아메리칸 익스프레스 센츄리온 - amelikan igseupeuleseu senchyulion

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American Express Cards

170년 역사의 프리미엄 신용카드 아메리칸 익스프레스는 고객의 삶을 풍요롭게 하고, 보다 특별한 브랜드 경험을 제공하기 위한 노력을 지속해왔습니다. 한국에서 만날 수 있는  아메리칸 익스프레스 카드 만의 디자인,  센츄리온 디자인 카드를 소개합니다.

American Express Korea는 롯데카드, 삼성카드, 현대카드와 파트너쉽을 맺고 American Express Heritage 상품인 센츄리온 디자인 신용 카드를 발급하고 있습니다.

개인 카드, 법인 카드 각각의 발급사 로고를 클릭하시어 American Express로 발급 가능한 센츄리온 디자인 상품들을 확인해 보세요.

센츄리온 디자인 카드 외에 다른 아멕스 블루 박스 로고의 개인 카드도 궁금하신가요? 개인 카드 페이지에서 선호하는 카드 발급사를 선택하세요.

특별한 혜택

전세계 다양한 가맹점들과 함께
즐거워하실만한 혜택들로 준비하고 있습니다.

신뢰할수 있는 서비스

American Express는 서비스와 시작과 끝을 
늘 고객과 함께 합니다.  

전세계 어디서나전세계 오프라인과 온라인 어디서나
American Express 카드로 환영받아보세요.

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2. 전체카드 보기
3. 삼성카드

삼성카드

아메리칸 익스프레스 코리아에서 삼성카드를 더 알아보세요.

American Express Platinum 

변함 없는 가치, 메탈을 만나다

주요혜택 :

• 기프트 : Platinum Hotel Exclusive, Platinum Lifestyle, Special Plate
• 적립 : 국내/외 1%, 해외/항공 2%, 골프/주유/호텔 4%
• 아멕스 서비스 : 호텔/공항 발렛파킹, THE PLATINUM 등급 서비스

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American Express® Gold 

해외에서 품격있게, 일상을 특별하게. 

주요혜택 :

• 기프트 : 4대 업종 할인, 골프이용권, 호텔숙박권 중 (택1)
• 적립 : 국내 1%, 해외/면세점 2%
• 아멕스 서비스 : Be My Guest, PLATINUM ELITE 등급 서비스 등
  

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연회비 안내

• 본인 : 300,000원
• 가족 : 90,000원

American Express® Green

해외는 실속있게, 일상은 실용적으로

주요혜택 :

• 기프트 : 항공·면세·백화점 2만원 할인
  
• 적립 : 해외·면세점 2%
  
• 아멕스 서비스 : Be My Guest, PLATINUM 등급 서비스   

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American Express® Reserve

성공의 시작, 메탈을 만나다

주요 혜택 

• 특수 소재 플레이트 제공
• 온라인쇼핑, 해외 5% 적립
• Food, Coffee, Movie 30% 할인
  

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American Express® Blue

다양한 일상을 나만의 스타일로

주요 혜택 

• CU,배달의 민족 7% 적립
• 스타벅스,이디야 20% 할인
• 넷플릭스,멜론 20% 할인
  

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특별한 혜택

전세계 다양한 가맹점들과 함께
즐거워하실만한 혜택들로 준비하고 있습니다.

신뢰할수 있는 서비스

American Express는 서비스와 시작과 끝을 
늘 고객과 함께 합니다.  

전세계 어디서나전세계 오프라인과 온라인 어디서나
American Express 카드로 환영받아보세요.

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

If you are reading a review of the Centurion® Card from American Express*, it’s probably not for you. First of all, you can’t apply for the card: you need to secure an invitation. The unique characteristics of the Centurion Card, both in costs and rewards, do not invite comparison. However, if you’re in the select group that can get this card, the cost/benefit analysis might just work in your favor.

Centurion® Card from American Express

Regular APR

18.99% variable for eligible Pay Over Time purchases

Pros

• Exclusivity
• Membership Rewards points are versatile and easy to redeem
• Personalized customer service
• Potential for outsized value when redeeming for airfare or transferring to partners
• Perks that could help negate the fees

Cons

• Invite only
• Hefty initiation fee
• Additional annual fee required for authorized user cards
• No bonus categories

Highlights

• Complimentary elevation to elite status levels at several of the world’s most important hospitality brands, including IHG Platinum Elite, Hilton Honors Diamond, Marriott Bonvoy Gold, and Relais & Châteaux 5C.
• Earn 1.5X Membership Rewards points per dollar on purchases over $5,000 (Up to 1 million additional points per calendar year)
• Earn 1X Membership Rewards points on all eligible purchases
• Exclusive retail benefits, including the Centurion Shopping Program, Saks Fifth Avenue credits, InCircle rewards, and the MR PORTER and NET-A-PORTER Shopping Service
• Complimentary Delta SkyMiles Platinum Medallion status, which includes priority waitlisting, enhanced mileage earnings, priority check-in and boarding, courtesy upgrades, and more
• Enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world, including the exclusive Centurion Lounges
• Invitation to the exclusive Hertz Platinum status and Avis President’s Club

Introduction

The Washington Post used to have a slogan that’s apropos for the Centurion Card: If you don’t get it, you don’t get it. The Centurion Card has a lot of downsides: a large initiation fee, annual fees that rival a luxury car lease and a distinct lack of category spending bonuses.

That said, for the biggest of big spenders, the Centurion Card can be worth every one of the million pennies that cover just the initiation fee. The upsides, which include bend-over-backwards customer service, elite travel statuses, memberships and credits to luxury outlets and lucrative points redemption options can easily offset the costs. However, the credits and perks only have value if they are of use to you.

Exclusivity is the main draw of the Centurion Card, and it’s expressed in many ways. Access to a 24/7 concierge service is a big draw if you are interested in delegating your travel planning, reservation getting and gift giving tasks. Events including celebrities of the entertainment, culinary and sports arenas are offered solely to cardholders.

The criteria used to determine if you’re worthy to even apply are nebulous, but it’s safe to say if you’re not on a first name basis with your American Express rep, the Centurion Card is probably not in your wheelhouse. Minimum spending estimates vary from $250,000 per year up into the millions. That said, you can request consideration online if you want to give it a shot.

Something to keep in mind: the Centurion offers a personal card and a business card. If you are given a choice, the business card offers more valuable benefits, most notably the airfare rebate.

Compare American Express Centurion Black Card With Other Cards

At a Glance

• Invitation only, but you can request consideration
• $10,000 initiation fee
• $5,000 annual fee, which also must be paid for each Authorized User
• Earn 1 Membership Rewards point per dollar spent on all purchases under $5,000 each
• Earn 1.5 Membership Rewards points per dollar spent on purchases over $5,000, up to 1 million extra points per year
• 50% bonus on Membership Rewards redemptions for paid airfare (Business version only)

Amex Black Card Rewards

Earning Rewards

The Centurion® Card from American Express* offers 1.5 points per dollar on purchases over $5,000 (up to 1 million additional points per calendar year) and 1 point per dollar on all other eligible purchases.

Redeeming Rewards

The most interesting perk of the business version of the Centurion Card is a generous 50% rebate on airfares purchased with Membership Rewards points. This gives an effective two cent per dollar return rate, which is more than any other American Express card offers on unlimited spending in every category. Points earned on transactions over $5,000 are worth an effective 3% back when redeemed in this manner. This bonus does not exist on the personal version of the card.

American Express Membership Rewards points are valuable because they are flexible. They can be transferred to any one of 17 airline or 3 hotel partners, most at a 1:1 ratio. In addition, American Express offers frequent transfer bonuses, allowing you to get even more value from your points. Among the most commonly used airline transfer partners are Delta (for SkyTeam airlines), British Airways and Iberia Avios (Oneworld) and Air Canada Aeroplan (Star Alliance).

You can also redeem your points for a wide variety of gift cards in travel, retail and restaurant categories. Rates vary depending on the vendor and fluctuate between 0.5 cents and one cent per Membership Reward point. You may also pay with points at a number of vendors (most notably Amazon) at 0.8 cents per Membership Reward point. As you can see, you’ll be better off using Membership Rewards for travel than redeeming points for gift cards.

Rewards Potential

Because the American Express Centurion Card’s profile is not geared toward point earning and because spending varies so widely, it makes more sense to discuss the value of the additional benefits. The personal Centurion Card offers:

• Equinox All Access Gym Membership: $3,480 per year, provided you live or travel near one of Equinox’s 300 locations and value a gym membership.
• Saks Fifth Avenue Credit: $1,000 per year, awarded as $250 per quarter.
• CLEAR® membership for the cardholder and family: $189

The card also comes with travel benefits that become more valuable the more they are used:

• Delta Platinum Medallion Status: Benefits include upgrades cleared up to five days before departure, waived redeposit and change fees for awards, baggage allowance and enhanced earnings on miles flown.
• Hertz Platinum Status: Invite-only status includes VIP drop-off and pickup service and upgrades to the best standard (and occasionally luxury) cars available at the time.
• Hilton Diamond Status: The highest level of Hilton status, it earns suite upgrades, late checkout, breakfast benefits and enhanced earnings on paid stays. The card also offers mid-tier status with Marriott and IHG.

Other Card Benefits

• Unique Card Designs: Stand out even more from the crowd with unique card designs including a wearable card designed by Prada.
• VIP Airport Arrival Services at 32 Major Airports: Save time by letting Amex handle your arrival details.
• Various Hotel Statuses: Marriott Bonvoy Gold and IHG Platinum benefits include increased earnings on stays, late checkout and more.
• Airport Lounge Access: With the expansion of the Centurion Lounge network (and the well-documented overcrowding issues), skipping the line could save hours and make layovers more productive. Centurion cardholders also have access to a dedicated space in the lounge.

American Express Concierge

The concierge benefit offered with the Centurion® Card from American Express* deserves special mention. Many cards offer concierge service, but the level of service provided to Centurion cardholders is a step above the rest. From spending hours tracking down a sold out Christmas present to managing an evacuation in the midst of a volcanic eruption the concierge staff at this level will provide you with the best of the best. If it’s legal, chances are you can ask a Centurion concierge to get or do it for you.

Related: Best Credit Cards Of 2022

Fine Print

Interest Rates

• Regular APR: 18.99% variable for eligible Pay Over Time purchases
• Purchase Intro APR: N/A
• Balance Transfer Intro APR: N/A

Fees

• Annual Fee: $5,000
• Balance Transfer Fee: -
• Foreign Purchase Transaction Fee: None

How The Card Stacks Up

It’s not feasible to do an apples-to-apples comparison of the Centurion Card to other cards, as it caters to such a small segment of the market and offers unique benefits. That said, the American Express Business Platinum and The Platinum Card from American Express offer a slice of what the Centurion does for a fraction of the annual fee.

Centurion® Card from American Express* vs. The Business Platinum Card® from American Express

The Business Platinum Card® from American Express costs $695 per year (Terms apply. See rates and fees), which seems like a bargain only when compared to the Centurion’s $5,000. Some benefits, such as airport lounge access (albeit without a dedicated section in the Centurion Clubs) and hotel and car rental statuses, are the same with both cards. However, the Centurion offers Hilton Diamond, Delta Executive Platinum and Hertz Platinum, which the Platinum does not.

While the Centurion may offer much in the way of statuses, the American Express Platinum grants a significantly higher 5 Membership Rewards® points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year and 1 point per dollar on other eligible purchases. That said, the Centurion will likely allow for much larger monthly spending than the Platinum will.

When it comes time to redeem, the transfer partners for the two cards are identical. The Centurion Business Card does offer a higher pay-with-points rebate at 50% versus the Platinum Business Card’s 35% (up to 1 million points per calendar year). Another point in the Centurion Card’s favor: the rebate applies to any flight on any airline, not just business and first class, and not just for a designated airline.

Centurion® Card from American Express* vs. The Platinum Card® from American Express

If the Amex Business Platinum is not an option for you, some of the Amex Black Card benefits are also available on the Amex Platinum for a much lower fee of $695. (Terms apply. See rates and fees.) Like the Business Platinum the card earns 5 Membership Rewards points per dollar for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year, 5 points per dollar on prepaid hotels booked with American Express Travel and 1 point per dollar on other eligible purchases. Unlike the Business Platinum card, it lacks the airfare points rebate, which could add up for those who use it strategically.

Instead, the Amex Platinum piles on the consumer benefits, although at a junior level from its Centurion cousin. The card offers up to $100 annually to Saks Fifth Avenue (vs. $1,000) and a $25/month rebate on Equinox Gym memberships (vs. a full membership with the Centurion card). (Enrollment is required.)

Read More: Amex Black vs. Platinum

Is The Card For You?

If you have to ask, the answer is probably no. The Centurion Card is for an extremely narrow slice of the market, and will provide value to a narrower slice still. But if you’re an extremely high spender who values exclusive access and top-tier customer service, the Centurion Card just might belong in your wallet.

To view rates and fees for The Platinum Card® from American Express please visit this page.

To view rates and fees for The Business Platinum Card® from American Express please visit this page.

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