The cardmember agreement does state a hefty $10,000 initiation fee when you open the card and a $5,000 annual fee ( see rates and fees). Of course, you are also expected to have an excellent credit score in order to qualify for a black card. The 2020 Census Household Income Report found the median American household income is $67,521 per year, which makes the Centurion Card's six-figure minimum spending requirement well out of reach for most people. This typically means high spending requirements of upwards of six figures or more each year. 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. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs BondsĮxperts estimate that there are around 100,000 Amex Centurion cardholders in the world, with only about 20,000 of those being in the United States.
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