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Amex Centurion Card
American Express

Amex Centurion Card

Annual fee
$5000
Rewards
Membership Rewards Points
Benefits
21 · $7,669/yr
Data verified Aug 18, 2026 · from the MaxWorth database · not endorsed by American Express · disclaimer

Earn Rates

CategoryRateTrue cash-back value
Everything else 1x 1.4%

True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.

Credits (4)

$300 Monthly Equinox Credit

$3,600/yr
Monthly

Up to $300 per month in statement credits toward an eligible Equinox membership, totaling up to $3,600 per calendar year. Provides access to Equinox's 105+ clubs across U.S., Canada, and U.K.

$1,000 Saks Fifth Avenue Credit

$1,000/yr
Quarterly

Up to $250 in statement credits per quarter at Saks Fifth Avenue stores and saks.com, totaling up to $1,000 per calendar year. Enrollment required.

$369 CLEAR Plus Credit

$369/yr
Annual

Up to $369 in annual statement credits for a CLEAR Plus membership for you and up to three family members. CLEAR uses biometric authentication to speed through security at 65+ airports and venues.

$15 Monthly Uber Credit

$200/yr
Monthly

$15 in Uber Cash each month plus an additional $20 in December, totaling $200 per calendar year. Add your Card to your Uber account to use on Uber rides and Uber Eats orders in the U.S. Includes VIP Uber status.

Status & Elite Perks (10)

Centurion Lounge & Global Lounge Collection

$600/yr
Annual

Complimentary access to American Express Centurion Lounges, Priority Pass lounges, and the Global Lounge Collection with 1,400+ lounges in 140 countries. Includes access for cardholder plus two guests with no restrictions.

Delta Platinum Medallion Status

$500/yr
Annual

Complimentary Delta SkyMiles Platinum Medallion Status. Includes unlimited complimentary upgrades (space available), 9 miles per dollar on Delta flights, priority boarding, and annual Choice Benefit selection.

Hilton Honors Diamond Status

$300/yr
Annual

Complimentary Hilton Honors Diamond Status. Includes space-available room upgrades, executive lounge access, daily food and beverage credit, 100% bonus on base points, and fifth night free on reward stays.

Fine Hotels + Resorts Access

$200/yr
Annual

Access to Amex Fine Hotels + Resorts program with room upgrades upon availability, daily breakfast for two, guaranteed late checkout at 4 PM, experience credits, and noon check-in when available.

24/7 Centurion Concierge

$200/yr
Annual

Dedicated 24/7 personal Centurion Concierge for travel, dining, entertainment, shopping, and lifestyle assistance. Can secure exclusive reservations, event access, and personalized experiences.

International Arrival Services

$100/yr
Annual

Personal meet-and-greet service at 30+ international airports for business/first-class international arrivals. Includes planeside assistance, customs/immigration support, baggage handling, and ground transportation coordination for cardholder plus up to eight companions.

Marriott Bonvoy Gold Elite Status

$100/yr
Annual

Complimentary Marriott Bonvoy Gold Elite Status. Includes room upgrades (space available), free Wi-Fi, 25% bonus on points earned for stays, and priority late checkout.

IHG One Rewards Platinum Elite Status

$100/yr
Annual

Complimentary IHG One Rewards Platinum Elite Status. Includes priority check-in, room upgrades (space available), 60% bonus on points earned for stays, and no blackout dates on reward stays.

Hertz President's Circle Status

$50/yr
Annual

Complimentary Hertz Gold Plus Rewards President's Circle status with guaranteed upgrades on all rentals, plus Sixt Advantage Circle Diamond status with guaranteed upgrades and VIP service.

PS (Private Suite) Membership

Annual

Complimentary annual membership to The Private Suite at LAX (normally $4,850). Per-use fees of $2,700-$3,550 still apply. Private TSA screening, customs, and planeside transportation.

Protections (7)

Cell Phone Protection

$100/yr
Annual

Cell phone protection against damage or theft. Up to $800 per claim with $50 deductible, maximum 2 claims per 12-month period. Must pay monthly wireless bill with your Card.

Purchase Protection

$50/yr
Annual

Covers eligible purchases against accidental damage or theft within 90 days of purchase. Up to $10,000 per occurrence and $50,000 per calendar year.

Trip Delay Protection

$50/yr
Annual

Reimburses up to $500 per trip for reasonable expenses when your covered trip is delayed more than 6 hours, including meals, lodging, and essential items.

Trip Cancellation/Interruption Insurance

$50/yr
Annual

Up to $10,000 per covered trip and $20,000 per eligible card account per 12-month period for pre-paid, non-refundable trip expenses when your trip is cancelled or interrupted by a covered reason.

Return Protection

$50/yr
Annual

Amex will refund the full purchase price of eligible items up to $300 per item if the merchant won't accept a return within 90 days of purchase.

Car Rental Loss & Damage Insurance

$50/yr
Annual

Secondary coverage for theft or damage to a rental vehicle when you decline the rental company's collision damage waiver and charge the entire rental to your Card.

Extended Warranty

Annual

Extends the U.S. manufacturer's warranty by one additional year on eligible warranties of five years or less, for eligible purchases made with your Card.

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