You can't apply for the Amex Black (Centurion) Card; it's invitation-only, requiring high spending (rumored $350k-$1M/yr) on other Amex cards (like Platinum) for 6-12+ months, excellent credit, and high income, with Amex evaluating spending on luxury goods and travel. While you can request consideration, eligibility relies on undisclosed criteria, focusing on significant, consistent, high-end spending and an established, positive Amex relationship, not just meeting a number.
While Amex doesn't officially publish the qualifications for the Amex Centurion Card, black cards often require you to have a strong existing relationship with the card issuer. This typically means high spending requirements of upwards of six figures or more each year.
What are the annual fees for the Amex Black Card? The Black Card reportedly costs $5,000 a year, with a $10,000 initiation fee.
The Centurion® Card from American Express is the rarest credit card in the world. Also known as the "Black Card," it requires an invitation to apply, and customers reportedly need to spend $350,000+ per year on other Amex credit cards and have at least $1 million in income to qualify.
The best credit card that is rumored to have a $100,000 credit limit is the Chase Sapphire Preferred® Card. While Chase does not publicly disclose the highest credit line available for the card, there are online reports of people getting around $100,000 in spending power, or even more.
Oprah Winfrey is believed to be among its members, as well as Jay Z. In 2013, Kim Kardashian posted on Instagram that she used the exclusive card to pay for a meal at Panda Express. The “black card” reportedly doesn't have a spending limit, but only the world's wealthiest are invited to join this elite club.
100,000 American Express Membership Rewards points are generally worth $1,000 to $2,000 or more, depending on redemption; you get about 1 cent per point ($1,000 total) using the travel portal or gift cards, but can achieve 2 cents per point or higher ($2,000+) by transferring to airline/hotel partners for premium flights, yielding significantly more value, according to Bankrate and WalletHub and The Points Guy.
No, there aren't any credit cards higher than the “Amex Black Card”. Officially called the Centurion® Card from American Express, the Amex Black Card is far and away the most exclusive, prestigious credit card on the market.
Generally, a card issuer invites only their most loyal customers who spend upwards of six figures or more a year to become a black cardholder.
The credit limit you can expect for a $70,000 salary across all your credit cards could be as much as $14000 to $21000, or even higher in some cases, according to our research. The exact amount depends heavily on multiple factors, like your credit score and how many credit lines you have open.
Yes, American Express offers several metal cards. The American Express metal cards are the American Express Platinum Card®, American Express® Gold Card and The Business Platinum Card® from American Express, among others.
The Bank of America® Travel Rewards Secured Credit Card is the best credit card with a $5,000 limit for bad credit. You can get a $5,000 credit limit by placing a refundable security deposit of $5,000, and you will earn 1.5 point per $1 spent without even having to pay an annual fee.
The American Express Centurion Card, colloquially known as the Black Card, is an exclusive invitation-only charge card issued by American Express. It is reserved for the company's wealthiest clients who meet certain net worth, credit quality, and spending requirements on its gateway card, the Platinum Card.
Several recent entertainment-news articles report that in a “What's in the Bag” segment for Vogue Japan, fans spotted Jimin holding a sleek black card in his wallet. The card is reportedly Hyundai Card “The Black Card 3”.
The American Express Black Card income requirement is reportedly at least $1 million per year. It's rumored that you must also spend and pay off at least $350,000 across your American Express credit cards annually just to get an invitation to apply.
The following cards charge no yearly fees yet deliver excellent rewards and benefits.
Centurion® Card from American Express
Why it's one of the hardest cards to get: The hardest card to get is the American Express Centurion Card, known simply as the “Black Card.” You need an invitation to get Amex Centurion, and only the super rich and famous can expect to get the call.
The American Express Platinum Card® is for fairly rich people. A high income will help you afford this premium travel card's $895 annual fee.
The Amex 2/90 rule is a guideline limiting most people to approval for no more than two new American Express credit cards within a 90-day period, even if they meet other rules like waiting five days between applications (the 1-in-5 rule). This rule specifically applies to credit cards, not necessarily charge cards, and is a key factor in managing how many new Amex cards you can open and get welcome bonuses for.
While 200K Amex points will typically only give you about $2,000 in value when you shop for flights in the Amex travel portal, you can sometimes find Business or First Class flights — that can normally cost over $10,000 — for only 200K points, when transferred to a frequent flyer program.
Yes, the Kardashian children inherited money and property from their father, Robert Kardashian, though his will's details caused family conflict, especially as he'd recently married his third wife, Ellen, who received significant assets, leading to lawsuits and disputes over things like his diaries and property, though the kids had trust funds and other wealth from their successful businesses and reality TV careers.
Billionaires are most likely to use the Centurion® Card from American Express, also known as the Amex Black Card, which has unique benefits and is reserved for high-net-worth individuals. Some of the rich and famous people rumored to have the card include Jerry Seinfeld and Halle Berry.
No, Kim Kardashian did not pass the full California Bar Exam on her first attempt in July 2025, and she publicly shared her failure, stating she wasn't a lawyer yet but was motivated to keep studying, having previously passed the "Baby Bar" (First-Year Law Students' Exam) after multiple tries. She has documented her journey and commitment to passing the full bar, seeing the setback as fuel for future attempts.
Jeff Bezos has publicly acknowledged that he has had his credit card declined. In an interview, when asked about having a credit card denied, Bezos chuckled and said yes, it had happened to him.