The Centurion® Card or The Platinum Card® from American Express: choose the best!
American Express has two great options for travel cards. The Centurion® Card from American Express is the top ultra-exclusive black card. On the other hand, one of the most reliable credit cards is The Platinum Card® from American Express. This article is a full review comparing both travel credit cards by Amex!
All information about The Centurion® Card from American Express has been collected independently by The Mad Capitalist.
The Centurion® Card or The Platinum Card® from American Express: learn the best option for you
At American Express you can choose between The Centurion® Card or The Platinum Card®. Whichever you choose, you’ll have an amazing travel credit card in your hands.
One of the best credit card brands in the market, American Express has a lot to offer. In the matter of travel credit cards, it has two excellent options for exigent customers.
The major difference between them is the costs. To be a Centurion member you’ll pay thousands of dollars in the initiation and annual fee. Also, you need an invitation to have one.
The American Express Platinum can be more accessible in comparison with the Centurion card. You will also have travel facilities and excellent benefits.
To choose between The Centurion® Card or The Platinum Card® from American Express, The Mad Capitalist brought you the major factors of both for comparison. Stay for reading it entirely, it’s good info.
|The Centurion® Card from American Express
|The Platinum Card® from American Express
|Membership Rewards® Points – variable to each client
|80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
|$5,000 + Initiation fee $10,000
|$695. Rates & Fees.
|1X Membership Rewards® Points for each dollar spent on eligible purchases
|5x points on flights you book directly through airlines or American Express Travel (up to $500,000 on these purchases per calendar year);
5x points on prepaid hotels (valid for those you book through AmexTravel.com);
1x point on any other eligible purchase.
|– Platinum and Diamond Elite Status at the best hotels
– Delta Skymiles Platinum Medallion status
– CLEAR and Equinox memberships
– and much more.
|– $200 in credit for airline incidental fees
– $300 credits at Equinox
– Gold Elite Status at the Marriot Bonvoy and Hilton
– Room upgrades and late check-out in thousand of places
– and much more.
|Prime Rate + 21.99% (variable)
|See Pay Over Time APR.
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American Express Centurion
This card screams “luxury” in all of its features. The grandfather of the “black cards” is a symbol of high status.
Only the ultrarich have access to the Centurion membership. It is not possible to apply for it without an invitation. However, you can ask to be considered for an invite at the American Express Centurion website.
American Express doesn’t expose exactly what are the requirements. We can set some parameters from users’ reports, but this leads to uncertain numbers.
Before asking for the invitation, check if you fit the requirements:
- Excellent credit score
- A responsible credit history with American Express. The Centurion can’t be your first credit card.
- At least $250,000 to $450,000 spent with your Amex credit cards for at least one year.
After fitting these requirements, you have to afford it. The annual fee is $5,000.
If the annual fee seems too much, you should see the initiation fee: $10,000. This is not a card for everyone, only a few can pay for it.
On the other hand, this card will give you a lot of exclusive benefits. These are some of them:
- 24/7 Concierge program to assist you with everything you need during your trips.
- Personal shoppers at Saks Fifth Avenue and other high-class stores and brands.
- First-class upgrades in flights and boarding preferences.
- Membership Reward Points program, easy to redeem and never expire.
- Platinum and Diamond Elite Status in the best hotels worldwide.
- Expensive annual fee
- No cashback program
- Heavy initiation fee
American Express Platinum
It has two options, the Personal and the Business card. Here we will cover the personal card features.
The benefits are similar to the ones offered by the Centurion. However, they won’t have the same status.
The Platinum can be your first Amex credit card if you fill the requirements. You can apply through the American Express website in just a few minutes.
With excellent reliability, it is unlike that it won’t be accepted in any part of the world. To apply for it you’ll need a credit score above 720 and to prove a steady source of income of at least $50,000 a year.
The benefits are directed to travel experiences and luxury purchases. See if you can take the best of these benefits:
- Membership Reward Points that go from 1x to 5x the amount spent.
- Access to airport lounges through the American Express Global Lounge Collection.
- Gold Elite Status in the best hotels
- 24/7 Concierge Program.
- American Express Preferred Seating: get the best seats at entertainment events.
- Thousand of dollars worth in other perks and discount offers.
- No preset spending limit and no foreign transaction fees.
- The annual fee is high – $695 per year.
- It will be harder for a less experienced credit card holder to convert the benefits without expending more than they would usually do.
The Centurion® Card or The Platinum Card® from American Express: choose the best.
The Centurion® Card and The Platinum Card® from American Express have similar features. However, the Centurion credit card is way beyond the ruler of credit cards.
The Platinum credit card is a viable option for more people. It has a great number of benefits and a more accessible annual fee. All of this with the Elite Status of a bon vivant.
The Centurion, however, is so exclusive that is hard to deny the invitation when you receive one. It is up to the invited Amex cardholder to weigh the cost and the benefits.
If none of these credit cards pleases you, we can recommend a third option. Check the review of the Discover it® Secured card!
About the author / Julia Bermudez
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