Centurion Card from American Express
$5,000 annual fee · $1,689/yr in printed statement credits · 1x on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
Statement credits — $1,689/yr on paper · how we got this
| Credit | Value | How it pays |
|---|---|---|
| Resy Dining Credit | $1,000/year | quarterly · enrollment required |
| CLEAR Plus Credit | $369/year | annual · enrollment required |
| Uber Cash | $200/year | monthly · enrollment required |
| Uber One Credit | $120/year | annual |
Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.
Non-cash perks
- Invitation-only membership; no public application
- Complimentary Equinox Destination Access membership (including Equinox+), reported value up to $3,600/yr — a comped membership, not a statement credit
- Global Lounge Collection including Centurion Lounges (two complimentary guests), Delta Sky Club on eligible Delta itineraries, Priority Pass Select, Escape and Plaza Premium lounges
- Complimentary PS (formerly The Private Suite) membership at participating airports such as LAX and ATL; per-use suite fees still apply
- Delta SkyMiles Platinum Medallion status
- Hilton Honors Diamond status
- Marriott Bonvoy Gold Elite status
- IHG One Rewards Platinum Elite status
Does the fee earn out? · how we got this
The $5,000 fee minus $1,689 in printed credits leaves $3,311/yr to earn back through rewards — roughly $301,000 of spending at the base rate (valuing Amex Membership Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $5,000 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who won't work the statement credits. The $5,000 fee is argued for by $1,689 of printed credits, spread across 4 separate credits, 2 of them monthly or quarterly — an unused month is gone, not banked, and 3 that must be enrolled in before they pay. Each one only pays if you were going to spend that way anyway; ignore them and the whole $5,000 has to come back through earn rates instead.
Comparing cards in the same currency? See the best cards that earn Amex Membership Rewards →
More from American Express
- Delta SkyMiles® Blue American Express Card
- Delta SkyMiles® Gold American Express Card $150/yr
- Delta SkyMiles® Gold Business American Express Card $150/yr
- Delta SkyMiles® Platinum American Express Card $350/yr
- Delta SkyMiles® Platinum Business American Express Card $350/yr
- Delta SkyMiles® Reserve American Express Card $650/yr
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: cardstack.money · upgradedpoints.com · www.dansdeals.com. Spot an error? Tell us.