The American Express Centurion Card - better known as the Amex Black Card - is one of the most exclusive credit cards in the world. You can’t apply for it. You get it only by invitation - and only if you spend at least $350,000–$500,000 per year on your Amex cards.

The initiation fee is $10,000, and the annual fee is $5,000. Yes, it’s expensive - but the perks are even more extravagant.

Black Card holders get elite status with top airlines and hotels, unlimited airport lounge access, a dedicated 24/7 concierge, and access to The Private Suite at LAX, where you skip immigration and wait in VIP terminals. There’s no preset spending limit, and you also get $1,000 in Saks Fifth Avenue shopping credits annually, along with free CLEAR Plus membership for your family.

Amex doesn’t disclose the full rewards structure, because this card isn’t about points - it’s about power, access, and lifestyle.

This is not a credit card for everyone. It’s for those who have everything - and want a card that proves it.