Centurion® Card from American Express
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Centurion® Card from American Express from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. Its annual fee is $5000.
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $5000
Best for dining-heavy spend when the $5000 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
What does the Centurion Card from American Express earn in each category?
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Centurion Card from American Express compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Centurion Card from American Express compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.6% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 0.6% |
| Gas Gas stations and fuel | 1% back | 0.6% |
| Travel Flights, hotels, transit | 1% back | 0.6% |
| Other General everyday spend | 1% back | 0.6% |
Madeen values cash back at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Centurion Card from American Express?
The Centurion Card from American Express fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
Centurion Card from American Express fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back. Travel perks may add value beyond the earn rate.
Less compelling if the $5000 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $5000 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0.6% effective (1% back).
- No foreign transaction fee listed.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $5000 annual fee requires enough spend in bonus categories to offset.
Does the Centurion Card from American Express have an annual fee?
The Centurion Card from American Express has an annual fee of $5000 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $5000
- Foreign transaction fee
- None
What travel perks does the Centurion Card from American Express include?
The Centurion Card from American Express includes Trusted traveler credit, Airport lounge access, Avis President's Club status, Centurion concierge in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Trusted traveler credit
$189 statement credits on your CLEAR membership
What benefits come with the Centurion Card from American Express?
Equinox All-Access membership
$3,600/yrCardmembers receive up to $3,600 in credits annually for an Equinox All-Access membership.
Saks Fifth Avenue credits
$1,000/yrCardmembers receive up to $1,000 annually in credits for Saks Fifth Avenue purchases, distributed as quarterly credits of $250.
Clear Plus membership
$369/yrCardmembers receive an annual statement credit for up to $369 to cover a Clear Plus membership for them and up to three family members.
Centurion concierge
$150/yrAirport lounge access
$99/yrCenturion cardmembers receive complimentary access to Amex's Global Lounge Collection, which includes access to Centurion Lounges, Delta Sky Club lounges, Priority Pass Select lounges, Escape Lounges, Plaza Premium lounges, Lufthansa lounges and other Global Lounge Collection partner lounges.
IHG One Rewards Platinum Elite status
$75/yrAvis President's Club status
Delta SkyMiles Platinum Medallion status
Gym Membership
Equinox All Access Gym Membership
Hertz Platinum status
Hilton Honors Diamond status
Marriott Bonvoy Gold Elite status
Related encyclopedia topics
Common questions about the Centurion Card from American Express
Does the Centurion Card from American Express have an annual fee?
The Centurion Card from American Express carries an annual fee of $5000 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Centurion Card from American Express?
Dining is the strongest Madeen category for the Centurion Card from American Express at about 0.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Centurion Card from American Express charge foreign transaction fees?
The Centurion Card from American Express does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Centurion Card from American Express annual fee worth it?
Whether the $5000 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Centurion Card from American Express?
Madeen's catalog lists a typical credit range of Excellent for the Centurion Card from American Express. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Centurion Card from American Express?
Rewards on the Centurion Card from American Express post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Centurion Card from American Express compare to similar cards?
Compare the Centurion Card from American Express against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Centurion Card from American Express This card | Dining | 0.6% | $5000 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure