How can I qualify and apply for an American Express Centurion Card?

To qualify for an American Express Centurion Card, also known as the "Black Card," one must meet several stringent criteria, although American Express does not publicly disclose the exact requirements. Typically, it involves a high level of annual expenditure on existing American Express cards—rumored to be around $250,000 to $450,000 or more—along with an excellent credit score and a strong financial background. Eligibility is often by invitation only. If one meets these informal spending thresholds and has a favorable financial history, they might receive an invitation from American Express. To apply for the card after receiving an invitation, one would need to complete the application provided by American Express and pay the initiation fee as well as the hefty annual fee that accompanies the Centurion Card membership. It's important to maintain the high level of spending and excellent credit history to remain in good standing as a Centurion cardholder.