Centurion Card

The American Express Centurion Card, colloquially known as the Black Card, is a charge card issued by American Express.^[1][2] 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.^[3][4] The firm does not disclose the exact requirements to receive an invitation to carry the card. The Centurion Card is minted out of anodized titanium, laser-engraved, and accented with stainless steel. The card reports to credit bureaus and does not maintain a pre-set credit limit. It is considered a status symbol among the affluent,^[5][6] but otherwise has an uncompetitive rewards system when compared to other credit cards.^[7]

In 1988, an article in The Wall Street Journal newspaper reported that an exclusive black American Express membership card that was never advertised had been discontinued a year earlier. The article claimed that during a trial run that lasted almost four years, the card "was held by an ultra-select group of consumers who numbered fewer than 1,000 around the world."^{[citation needed]} Lee Middleton, a spokesman for American Express, confirmed the card's existence to the Journal and said that it was given to clients who had a "substantial banking relationship" with American Express Bank Ltd., the New York parent of American Express's bank subsidiaries in Switzerland. Services included "dispatching limousines or helicopters for clients, booking their vacations and finding medical care in exotic places." Middleton said American Express abandoned the black card in 1987 because the newly introduced Platinum Card offered "95% of the black card's services." In 1999, American Express introduced the Centurion Card, a black charge card aimed at the company's wealthiest cardholders. Jerry Seinfeld claimed to be the first person to receive a Centurion Card, after contacting the company's president about the rumored existence of the black card. ^[2]

Doug Smith, the director of American Express in Europe, told the fact-checking website Snopes.com that there "had been rumors going around that we had this ultra-exclusive black card for elite customers. It wasn't true, but we decided to capitalize on the idea anyway. So far we've had a customer buy a Bentley and another charter a jet." The website lists unverified descriptions of cardholder requests, such as dispatching a motorcycle rider to the shores of the Dead Sea to retrieve a handful of sand and couriering it back to London for a child's school project.^[8] In 2009, Luxury Card successfully registered "Black Card" as a U.S. trademark. American Express later sued as the name was similar to its Centurion Card, which it contended was widely known as the "Black Card."^[9] The U.S. District Court for the Southern District of New York ruled that Black Card, LLC's trademark of the name "Black Card" should be canceled on grounds that it was merely descriptive.^[10] As of 2019, it uses the registered trademark under license.^[11]

Since its introduction, the Centurion card has only been issued to clients invited by American Express to apply for it. The selection criteria the company uses to identify potential cardholders has been subject to speculation. Select media reports speculate an annual spending requirement of $500,000 to $1,000,000 on the Platinum Card to be considered for eligibility.^[12][3] In most countries where the card is issued, it is made of anodized titanium^[3] with the information and numbers laser etched into the metal. In some locations, such as Israel, EMV "chip" plastic cards, which also include the ExpressPay contactless payment technology, are issued. The Centurion Card comes in personal and business variants and with a Prada wearable^[13][14]

The largest known purchase made with the Centurion card is the Nu couché painting by Amedeo Modigliani, which businessman Liu Yiqian bought for US$170,405,000 at a Christie's auction in New York in 2015.^[15][16][17]

The card, available for personal and business use, offers services such as a dedicated concierge and travel agent; complimentary companion airline tickets on international flights on selected airlines with the purchase of a full-fare ticket; personal shoppers at retailers such as Gucci, Escada, and Saks Fifth Avenue; access to airport clubs; first-class flight upgrades; membership in Sony's Cierge personal shopping program and dozens of other elite club memberships.^[3] Hotel benefits include one free night, when at least one paid night is booked during the same stay, in every Mandarin Oriental hotel worldwide once a year^[3] (except for the New York City property),^[27] and privileges at hotel chains like Ritz-Carlton, Leading Hotels of the World, and Amanresorts. The card also features complimentary enrollment in Easirent Car Hire Platinum Service and the Avis Rent a Car President's Club.^[28]

Centurion Card members, like Platinum Card members, get complimentary access to the American Express Centurion Lounges at several US airports. They also get no pre-set credit limit, access to Priority Pass lounges around the world,^[29] plus additional lounge privileges based on the country their card is registered in. For example, Centurion cardholders in Canada also receive full access to Maple Leaf Lounges, a lounge network provided by Air Canada.^[30] At busy times, Centurion members have access to areas reserved for them. There are also drink options at the bar that are exclusive to Centurion members. As of 2015, they have a Champagne option of Veuve Clicquot and a single malt scotch by Balvenie.^[31] US cardholders earn 1 rewards point per dollar on all eligible purchases and 1.5 rewards points per dollar on purchases over US$5,000 (up to 1 million additional points per calendar year).^[32]

Since the inception of the card, members have received a copy of Departures, which is also sent to all Platinum Card cardholders. In 2004, American Express Centurion members in the US began receiving an exclusive "no name" magazine, which was not available by any other means. Starting with the Spring 2007 edition, this magazine was officially titled Black Ink. The magazine is available only to individual Centurion cardholders, not to the business-edition customers. European, Asian, and Australian Centurion members receive quarterly the Centurion magazine published by Journal International GmbH (Munich, Germany).^[33] In June 2011, the Centurion magazine website was launched, offering daily updates for Centurion Card members. According to Journal International, the average age of a Centurion reader from Europe or the Middle East is 49 years. Centurion has been published since 2001 and has a circulation in Europe and the Middle East of 44,100; in Asia of 13,900; and in Australia of 6,000.^[14]

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The Centurion card is often considered to be a status symbol.^[34] The card is commonly associated with celebrities and the rich and famous.

The card has been frequently referenced in: music, film, television, literature, and video games.

American Express does not disclose a list of Centurion cardholders, but a number of public figures have been associated with the card,^[35] including:

• Beyoncé^[36]
• Jeremy Clarkson (former)^[37]
• Mark Cuban^[36]
• Noel Gallagher^[38]
• John Mayer^[36]
• Oprah^[36]
• Jerry Seinfeld^[2]
• Donald Trump^[39]

Artists often make explicit references to the card. In the song "Last Call" (2004), Kanye West refers to the card with the lyrics: "I went to the malls and I balled too hard / 'Oh my God, is that a black card?' / I turned around and replied, 'Why yes / But I prefer the term African American Express'".^[40]

Singers including Ariana Grande, Beyoncé, Jay-Z, Lady Gaga, Bow Wow, Nelly Furtado, Lil Wayne, and Nickelback, among others, also mention black cards in their song lyrics but not a specific American Express product.^{[citation needed]}

The Centurion card has been used as an on-screen prop.

In Quantum of Solace, James Bond hands a Centurion card to a travel agent with a private jet chartering company to pay for a flight to Bolivia. The payment is declined by MI6 as the intelligence service seeks to strip Bond of his duties and revokes his credit cards and passports. The Centurion replica used in the film was part of the Bond in Motion exhibition at the London Film Museum.^[41]

In two episodes of the HBO comedy-drama show Succession, Kendall and Siobhan Roy, heirs to a media fortune, use their Centurion cards at a bar and a coffee shop.^[42]

In Lauren Weisberger's novel Everyone Worth Knowing, the protagonist Bette remarks on her coworker paying for dinner with the card: "There it was, the mythical American Express black card. Available by invitation only to those who charged a minimum of $150,000 per year."^[43]

In Street Fighter 6's World Tour mode, Ryu reveals to the player character in a conversation that he has a black card given to him by Ken Masters, which holds money he's earned from winning tournaments, guest appearances, and solving local crises. It turns out that Ryu is wealthy and has more than enough money to last the rest of his life.

In the intro of Far Cry 3, protagonist's friend Oliver Carswell shouts: "To my father's black card to my black card!"

• J.P. Morgan and the Reserve Card (Palladium Card)
• MasterCard and Visa
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• Banking in the United States

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