the black card. You dont need to be invited, but we did not proceed after reading online, we doubt it is worth it for us. We do not need concert tickets that are sold out or reservations at booked restaurants.

      We have the platinum, get nothing at hotels, get nothing anywhere we use it. We always book first class plane tickets and suites at hotels, so not really room for free upgrades and I am not going to chance just because I use the amex I would get an upgrade. I do recall about 5 years we booked a normal room and received an upgrade to a suite.

      Can say the amex platinum card website is always more expensive for flights and hotels, so we do not even check it now before we book something.

      Fact is amex should jump hoops for any card member who pays on time and give you perks for using their product as there are many options. Far as I can tell the platinum amex is nothing special. With the economy near collapse once the facade of QE crumbles to the true state we are in this will all not matter.

  56. The Truth April 20, 2013 at 11:10AM

    Lets face it, 99% of the posers on here talking about their Centurion cards are lying. American culture is all about status and material things and that’s what they think is something to strive for. They all like to talk big (i.e. rappers who constantly talk about the money they have, when in reality most are near broke or get lots of cash and spend it all because they have no education) but in reality it’s all talk. America is basically broke and it’s time people stopped spending money they don’t have. As one person mentioned above, the best way to control a large group is to keep them illiterate – that basically sums up most states

    • William May 13, 2013 at 12:44PM

      People like you make me laugh! The US is not broke they will remain the world Superpower. Stop talking out of your rear end and go he a real job. Then maybe one day you’ll get a Black Card.

  57. Spongo April 14, 2013 at 8:25AM

    My dad got me a black amex when i was 8 and i was BLOWN away when i found i could buy the International Space Station (my dad is so preposterously well-heeled he DIDNT EVEN NOTICE!!!!!!!!) WTF??!!??!! Me and Dooley go up every weekend in my dad’s space shuttle (we both fit into one of the NASA suits – i’m in one leg, Dooley is in the other – we take it in turns to breathe). Unfortunately, my use of the card was revoked when they realised i was a minor – they also cited my level of literacy being unnecessarily critical of my tendency to spell words in the UK form and formulated my utterances in the received pronunciation style even though i am still only 12!!!! ‘Ur too posh for one of our cards’ some tall guy said to me when he searched my bedroom. Far out. Anyway i stole my mom’s Palladium card to score my speed. JP Morgan are way cooler – they don’t ask awkward questions.

  58. Fmatt April 12, 2013 at 2:38PM

    Can anyone advise what points are earned with Amex black as compared to platinum and whether either have points limits? My wife and I have both had Qantas Amex cards for years and the fee is very low with free flight annually and perhaps other stuff we have no clue about. Best part is no points limit so we can pay all our business bills ( and tax bills) and earn enough points for free flights for us and the kids. That seems to be the only real benefit, for us at least. Don’t know what colour the card. It’s sort of mixed.

    In Australia it seems to be that many more retailers simply do not take Amex due to their higher retailer fees. Hopefully they will be able/ forced to reduce those in time (perhaps funded with the help of annual fee from black card holders) so I can use mine at more establishments and get more free flights.

    Some very funny comments in this thread. Nice that the colour of a piece of plastic can be so polarising.

  59. Twin 1 April 1, 2013 at 8:15PM

    My boss sent me to the bar at a strip club in Daytona Fl and I pulled out his AMEX Black card when the black lights hit it the bright AMEX words appeared and the bartender said we don’t take those not knowing what it was I asked to speak to manager and we had VIP service the rest of the night!

  60. Pravda March 19, 2013 at 4:24AM

    While this thread was incredibly hysterical, I think the thing that saddened me most was the obvious degradation of our educational system. Maybe the rich people should be more concerned with helping to revert this insidious destruction of our culture and future. The best way to control a group of people is to make them illiterate.

  61. erin March 6, 2013 at 8:35AM

    Those who have it, have no reason to brag about it. The card speaks for itself.

    • Richard October 19, 2014 at 8:26PM

      Erin , you are so correct in your statement …, Thank You

  62. SusieQ March 5, 2013 at 8:25AM

    My girlfriend (she is a true blonde) showed me her AMEX Black card that she was very thrilled to have after knowing what it meant. She said that they waived her start up fee and her annual fee because she told them she had other cards and didn’t need it , so they waived it and she pays NO annual fee.

  63. Lisa February 6, 2013 at 5:39PM

    Black Cards are great, been a member since 2005. My account was compromised. Stay on Centurion Member Services like flies on shit because they were very neglegent with how they handles my account.

  64. Rooftop Voter January 17, 2013 at 10:18AM

    Wow! Such snarky comments over an AMX card. A fun read though.

  65. James Bond December 15, 2012 at 6:49AM

    Lots of jealous people out there!

  66. Jeff December 1, 2012 at 7:22AM

    I received my Centurion in May, 2012. The travel and concierge benefits are greater than Platinum. When traveling the upgrades are steeper, the VIP access granted in concierge services are amazing, reflected in back stage passes, ticket access, reservations, and more. Further my Centurion travel adviser delivers a very personalized travel experience as well. The biggest issue is my reluctance to pull card out in certain situations because of the looks and assumptions people make.

    • Zach December 16, 2012 at 8:16PM

      Just what “looks and assumptions” do people make of you, Jeff? That you are a douche bag because you would attach a material importance to the card itself?

    • Natalie December 29, 2012 at 3:00AM

      Can anyone help me get one? Just don’t attack me with ruthless comments please:)
      May you be the kindest and the wisest…cheers!!!

    • larryamex January 15, 2013 at 7:39PM

      Jeff you are full of it. You do not have a black card nor could you ever qualify. It is exclusive and your little dick attempt at wowing people is sad. Get in your Hyundai and go jerk off to Cold Play Douche. Good luck you half a man

    • EdpaPr April 22, 2013 at 5:12AM

      I HAD both. The perks are THE SAME in general (95%). Opted to keep the platinum. But it was a blast to show the Centurion to snobs (pseudo rich a**holes)! ;)

  67. Ray November 21, 2012 at 11:52AM

    I’m a platinum card and spend about $80K a month on the card. I’d consider the BLACK CARD if there were some more concrete benefits than platinum.

    • Berri April 26, 2013 at 3:40PM

      80K….. May I ask, what are you buying.

  68. Denise Dollar November 13, 2012 at 3:54AM

    Um. Isn’t calling this card BLACK racist ? ; )

    • Richard October 19, 2014 at 8:24PM

      Calling the Black Card “black ” is only in reference to its color … You act like a black colored car is a racist car …. Very Silly . It takes intelligence and hard work to actually earn the right to obtain this card (on your own . ) Please tell me you do not have this card.

  69. cbass November 2, 2012 at 8:14AM

    What you folks are missing us the travel benefits of black. Amex will call all the hotel chains, airlines, and rental car companies and have you upgraded to top tier with the card.

    • Jeff December 1, 2012 at 7:25AM

      True. We traveled to New York with family recently. We requested adjoining rooms 3months in advance, on Central Park South. Centurion contacted hotel management directly, who subsequently personally emailed me and guaranteed we would get adjoining rooms. Great service. Truly.

    • EdpaPr April 22, 2013 at 5:14AM

      The same can be done with the Platinum.

  70. GFELA-Yankees October 13, 2012 at 6:58PM

    so the AMEX platinum has the same benefits as the Black Amex? The black amex is more just for higher spending and image?

  71. laura Resincertigh September 20, 2012 at 7:24AM

    I am a black card member since 99 and i love it because it is an status above every other card and every where you go they now it and they have specials going on just for you. if any body else do not have the money to have it SORRY.

    • mr1212 October 13, 2012 at 12:23PM

      How do you meet the requirements to receive an AMEX Black Card but you can’t spell for poop? Maybe the wealthiest people are the dumbest people.

      • mzkatq October 13, 2012 at 9:33PM

        my thoughts exactly!!!

      • SmrGrl13 May 31, 2013 at 7:36PM


    • Hard working military member October 16, 2012 at 8:20PM

      I researched this topic for amusement and the posts that some of you come up with make me ashamed to defend your freedom since some of you have the balls to brag about your unnecessary spending habits… Yes I am talking about you little girl with the Mercedes that daddy bought for you

    • Lila October 23, 2012 at 11:59AM

      @laura Resincertigh
      You are pathetic, we all have black card here (I do ) but being so ignorant and rude to talk like you is absolutely repelling

    • chris October 26, 2012 at 10:58AM

      pity you cant spell though.

    • Shawn Davis November 4, 2012 at 8:18PM

      You may be rich, but you write like a 6th grader. SORRY.

    • Dr.R. Lynn Osborne November 6, 2012 at 6:21AM

      My dear lady… If you are that “concerned” of one’s status, then please by all means make use of a minimum of a fourth to fifth grade basic English course and
      re-write this entire remark!!! EXAMPLE: Having been a card member starting in 1999, I have absolutely enjoyed all the wonderful “perks” and issues attached with the card… The level of customer service as well as non-published offers to membership base is just amazing! I would highly recommend at least giving the card a “trial-run” … Yes the card remains available to ” modest amount of client base” So having the privilege to carry it would be extremely satisfying both professionally and personally to have such abundant revenue when and if the time would come to be needed…. To future clients of the “Black Card” who are working on building the necessary portfolio to obtain the card, Best of Luck! You will truly enjoy all the benefits and special offers made exclusively for card carriers!!! ((ps)) If you actually have a Credit card, PLEASE find someone you trust dearly to handle your funds!!!

    • Zach December 16, 2012 at 8:20PM

      Well, aren’t you so special. It is nice of you to think about the other people who “do not have the money”. Maybe you and Jeff can get together and talk about all those “looks and assumptions” you will get. F@#$%’n douches… Love your spelling and grammar. I am assuming English isn’t your first language. Regardless, you are a certified douche. Maybe you can get a special card for that. The Black Amex Douche Card.

      • Ant April 2, 2013 at 7:29PM

        getting a little upset there budd!!!

      • Big B April 4, 2013 at 9:34AM

        I have come from rags to riches, I know what is like to be pay check to pay check now I’m worth millions and I hold a black card. I don’t care about impressing people by its looks FYI (that is what beginners do) I do it for the travel benefits.

    • joseph December 29, 2012 at 7:30AM

      I bet you are glad they don’t hand them out based on grammer and correct spelling….

    • david lowell January 9, 2013 at 5:46PM

      can you be any more cocky or any more of an asshole. no one cares how much ur husband makes anyways

    • Unstable Chimp January 11, 2013 at 6:45AM

      As far as I’m concerned, you can keep your black card, and your poor grammar. It’s amazing how intellectually challenged people land up with money….

    • William March 13, 2013 at 3:04PM

      You would think you could spell if you had a black card too.

    • J July 26, 2013 at 7:16AM

      Lol. I highly doubt Miss Laura is reading any of yalls negative comments. Probably off somewhere in some island she owns… & that what makes this thread the funniest.

  72. johnny September 8, 2012 at 1:04AM

    Way too many ‘mediocre’ cattle have the Amex black card for me to be interested in it ( I have been aware of several) …. sorry …..

  73. Aly August 2, 2012 at 4:43PM

    My husband and I just received the “invitation only” Amex black card invitation in the mail. The reason why we have money is because we don’t waste 250k on meaningless bs.

  74. Dude August 1, 2012 at 2:53PM

    Well, what difference does it make whether you have a Platinum or Black, Amex or a Visa.. Just tell me how many zeros have you got in your bank account as at the end of the day that’s the only thing that matters ;-)

  75. Normal June 1, 2012 at 6:13AM

    AMEX always costs the entity your buying from twice as much as visa or MasterCard, that’s why there’s only a fraction of amex card holders vs others.

    Do your vendor, restaurant, suppliers a favor and help him keep costs down, don’t pay with a AMEX.

  76. jabraham May 29, 2012 at 6:47PM

    Wow.. just received a fancy gift box with an amex black business card invitation. WEll… they now charge $7500 initial fee and $2500 a year bringing the initial payment to $10,000 to receive the card.

  77. stevied April 15, 2012 at 10:48AM

    I love the way frontier corrected someone else’s spelling, but doesn’t know the difference between “your” and “you’re.” Got a good laugh from that. I’m not perfect or rich, but I enjoy life without looking down my nose at other people.

    • Wendi November 14, 2012 at 5:44PM


  78. jeff January 30, 2012 at 10:36AM

    I have 2 AMEX cards a personal and corporate platinum. On my corporate card I used to charge almost $1 million per month (a lot of inventory and supplies), always pay on time, my company is very profitable. Because I was able to work out better terms with my suppliers (not to charge) my Amex bill is now $50,000-100,000 per month.

    I just called about getting an “invite” and was pretty much told not at this time. Funny story is, 2 years ago I had a break-in at one of my warehouses, they caught 2 guys, one of them tried to post bail with his own black card.

    • jamal March 10, 2012 at 10:49AM

      Can i work with u

    • Zach December 16, 2012 at 8:25PM

      That is a complete bullshit story. No one ever tried to post bail with their “black card”. That is as illogical as you paying $50,000-$100,000 a month yet not being eligible for a card… Delta Bravo

  79. guy January 19, 2012 at 10:27PM

    i have platinum American express card. i spent last year over 450k. i called them already 3 times. every time that i called them they told me wait it’s coming soon you should get it soon.

    first they told me you should get it on sep. this is the time when they start giving invitations. then i called them in nov they told me they are giving the invitations at end of the year. i called them again they told me you should get it soon.

    i have a great credit i spend a lot of money like they want and they are doing a joke!!!! someone know something about? or i should just close my account with American express?

    • a September 18, 2012 at 5:46PM

      Lol dude how can you have enough to spend 450k a year and still not know how to spell or write… I mean seriously.. I know how to write so I should be making millions right?

      • ojk March 8, 2014 at 3:23PM

        Since when is income based on the ability to spell? Come on, man.

  80. frontier December 29, 2011 at 8:57AM

    i just recently ( not resently drake paris) got my black card, and purchased a $12mil island fully equipped with the finest filet mignon get on my level samantha with many letters and dollar sign. This is all possible when your the king of spain making less than the american president. my 6 month old baby just bought a bugatti with her black card. They’re great and well worth it unless your poor.

    • ron December 9, 2012 at 8:16AM


    • Zach December 16, 2012 at 8:27PM

      Super Douche. At least hit spell check when making up your retarded stories. FYI, that post of yours is almost one year old and NOT ONE PERSON HAS LAUGHED AT IT, EVER!!! Do us all a favor and punch yourself where your balls should be.

    • larryamex January 15, 2013 at 7:52PM


  81. clyde December 6, 2011 at 7:57AM

    Samantha is on crack. 300,000/month spending habits??? Doubt it. She probably doesn’t have a dime to her name.

  82. John Ahlstrand October 28, 2011 at 1:26AM

    Next to a nice car or wristwatch, nothing gets a woman’s attention like an AMEX card!

    • RealWoman July 29, 2014 at 3:15PM

      No John,
      Those things get the attention of gold diggers, thirsty opportunists, and economic scavengers, not Women…. Real Women are attracted to the attributes of your mind, heart, and soul not what’s in your wallet.

      Uhmmm having enough smarts to have a prestigious credit card, but not enough to know your self-worth…interesting…think it’s time to invest in the internal and not the external..

  83. Yvette_ettevY October 4, 2011 at 11:13AM

    Hellooooo don’t you fools realize that Samantha is being a sarcastic troll?!

  84. Vagkicker August 29, 2011 at 11:22PM

    Samantha, you should be hanging from a meat hook bleeding out. The world has no need for your kind.

    • Normal June 1, 2012 at 6:08AM

      Thats a comment that needs to be reported and investigated.

      So you would have your mother sister hanging bleeding,……sick, prob a violent criminal record to boot

  85. FernieC. August 23, 2011 at 10:36AM

    To CreditCardGuru:

    I do remember when the card first came out and the spending was exorbitant. It was designed primarily for the convenience of an extravagent lifestyle without the hassle of dealing with cash or the banks (you could go to Vegas, or Morroco or London and not worry about the old “American Express Travelers Checks” that I’m sure very few are fortunate enough to remember!). It makes life simpler for people who travel abroad and lets say buy new furniture for their living room in Bangledesh and have it shipped to America…swipe the card and you’re done. Getting custom made shirts and suits in Hong Kong? Just swipe the card. That was what it was primarily designed for, and if that doesn’t necessarily fit your demographic, then chances are you don’t need one. because here in the states if you’re going shopping just 20 minutes away with daddy’s card, well then I’m sure the platinum would work fine for you. Although, I personally as a matter of money management as well as good parenting prefer to give my kids a no fee, no hassle debit card with all the money I feel is appropriate for them given the event or circumstance. The card itself was introduced with a specific target demographic in mind and not inteded for status. The arrogant Americans that we are, that is what we have made it. And we want to carry one just to carry one.

    By the way, Samantha, you’re not rich, your “Daddy” is and he kinda just dragged your ass along!

  86. sammmmmmamamamamaamanthaisRICH. $$ July 29, 2011 at 2:24AM

    Why complain about this card? I LOVE IT! I got my first Amex black card at 15, on to my dads account of course. I’m 17 now, and this card is BEAST! although my dad only let’s me spend 50,000 a week it still works wonders ! I bought my first car with it. Yes, CAR! Mercedes S55 ! Didn’t even know I could spend that much on it. But, you do have to have a good credit score. I’m not trying to brag, I’m just saying, this card may be over rated to some, only because it’s not like a regular credit card. You of course have to pay monthly, which isn’t a problem at all. Between my brother, me, mom & dad. I’m thinking my dad pays almost 300,000 a month for all four cards. And it’s something you have to keep up. You can’t just not pay. That would be ridiculous! That’s what money’s for. Like my mom&dad say, “why save money, it’s made to spend !” which both my brother & I live by. (: this card is fab ! And everyone should have one !

    • Colin December 3, 2011 at 7:52PM

      What does your dad do for his living ….or lifestyle….if no longer working???????

    • john August 14, 2012 at 5:21AM

      sam email me at mccrimmonjohn[at symbol]….can you sponsor my girls basketball & track teams…nobody wants to sponsor them because they’re females…

    • Doug October 8, 2012 at 3:14PM

      Sammantha, you could have your own reality TV show. Who would not LOVE it!

    • Zach December 16, 2012 at 8:39PM

      YOOOOOOOOOOOOOOOOOOOOOOUUUUUU’RE A DOUCHE!!!! You never got shit at 15, except maybe some crabs that your dad gave you for your birthday. No, not those kind you dirty-minded girl. That isn’t what I meant. I wasn’t talking about the crabs you buy at the store to cook for dinner. I was talking about the crabs that are on your private from bumping uglies with your step father. Now that your are 17, though, I am sure you traded up for a sweet case of herpes and some kick ass anal warts. With all that money you’re spending, though, maybe you could buy yourself a veterinary clinic to take your dirty puss for a visit. As for your credit, it is always good I am sure, as long as daddy is still spanking you. Just make sure you give your brother credit when your baby is born with two dicks handing out of its forehead. Have fun spending!! Do yourself a favor, though, buy a school and go to it.

      • Jonz August 31, 2013 at 1:42AM

        ” …buy a school and go to it.”

        You DO know that veterinarian treat animals, right? or were you making a play on words about her “dirty puss”? somehow I doubt that one …

        one more thing – if someone was actually *that* rich, like set-for-life kind of rich, then there is pretty much no reason to get any kind of education – what’s the point? and who cares if you sound like a total dumbass, you can just *buy* new friends! haha …

  87. Bart Mann July 28, 2011 at 9:04AM

    To CreditCardGuru:

    Lauren is absolutely correct–I got the same invitation from AMEX last week. The published fee is $495 per year, and it is DEFINITELY an AMEX Centurian black card, not a Visa. I almost passed out when I saw it . . . until I realized it’s not much of an honor anymore.

    • Anonymous Jones December 16, 2011 at 10:36AM

      You are an idiot and therefore not qualified to use any card, Visa, Amex or otherwise. If you cannot tell the difference between a Visa and an Amex invitation then you might be losing your eyesight too. Everyone has gotten the stupid Black Visa invites, they are worthless.

  88. CreditCardGuru July 23, 2011 at 4:27PM

    Re: Lauren’s comment – That one you are talking about is the Visa Black Card, which is a far cry form the AmEx Centurion.

  89. Lauren July 22, 2011 at 7:40AM

    Just to dispel any myths here, I just got an “invite” to get a black card, and the annual fee is $495, and I do not spend $250k a year on credit cards. If they are inviting me, they must have lowered their standards!!! I’ve been a member of AMEX for 25 years, and I always pay my bills on time. I don’t have a platinum card (never saw the need), and I do spend a lot on my blue cash card, but not $250k. Oh, and there is no initiation fee on the invite either. Just the annual fee of $495.

    • Stephan November 29, 2011 at 3:06PM

      Lauren, you received a VISA Black card invitation. There is no AMEX Black Card invite for $495. If you read about the Visa card, it matches exactly what you state. Also, I received the same invitation twice. At first I thought it was from Amex, but it wasn’t. Sorry.

    • ron December 9, 2012 at 8:23AM


  90. carl May 10, 2011 at 8:30AM

    it like saying why drive a porsche when a toyota will get you there as well!

  91. drake paris February 24, 2011 at 5:57PM

    Having both Platinum and Black cards I will agree Platinum is the way to go. I only resently earned the Black card. I Only got it to have it. I have used it a few times and I must say when you hand someone a metal credit card that is black from AM EX they do look at you a little diffrently specially in a high end department store. But of course Sir. is often the next thing that is said

    • ojk March 8, 2014 at 3:27PM

      this post is hilarious. Thanks for the laugh!

  92. steven ng. February 13, 2011 at 10:13PM

    I’m totaly agreed with Andrew Monda
    Visa Black card did send me a Black card and is so BLACK to see the benifit, Amex platinum ways better with airport lounges services and with new benifit for first 200usd credit back to your card if happen you have to check in your luggage

  93. andrew monda June 18, 2010 at 10:08PM

    Visa black card is a joke. There are no benefits to it at all that you would actually justify paying the fee for, and the free gift they send you annually is a cross point pen… “Oh… Good” You are better off getting a regular visa card with 1% rewards. I applied for VISA black and they sent me the card the next week, and I have decent credit. The card is a joke. I called them and told them that and they told me they would wave the fee for the first year, I told them it was still a joke and I canceled it. My Amex platinum card has better services, better rewards, and better online access, also, I can transfer my points directly to continental onepass miles or anything else, so the rewards are great!

  94. Fred Flinstone April 30, 2010 at 8:03AM

    Informative. Thanks. In my opinion AMEX black cards are just funny. Paying $5K and then $2500/yr for the “privilege” of spending $20K a month and giving AMEX your life spending history? No thanks AMEX, and as I probably don’t qualify for the more reasonable Visa Black, I’ll just spray-paint my debit cards black like they suggest in that Stones song.

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