What are the requirements to qualify for the American Express Centurion Card?

The American Express Centurion Card, informally known as the Black Card, is an exclusive charge card issued by invitation only to affluent and high net worth individuals. To qualify for an invitation to apply for this prestigious card, potential cardholders must meet certain criteria which primarily revolve around their financial stature. They must typically have a hefty expenditure on their other American Express cards—often spending upwards of $250,000 to $450,000 annually—to warrant consideration. In addition, they should possess an excellent credit history, significant assets, and a high level of income. There is also a substantial initiation fee alongside a yearly membership fee, both of which are considerably higher than those associated with most premium credit cards. It’s worth noting that specific terms and thresholds for qualification might vary and are not publicly disclosed by American Express, adding to the exclusivity and mystique of the Centurion Card.