The Amex Centurion 'black' card has a $5,000 annual fee and a long list of luxury perks, but you can get many of the same benefits with the Amex Platinum

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  • The Amex Centurion "black" has an initiation fee of $10,000 and an annual fee of $5,000.
  • It's also invite-only; you can't apply without permission from Amex.
  • The card offers some incredible benefits, like complimentary elite status across four hotel chains and with Delta, airport arrival services, and access to a concierge.
  • While some of these perks are exclusive to the Amex black card, you can enjoy many of them with  The Platinum Card® from American Express and The Business Platinum Card® from American Express.

Also known as the Centurion card, the American Express "black" card is in a different league than other premium credit cards. It's so prestigious that you have to be invited to use it, and only big spenders are eligible. Various celebrities are known to carry it as well, so it's no wonder the card has become an object of fascination for those of us who haven't been tapped to apply.

Amex black card requirements

You can't just apply for it and expect to get approved; you have to receive a private invitation from American Express. 

While the requirements for getting an invite for the black card aren't officially published, rumor has it that you have to be a high earner who has spent and paid off between $350,000 and $500,000 across all of your American Express accounts in a calendar year.

And once you're approved for the card, there's a $10,000 initiation fee, and a $5,000 annual fee. It makes premium cards like the Amex Platinum Card ($695 annual fee) and the Amex Business Platinum Card ($695) look downright affordable. 

Benefits of the Amex Centurion black card

The Amex Centurion card isn't just a status symbol; it has some great perks, including some unique benefits like complimentary Delta elite status that you won't find on other cards.

Hotel elite status

With a black card, you can lock in hotel elite status at four major hotel chains: Marriott, Hilton, Intercontinental Hotels Group, and Relais & Châteaux. Hotel elite status gets you sweet benefits like room upgrades, late checkouts, resort and spa credits, and free breakfast.

The Amex Platinum Card and Amex Business Platinum Card offer status with Hilton and Marriott**, but not with IHG and Relais & Châteaux.

Delta elite status

According to The Points Guy, the black card also offers cardholders Platinum Medallion elite status with Delta. You can't get this benefit with any other credit card, and it offers you perks like complimentary upgrades and bonus miles. 

Airport lounge access

There's nothing better than knowing you have access to a comfortable airport lounge while you're traveling, especially if you have a long layover. The Amex black card gets you free access to more than 1,400 airport lounges around the world, including Amex Centurion Lounges , Delta Sky Clubs when you're flying Delta, and Priority Pass airport lounges**. You can sit back and relax on the comfortable chairs while indulging in some good food and drinks.

The airport lounge access you get as a Centurion cardholder is virtually identical to the lounge access you get with the Amex Platinum Card and Amex Business Platinum Card.

Equinox membership

The Centurion card added several new perks in late 2019, along with the announcement that Amex would be raising the annual fee. One of the most valuable new benefits is Equinox Destination Access Membership, which lets Centurion cardholders use any of the 100-plus Equinox gym locations in the US, UK, and Canada. This membership costs $300 per month plus a $500 initiation fee, so it's quite valuable if you're a fan of the high-end fitness club chain.

Unsurprisingly, there's no comparable benefit on the Amex Platinum Card and Amex Business Platinum Card cards**. 

Up to $1,000 per year in Saks Fifth Avenue credits

The Amex Platinum Card offers up to $100 in credits for Saks Fifth Avenue per year**, so it's only fitting that the Centurion card has an even better version of this perk. 

Centurion cardholders also get up to $1,000 in credits for Saks purchases — divided into four credits of up to $250 per quarter of the year. To get the credit, cardholders just have to make an eligible Saks purchase with their Centurion card, and they'll be reimbursed up to the quarterly and annual limit in the form of a statement credit.

As a bonus, Saks stores will open their doors to Centurion cardholders outside of normal business hours — a pretty extravagant perk for those who want to make a power move or impress their non-Centurion-holding friends.

CLEAR® Plus membership 

CLEAR® Plus is an expedited security membership (an alternative to TSA PreCheck), and you can use it at more than 30 airports and more than 20 sports and concert venues in the US.

The recently revamped American Express® Green Card offers a statement credit for up to $189 toward CLEAR® Plus membership, which costs $189. With the Amex Centurion card, you can also get a statement credit for the full cost of membership when you use your card to buy it. Plus, you can get statement credits to cover adding up to three family members.

24/7 concierge service

An Amex black card gets you your own personal concierge whenever you'd like one. You can count on the round-the-clock concierge service to help you make travel plans or reservations at exclusive restaurants. This service can also get you tickets to just about any event and/or purchase gifts on your behalf.

Once again, the Amex Platinum Card and Amex Business Platinum Card also offer concierge services. However, Centurion cardmembers are definitely the top priority for Amex concierge, and they get the best access to restaurant reservations and more.

International arrival service 

If you travel abroad often, you'll love the black card's international arrival service. As long as you fly business or first class via American Express Travel, you'll be assigned to your own personal guide who will make the immigration and customs process a breeze. This isn't a benefit you can replicate with any other Amex card .

Another exclusive airport perk: Centurion cardholders get complimentary membership to The Private Suite at LAX, a private VIP terminal. But there's a big catch: You have to pay each time you use it — and it costs up to $3,000.

No spending limit

There are no preset spending limits with the Amex black card, so you can easily buy big-ticket items that you may not necessarily be able to pay for with other credit cards. Keep in mind, however, that you must pay off your balances in full every month.

Other lifestyle perks

Beyond offering elite status with more travel partners, international arrival service, and the top tier of Amex concierge service, the Amex black card stands out from the Amex Platinum and Business Platinum with its selection of wine-related benefits, such as consultations with a wine specialist and wine-buying offers.

Black cardholders also get several shopping perks, including special offers and VIP benefits with Net-a-Porter.

See our picks for the  best credit cards  »

American Express The Platinum Card® from American Express

Limited time offer: Earn 10X Membership Rewards® Points at restaurants worldwide for three months, on up to $25,000 in purchases when eligible card member refers a friend and the friend applies by May 22, 2024 and gets the card (terms apply). Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

See Pay Over Time APR

Earn 80,000 Membership Rewards® points

Good to Excellent

  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
  • Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
  • con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
  • con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
  • $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.

The Amex Platinum offers many of the same perks

If you don't get an invite for the American Express black card, don't fret. Many of the benefits it offers are available on the Amex Platinum, which has a $695 fee. You'll get no preset spending limits, hotel elite status, complimentary access to airport lounges, and concierge services.

Keep in mind, no preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. Read our Amex Platinum card review for more details.

If you're a business user, the Amex Business Platinum Card is worth a look. It offers most of these benefits as well, and has a $695 annual fee. Read our Amex Business Platinum review to learn more.

american express travel black card

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

For rates and fees of The Platinum Card® from American Express, please click here.

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American Express Centurion Black Card Review 2024

Updated: Feb 21, 2024, 2:39am

Fact Checked

This is a card for the 1%—or, more likely, the 0.001%. While the Centurion ® Card from American Express makes prospective holders work for it with high qualification and spending requirements, it rewards the select few who actually get the card with tons of perks. These include everything from access to many airport lounges to a personal concierge you can summon with a phone call. There is also a business version of this card, which is the better of the two.

The whole process of applying for this card is mysterious and feels very much like a secret society. First, this card is invite-only, and while you can apply for consideration there’s no guarantee you’ll be approved. It’s said that, while there are millions of American Express credit card holders, only 100,000 have this card. 

If you have the money for it and want to feel like a baller when you whip out a card made out of actual titanium, this card is for you. It also offers a lot of perks, especially for the frequent traveler, and ways to collect points that can make its very high initiation and annual fees worth it for high spenders. When it comes to the rate at which it earns points, though, this card is not the best out there. But it is probably unmatched in terms of clout, status signaling and personal service. 

  • Exclusivity: You don’t decide you want this card, this card decides if it wants you.
  • White-glove treatment: You get extremely personalized customer service.
  • Airport lounge access: Get access to more than 1,000 airport lounges worldwide, plus all the other perks and benefits American Express offers its clients.
  • Invite-only: You can apply online for consideration, but there’s no guarantee you’ll get it, even if you’re filthy rich. If Amex wants you to have this card, you’ll be invited. 
  • Expensive fees: There’s the annual fee, the initiation fee, and the fee to add additional users to the card. The annual fee and the initiation fee can vary and add up to nearly $11,000 alone on the high end.  

Centurion Card® from American Express

Table of Contents

Introduction, quick facts, amex black card rewards, amex black card benefits, how the amex black card stacks up, methodology, is the centurion card® from american express right for you.

Featured Partner Offers

American Express Cobalt® Card

American Express’s Secure Website

Welcome Bonus

Up to 15,000 Membership Rewards points

$155.88 ($12.99 per month)

Regular APR

  • You get 1 Membership Rewards point per dollar on all eligible purchases 
  • Automatic, complimentary elite status with some of the world’s leading hotel brands, including IHG Platinum Elite, Hilton Honors Diamond and Marriott Bonvoy Gold
  • Automatic access to elite status with Delta Air Lines. The card gives the holder complimentary Delta SkyMiles Platinum Medallion status, which includes priority check-in and boarding, upgrades, priority waitlisting and enhanced mileage earnings
  • You also get access to the Global Lounge Collection. That’s access to more than 1,400 airport lounges across 140 countries and counting, including flagship locations through The Centurion® Network, which includes Centurion Lounges and Escape Lounges – The Centurion® Studio Partner (other lounges include the International American Express Lounges and the Delta Sky Club lounges)
  • Invitation to exclusive Hertz Platinum status and Avis President’s Club, which are highest elite status levels for both car rental companies
  • VIP airport arrival services: at 32 major airports, save time by letting Amex handle your arrival details
  • A free Equinox gym membership, valued at about a $250 to $300 initiation fee, plus $175 per month for classes 
  • 24/7 concierge service

You may have heard of the American Express Black card, but you probably haven’t heard of its official name, the Centurion Card® from American Express. As the fanciest of the fancy Amex cards, it provides so many perks. Holders of this card get unlimited spending, free companion tickets with a full business or first class international fare on select airlines and lounge access. 

This is also a charge card, meaning it is for people who have the money to pay their purchases off every billing cycle; you cannot carry a balance. Holders have bought art and luxury cars with it, and rumour has it someone even bought a plane with it. It beats carrying millions of dollars in a suitcase or having to call your personal banker to wire the funds. 

The criteria to get one of these are extremely high: think high credit score, high earnings and high spending—really, really high, in fact. Minimum spending estimates are said to vary from $250,000 to $500,000 USD per year. Plus, you must have spent $100,000 to $450,000 USD a year on another American Express card before even being considered for this one. Those are estimates from data points collected online, though, because American Express isn’t telling.

Then there are the fees, and those are steep. Your average credit card doesn’t have an initiation fee but this one, like many black-level credit cards, does, and it can range from $7,000 to $10,000. Plus there is the annual membership fee of $2,500 (all fees in USD).

For those who can afford to carry this card, it’s worth it for the prestige and perks, because the earn rate on Membership Rewards is not great.

  • Crafted from titanium
  • No spending limits
  • Tons of travel perks
  • Invite-only

If you’re going to get this card, you might as well use it as your primary card, as you probably had to jump through hoops to get it. (We also recommend having a Visa or Mastercard as well for places that don’t accept American Express cards.)

That being said, the rewards earning rate on purchases isn’t great. There are no bonus purchase categories that earn more points, but Membership Rewards are not the best reason to have this card and aren’t worth paying the high annual fee if you are a points collector.

We think it is really for those who want the prestige of having this card and the extra perks and benefits that come along with that.

Earning Rewards

You get one point for every dollar spent. There are other cards that offer the same points per dollar ratio; earnings are not a standout feature of this card, and definitely not the main reason to have it.

Plus, it’s important to keep in mind that American Express cards are not accepted everywhere.

Redeeming Rewards

American Express points are very flexible. They can be used to book travel directly on the American Express Travel site, or transferred to Amex travel partners including Delta Air Lines, Marriott Bonvoy and other major international airlines and hotel chains. 

Plus, Amex periodically offers transfer bonuses, which strengthens the value of your points so you get more for the same amount. 

The Centurion Card® from American Express gives a 50% rebate on airfares purchased with its Membership Rewards points. The math works out to a return rate of two cents per dollar, which is better than any other Amex card. If you have the business version of the card, points earned on transactions over $5,000 are worth an effective 3% back when redeemed with the rebate. The personal card doesn’t have this offer. 

Points can also be redeemed for travel, retail and restaurant gift cards. You can even use them when you shop on Amazon. The rates and values vary based on the retailer but from what we found, they range from 0.5 to one cent per Membership Reward point. Looking at the points value, we think it’s better to use points for travel.

Rewards Potential

As we mentioned, there’s no spending limit on this card, and you get one point for every dollar you spent. So if you spent $500,000 on the card, you get 500,000 points. That’s enough to fly roundtrip from North America to Europe or Asia in first or business class several times.

  • Automatic, complimentary access to elite level status with some of the world’s leading hotel brands, including IHG Platinum Elite, Hilton Honors Diamond and Marriott Bonvoy Gold.
  • Automatic access to elite status with Delta Air Lines. The card gives the holder complimentary Delta SkyMiles Platinum Medallion status, which includes priority check-in and boarding, upgrades, priority waitlisting and enhanced mileage earnings. 
  • Access to the Global Lounge Collection. That’s access to more than 1,400+ airport lounges across 140 countries and counting, including flagship locations through The Centurion® Network which includes Centurion Lounges and Escape Lounges- The Centurion® Studio Partner (and yes, that is their full name) and other lounges including the International American Express Lounges and the Delta Sky Club lounges.
  • Invitation to the exclusive Hertz Platinum status and Avis President’s Club, which entitle you to your choice of rental car, complimentary rentals and more top of the line service from both companies.

Interest Rates

  • Regular APR: See terms
  • Cash Advance APR: N/A
  • Balance Transfer APR: Unknown
  • Cash Advance Fee: N/A
  • Balance Transfer Fee: See terms
  • Foreign Transaction Fee: None
  • Annual Fee: $5,000
  • Any Other Fees: $2,500 to add two additional users

This card is for a very small, very exclusive group of people, so there aren’t that many cards out there for comparison. However, there are some, like the HSBC Metal World Elite Mastercard, J.P. Morgan Reserve Card, Coutts Silk Card and the Mastercard Black Card. 

All of these cards have lower annual fees, fewer spending criteria to be eligible and better rewards. However, American Express’ ecosystem of travel, concierge service and exclusive events are a very attractive reason to get the Centurion® Card from American Express.

Centurion® Card from American Express* vs. HSBC Metal World Elite Mastercard

The HSBC World Elite Mastercard offers a lot of travel perks but not as many as the Centurion. Like Centurion, the HSBC Metal World Elite Mastercard has no welcome bonus, but, unlike Centurion, offers better rewards than 1 point per dollar in all spending categories. 

Reward rates with this card include 6 points per dollar on eligible travel purchases, 4 points per dollar on all eligible drugstore, gas and grocery purchases and 2 points per $1 on all other eligible purchases. Points can be redeemed for the following:

  • Gift cards and valuable merchandise
  • Financial rewards
  • Rewards for miles

It has a $499 annual fee and a full annual fee rebate if you are an HSBC Private Client, so you are already saving money there compared to Centurion Card; you also get a $200 travel credit each year. You also get extensive travel and medical insurance coverage, and it is unconfirmed whether you do with the Centurion Card.

Overall, it’s not a bad travel card if you’re a frequent traveler and is much cheaper than the Centurion Card. However, it doesn’t have the sheer number of benefits and perks that you’re entitled to with Centurion—if you are invited.

Centurion® Card from American Express* vs. The Platinum Card® from American Express

You get some of the same benefits from The Platinum Card . Think of it as the step towards the Centurion Black Card, if that’s your goal. 

The personal version of The Platinum Card has a significantly lower annual fee of $799 CAD. Like The Centurion Black Card, it has no pre-set spending limit and there is only a $250 annual fee for each additional Platinum Card, a $0 annual fee for the first two additional Gold Cards, and a $50 annual fee for any additional Gold Cards. Obviously, these fees are significantly lower than the Centurion Black Card.

As for rewards, The Platinum Card from American Express offers 2 points on dining, food delivery and travel, and one point for every dollar spent on other categories.

Centurion® Card from American Express* vs. The Business Platinum Card® from American Express

The business version gives you 80,000 Membership Rewards® points as a bonus after you charge $15,000 in net purchases to your card in your first 3 months of Card membership. You’ll also earn an additional 40,000 points when you make a purchase between 14 to 17 months after opening your account. You also get 1.25 points for every dollar spent on anything. 

You also get access to 1,300 airport lounges (100 fewer lounges than the Centurion card) across 140 countries and counting with the American Express Global Lounge Collection.

With an annual fee of $799 and access to nearly all the same travel perks, The Business Platinum Card from American Express is a better option than the Centurion Black for business owners.

When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With this card, the scoring model used takes into account factors such as, but not limited to, rewards rates and categories, fees, welcome bonus, and other benefits and features. Keep in mind what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.

Are you ridiculously wealthy? Do you make a minimum of $1 million a year before taxes? Do you love to travel? Do you love to collect tons of points that you can use for pretty much anything? What about personal service? Can you even be potentially invited to get this card? Do you want people to know you’re important? Then yes, this is the card for you. 

Do keep in mind that, while you can apply, the criteria for admission are extremely stringent and not publicly available.

SimplyCash® Card from American Express

On American Express’s Secure Website

Up to $100 in Statement Credits

Scotiabank Gold American Express® Card

On Scotiabank’s Secure Website

Up to 40,000 Scene+ points

How do I get a Centurion Card® from American Express?

You have to be invited. There is a link where you can apply for consideration, but if American Express decides that you are wealthy enough for the Centurion card, it will invite you .

What are the qualifications to get a Centurion Card® from American Express?

It’s difficult to say. There are different criteria all over the internet but from what we’ve seen, you have to spend a lot of money, have a history with another American Express credit card and be willing to spend at least $10,000 on an initiation fee. Basically, if you have to ask, you probably won’t qualify.

Is the Centurion Card® from American Express good for travel?

Yes. It gives the cardholder access to a vast amount of airport lounges, plus airline, hotel and rental car perks.

Advertiser's Disclosure

American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details and current product information, click the Apply Now link. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment.

Renee Sylvestre-Williams is a finance and business reporter. In her more than 10 years of journalism, her work has been published in the Globe and Mail, Flare, Canadian Living, Canadian Business, the Toronto Star and Forbes. She also publishes a biweekly newsletter, The Budgette, (now an audiobook) where she provides financial education for single earners.

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Everything You Ever Wanted to Know About the American Express Black Card

By Eric Rosen

Centurion Airport Lounge

The first rule of the AmEx Centurion Card is: You do not talk about the AmEx Centurion Card. Also known colloquially as the Black Card, Centurion membership is so exclusive that American Express will not even officially confirm any of its perks, nor what it takes to be invited to apply. That’s right, you must receive a formal invitation just to apply.

“It’s our long-standing policy not to share the details of our Centurion Membership,” is all the detail on the card that the issuer will divulge.

Commenting on the card publicly, posting about it on social media, or even just flashing it around are all apparently frowned upon. But we have it on good authority that celebrities including Beyoncé , Oprah Winfrey, and Jerry Seinfeld, who reportedly received the first-ever Black Card, all carry it. Collectively there are thought to be fewer than 20,000 AmEx Centurion cardholders around the world. We managed to speak to a few of them for the inside scoop on how you can get your hands on one and the VIP treatment you can expect once you do.

An application algorithm

American Express remains absolutely silent on the requirements for a Centurion Card invitation. However, card members we spoke with believe the issuer uses a secret algorithm more closely guarded than the Coca-Cola recipe to winnow potential candidates. There is also likely a team of advisers who conduct background checks and handpick each invitee.

Based on various sources, it appears that to be considered, you must be an existing American Express cardholder who regularly spends upward of $350,000 per year on your current AmEx cards, or around $500,000 if you want the business version of the card (yes, there’s a business version, too). It takes more than simply hitting the raw numbers, though. According to a cardholder we spoke with who requested anonymity, AmEx also analyzes candidates' spending and prioritizes those whose purchases tend to be in specific categories like luxury goods, dining, events, and travel. It is also thought to help your chances if a current Centurion Card member personally recommends you.

According to one Business Centurion Card holder who was willing to speak on the record, founder and CEO of The Points Guy, Brian Kelly, you might have luck just calling up and asking for the chance to apply. According to Kelly, his business was regularly spending upwards of $1 million per year on the company’s AmEx Business Platinum Card account. Noting that activity, he phoned American Express to ask about opening a Business Centurion account, and received an invitation two months later.

If you are accepted, expect to pay. A lot. New cardholders are subject to a one-time $10,000 initiation fee plus an annual fee of $5,000 just for the privilege of keeping the card in their wallet. Additional cards for authorized users are $5,000 each, and you can only add up to two of them per account.

Welcome to the elite ranks

That price tag might be worth it, though, considering just how many exclusive perks carrying the Centurion Card confers. Among the most outstanding: Members receive automatic Delta Platinum Medallion elite status, which normally requires flying 75,000 miles and spending $9,000 with the airline each year, plus mid-level Marriott Bonvoy Gold and IHG Rewards Club Platinum status, and top-tier Hilton Honors Diamond status with perks like upgrades and free breakfast during stays.

Card members also receive a statement credit worth up to $100 toward a Global Entry or TSA PreCheck application fee, plus complimentary Clear membership (normally $179 per year) to speed through airport security even faster. Worth another $4,500 per year is membership to PS at LAX , a private suite at the airport with luxurious departure and arrival amenities, though you still have to pay for individual visits. The Equinox Destination Access Membership grants entry to the brand’s 100+ locations and is worth another $3,600 per year. Like AmEx Platinum Card members , those with the Black Card can use Delta Sky Clubs and Priority Pass airport lounges when traveling. At AmEx’s own Centurion Lounges , they will find reserved tables set aside just for them and receive a complimentary glass of Veuve Clicquot (or a choice of other premium spirits).

When traveling in business or first class through over 30 designated airports around the world, they can take advantage of Centurion International Arrival Services including a personal escort to whisk them off the plane and through customs and immigration. Centurion members also receive special benefits like upgrades and on-property credits when booking stays through the Centurion Hotel Program at partner brands including Aman , Belmond, Mandarin Oriental , Oetker Collection, Peninsula Hotels, Rosewood , St. Regis, and Waldorf Astoria .

Through the Centurion Dining Program, cardholders can reserve hard-to-book tables at more than a thousand American Express restaurant partners around the world, including Blue Hill at Stone Barns and Mirazur in Menton, France . They are also entitled to private tours and tastings in Napa and can participate in special wine-collecting sales and advisory sessions.

Interestingly, the Centurion Card only accrues one American Express Membership Rewards point per dollar on most purchases, which actually trails many other AmEx products including the AmEx Gold Card and AmEx Green Card in terms of earning potential . The business version does earn bonuses for big-ticket items. But that’s not really the point, says Brian Kelly. If you carry the card, chances are you’re not stockpiling points to book cheap award tickets anyway.

This one perk alone is worth it

According to Kelly, the most exceptional benefit included with his Business Centurion Card is being able to enlist the services of his dedicated Centurion Concierge, Ray. Kelly says Ray has done everything from arranging private tours for his family in various cities across the globe to nabbing sold-out front-row tickets to a Celine Dion concert and scoring him last-minute invitations to exclusive AmEx cardholder events with luminaries like chef Massimo Bottura of Osteria Francescana and tennis superstar Rafael Nadal .

Even more impressive, when Mount Agung erupted on Bali in November 2017, stranding Kelly, Ray got him off the island and to another international airport via van and ferry with the help of AmEx contacts in Singapore. Most recently, Ray was able to change some of Kelly’s travel plans during the quickly intensifying coronavirus travel restrictions within 20 minutes of being contacted. Compare that to the multiple hours many travelers (and even Platinum Card members calling AmEx Travel) had to wait on the phone with airlines.

Kelly says that having access to Ray and the rest of the Centurion Concierge team is the one perk that makes carrying the card year after year worthwhile. Of course, it probably doesn’t hurt that AmEx also sends card members exclusive gifts every so often. Recent items have included a Sofia Cashmere travel set, Bottega Veneta and Tom Ford card cases, and bottles of Dom Pérignon with Baccarat crystal flutes or Tiffany crystal ice buckets. All the better to toast the extravagant benefits the Centurion Card has to offer.

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American Express Black card: Which rumors are true?

The Centurion Card from American Express is probably the most exclusive card out there – would you qualify?

Published: March 25, 2022

Ana Staples

Author: Ana Staples

Kaitlyn Tang

Editor: Kaitlyn Tang

Barri Segal

Reviewer: Barri Segal

How we Choose

There’s no other credit card product more mysterious and high-class than the Amex Black. Here’s what we know about it.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards , or use our CardMatch™ tool to find cards matched to your needs.

Credit cards can come with plenty of useful benefits – cash back, travel rewards, access to luxury lounges , various types of primary and secondary coverage – and much more. But there’s one benefit that only a few cards can offer, and that’s status.

When it comes to credit cards that make you feel like you’re royalty, the American Express Centurion Card*, also known as the Amex Black Card, is the most popular example. Having this card can be compared with being part of a secret elite: You have to be invited to become a member, and only members know the terms.

As a result, the Amex Black Card benefits and fees are veiled in mystery. The issuer prefers to maintain the mystery, too. When we reached out to inquire about what the card offers and how to get it, an American Express representative told us the following: “Centurion Membership is personalized and unique to each individual, and therefore we do not share the specific details about the card benefits.”

Without a doubt, such a response only makes one even more curious.

Read on to see what we’ve learned about the legendary Black Amex from our research and chats with people who’ve gotten a chance to get close to the legend.

  • What is the American Express Centurion Card?

The American Express Centurion Card is an exclusive luxury card from American Express that you can only apply for if you’re invited. You can, however, request to be considered for the invitation.

Who gets considered?

Linda Chavez, founder and CEO at Seniors Life Insurance Finder, told us about some experiences her clients had with the Amex Black Card.

“It actually takes spending an average of $500,000 for several years consecutively,” she said. “The threshold varies between a card member who hasn’t had a Platinum card for 15 years and spends only $100,000 annually and just asks Amex for it… [and] the card member who has had a Platinum card for three years but has spent at least 1 million annually, with a history of good credit and a strong portfolio and likelihood to keep spending high dollar amounts.”

As you can see, this product is designed for big spenders. But besides needing to spend a lot on Amex cards to be even considered, Centurion cardholders also pay incredibly high fees for the right to have such an exclusive card.

What are the Black card fees?

There are some pricey cards out there – for instance, The Platinum Card® from American Express charges a $695 annual fee and the Chase Sapphire Reserve card charges a $550 annual fee. But nothing comes close to the fees charged by the Amex Black Card.

Reports differ on how much it costs to have the Centurion card. For example, according to Forbes , the card charges a $10,000 initiation fee and $5,000 in annual fees, but Business Insider reports the initiation fee as $7,500.

One way or another, it’s clear that this card targets a specific slice of the consumer market.

  • Card benefits

You might be wondering for this kind of price just what benefits the Amex Black card offers. Many of the perks aim to offer luxury experiences rather than rewards.

“Free Equinox membership, and hotels will often put you in a better room when you show it,” shares Beth Shaw, founder and president of YogaFit who has had the Amex Black since 2008.

“Also, the airlines will push your status higher – [especially] Delta gives automatic elite status, and you can get into Delta lounges free. The Centurion lounges at airports are a great escape from the bustle of the airport as well.”

While it’s possible that benefits are tailored to each cardholder, here’s the information we’ve gathered on what the card may offer.

Elite statuses

The Centurion card comes with automatic elite statuses in select rewards programs to offer the highest level of luxury wherever cardholders travel.

  • Marriott Bonvoy Gold: Marriott Bonvoy Gold Elite members can upgrade their rooms at check-in and request late checkout when available. They also get a welcome amenity at participating properties and a 25% points bonus on their stays.
  • Hilton Honors Diamond : With this status, Hilton Honors members receive room upgrades when available, premium internet free of charge, 48-hour room guarantees, the fifth reward night free and a 100% bonus on all Hilton Honors base points earned.
  • IHG Platinum Elite: With this status, IHG Rewards Club members can get priority check-in, room upgrades, guaranteed room availability, late checkout and a 50% bonus on base points earned during stays.
  • Delta SkyMiles Platinum Medallion: The Platinum Medallion status, offered by Delta SkyMiles , comes with complimentary upgrades, priority wait-listing, check-in and boarding, a 20,000-mile bonus and other benefits.

American Express also has two hotel programs that offer their own sets of benefits.

  • Centurion Hotel Program: Centurion cardholders can enjoy exclusive benefits at Aman, Belmond, Mandarin Oriental, Peninsula Hotels, Rosewood, Waldorf Astoria, Oetker Collection and St. Regis. These benefits include noon check-in, room upgrades at booking and in-room Wi-Fi (all subject to availability). Cardholders also receive daily breakfast for two, 4 p.m. checkout, special amenities and up to $200 in credits on eligible hotel incidentals.
  • Amex Fine Hotels & Resorts: You can also take advantage of special benefits at eligible (more than 1,000) properties with the Amex Fine Hotels & Resorts program, including noon check-in and room upgrades (depending on availability), as well as daily breakfast for two, 4 p.m. checkout, complimentary Wi-Fi and up to $200 in credits on eligible hotel incidentals.

Travel perks

Amex Black cardholders travel in luxury. They can skip the airport’s security line with Global Entry or TSA PreCheck Priority screening – you get a $100 credit for Global Entry or $85 for TSA PreCheck application every four years. Further, you can receive an annual statement credit for a Clear membership.

When waiting to board, card members can escape the hustle and bustle with access to Centurion lounges and a complimentary Priority Pass Select membership – which can get them into more than 1,300 airport lounges around the world. If they travel to or from Los Angeles, they also can enjoy an annual membership to The Private Suite at LAX (although there are additional charges of up to $3,000 each time they use the service).

When members fly business or first class on international flights, a personal guide from Centurion International Arrival Services meets them and up to eight of their companions at the airport to expedite them through customs and immigration. The service can also organize ground transportation and provide baggage porters for a fee where available.

Centurion cardholders can save while enjoying all this luxury too. For instance, they can receive a 50% airline bonus and get half of their Membership Rewards back as a statement credit when redeeming them for a flight booked through Centurion or American Express Travel .

The International Airline Program also allows those with the Amex Black to save when purchasing a qualifying first- or business class ticket for international travel or upgrading from business to first class.

Finally, Centurion card members can save on more than flights. They may be entitled to credits on eligible cruise bookings of five nights or more, as well as additional amenities and bonus points.

Car rentals

For added comfort and convenience when traveling, the Centurion card offers a few car rental benefits.

  • Centurion Auto Program: Besides premium car purchasing, this program offers luxury car rentals and driving experiences.
  • Avis President’s Club:  This program guarantees a car rental at corporate locations (even when you don’t have a reservation) and offers complimentary domestic upgrades and opportunities to save on rates.
  • Hertz Platinum: With this program, Centurion card members can count on car upgrades, car pickup and delivery to select private planes free of charge, first priority for car availability and other perks.

Luxury experiences

It’s not fine living if it doesn’t include fine dining and wining experiences. If you’re an Amex Black card member, the card can offer plenty when it comes to lifestyle perks.

Besides providing access to exclusive sales and events (think the Grand Prix de Monaco and VIP tickets to Coachella), Amex Black cardholders can feel rest assured knowing there’s a table held for them at 1,000 of the world’s top restaurants with the Centurion Dining Program.

Wine lovers can also get a lot of value from the Centurion card. It can take them on a wine tour through Centurion Wine that offers private tastings in Napa, Tuscany Tours or Napa Tours. They can also find special wine-buying offers on Centurion.com, complimentary consultations with a wine-collecting specialist, complimentary one-year subscription to CellarTracker.com and more.

Centurion cardholders who love fitness can work out in luxury wherever they go with a complimentary Equinox destination access membership that provides access to more than 100 Equinox fitness clubs around the world.

Shopping with Centurion

Last but not least, the Amex Black card can take your shopping to the next level. It reportedly comes with up to $250 in Saks Fifth Avenue credits per quarter and provides access to Saks stores outside of normal business hours.

Additionally, cardholders can use the Centurion Shopping Program to receive exclusive offers from luxury brands and InCircle that earn extra rewards for shopping at Last Call, Bergdorf Goodman, Cusp, Horchow Neiman Marcus. On top of that, card members even have access to personal shoppers with NET-A-PORTER and MR PORTER shopping services.

  • Luxury card alternatives

As you can see, the card is packed with attractive perks and benefits. However, you don’t need to be a millionaire to get an elite credit card that offers outstanding value and benefits – and makes you feel like a million dollars.

For example, the American Express Platinum might not get you a personal guide to meet you at an airport or open a boutique’s doors after hours for you, but it actually shares quite a few benefits with the Centurion card, like Centurion lounge access, Priority Pass Select and access to the Centurion Dining Program, among others. Not to mention, it’s a metal card that looks (and feels) luxurious – all for $695 per year.

And if it’s the luxurious feel of the card that you’re after, there are even more affordable options from the issuer. The American Express® Gold Card is a gorgeous metal card now available in two colors – classic gold and elegant rose gold.

The card doesn’t offer as many luxurious travel benefits but can provide a lot of value to foodies, earning 4X points at restaurants and at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X points), 3X points on flights booked directly with airlines or amextravel.com and 1X points on other purchases. The annual fee is only $250 per year, and the card almost pays for itself, thanks to an up to $120 annual dining credit ($10 per month at qualifying locations) and up to $120 in Uber Cash ($10 per month) each year.

You should also consider the Chase Sapphire Reserve, another premium card with excellent travel perks and valuable rewards. Besides earning points on travel and dining, it comes with a generous $300 annual travel credit and attractive benefits such as up to $100 in Global Entry/TSA PreCheck credits, a Priority Pass Select membership and more. The Chase Sapphire Reserve card will cost you $550 per year.

Bottom line

The American Express Black card is filled to the brim with elite benefits, and it’s perfect for showcasing status. Most of us won’t even get a chance to ponder whether we want the card, thanks to its mysterious and steep eligibility requirements, but don’t fret. There are plenty of premium credit cards to choose from – and they’re just as beautiful and full of value.

*All information about the American Express Centurion Card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Ana Staples is a staff reporter and young credit expert reporter for CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.

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Mastercard Black Card vs. Amex Black (Centurion) Card [Detailed Comparison]

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Mastercard Black Card vs. Amex Black (Centurion) Card [Detailed Comparison]

Mastercard Black Card vs. Centurion Card — Overview

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The Mastercard ® Black Card™ and Centurion ® Card from American Express (also known colloquially as the “ Amex Black card “), are 2 of the most common cards that come to mind immediately when someone mentions “black card.”

Barclays issues the Mastercard Black card, while American Express issues the Centurion card. Both cards ooze prestige and appeal to well-heeled individuals who value luxury travel and service of the highest caliber.

But what are the differences between the 2 cards? In this guide, we’ll spell everything out for you. As you’ll find out, one of these cards is significantly more premium than the other, making it a no-brainer if you’re willing to pony up a small fortune for impeccable service.

Let’s get started!

All information about the Centurion ® Card from American Express has been collected independently by Upgraded Points.

Just because both of these products are known to the public as “black cards” doesn’t mean they’re the same. In fact, they could not be more different in terms of features, benefits, fees, and so on.

We’ve compiled this table walking you through the basic, 10,000-foot view of each card:

The Centurion card, as you can tell, blows the Mastercard Black card out of the water in terms of costs and benefits.

At a high level, the Mastercard Black card offers very lackluster benefits for its price tag, while the Centurion card offers massive upside with its benefits and service, though at a much higher price tag than you might expect.

In any case, you can begin to see how comparing these 2 products ultimately results in an apples-to-oranges comparison.

Welcome offers or bonuses are introductory incentives offered to new cardholders to encourage them to start using the card for purchases.

After meeting minimum spending requirements, you earn a significant welcome bonus, which is used to turbocharge the rewards you initially earn.

Currently, neither the Centurion card nor the Mastercard Black card offers a welcome bonus.

Luxury Card Points vs. Amex Membership Rewards

The points currency with the Mastercard Black card is called Luxury Card points, whereas the currency associated with the Centurion card is known as Amex Membership Rewards points .

Luxury Card points are worth a fixed value depending on how they’re used, but Amex Membership Rewards points are flexible rewards points that can be used to book luxury award travel for outsized value.

For example, Amex points can be transferred to a long list of airlines and hotels to book incredible flights like Emirates first class and Air France business class and luxury hotels like Grand Wailea, A Waldorf Astoria Resort and Conrad Bora Bora Nui .

The Centurion card and Mastercard Black card have straightforward earning structures:

Luxury Card points are worth at most 2 cents each when redeemed for airfare. However, they’re worth 1.5% when redeemed towards cash-back and less when used towards other redemptions like gift cards. However, when you use Luxury Card points, you don’t need to worry about searching for award availability, which is a potential benefit over Amex Membership Rewards points.

Amex Membership Rewards points are worth 2.2 cents each according to our valuations , but if you’re a savvy traveler, you can get upwards of 10 cents per point by booking luxury award travel. So from a rewards standpoint, you can get some amazing value from Amex Membership Rewards points.

Fundamentally, the Mastercard Black card and Centurion card have different methods to use rewards.

Luxury Card Points

At the highest level, the best ways to use Luxury Card points are for airfare booked through the Luxury Card travel portal (2 cents per point) or cash-back (1.5 cents per point) .

When using Luxury Card points for gift cards, you’ll usually get a value of 1 cent per point — in some cases, you can get special offers at certain merchants like Express or Athleta for around 1.1 to 1.2 cents per point.

You can also use Luxury Card points for online shopping, but this almost always results in a redemption value of less than 1 cent per point. Charitable donations through CharityChoice Gift Cards net you 1 cent per point of value.

Read our Luxury Card review for more information.

Amex Membership Rewards Points

Meanwhile, Amex Membership Rewards points can be used via any number of the Amex transfer partners to book award travel, resulting in a maximum value of up to 10 cents per poin t! This is the best way to get terrific value from your Amex points.

Additionally, you can make AmexTravel.com bookings using the Centurion card with a 20% rebate , which results in a 1.25 cent per point redemption value.

Lastly, you can redeem Amex points for gift cards, statement credits, online shopping, Amazon.com purchases, and more for a subpar value of less than 1 cent per point.

Hot Tip: We’ve also compared the Mastercard Black card to The Platinum Card ® from American Express .

Luxury resort

The Centurion card and Mastercard Black card are worlds apart when it comes to hotel program benefits.

In simplest terms, the Mastercard Black card offers no real benefits or advantages at hotels , whereas the Centurion card offers the most comprehensive suite of hotel benefits available .

To start, the Centurion card gets you Hilton Honors Diamond status , which is the highest tier available. This tier allows you to get benefits like upgrades to standard suites, complimentary continental breakfast, and more.

Also, you’ll get IHG One Rewards Platinum Elite status , which is the second-highest elite tier within IHG Rewards. Notable benefits include complimentary upgrades, welcome amenities, early check-in, and late checkout.

Centurion cardholders also enjoy Marriott Bonvoy Gold Elite status , which is the mid-tier status. This gets you late checkout, preferred room upgrades, and more.

Lastly, the Centurion card enables you to access the Centurion Hotel Program , which is a small step above the Fine Hotels & Resorts program . At select luxury brands like Aman, Belmond, Mandarin Oriental, Oetker Collection, The Peninsula Hotels, Rosewood Hotels & Resorts, St. Regis, and Waldorf Astoria, you can get:

  • Room upgrades
  • Complimentary breakfast
  • Early check-in
  • Guaranteed 4 p.m. late checkout
  • $100 to $200 property credit
  • Complimentary Wi-Fi

This is pretty similar to the Fine Hotels & Resorts program, save for the enhanced property credit of up to $200 instead of $100.

Lastly, the Centurion card allows you to also book stays at The Hotel Collection (as does The Platinum Card ® from American Express and American Express ® Gold Card ).

One of the most important pillars of benefits when it comes to credit cards and charge cards is statement credits.

These statement credits are extra ways to get incremental value from your card and can go a long way in justifying annual fees in the long run.

The Mastercard Black card offers 2 statement credit benefits:

  • $100 airline credit every year
  • $100 Global Entry application fee credit every 5 years

Meanwhile, the Centurion card offers these statement credit benefits:

  • Up to $1,000 Saks Fifth Avenue credit ($250 per quarter)
  • Up to $189 CLEAR Plus credit
  • Up to $200 in Uber Cash ($15 per month, plus a $20 bonus in December)
  • Global Entry or TSA PreCheck application fee credit

As you can see, the Centurion card offers several times more value than the Mastercard Black card through statement credits.

Travel Benefits and Protections

Aircraft

When you’re traveling, having extra insurance coverage or protections can offer tremendous peace of mind.

We took a deep dive into the travel benefits and protections offered by the Mastercard Black card and Centurion card and in this section, we’ll break them all down!

We discussed statement credits in the section above, but the Mastercard Black card offers a $100 annual airline credit and a $100 Global Entry application fee credit every 5 years.

Meanwhile, the Centurion card includes an annual CLEAR Plus credit of up to $189, a Global Entry or TSA PreCheck application fee credit every 4 years, and up to $200 in Uber Cash every year.

In total, the Centurion card offers $389 in travel-related statement credits every year and up to $100 in credits every 4 years. The Mastercard Black card offers $100 in travel-related statement credits annually and up to $100 in credits every 5 years.

Another area of stark contrast between the Mastercard Black card and Centurion card is in airport lounge access privileges.

With the Mastercard Black card, you’re offered a complimentary Priority Pass Select membership .

If you have the Centurion card, you can maximize the American Express Global Lounge Collection , which consists of:

  • Centurion Lounges (including  domestic U.S.  and  international locations )
  • Delta Sky Club  (when flying on Delta the same day)
  • Escape Lounges — The Centurion Studio Partner
  • Select  Lufthansa Lounges  (when flying Lufthansa the same day)
  • Priority Pass Lounges (activation required)
  • Plaza Premium Lounges
  • Select  Virgin Clubhouses

Even more impressive, the Centurion card gets you exclusive membership to PS at LAX , which would otherwise be valued at $4,850 per year. PS at LAX is an absolute essential for celebrities, influencers, and public figures, so you’ll enjoy top-notch VIP service here.

Plus, you can receive a complimentary visit to a new space within PS created exclusively for Centurion Members once every year for yourself and 1 guest when you book a first or business class international ticket through Centurion Membership Services. You can also access it anytime for $550 per person.

The Mastercard Black card doesn’t offer any special airport logistics services, while the Centurion card includes arrival and departure services at select airports .

These benefits include:

  • Greeting you at the gate or as you arrive at the airport
  • Expediting you through security, customs, and immigration (when possible)
  • Arranging for electric carts and baggage porters (when available)
  • Coordinating with your ground transportation for an easy exit

You can enjoy these services for yourself and up to 8 travel companions.

To enjoy arrival and departure services, you must use your Centurion card to purchase a first or business class ticket through Centurion Travel Services.

Here are the non-U.S. airports that currently offer arrival and/or departure services:

  • Abu Dhabi (AUH)
  • Amsterdam (AMS)
  • Athens (ATH)
  • Bali-Denpasar (DPS)
  • Bangkok-Suvarnabhumi (BKK)
  • Barcelona (BCN)
  • Cape Town (CPT)
  • Dubai (DXB)
  • Dublin (DUB)
  • Frankfurt (FRA)
  • Geneva (GVA)
  • Istanbul (IST)
  • Jakarta (CGK)
  • Johannesburg (JNB)
  • Kuala Lumpur (KUL)
  • Lisbon (LIS)
  • London City Airport (LCY)
  • London-Gatwick (LGW)
  • London-Heathrow (LHR)
  • London-Stansted (STN)
  • Madrid (MAD)
  • Manila (MNL)
  • Melbourne (MEL)
  • Milan-Malpensa (MXP)
  • Mumbai (BOM)
  • Munich (MUC)
  • Nairobi (NBO)
  • New Delhi (DEL)
  • Nice-Côte d’Azur (NCE)
  • Paris-Charles de Gaulle (CDG)
  • Seoul-Incheon (ICN)
  • Sydney (SYD)
  • Tel Aviv (TLV)
  • Vienna (VIE)
  • Zurich (ZRH)

And here are the U.S. airports currently offering arrival and departure services:

  • Atlanta (ATL)
  • Boston (BOS)
  • Chicago (ORD)
  • Dallas-Fort Worth (DFW)
  • Fort Lauderdale (FLL)
  • Los Angeles (LAX)
  • Palm Beach (PBI)
  • Phoenix (PHX)
  • Seattle (SEA)
  • San Francisco (SFO)
  • Orange County (SNA)
  • Washington-Reagan (DCA)

Upon activation, the Centurion card’s car rental benefits are unsurpassed , especially compared to the Mastercard Black card.

You’ll get:

  • Hertz Platinum status
  • Avis President’s Club status

Avis President’s Club is invite-only, and you’ll receive complimentary double upgrades, discounts on standard rates, a guaranteed car at corporate locations with only 1 day of advanced notice, and much more.

With Hertz Platinum status (also invite-only), you’ll get these fantastic benefits:

  • Rentals delivered to the location of your choice
  • More time to return (4-hour grace period)
  • Automatic upgrades
  • Your choice of car with priority availability worldwide
  • Complimentary ski racks and car seats
  • Exclusive savings and even more benefits

Being able to enjoy not 1 but 2 invite-only car rental elite statuses is absolutely unheard of. But with the Centurion card, it’s just par for the course!

When it comes to the Mastercard Black card, you’ll get “enhanced trip cancellation and interruption” coverage, but the word “enhanced” is relative, so don’t be fooled. You’ll get up to $5,000 per covered trip and up to $10,000 per 12 consecutive month period for both trip cancellation and trip interruption coverage.

Meanwhile, the Centurion card offers you up to $10,000 per covered trip and up to $20,000 per 12 consecutive month period for both trip cancellation and trip interruption coverage. This is double the amount of coverage from the Mastercard Black card.

If you have the Centurion card and your eligible trip is delayed by more than 6 hours, you can get coverage of up to $500 per trip towards reasonable additional expenses incurred (including meals, lodging toiletries, medication, and other personal use items). You’re limited to a maximum of 2 claims per 12 consecutive month period.

The Mastercard Black card does not offer any trip delay coverage .

If you hold the Mastercard Black card, you can get reimbursed for up to $100 per day for 3 days in the event of a baggage delay if your baggage is delayed by more than 4 hours. However, the Mastercard Black card does not offer any lost baggage coverage.

In contrast, the Centurion card offers lost baggage coverage, but not delayed baggage reimbursement. The lost baggage coverage insures you for up to $3,000 per covered person per trip with a maximum of $1,000 per person for all high-risk items.

The Mastercard Black card offers up to $250,000 in travel accident insurance , while the Centurion card (as well as other Amex cards) does not offer any travel accident insurance any longer.

Another benefit offered by many premium credit cards nowadays is travel assistance services; this generally refers to urgent, unforeseen needs as opposed to travel planning or management.

For example, the Mastercard Black card offers:

  • MasterTrip Travel Assistance
  • MasterTrip Medical Assistance
  • MasterLegal Referral Services

MasterTrip Travel Assistance helps provide travel requirement information, such as information on visas, passports, immunizations, currency exchange rates, and more. It can also help locate lost or stolen travel materials, including luggage.

MasterTrip Medical Assistance helps provide you with a network of general physicians, dentists, hospitals, and pharmacies.

MasterLegal Referral services provide you with English-speaking legal referrals on consultations with embassies regarding your situation.

Also, Mastercard Global Services helps provide worldwide, 24-hour assistance with emergency card replacement, emergency cash advance, and lost or stolen card reporting.

The Centurion card offers a service called the Premium Global Assist Hotline , which also includes services like emergency translation, emergency transportation, emergency message services, valuable document delivery, repatriation of mortal remains, emergency medical transportation and evacuation, and more.

The Mastercard Black card offers access to a 24/7 Luxury Card Concierge whereby you can get help with planning travel, booking dining reservations, personalizing shopping services, accessing insider special events, and so on.

Unfortunately, the reviews for the Luxury Card Concierge aren’t great — what  is great, though, is the personal concierge assigned to you through Centurion Membership Services.

The Centurion Membership Services team is world-famous for being able to arrange the most elusive dining reservations, exclusive event tickets, and niche activities on your behalf.

This well-connected concierge team can help facilitate your travels and lifestyle, which is limited only by your imagination.

Whether it’s finding the rarest, first edition toys for your child, last-minute travel requests, or ordering custom cars, the Centurion Membership Services team has got you covered.

Shopping Benefits and Protections

Both of these cards are designed to help you live a luxury lifestyle, whether you’re traveling or not.

So in this section, we’ll walk you through each card’s shopping perks.

Another amazing benefit associated with the Centurion card is the complimentary Equinox Destination Membership , which also includes Equinox+.

This is an incredible benefit that essentially gets you a complimentary luxury gym membership at some of the best gyms in the world. This is worth around $300 per month or around $3,500 per year, though the exact price may vary.

You can also get a $300 statement credit each time you use your Centurion card to purchase a SoulCycle at-home bike, up to 15 bikes per calendar year.

The Centurion card includes access to Amex Offers , which can be surprisingly lucrative. You can use Amex Offers to earn more points or get cash-back on select purchases.

Here are some of the most exciting Amex Offers we’ve seen:

  • Earn 5x total points on Amazon.com purchases
  • Spend $500 or more, get $100 back at Marriott
  • Spent $400 or more, get $80 back at MGM Resorts
  • Earn 5x total points at Fleming’s Prime Steakhouse & Wine Bar

Currently, the Mastercard Black card doesn’t offer anything to earn bonus rewards on shopping.

With the Mastercard Black card, you’ll be eligible to get up to $1,000 in cell phone protection every consecutive 12-month period. This is capped at $800 per claim with a $50 deductible and up to 2 claims per rolling 12 months.

With the Centurion card, you can enjoy enhanced cell phone protection coverage, which is established at $800 per claim with a $50 deductible and up to 2 claims per consecutive 12-month period. The twist is that you won’t be capped at $1,000 in total coverage when using the Centurion card.

Surprisingly, the Mastercard Black card does not include purchase protection , which is quite shocking.

Purchase protection is offered to Centurion cardholders, and you’re eligible for up to $10,000 per item , $50,000 per calendar year, and up to $500 for natural disaster-related events for up to 90 days after the date of the covered purchase.

Interestingly, the Mastercard Black card also doesn’t include extended warranty coverage .

The Centurion card has amazing extended warranty coverage, which provides up to 3 extra years on top of the original manufacturer’s warranty of 5 years or less! This coverage is limited to $10,000 per item or $50,000 per calendar year.

One of the rarest card benefits is return protection, which covers you in the event that the original merchant you made your purchase with won’t accept your return.

For returns attempted within 90 days from the date of purchase, the Centurion card can refund up to $300 per item and $1,000 per calendar year through return protection.

As to be expected from cards of this caliber, the Mastercard Black card, and Centurion card come with zero liability protection, which can help protect you against unauthorized charges.

There are no foreign transaction fees with both the Mastercard Black card and Centurion card (as should be expected with these ultra-premium cards).

The Mastercard Black card has a credit limit, while the Centurion card has no preset spending limit.

In fact, the Centurion card made headlines when a cardholder was able to buy a $170 million painting with it!

Annual Fees and Adding Additional Users

The Mastercard Black card comes with an annual fee of $495 , while the Centurion card comes with a one-time initiation fee of $10,000 and an annual fee of $5,000 .

Each additional authorized user on the Mastercard Black card will cost $195, while each additional authorized user on the Centurion card will cost $5,000.

Well, the verdict is in! The Centurion card beats out the Mastercard Black card in terms of rewards, benefits, and features. The major drawback of the Centurion card is its $10,000 initiation fee and $5,000 annual fee (plus $5,000 annually for each authorized user).

However, the truth is that the fees will easily pay for themselves with the right consumer between the complimentary hotel elite status, $1,000 in Saks credits, complimentary Equinox membership, and PS at LAX membership.

Unfortunately, it’s almost impossible to justify the annual fee for the Mastercard Black card, especially when you have other amazing options like The Platinum Card ® from American Express  or the Chase Sapphire Reserve ® .

We hope you’ve found this guide useful in comparing the Mastercard Black card and Centurion card head-to-head!

The information regarding the Mastercard ® Black Card™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For the baggage insurance plan benefit of the Centurion ® Card from American Express, baggage insurance plan coverage can be in effect for covered persons for eligible lost, damaged, or stolen baggage during their travel on a common carrier vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an eligible card. Coverage can be provided for up to $2,000 for checked baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the common carrier. The coverage is also subject to a $3,000 aggregate limit per covered trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each covered person with a $10,000 aggregate maximum for all covered persons per covered trip. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the cell phone protection benefit of the Centurion ® Card from American Express, coverage for a stolen or damaged eligible cellular wireless telephone is subject to the terms, conditions, exclusions and limits of liability of this benefit. The maximum liability is $800, per claim, per eligible card account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per eligible card account per 12 month period. Eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty benefit of the Centurion ® Card from American Express, when an American Express ® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Centurion ® Card from American Express, purchase protection is an embedded benefit of your card membership and requires no enrollment. It can help protect covered purchases made on your eligible card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the covered purchase date. The coverage is limited up to $10,000 per occurrence, up to $50,000 per card member account per calendar year. Coverage limits apply. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of the Centurion ® Card from American Express, with return protection, you may return eligible purchases to American Express if the seller won’t take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express ® Card. Purchases must be made in the U.S. or its territories. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the trip cancellation and interruption insurance benefit of the Centurion ® Card from American Express, the maximum benefit amount for trip cancellation and interruption insurance is $10,000 per covered trip and $20,000 per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Centurion ® Card from American Express, up to $500 per covered trip that is delayed for more than 6 hours; and 2 claims per eligible card per 12 consecutive month period. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

The information regarding the Centurion ® Card from American Express was independently collected by Upgraded Points and was not provided nor reviewed by the issuer. 

For rates and fees of The Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Gold Card, click  here .

Frequently Asked Questions

Is the centurion card the same as the black card.

Most people refer to the Centurion card as the “black card” because of its physical appearance. There are other black cards out there, including the Mastercard Black card, but the one that all the celebrities, CEOs, and public figures use is the Centurion card.

What is the hardest black card to get?

The hardest black card to get is undoubtedly the Centurion card, which is invitation-only and issued by American Express.

Is it hard to get the Mastercard Black card?

It’s not too difficult to get one of these cards. Unfortunately, the Mastercard Black card is very much a vanity item with limited benefits and high fees that don’t really make it worth your while.

Can anyone get an American Express black card?

No. The Centurion card is incredibly difficult to get. You have to be an existing Amex customer (ideally with an Amex Platinum card), have income beyond the top 1% of Americans, have a high net worth of at least $3MM+, and spend a lot of money on your Amex cards every year (usually at least $300,000).

There’s no formula to get invited, and even some of Amex’s best cardholders will never get invited.

How much is a Mastercard Black card?

The Mastercard Black card has a $495 annual fee with an annual fee of $195 for any authorized users.

What is the limit on a black card?

The Centurion card has no preset spending limit, but the Mastercard Black card has a credit limit. Usually, the credit limit on the Mastercard Black card is at least $10,000.

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Best American Express Cards of May 2024

Kenley Young

ALSO SEE: Best credit cards of 2024 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo

American Express made its name with cards that were as much status symbols as payment methods. In the 21st century, the issuer offers a complete line of cards with generous rewards and valuable benefits, and many of them do not charge annual fees .

Some American Express cards earn simple cash back, while others offer rewards points and travel benefits. Many AmEx cards also come with a variety of useful side perks . Regardless of your goals, there's likely an American Express card that fits your priorities, habits and lifestyle .

250+ credit cards reviewed and rated by our team of experts

80+ years of combined experience covering credit cards and personal finance

100+ categories of best credit card selections ( See our top picks )

Objective comprehensive ratings rubrics ( Methodology )

NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity .

Show summary

NerdWallet's Best American Express Cards of May 2024

Blue Cash Preferred® Card from American Express : Best for Family spending: Groceries, gas, transit, streaming

The Platinum Card® from American Express : Best for Luxury travel perks

American Express® Gold Card : Best for Travel rewards on everyday spending

Blue Cash Everyday® Card from American Express : Best for No-annual-fee grocery and gas rewards

The Business Platinum Card® from American Express : Best for Luxury perks for business travelers

The Blue Business® Plus Credit Card from American Express : Best for Simple rewards for small business

The American Express Blue Business Cash™ Card : Best for Simple cash rewards for small business

American Express® Business Gold Card : Best for Customized rewards for business

The Plum Card® from American Express : Best for Flexible financing for businesses

Best American Express Cards From Our Partners

Find the right credit card for you..

Whether you want to pay less interest or earn more rewards, the right card's out there. Just answer a few questions and we'll narrow the search for you.

Family spending: Groceries, gas, transit, streaming

Luxury travel perks, travel rewards on everyday spending, no-annual-fee grocery and gas rewards, luxury perks for business travelers, simple rewards for small business, simple cash rewards for small business, customized rewards for business, flexible financing for businesses, best american express cards.

Before applying, confirm details on the issuer’s website.

CONSUMER CARDS

Blue cash preferred® card from american express.

Our pick for: Family spending: Groceries, gas, transit, streaming

If your household spends a lot on groceries, gas, transit and streaming, the Blue Cash Preferred® Card from American Express is for you. The rewards it pays in those categories — particularly at U.S. supermarkets and on select U.S. streaming subscriptions — are among the richest of any card. There's a nice welcome offer for new cardholders and an introductory APR period, too. The generous benefits come at a cost, though: Unlike most cash-back cards, this one charges an annual fee. Terms apply. Read our review.

Blue Cash Everyday® Card from American Express

Our pick for: No-annual-fee grocery and gas rewards

The Blue Cash Everyday® Card from American Express pays elevated rewards at U.S. supermarkets, at U.S. gas stations and on U.S. online retail purchases. The rewards might not be as rich as on the Blue Cash Preferred® Card from American Express , but this card doesn't charge an annual fee either. New cardholders get a decent welcome offer and an introductory 0% APR period.  Read our review.

American Express Cash Magnet® Card

Our pick for: Simple, flat-rate cash back

The American Express Cash Magnet® Card pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. Plus, get a decent welcome offer and an introductory 0% APR period. If you want an AmEx card with a no-hassle rewards structure, this is your card. Read our review.

The Platinum Card® from American Express

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style (and aren't afraid to pay for comfort) can more than get their money's worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That's not even getting into the high rewards rate on eligible travel purchases and the rich welcome offer for new cardholders. Read our review.

American Express® Gold Card

Our pick for: Travel rewards on everyday spending

The American Express® Gold Card can earn you a pile of points from everyday spending, with generous rewards at U.S. supermarkets, at restaurants and on certain flights booked through amextravel.com. Other benefits include hundreds of dollars a year in available dining and travel credits and a solid welcome offer for new cardholders. There's an annual fee, though, and a pretty substantial one, so it's not for smaller spenders. Read our review.

American Express® Green Card

Our pick for: Travel and dining rewards

The "original" American Express card is a great fit for travelers who can make use of its extensive list of airline and hotel transfer partners and its rich rewards on dining and travel. The American Express® Green Card also offers some potentially valuable credits and a good welcome bonus offer for new cardholders. There's an annual fee to consider, however, and getting maximum value can take some work. But if you're committed to the AmEx Membership Rewards, it's a fine option. Read our review.

Amex EveryDay® Credit Card

Our pick for: AmEx points for no annual fee

The Amex EveryDay® Credit Card is the only American Express card without an annual fee that gives you Membership Rewards points ... although you shouldn't expect to get a ton of them. You can earn bonus points at U.S. supermarkets and on certain travel, and your rewards rate gets a boost if you use the card frequently enough.  Read our review.

SMALL BUSINESS CARDS

The business platinum card® from american express.

Our pick for: Luxury perks for business travelers

The Business Platinum Card® from American Express comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply .

The American Express Blue Business Cash™ Card

Our pick for: Simple cash rewards for small business

The American Express Blue Business Cash™ Card boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also a $0 annual fee. Learn more and apply .

The Blue Business® Plus Credit Card from American Express

Our pick for: Simple rewards for small business

The Blue Business® Plus Credit Card from American Express is a near-twin to The American Express Blue Business Cash™ Card , with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply .

American Express® Business Gold Card

Our pick for: Customized rewards for business

The rewards on the American Express® Business Gold Card adjust according to your spending. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and cell phone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply .

The Plum Card® from American Express

Our pick for: Flexible financing for businesses

Businesses with high working capital needs but sometimes inconsistent cash flow might find The Plum Card® from American Express  a perfect fit. Pay early and get a discount, or enjoy up to 60 days without interest. Terms apply. There's a substantial annual fee, but if you're using the card for, say, big inventory purchases, the benefits could far outweigh the costs. Read our review.

Other cards issued by American Express

American Express issues branded credit cards in partnership with airlines, hotels and others. Learn more about these cards by reading the reviews linked below:

Delta Air Lines credit cards

Delta SkyMiles® Blue American Express Card

Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Platinum American Express Card

Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Hilton Hotels credit cards

Hilton Honors American Express Card

Hilton Honors American Express Surpass® Card

The Hilton Honors American Express Business Card

Hilton Honors American Express Aspire Card

Other credit cards

Amazon Business Prime American Express Card

Amazon Business American Express Card

Marriott Bonvoy Business® American Express® Card

OTHER RESOURCES

What is american express.

American Express is a financial services company that, within the credit cards industry, operates both as a card issuer and as a payment processing network:

As an issuer , it provides credit cards to consumers and businesses and manages those card accounts. In this way, it's like Chase, Citi or your local bank or credit union.

As a payment network , it facilitates transactions among merchants, credit card issuers and banks. In this way, it's like Visa or Mastercard.

Several banks offer credit cards that operate on the American Express payment network, but these cards are not issued by American Express itself. You can use them anywhere that accepts AmEx, but their rewards, perks, fees and rates are dictated by the card issuer, not American Express. Those cards are not included on this page.

Examples include the U.S. Bank Cash 365™ American Express® Card and the USAA® Rewards™ American Express® Card

Where is American Express accepted?

American Express is accepted by more than 99% of U.S. merchants, according to a February 2020 survey from the Nilson Report, which covers the payments industry. American Express is also accepted by more than 66 million businesses worldwide.

For years, AmEx lagged Visa, Mastercard and Discover in acceptance, mostly because it charged higher fees to process transactions. AmEx has essentially closed that gap with programs that make it easier for smaller merchants to take its cards. Even so, there are still some merchants that accept other credit cards but not American Express.

What credit score do you need to get an American Express card?

American Express cards typically require good to excellent credit to qualify, which can be generally defined as a credit score of 690 or higher. But credit scores aren't the only factor in approval decisions; others include your income, outstanding debts and the number of American Express cards you currently have.

Newcomers to the country who don't have a U.S. credit history may be able to qualify for an American Express card through Nova Credit , a financial technology company that makes it possible for immigrants to use their credit history from qualifying countries.

What are the interest rates on American Express cards?

American Express credit cards typically charge a range of interest rates. The exact rate on your account will be determined based on several factors when you apply. Typically with credit cards, the better your credit, the lower the rate you may be able to qualify for. Credit card interest rates are usually tied to the prime rate, which is the interest rate that banks charge their biggest customers. When the prime rate goes up, credit card interest rates increase with it.

You can avoid finance charges entirely by paying off your credit card bill in full and on time every month. Doing so gives you a recurring grace period , in which interest never accrues on your purchases.

Some American Express cards, such as The Platinum Card® from American Express and the American Express® Gold Card , were historically charge cards that were designed to be paid in full every month. Now, however, you can use them more like credit cards with their Pay Over Time feature .

Finally, some American Express cards offer a 0% introductory APR period, which gives you. a year or more without interest on purchases, balance transfers or both. These cards include the Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card .

What credit limit can I get with an American Express card?

With any kind of credit card, your credit limit will depend on factors such as your credit score, payment history, income, credit utilization and large recurring expenses such as rent. Issuers take these factors into account when determining your credit limit, and they also consider macroeconomic factors like the state of the economy. In an unstable economy, it’s not uncommon to see issuers be more conservative with’ credit limits.

Several American Express cards do not have a hard credit limit, or what the issuer refers to as a "preset spending limit." These include the issuer's Platinum-, Gold- and Green-branded cards. "No preset spending limit" doesn't mean your credit is unlimited, however. According to the issuer, "the amount you can spend adapts based on factors such as your purchase, payment and credit history."

What are the benefits of American Express cards?

Benefits of American Express cards include:

Rewards: All American Express consumer cards offer rewards in the form of cash back, Membership Rewards points, or points or miles in the loyalty programs of partner airlines or hotels. American Express cards also usually come with a "welcome offer" — an opportunity for new cardholders to earn a bonus by spending a certain amount in the first few months they have their card.

AmEx Offers: American Express cards can give you bonus rewards or discounts when you shop with certain merchants through offers that appear in your account. AmEx has a wide variety of merchant offers to choose from, and the offers are easy to activate.

Pay It and Plan It features : This option lets you pay for your purchases, big or small, one at a time and might help you save on interest.

An “apply with confidence” feature :  When you see this option for a card on AmEx's website, you can check your odds of approval before applying with no initial impact on your credit scores.

Can you combine points on American Express cards?

You can link eligible American Express cards so that the Membership Rewards points you earn can be combined. To ask about linking your cards, call the issuer at 800-668-2639. You cannot combine Membership Rewards points with rewards from co-branded credit cards issued by American Express, such as those for Delta Air Lines or Hilton Hotels.

Which American Express card is easiest to get?

American Express credit cards generally aren’t easy to get. You'll need good or excellent credit to qualify, which generally suggests a credit score of 690 or better. If you’re unsure as to whether you’re a good candidate for an American Express card, you can use AmEx’s "apply with confidence" option to find out if you’re eligible for some cards with no initial impact on your credit scores.

NerdWallet's Melissa Lambarena contributed to this article.

All information about the American Express® Green Card has been collected independently by NerdWallet. The American Express® Green Card is no longer available through NerdWallet.

To view rates and fees of the American Express® Gold Card , see this page .

To view rates and fees of The Platinum Card® from American Express , see this page .

All information about the American Express Cash Magnet® Card has been collected independently by NerdWallet. The  American Express Cash Magnet® Card is no longer available through NerdWallet. 

To view rates and fees of the Blue Cash Preferred® Card from American Express , see this page .

To view rates and fees of the Blue Cash Everyday® Card from American Express , see this page .

To view rates and fees of the Delta SkyMiles® Blue American Express Card , see this page .

To view rates and fees of the Delta SkyMiles® Gold American Express Card , see this page .

To view rates and fees of the Delta SkyMiles® Platinum American Express Card , see this page .

To view rates and fees of the Delta SkyMiles® Reserve American Express Card , see this page .

To view rates and fees of the Hilton Honors American Express Card , see this page .

To view rates and fees of the Hilton Honors American Express Surpass® Card , see this page .

All information about the Hilton Honors American Express Aspire Card has been collected independently by NerdWallet. The Hilton Honors American Express Aspire Card is no longer available through NerdWallet.

To view rates and fees of the Marriott Bonvoy Brilliant® American Express® Card , see this page .

All information about the Amex EveryDay® Credit Card has been collected independently by NerdWallet. The Amex EveryDay® Credit Card is no longer available through NerdWallet.

All information about The Amex EveryDay® Preferred Credit Card from American Express has been collected independently by NerdWallet. The Amex EveryDay® Preferred Credit Card from American Express is no longer available through NerdWallet.

All information about the Business Green Rewards Card from American Express has been collected independently by NerdWallet. The Business Green Rewards Card from American Express is no longer available through NerdWallet.

To view rates and fees of the American Express® Business Gold Card , see this page .

To view rates and fees of The Business Platinum Card® from American Express , see this page .

To view rates and fees of The Plum Card® from American Express , see this page .

To view rates and fees of The American Express Blue Business Cash™ Card , see this page .

To view rates and fees of The Blue Business® Plus Credit Card from American Express , see this page .

To view rates and fees of the Delta SkyMiles® Gold Business American Express Card , see this page .

To view rates and fees of the Delta SkyMiles® Platinum Business American Express Card , see this page .

To view rates and fees of the Delta SkyMiles® Reserve Business American Express Card , see this page .

To view rates and fees of the Marriott Bonvoy Business® American Express® Card , see this page .

To view rates and fees of The Hilton Honors American Express Business Card , see this page .

To view rates and fees of the Amazon Business Prime American Express Card , see this page .

To view rates and fees of the Amazon Business American Express Card , see this page .

Last updated on May 3 , 2024

Methodology

NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.

Frequently asked questions

No. There are several American Express cards with no annual fee , including cash-back cards, travel rewards cards, co-branded cards (offered in partnership with a brand or merchant), and small-business cards.

Depending on the American Express card in question, it may earn rewards in the form of:

Cash back (generally as a statement credit).

American Express Membership Rewards (flexible points that can be redeemed for a variety of different things, including travel).*

Airline miles (if the card is offered in partnership with an airline).

Hotel points (if the card is offered in partnership with a hotel chain).

*It's possible to earn Membership Rewards points in other ways aside from direct spending on an AmEx card.

American Express cards — especially travel rewards cards — may also come with a variety of benefits, credits and perks , depending on the card.

Yes. It can be difficult to get an American Express card because they usually require good to excellent credit. That generally means a credit score of 690 or higher, although credit scores aren't the only thing considered in card issuers' approval decisions.

American Express historically lagged behind Visa, Mastercard and Discover in acceptance among merchants because of the higher interchange fees it charged to process card transactions. AmEx is now accepted at more than 99% of merchants, according to industry data, but some places that take other credit cards still don't accept American Express.

American Express credit cards generally require good to excellent credit to qualify. Unlike some other card issuers, it does not have secured cards or other credit-builder options.

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Amex Gold vs. Chase Sapphire Preferred: Two of the best travel cards for everyday rewards

They might be two of the most lucrative travel credit cards available today, but there’s a clear divide between the American Express® Gold Card and the Chase Sapphire Preferred® Card .

If you’re looking for great rewards on both travel and your regular spending — along with a ton of redemption value — these cards are probably already at the top of your list. Before you apply, here’s everything you need to know about both the Amex Gold and Chase Sapphire Preferred, and how to decide which one is best for your travel goals .

American Express Gold Card overview

Annual fee : $250 ( see rates and fees )

Welcome offer : Earn 60,000 Membership Rewards points after spending $6,000 within the first six months

4x points at restaurants worldwide

4x points at U.S. supermarkets (up to $25,000 spent per year, then 1x)

3x points on flights booked directly with airlines or through AmexTravel.com

1x points on all other purchases

Why we like it : We like the Amex Gold for both frequent and occasional travelers who want to maximize everyday spending to save on future travel . With the highest rewards on dining and at supermarkets, you can easily rack up rewards at home — then cash them in for your next flight or vacation.

We also like the annual savings you’ll get to offset the annual fee. These include up to $120 in annual Uber Cash ($10 per month) when you connect your card to your Uber account, and up to $120 in annual dining statement credits ($10 per month, with enrollment) for spending at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Though Amex Gold does have a high $250 annual fee, these credits alone can get you a potential $240 each year.

American Express Gold Card pros

Annual credits : With up to $240 back in Uber Cash and annual dining statement credits each year, you can nearly outpace the Amex Gold card ’s annual fee before even accounting for rewards. Of course, these credits only add value if they give you money back on things you would have bought anyway. If you don’t typically use Uber for ridesharing or purchase from any of the eligible dining options, you may not get the full annual potential.

Transfer partners : One of the best ways to use your Amex points is by transferring them to a transfer partner loyalty program. Amex has more than 20 travel partners, including Air Canada Aeroplan, Delta SkyMiles, Emirates Skywards, Marriott Bonvoy, and Hilton Honors.

American Express Gold Card cons

High annual fee : Though it offers a lot in return, there’s no getting around the fact that Amex Gold has a steep annual fee. At $250 per year ( see rates and fees ), you’ll absolutely want to do the math on your spending and travel before you apply to make sure you’re getting enough out of your rewards and benefits to justify the cost.

Getting the most from your redemptions : Unlike some other rewards programs, different Membership Rewards redemption options carry different values. If you want to make the most of your Amex Gold points, you’ll generally want to use them to book flights through Amex Travel or transfer to partners. While there are other ways to get the full 1 cent per point value, many other travel redemptions (including hotels, rental cars, and vacation packages through Amex Travel) typically redeem at a lower rate .

Chase Sapphire Preferred Card overview

Annual fee : $95

Welcome offer : Earn 75,000 Chase Ultimate Rewards points after spending $4,000 within the first three months

5x points on travel through Chase Travel (not including hotel spending that counts toward your annual hotel credit)

3x points on dining

3x points on online grocery purchases (not including Target, Walmart, or wholesale clubs)

3x points on select streaming services

2x points on all other travel

Why we like it : While Chase Sapphire Preferred offers solid rewards in a number of categories, we like its redemptions even more. If you choose to redeem your points for travel through Chase Travel, you can get a 25% boost on the value, making each point effectively worth 1.25 cents. If you have 100,000 points to redeem, for example, you can get up to $1,250 toward your next Chase Travel booking.

You’ll also get up to $50 in statement credits annually for hotels you book through Chase Travel and an annual points bonus on your account anniversary, totaling 10% of your total purchase value over the prior year — and it all comes at a $95 annual fee.

Chase Sapphire Preferred pros

High-value redemptions : The Chase Sapphire Preferred ’s 25% redemption boost when you use points to book travel through Chase Travel is one of the card’s biggest benefits — and makes the rewards points among the most valuable you’ll find. If you don’t mind booking travel through the issuer’s portal, this can be a great way to get the most out of every point you earn.

Transfer partners : Like Amex, Chase has a long list of travel transfer partners you can redeem your points with. They include British Airways Executive Club, Flying Blue Air France KLM, JetBlue TrueBlue, United MileagePlus, Marriott Bonvoy, World of Hyatt, and more.

Chase Sapphire Preferred cons

Lack of annual credits/benefits : While you will get up to $50 back in statement credits when you book hotel stays through Chase Travel, it’s tough to match Amex Gold’s high-value credits. Compare your own spending before you apply to make sure you’ll get enough rewards value to offset the annual fee.

Not the highest rewards rates : This card can help you earn big rewards if your spending falls in line with rewards categories. But it does lag a bit behind the 4x rates offered by Amex Gold, as well as the wider-reaching rewards categories you’ll find on some other travel cards . Still, there’s plenty of opportunities to earn great rewards with the Sapphire Preferred.

Should you get the Amex Gold?

The Amex Gold everyday rewards categories and high-value annual credits make it one of the most rewarding travel credit cards available today — even with a higher annual fee.

To start, the 4x rewards rate on both dining at restaurants and at U.S. supermarkets (up to the annual limit) is one of the highest you’ll find among any rewards card . On top of that, the Uber Cash and dining statement credits can help you earn back nearly the entire annual fee each year. Even when you’re not traveling, these can be useful for maintaining your card’s annual value.

But when you also factor in travel rewards and credits, you can potentially far exceed the cost. This includes 3x points on airfare spending through Amex Travel or the airline, and up to $100 in experience credits for eligible Hotel Collection stays you book through Amex Travel.

One thing you should think about before getting the American Express Gold Card is how you’ll redeem your rewards. You’ll get the best Membership Rewards program redemptions when you use them to book flights through Amex Travel. There are some other high-value redemptions, but hotel and rental car redemptions, for example, generally get 0.7 cents per point value compared to a full 1 cent per point for flights.

Should you get the Chase Sapphire Preferred?

We think nearly anyone who wants major travel value for a relatively low annual fee could benefit from Chase Sapphire Preferred .

The 25% boost on redemptions may just be the best reason to choose this card, as long as you don’t mind booking your travel through the Chase Ultimate Rewards portal. Take the welcome bonus as an example. You can redeem those 75,000 bonus points for more than $900 in travel expenses.

And at just $95 per year, it’s not difficult to earn back the annual fee amount in rewards value even if you only travel a few times per year.

Depending on how much you spend, you can also get a significant boost with the 10% bonus on every account anniversary. For example, say you charge an average of $1,200 per month to your card, or $14,400 per year. That would make your 10% bonus worth 1,440 additional Ultimate Rewards points — on top of what you’ve already earned for the year. While that’s not a huge amount of points in itself, the amount adds up year after year.

Should you get both cards?

For most cardholders, there’s little reason to open both the American Express Gold Card and the Chase Sapphire Preferred Card . They have relatively similar reward structures, and neither offers extra benefits like lounge access, elite status, or other huge annual discounts that could justify the extra cost of owning both.

Instead, consider which of these cards makes the most sense for how you spend. Take groceries, for example — for many Americans, it’s one of the most consistently high monthly expenses. If you don’t already have a grocery rewards card but you do spend a lot of money at your local supermarket, the Amex Gold offers one of the highest rates among any rewards credit card today. But maybe you already have a card for grocery rewards, or you prefer your groceries through an online service. Then, you’ll probably get much more value from the Chase Sapphire Preferred.

How you travel can also be a big deciding factor between these cards — including which travel brands you prefer. If you always fly with Delta and you’re a Hilton Honors member, you’ll probably benefit more from Amex’s travel partners. But if, instead, you live near a United Airlines hub and World of Hyatt is your choice loyalty program, you’ll want access to the Chase Ultimate Rewards transfer partners.

With either of these cards — or any other travel rewards credit card — it’s most important to keep track of your spending and make sure you don’t overspend only to earn rewards or take advantage of benefits. These cards carry very high APRs that can lead to lasting debt balances if you can’t pay in full.

Other cards to consider

Depending on what exactly you’re looking for in a new travel card , here are a few more we like:

If you want to simplify travel rewards: Capital One Venture Rewards Credit Card

Why we like it : Capital One Venture is another travel credit card with great rewards potential. It has a $99 annual fee, and you can earn a 75,000-point bonus after spending $4,000 within the first three months. Ongoing rewards are simple: Earn 5x miles on hotels and rental cars you book through Capital One Travel and 2x miles on all other purchases.

Capital One Venture card redemptions are easy, too. You can use your miles to book future travel through Capital One Travel or put them toward any travel purchases charged to your card. Capital One also has a list of 18 airline and hotel partners you can transfer your miles to, often at a 1:1 ratio.

If you want premium travel perks: The Platinum Card® from American Express

Why we like it : If the above cards lack the added benefits you want for a premium experience every time you travel, the Platinum Card from Amex may be more your speed. After you’re approved, you can earn 80,000 bonus points after spending $8,000 within the first six months. Rewards include 5x points on flights booked directly with airlines or through Amex Travel (up to $500,000 spent per year), 5x points on prepaid hotels booked through Amex Travel, and 1x points on all other purchases.

The Platinum Card does carry a whopping $695 annual fee ( see rates and fees ), though frequent travelers may earn that back with the long list of benefits and credits. Here are just a few: up to $200 back in annual statement credits for eligible prepaid Amex Travel hotel bookings, up to $200 in statement credits for airline fee charges each calendar year with your chosen airline, up to $200 Uber Cash annually ($15 each month plus a bonus $20 in December), up to $189 in statement credits for CLEAR Plus membership, and many more.

If you want to combine cash back and travel: Chase Freedom Unlimited®

Why we like it : Chase Freedom Unlimited is a cash-back credit card , but it earns rewards that you can redeem for travel through Chase Travel (in addition to cash back). There’s no annual fee with this card, and it has an introductory 0% APR on new purchases and balance transfers.

These are all the Chase Freedom Unlimited rewards categories: 5% cash back on travel purchased through Chase Travel, 3% cash back on dining, 3% cash back at drugstores, and 1.5% cash back on all other purchases. But for the first year, you’ll get even more. This card’s welcome offer increases your rewards earned by 1.5% across all categories, up to $20,000 spent in the first year. Instead of 3% on dining, for example, you can get 4.5% back during this period. If you’re able to max out the $20,000 cap, that’s up to $300 in extra rewards.

This article was edited by Rebecca McCracken

Editorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information. This site doesn't include all currently available offers.

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Is the Delta SkyMiles Blue card worth it? 

Delta skymiles blue card rewards, delta skymiles blue card benefits, delta blue card fees, rates & limit, how the delta blue card compares, is the delta skymiles blue card right for me, how do i apply for the delta blue card, faq: delta skymiles blue card.

Delta SkyMiles Blue Credit Card: Good for Occasional Delta Flyers

Elizabeth Smith

  • The Delta SkyMiles® Blue American Express Card is a simple travel rewards credit card that earns miles for every qualifying purchase.
  • What we think: The Delta SkyMiles Blue card is not nearly as perk-heavy as other Delta cards, but if paying an annual fee for an airline credit card isn’t something you want to do, this is a decent option. However, if you fly frequently, you’ll certainly find more value in a higher-tier card.
  • If you spend $1,000 in six months after opening the account, you’ll earn a welcome bonus of 10,000 SkyMiles. 
  • The Delta SkyMiles Blue card has no annual fee or foreign transaction fees ( see rates and fees ).
  • Restaurant orders, including takeout and delivery in the U.S., earn 2 miles per dollar.

If you’re not a regular traveler, it can be hard to get enough value from a premium travel credit card to justify the annual fee. That’s where the Delta SkyMiles® Blue American Express Card comes in — this card gives you the opportunity to earn SkyMiles without paying an annual fee.

In this guide, we’ll explain everything you need to understand about this Delta card from American Express , including:

  • How to earn and redeem Delta SkyMiles rewards
  • Cardholder benefits
  • Fees and interest rates
  • No annual fee
  • 20% in-flight savings
  • Easy-to-earn welcome bonus
  • Low earning rate
  • No free checked bags
  • No priority boarding

Delta SkyMiles® Blue American Express Card

If you’re loyal to Delta but don’t travel frequently, the Delta SkyMiles® Blue American Express Card could be a good option. 

It offers an easy way to earn SkyMiles on your everyday purchases, so you can save money on flights in the future — and you don’t need to pay an annual fee. Plus, you’ll get a few perks that come in handy on vacation and in real life, including car rental insurance and purchase protection.

Pros and cons of the Delta SkyMiles Blue card

  • Solid welcome offer
  • Straightforward SkyMiles earnings tiers
  • Discount on Delta in-flight purchases
  • No intro APR offer

Learn more about Delta SkyMiles Blue card

Terms apply / Rates & fees

The Delta SkyMiles Blue card from American Express is a co-branded card; instead of points, it earns Delta SkyMiles. That’s a great perk, especially if you tend to fly Delta more than other airlines.

Welcome bonus

If you spend up to $1,000 in the first six months of having the Delta SkyMiles Blue card, you’ll earn a welcome bonus of 10,000 miles. Only purchases of goods and services count toward this spending threshold; fees and interest charges, prepaid card purchases and gift cards do not.

Keep in mind that American Express may decide you’re not eligible for this welcome offer if you’ve ever had one of the following cards:

  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Reserve American Express Card

Earn Delta SkyMiles Blue rewards

The most exciting aspect of this SkyMiles credit card is, of course, the rewards. There are three easy-to-understand earnings tiers. You’ll earn 2 Delta SkyMiles per dollar for every purchase you make at restaurants and directly with the airline. For all other eligible purchases, you’ll earn 1 mile for every dollar you spend. If you’re a Delta flyer, it’s relatively easy to accrue miles — a $500 flight earns 1,000 SkyMiles.

Redeem Delta Blue rewards

Delta and American Express offer a variety of ways to redeem the SkyMiles you earn with your Amex Delta Blue card. One of the most popular is the Pay with Miles option. When you book a flight on Delta, you can redeem miles to pay for part or all of the flight. Every 5,000 miles gives you up to $50 off the cost, which is a maximum value of 1 cent per mile.

However, it’s important to note that you can only redeem blocks of 5,000 miles. If your flight isn’t an exact multiple of $50, you’ll lose a bit of value. To pay for a $175 flight entirely with rewards, you’ll need to redeem 20,000 miles.

Can’t fly with Delta? You can also use SkyMiles to book SkyTeam Alliance flights. Member airlines include KLM, AirFrance, AeroMexico, Virgin Atlantic and Korean Air.

Other ways to redeem your Amex Delta SkyMiles rewards include:

Once you book a flight on Delta, use your SkyMiles to purchase an upgrade or select a preferred seat.

Checked bags:

Use miles to cover the fees for standard checked bags. This option is only available at a few airports in the United States.

Hotel stays:

With Delta Stays, you can use SkyMiles to pay for hotels.

Charity donations:

Don’t need your miles? Donate them to charity through Delta, and they’ll go to organizations that help children, veterans and natural disaster victims, among others.

Delta Vacations:

Make a booking through Delta Vacations, and you can use miles to pay for some or all of the cost.

Magazine subscription:

Choose from a wide variety of magazines, including Better Homes & Gardens and InStyle.

Premium drinks in Delta Sky Club lounges:

There’s no need to shell out for an expensive gin fizz the next time you’re in a Sky Club; just use your miles to cover the cost.

Delta Sky Club lounge memberships:

If you’re a SkyMiles Medallion Member, you can use your SkyMiles to buy lounge memberships. An individual annual membership is 69,500 miles, which is a value of $659.

Delta SkyMiles Experiences:

Get access to one-of-a-kind experiences, ranging from special chef dinners to VIP seating at sporting events — then pay for them with miles.

SkyMiles aren’t the only perk you get with a Delta Blue card from American Express. Your card also entitles you to a variety of benefits you can use while traveling or going about your life.

Travel benefits

Taking a trip? Make sure you’re taking advantage of these Delta SkyMiles card benefits:

  • Car rental insurance:  With the Delta SkyMiles Blue card, you don’t need to worry if your rental car is damaged or stolen. As long as you book and pay for it with your card — not with miles — you’ll be covered for up to $50,000.
  • In-flight savings:  Pay for food and drinks with your Blue card on a Delta flight, and you’ll automatically get a statement credit that equals a 20% discount.
  • Global Assist Hotline: In trouble on the road? The Global Assist Hotline can help you access a range of services, including referrals for medical or legal assistance. It can even wire you cash if you can’t access it otherwise.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Shopping and entertainment benefits

If you love to shop and seek out entertainment experiences, these Delta SkyMiles Blue card benefits may save you money:

  • ShopRunner membership:  Your Delta SkyMiles Blue card entitles you to free two-day shipping if you enroll in a ShopRunner subscription.
  • Amex Offers:  Use your Delta Blue card to enroll in Amex Offers, and you can earn extra SkyMiles on certain deals.
  • American Express Experiences: Get access to exclusive tickets for events, including concerts and sporting events; these deals are available only to American Express cardholders.
  • Send & Split: This special feature allows you to split payments with friends who use PayPal or Venmo — without ever logging into either platform. You can manage the split right in the American Express app.

Protections and assistance

If you love to shop, these Delta SkyMiles Blue card benefits can help you save:

  • Purchase protection:  When you make a purchase with your Delta Blue card, American Express will reimburse you if it’s damaged or stolen in the first 90 days of ownership. That means if your brand-new laptop is stolen, you can get your money back — coverage includes up to $10,000 per item.
  • Extended warranty: Get an extra year of warranty protection on eligible purchases with manufacturer’s warranties of up to five years. If you need to make a claim against the extended warranty, you can get up to $10,000 per item and $50,000 per card per year.

Before you make a final decision on the Delta Blue Amex card, make sure to consider the fees and interest rates ( see rates and fees ).

Delta SkyMiles Blue fees

When it comes to fees, the Delta SkyMiles Blue American Express card offers a good deal — you won’t pay an annual fee or foreign transaction fees.

Here are the card’s standard fees:

  • Annual fee: $0
  • Foreign transaction fee: $0
  • Balance transfer fee: N/A
  • Cash advance fee: The greater of $10 or 5% of the transfer
  • Late or returned payment fee: Up to $40

Delta SkyMiles Blue card interest rates

Your Delta Blue card from American Express includes a variable annual percentage rate (APR) of 20.99% to 29.99%. American Express will determine your APR based on your application and credit profile.

Here’s a look at variable APRs available at Delta SkyMiles Blue card:

If you make a late payment or if your bank returns a payment, American Express is within its rights to switch you to a penalty APR of 29.99%. It may not, depending on your creditworthiness and account history. After you’re hit with the penalty, this APR will stay for a minimum of six months.

Delta SkyMiles Blue credit limit

If American Express approves you for the Delta SkyMiles Blue card, your credit limit will be assigned based on a range of factors. This might include your income, credit history, credit score, debt and other factors the issuer decides are relevant. Most cardholders have a limit of at least $1,000; yours may be considerably higher.

Compared to other Delta airlines cards , the Delta Amex Blue card is a pared-down option.

Although it earns miles and offers a few perks, it doesn’t include benefits that are standard on other cards — namely, free checked bags. If you travel frequently, you’re probably better off getting a different card; the lack of bag fees alone will likely make up for the annual fee. If not, this card is a solid option; it’s a basic airline credit card with no annual fee.

Delta SkyMiles® Blue American Express Card vs. Delta SkyMiles® Reserve American Express Card

American Express issues both the Delta SkyMiles Blue and Delta SkyMiles® Reserve American Express Card , but they sit at opposite ends of the travel card spectrum. While the Delta Blue is a no annual fee card , the Reserve will run you a whopping $650 per year ( see rates and fees ). 

The Reserve is geared toward frequent travelers — it comes with $2,500 Delta Medallion Qualification Dollars per year, free access to Delta Sky Clubs, a free round-trip companion certificate each year, and more. The Blue card, on the other hand, is intended for occasional travelers who are Delta-loyal.

Read our full Delta SkyMiles Reserve card review

Delta SkyMiles® Blue American Express Card vs. Delta SkyMiles® Gold American Express Card

The Delta SkyMiles® Gold American Express Card falls somewhere between the Blue and the Reserve cards. It has a $150 annual fee after the first year ( see rates and fees ). For that, you get a free checked bag, priority boarding, a $100 credit to Delta Stays and a $200 Delta flight credit after you spend at least $10,000 in a year. Plus, you’ll earn 2 SkyMiles for every dollar spent, compared to the 1 mile per dollar with the Blue card. 

If you’re a somewhat regular traveler but not quite ready for a luxury card, the Gold card is better than the Blue — it only takes five flights to make up for the annual fee in checked bag fees alone.

Read our full Delta SkyMiles Gold card review

Delta SkyMiles® Blue American Express Card vs. Capital One VentureOne Rewards Credit Card

The Capital One VentureOne Rewards Credit Card is a general travel credit card; instead of SkyMiles, it earns points that you can redeem for travel. You’ll need excellent credit to be approved for this Capital One card , compared to the good credit that’s required for the Delta SkyMiles American Express card.

Both cards eliminate foreign transaction fees, but the VentureOne is accepted in more places around the world — an important consideration if you plan to travel internationally.

Read our full Capital One VentureOne card review

You might choose the Delta SkyMiles Blue Card if you’re a Delta fan and you’re searching for a basic rewards credit card .

It’s an effective way to earn SkyMiles on your everyday purchases — and with no annual fee, you don’t have to worry about getting your money’s worth in perks. As long as you can spend an average of $167 per month in the first six months, you’ll earn a 10,000-mile welcome bonus.

If you don’t travel often, one of these general rewards cards may suit you better:  

  • Amex Blue Cash Preferred card
  • Capital One Venture X Rewards card
  • Chase Sapphire Preferred card

You can learn more about the Delta SkyMiles® Blue American Express Card and apply online. 

To get approved for the Delta Blue card, you’ll need good to excellent credit . 

While American Express doesn’t give a credit score requirement, this usually means 690 FICO score or higher. When you apply, expect to provide your employment information and financial details.

What credit score do you need for Delta SkyMiles Blue American Express card?

There are no hard and fast credit score rules for the Delta SkyMiles Blue card, but you will likely need a minimum score of 690 to get approved. The decision will take into account factors that might include your score, credit history and income.

Is the Delta SkyMiles Blue credit card good?

The Delta SkyMiles Blue credit card is good if you’re a loyal Delta flyer and you want to earn SkyMiles. It doesn’t offer many perks, but it comes with a $0 annual fee.

Do you get a free checked bag with the Delta SkyMiles Blue card?

No, you don’t get a free checked bag with the Delta SkyMiles Blue card.

What is the credit limit for the Delta SkyMiles Blue American Express Card?

The credit limit for the Delta Blue card from American Express varies based on your qualifications.

What are the benefits of Delta Blue Card?

The Delta Blue Card comes with benefits that include rental car insurance, purchase protection, extended warranty coverage and access to American Express experiences and offers.

Elizabeth Smith

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

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10 things to do when you get the Amex Platinum

Benét J. Wilson

Editor's Note

The Platinum Card® from American Express is one of the best premium rewards cards on the market thanks to its extensive benefits, from lounge access to monthly statement credits. These perks come at a cost, though — the card's annual fee is $695 (see rates and fees ), making it one of the most expensive consumer cards to carry.

If that has you second-guessing whether or not to get the Amex Platinum Card, remember that the potential value of its many benefits can far outweigh that fee if you take full advantage of them.

american express travel black card

If you open the Amex Platinum Card or already carry it, here are the 10 best ways to take advantage of all of its perks .

Use the $200 hotel credit

american express travel black card

One of the principal benefits of the Amex Platinum is the up-to-$200 annual statement credit on prepaid Fine Hotels + Resorts or The Hotel Collection bookings (the latter has a minimum two-night stay, enrollment is required). The FHR program gets you the following perks:

  • Room upgrade upon arrival, when available at check-in
  • Daily breakfast for two people
  • Guaranteed 4 p.m. late checkout and noon check-in, when available
  • An experience credit that usually consists of a property, dining or spa credit
  • You'll receive a daily credit when a property includes Wi-Fi in a mandatory resort fee

The Hotel Collection's perks include a room upgrade at check-in when available, up to a $100 hotel credit for qualifying dining, spa and resort activities, and the ability to use Pay with Points on prepaid bookings.

Register for your annual airline fee credit

american express travel black card

You'll get an annual up-to-$200 airline fee statement credit for the airline of your choice. Select your desired airline on the Amex website before making a purchase, and you'll get to use the credit for fees such as lounge passes, seat assignments, onboard snacks and checked bags.

Note that the airline credit won't apply for new reservations or taxes and fees on award bookings. Enrollment is required.

Since you only get to pick one airline annually, we recommend choosing one with which you don't already hold elite status. An airline you often fly — but not enough to have elite status — will be a strong contender.

Apply for your Priority Pass membership card

american express travel black card

One of the greatest travel perks of the Amex Platinum is its unparalleled lounge access — the best on any premium card available. Here are the lounges that participate in the Amex Global Lounge Collection (enrollment is required):

  • Amex Centurion Lounges
  • Priority Pass Lounges (request your membership card here )
  • Delta Sky Clubs (when flying on Delta the same day)*
  • Airspace Lounges
  • Escape Lounges
  • Plaza Premium Lounges

*Effective February 1, 2025: Eligible Platinum Card Members will receive 10 Visits per Eligible Platinum Card per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight.

Add your card to your Uber wallet

american express travel black card

Amex Platinum cardholders get up to $15 in Uber Cash each month, plus an additional up to $20 in December. While Uber Cash doesn't roll over month to month, that adds up to $200 in Uber Cash each calendar year (for U.S. services). Enrollment is required.

To get your Uber Cash, you need to link your card(s) to your Uber account. To do this, head to your wallet on the Uber app and add your card as a payment method.

Apply for Global Entry and TSA Precheck

american express travel black card

When you enroll in these trusted traveler programs with your Amex Platinum Card , you'll get a statement credit for up to $100 to your account to cover the application cost (and again upon renewal) once every four years for Global Entry and up to $85 every 4.5 years for TSA PreCheck.

Sign up for Clear plus

american express travel black card

The Amex Platinum also offers a statement credit for a Clear Plus membership , normally costing $189 annually.

Clear Plus has a separate line to handle travelers' identity verification and security screening via a fingerprint or iris scan. Once approved, you're escorted by a Clear Plus employee to the head of the TSA PreCheck line (or regular security line if you don't have PreCheck) to an agent for final approval.

As TSA checkpoint lines continue to lengthen, having both Clear and TSA PreCheck can save you a lot of time at the airport. Enrollment required.

Request hotel elite status

Another perk that comes with being an Amex Platinum cardholder is being eligible for Gold status with both the Hilton Honors and Marriott Bonvoy loyalty programs.

american express travel black card

These programs give you perks such as bonus points and potential room upgrades. You can enroll for these on the Amex website .

Sign up for car rental elite status

Elite status can sometimes be the difference between being able to reserve a vehicle or not, depending on where you're trying to rent.

american express travel black card

In addition to hotel elite status, carrying the Amex Platinum means you are also eligible for status with the following car rental programs (enrollment is required):

  • Avis Preferred Plus
  • Hertz Gold Plus Rewards President's Circle
  • National Car Rental Emerald Club Executive

You can enroll for each program on the Amex website .

Sign up for a Walmart+ membership

The Amex Platinum also offers an annual up-to-$155 Walmart+ statement credit , which covers the entire cost of a Walmart+ membership ($12.95 plus applicable sales tax) each month; Plus Ups are excluded.

american express travel black card

Just charge the membership fee to your card and you'll receive a statement credit each month (subject to auto-renewal).

If you live near a Walmart store, this membership will get you free delivery from that store as quickly as the same day on orders of $35 or more, plus steep discounts on prescriptions. You can also save 5 cents per gallon at Walmart and Murphy gas stations and access member pricing at Sam's Club fuel centers — a great perk with fuel costs steadily rising .

Even if you're not a frequent in-store Walmart shopper, you'll enjoy free next-day and two-day shipping on eligible items from Walmart.com with no minimum purchase required.

Consider these other small-but-mighty benefits

While we've outlined nine of our favorite benefits from the Amex Platinum, there are plenty of other enticing perks worth looking into:

american express travel black card

Scoop up your digital entertainment credits

The Amex Platinum offers an up-to-$240 digital entertainment statement credit , broken down to up to $20 in monthly statement credits when you pay for participating subscription services. They include The New York Times, Peacock, Disney+, Hulu, ESPN+, the Disney Bundle and The Wall Street Journal. Enrollment is required.

Treat yourself with an annual up-to $100 statement credit for Saks Fifth Avenue

This Saks Fifth Avenue benefit is broken down to up to $50 in statement credits from January through June and up to $50 from July through December. Enrollment is required.

Fitness lovers, grab this annual $300 statement credit for Equinox

This Equinox credit applies to monthly Equinox All Access, Destination and E by Equinox membership fees as well as for the Equinox+ fitness app. Enrollment is required.

Want an at-home fitness bike? Get a $300 SoulCycle statement credit

If you're in the market for an at-home bike, you can get up to a $300 statement credit when you purchase a SoulCycle bike . While it's unlikely that you would ever buy more than one bike, this statement credit is applicable to up to 15 bikes per year.

You must have an Equinox+ membership to purchase a SoulCycle bike. Enrollment is required.

Add up to three authorized users

You can add authorized users to your Platinum Card for a total of $195 each per year (see rates and fees ), which can really help you maximize the value you're already getting from being a cardholder. Authorized users are eligible for many of the same benefits as the main accountholder, including lounge access, Global Entry/TSA PreCheck reimbursement, hotel elite status and Fine Hotels + Resorts benefits.

However, authorized users don't get their own Uber credit or separate airline incidental credits. Enrollment required for some benefits.

Not just Amazon: Get free two-day shipping at thousands of stores with ShopRunner

You'll get free two-day shipping and free return shipping when you pay for eligible items with your Amex Platinum at participating online stores through the ShopRunner program. You can enroll for the service here .

Bottom line

Yes, the Amex Platinum is not a cheap card to have. But after you take a deep dive into all of the card's benefits, the annual fee may feel less intimidating.

If you can maximize every statement credit on the Amex Platinum, you're looking at a value of easily more than $1,400 annually. Even if you can't use every credit on the card, accessing the Amex Global Lounge Collection alone is key for frequent travelers.

Apply here: The Platinum Card from American Express with 80,000 points after you spend $8,000 on purchases in the first six months of card membership or check the CardMatch tool to see if you're targeted for an up to 125,000 Platinum Card offer. Offers are subject to change at any time.

For rates and fees of the Amex Platinum Card, click here .

american express travel black card

7 Best Hotel Credit Cards of 2024

Money.com has partnered with CardRatings.com for our coverage of credit card products. Money and CardRatings may receive a commission from card issuers. Our site does not include all card companies or all available card offers.

Whether on vacation or business, hotels can make or break your travel experience — and your budget as well.

Hotel credit cards can help alleviate some of that cost, or simply make your stay a lot more comfortable and enjoyable thanks to the many benefits they offer.

Here, we picked some of the best hotel credit cards from a variety of hotel chains that can reward frequent travelers and occasional vacationers alike.

Our Top Picks for Best Hotel Credit Cards of 2024

  • Hilton Honors American Express Aspire Card — Best for Luxury Travel
  • Hilton Honors American Express Card — Best No Annual Fee
  • IHG One Rewards Premier Credit Card —Best Overall Value
  • Marriott Bonvoy Brilliant® American Express® Card — Best for International Travel
  • Marriott Bonvoy Business® American Express® Card — Best for Business
  • Wyndham Rewards Earner® Business Card — Best for Small Businesses
  • Wyndham Rewards Earner® Plus Card — Best for Budget Travel

Other Hotel Credit Cards We Considered

Best hotel credit cards reviews.

The companies in our top picks are listed in alphabetical order.

  • High 14x points reward rate at Hilton properties
  • $200 in flight credits (up to $50 each quarter) on qualifying airfare purchases
  • Annual free night
  • No TSA PreCheck or Global Entry statement credit

Terms apply. Please click here for applicable rates and fees.

Why we chose it: Hilton Honors American Express Aspire Card delivers on all fronts, from high point earnings to valuable statement credits, all for a very competitive annual fee in the luxury category.

The Hilton portfolio is one of the largest and most recognized in the world. The Hilton Honors American Express Aspire Card offers very high rewards for many different categories. This includes 14x points on Hilton purchases, the highest among the cards we researched. It also offers a high 7x points on select travel and U.S. restaurants.

Points aren’t the only way to save, though, as the card offers a variety of statement credits. Cardholders can get up to $400 in statement credits for their expenses at participating Hilton resorts, a $200 flight credit for qualifying flight purchases (divided into $50 each quarter) and a $100 property statement credit when booking a minimum two-night stay at Waldorf Astoria Hotel & Resorts or Conrad Hotel & Resorts. (Terms apply.)

There’s also a large amount of insurance coverage, including trip cancellation and delay insurance, baggage insurance plan and car rental loss and damage insurance*.

All information about the Hilton Honors American Express Aspire Card has been collected independently by Money.com

  • 7x Hilton Honors Bonus points at the Hilton
  • 5x points at U.S. supermarkets, U.S. restaurants and U.S. gas stations
  • Car rental loss and damage insurance*
  • No annual free night
  • No trip cancellation/delay insurance

Why we chose it: The Hilton Honors™ Card by American Express’ high rewards on hotel spending as well as everyday categories make it one of the best options for consumers looking for a no-annual-fee hotel card. (Terms apply.)

The no-annual-fee card_name offers 7X Hilton Honors Bonus Points on eligible purchases made with your card at Hilton portfolio hotels and resorts. It also offers 5x on everyday categories like U.S. supermarkets, U.S. restaurants and U.S. gas stations, which makes earning free nights and other perks a lot easier than many of its competitors.

Cardmembers get automatic Hilton Honors™ Silver Status with the card, which earns you 12x additional points per dollar. After spending $20,000 in a calendar year, the card also offers a bump up to Hilton Honors™ Gold Status, which earns 18x points per dollar, totaling 25x Hilton Honors bonus points per dollar when using the card at Hilton hotels.

The card also offers purchase protection, extended warranty and car rental loss and damage insurance*. Unfortunately, it doesn’t provide flight or baggage insurance.

  • Anniversary free night
  • Low $99 annual fee
  • TSA PreCheck(R), Global Entry or NEXUS statement credit every four years
  • 5x points on travel, dining and gas
  • No rental insurance

Why we chose it: The card_name offers some of the best rewards in its class, including an annual free night, a TSA PreCheck® statement credit every four years and 10x on IHG® purchases.

The IHG One Rewards Premier Credit Card has some of the best rewards and perks available among cards with annual fees in the $100 range.

This includes 10x points for purchases made at IHG® properties, which include well-known hotels such as the Regent, Intercontinental® Hotels and the Holiday Inn®, as well as lower cost options like Hotel Indigo® and Candlewood Suites®. In addition, cardholders get 10x points for being a hotel member and 6x bonus points for being a Platinum member, a status that’s granted automatically upon card approval.

Beyond the 10x points on hotel purchases, the IHG One Rewards Premier Credit Card offers 5x points on travel, dining and gas, providing big opportunities to accumulate points toward stays, room upgrades and more.

Like other cards on this list, it also offers a free night every year and a statement credit for TSA PreCheck®, Global Entry or NEXUS of up to $100 every four years, a unique benefit in this class.

The card also has a pretty broad suite of insurance coverage, including purchase protection, baggage delay insurance, lost baggage reimbursement and trip cancellation/delay insurance. It lacks any sort of rental insurance, however, which could be a bummer if vacations include a roadtrip.

  • $300 Brilliant Dining Credit: up to $25 per month for eligible purchases at restaurants worldwide
  • Global Entry or TSA PreCheck statement credit every four or four and half years
  • Marriott International has properties in the most countries out of any hotel chain
  • Airport lounge access with Priority Pass Select (enrollment is required)
  • Very expensive $650 annual fee

Why we chose it: Marriott Bonvoy Brilliant® American Express® Card has a wide array of insurance coverage*, along with high-value statement credits and perks that could make up for its high annual fee.

If you have a long list of countries you want to visit, then this Marriott hotel card might be of interest. Marriott International the most countries out of any other hotel chain, with nearly 8,000 properties in 131 countries.

This card also provides a $100 fee credit every four years for Global Entry when you pay for the application with the card_name , which makes returning to the U.S. much smoother. Cardholders also have the option of receiving a fee credit every four and a half years for TSA PreCheck® (up to $85 through a TSA PreCheck® official enrollment provider). Keep in mind that, if approved for Global Entry, you’ll also be approved for TSA PreCheck® at no additional charge.

The card_name offers 6x points at Marriott properties and a $100 luxury property credit for qualifying charges at luxury hotels The Ritz Carlton or St. Regis. You can also earn 3x Marriott Bonvoy points at restaurants worldwide and on flights booked directly with airlines, along with up to $300 in monthly $25 statement credits for eligible purchases at restaurants worldwide.

There’s also a long list of insurance coverage for your travels, such as trip cancellation and delay insurance, car rental loss and damage insurance and baggage insurance plans*, among others.

After spending $60,000 in a calendar year on the card, cardholders get an Earned Choice Award (only one per year). This can be in the form of five suite nights awards, each of which can be redeemed for a room upgrade, a free night valued up to 85,000 points or $1000 when purchasing a Marriott Boutique Bed for your home.

As other cards on this list, the card_name offers an annual free night at participating Marriott Bonvoy® hotels.

  • 4x points at restaurants worldwide and U.S. gas stations
  • 4x points on wireless phone services from U.S. providers and on U.S. shipping services
  • Free night award after each renewal month, plus additional free night after spending $60,000 in a calendar year
  • $125 annual fee is higher than most competitors
  • No flight cancellation/delay insurance

Why we chose it: The Marriott Bonvoy Business® American Express® Card offers the chance of two free nights each year and rewards business owners with 4x points on U.S. wireless phone and U.S. shipping services. (Terms apply).

The card_name offers 6x points at Marriott properties, as well as automatic Gold Elite Status.

In addition to points, Gold Status offers 25% more points than the regular member rate. Cardholders also get 15 Elite Night Credits each anniversary year, which helps reach the next step in the Marriott Bonvoy membership program (Note that you need 50 Elite Night Credits to reach Platinum Elite Status).

The card also offers 4x points for everyday spending and business-related transactions, such as worldwide restaurants, U.S. gas stations, and U.S. phone and shipping services.

When it comes to additional hotel perks, the Marriott Bonvoy Business® American Express® Card offers the usual annual free night reward, and a second free night after spending $60,000 in a calendar year. There’s also the Amex Business Card Rate, which is a 7% discount on eligible reservations as a benefit of being a Marriott Bonvoy® Member and a Marriott Bonvoy Business® American Express® Card Member when booked directly with Marriott. (Terms apply).

Insurance wise, purchase protection, extended warranty, baggage insurance plan and car rental loss and damage insurance* are included. Note, however, that it does not offer trip cancellation insurance.

  • Receive 7,500 point bonus each account anniversary
  • 6x points on gas
  • 4x points on dining and groceries
  • Automatic platinum level
  • No insurance coverage

Why we chose it: Wyndham Hotels & Resorts has one of the broadest range of budget options among hotel chains in the USA, and their Wyndham Rewards Earner® Plus Card has enough rewards to take full advantage of it.

While most hotel chains have a very broad range of options, not all have budget hotels widely available nationwide. Wyndham Hotels & Resorts does. With multiple low-cost options such as Days Inn, Microtel Inn & Suites, Travelodge, Super 8 and more all over the country, cardholders will, more often than not, find a budget option for their travels.

The Wyndham Rewards Earner® Plus Card will increase savings even further as it offers 6x points on Wyndham purchases, as well as on gas. In fact, gas expenses alone could earn over 7,500 points in a year, enough to redeem for a night at various Wyndham properties, which might make this card even more appealing for road trip enthusiasts. On top of that, it also offers 4x points on dining and grocery stores (excluding Walmart® and Target®), as well as 1x point on all other qualifying purchases.

There’s also a 7,500 point bonus each anniversary year, which might be enough for a free night since, as mentioned above, Wyndham has multiple properties with rooms that can go for as low as 7,500 points. If redeemed for a go free® nights cardholders get a 10% discount, leaving 750 points in your account to start saving for the next one. (Do note that rooms for 7,500 points are not available at all participating hotels, so make sure there are rooms at this price where you’re going or save up for a costlier stay.)

There’s also a Wyndham Rewards PLATINUM upgrade, which includes perks such as free Wi-Fi, early check-in (upon request), Avis® and Budget® complimentary rental upgrades, and more.

Unfortunately, the card does not offer insurance or protection beyond standard fraud liability protection, so make sure to have insurance when you get those free rental car upgrades.

All information about the Wyndham Rewards Earner® Plus Card has been collected independently by Money.com.

  • Annual 15,000 point bonus
  • 8x on qualifying gas purchases
  • 5x on marketing and select utilities
  • No statement credits
  • No travel-related insurance

Why we chose it: The Wyndham Rewards Earner® Business Card provides high rewards on both hotel purchases and business-related expenses for a modest annual fee, on top of a generous annual bonus that could be redeemed for up to two free nights.

This Wyndham card gives you 8x points at Wyndham, in addition to 12x points as a Diamond level member (automatic upon card approval) — this translates to 20x points per dollar when making eligible purchases at qualifying Wyndham properties.

The card is also roadtrip-friendly as it earns 8x points on gas, which is double what cards in its class offer, and still more than even the most premium cards. Making it even more convenient for cross country trips, Wyndham has the most properties in the U.S. of any hotel chain, and includes budget hotels such as Days Inn and Howard Johnson.

As far as business rewards go, you can earn 5x points on marketing and advertising, including most digital platforms like Google Ads and Facebooks, and on utilities, such as phones and electrical service.

Although it doesn’t offer an annual free night, the card does offer 15,000 bonus points each anniversary year. That can be redeemed for up to two nights, depending on the room cost (Wyndham rooms start at 7,500 points). Cardholders also get a 10% discount when redeeming points for go free® nights, a program that offers nights at a fixed points value, which could be 7,500, 15,000 or 30,000 depending on the hotel.

Unfortunately, there are no insurance policies other than cell phone protection and the standard fraud liability protection, which is this card’s biggest drawback. If you plan on traveling by plane a lot, consider other of our picks for a more comprehensive insurance package.

All information about the Wyndham Rewards Earner® Business Card has been collected independently by Money.com.

Best Western Rewards® Premium Mastercard®

  • 40,000x points when you spend $5,000 every 12 billing cycles
  • High 10x points in Best Western purchases
  • Early check-in and late check-out (based on availability)

This card offers up to 20x points when booking at a Best Western, 10x through the card itself and 10x for being a Best Western Rewards® member (the card also gives automatic Platinum status). In addition to these high rewards, cardholders get 40,000 points after spending $5,000 with the card every 12 billing cycles, a very low spending requirement compared to others. However, the rewards aren’t high enough to make up for its $89 annual fee.

All information about the Best Western Rewards® Premium Mastercard® has been collected independently by Money.com.

Marriott Bonvoy Boundless® Credit Card

  • One free night annually
  • $95 annual fee is low compared to competitors
  • 3x points on groceries, dining and gas up to $6,000 combined
  • Spending cap on rewards

This Marriott card by Chase is a great option if you value the Marriott brand, which has the largest hotel network in the world. It offers 6x points at the Marriott, which can become 17x points thanks to member rewards and the automatic Silver Elite Status.

All information about the Marriott Bonvoy Boundless® Credit Card has been collected independently by Money.com.

World of Hyatt Credit Card

  • Large suite of insurance coverage
  • Discoverist status automatic upgrade
  • Low reward rate
  • $95 annual fee is too much for what it offers

The World of Hyatt Credit Card by Chase shines due to its coverage, which includes baggage delay insurance, lost baggage reimbursement, trip cancellation/delay insurance, purchase protection and rental collision waiver. While this is a large plus, its rewards are lackluster, especially given the card’s $95 annual fee.

All information about the World of Hyatt Credit Card by Chase has been collected independently by Money.com.

Best Hotel Credit Cards Guide

How do hotel credit cards work, how to choose the best hotel credit card, how to maximize the value of your hotel credit card, how to redeem your hotel credit card rewards, latest news on hotel credit cards.

A hotel credit card is a co-branded card issued by a hotel line and a financial institution such as Chase Bank or American Express®. These cards usually provide high reward rates for booking stays, buying tickets for shows or merchandise at all the hotels under the brand’s umbrella. These rewards are in addition to the ones you’ll get as a loyalty member, as these cards will automatically grant you member status with the brand.

Overall, hotel credit cards work just like regular credit cards, meaning you’ll have a credit line for an established amount that you can use, and you have to make at least a minimum payment each billing cycle.

Reward structures are similar to regular credit cards too, you earn a certain amount of points, statement credits or other miscellaneous benefits depending on how much you spend and where.

Here are some of the difference on how rewards work:

  • Hotel credit cards offer more points than average credit cards do when you make eligible purchases at participating hotels, including at restaurants within hotel premises, gift shops and more.
  • Points are added to the ones you get as an elite status member of the hotel brand, a status that also comes automatically with card enrollment. This increases the points earned significantly.
  • Unfortunately, points tend to be limited to the particular brand instead of the issuer’s. For example, points earned through the IHG One Rewards Premier Credit Card, which is issued by Chase, can’t be used in the Chase Ultimate Rewards® portal.
  • Points have drastically more value when redeemed for hotel purchases such as hotel stays or room upgrades when compared to statement credits or gift cards, for example.

Hotel benefits

Some offer other such as a free night every year, free breakfast, special discounts, priority booking, early check-in and much more depending on the hotel and the type of card. These, of course, will depend largely on the type of annual fee the card charges.

There are roughly four tiers of annual fees when it comes to cards. These are, typically, no annual fee cards, budget or low cost ($50-$99), mid-range ($150-$300) and luxury or premium ($350+).

Pros and cons of hotel credit cards

Hotel credit cards are packed with perks, but whether a card is worth it for you will depend on many factors. Here are some pros and cons to consider:

  • Rewards at the hotel are very high and are added to rewards earned as a member
  • Many cards offer at least one free night annually
  • Hotel-related perks such as early check-in, free breakfast and room discounts
  • Usually offer travel benefits like rewards for buying tickets, travel-related insurance and more
  • Many of the major hotel brands have large networks of hotels for different budgets and locations
  • High reward rates are typically limited to purchases within the hotel brand, not everyday spending
  • Flight-related perks aren't as abundant as with more general travel cards
  • Points tend to be much less valuable when redeemed outside of the hotel

Hotel credit cards vs. travel credit cards

While travel credit cards could encompass hotel, airline and general travel-focused cards, travel cards — such as the ​​Chase Sapphire Reserve® or the Capital One VentureOne Rewards Credit Card — usually reward you for a variety of travel-related expenses, for example, airline tickets and rentals, such as the. Hotel credit cards, on the other hand, are specifically designed to give you higher rewards and specific perks when you make purchases within their hotel line.

Travel cards

  • Usually offer much higher rewards for travel purchases, including airfare and rental cars
  • Can offer high rewards in hotels regardless of brand
  • More versatility and options when transferring reward points
  • Offer a wider variety of insurance policies, such as rental insurance and baggage protection
  • Tend to have more bonus categories than branded hotel cards

Hotel cards

  • Points earned at hotels surpass those of travel cards, which, at the most, grant 10x points, while hotel cards offer up to 14x, on top of points acquired through membership, totaling well past 20x points per dollar
  • Have hotel-specific perks such as free stays, free Wi-Fi and free breakfast
  • Bumps up your member status at the hotel chain, which in turn increases the amount of perks
  • Points can be worth a lot more during specific times of the year or in specific hotels within the brand, depending on time, location and any deals available

Not all hotels are made equal, and neither are their credit cards or membership rewards programs. When choosing a hotel credit card, it’s important to take into account not just the card itself, but the hotels it works with.

1. Compare credit card basics

As with any other credit card, you should compare features like the annual fee, APR, the issuer and a baseline of the rewards offered.

As mentioned above, there are different tiers, according to the annual fee. Once you’ve decided how much you’re willing to pay, you can start to compare rewards, benefits, insurance and the hotel network. Once you’re comparing within each category, you’ll more easily find standouts that deliver far more benefits than their direct competitors.

2. Think about how often you travel

If you travel once or twice a year to visit family, you might enjoy the occasional free night, but a co-branded hotel card won’t be the best option for you. Instead, you can take a look at our best travel credit cards . With these cards, there are more travel rewards and benefits like higher points for ticket purchases, flight cancellation insurance and the such, along with higher rewards on everyday purchases.

However, if you travel often for work or you vacation a few times a year, you’ll probably really take advantage of all the benefits that come with a hotel credit card.

As you accrue points, you’ll go up in member status, get more free nights, and enjoy amenities like free Wi-Fi, discounts and priority booking. This could make your trips more comfortable and a lot cheaper.

3. Analyze rewards and perks

Once you have a list of the cards you’re strongly considering, you can start comparing their rewards. Remember, however, that points systems can vary greatly due to issuer, hotel brand and the actual hotel you try to redeem them at.

With this in mind, look at the versatility each hotel brand has. If their network is large enough and their affiliates cover a wider spectrum of budgets and locations, you can at least get an idea of how many options you’ll have when redeeming.

Consider the everyday spending categories the card rewards you for as well. If your goal is to amass enough points to get free nights or large discounts, you may benefit from high reward rates in categories such as gas, dining and grocery shopping. While some cards could look a lot more tempting than others due to that reward rate at the hotels, others could actually deliver more value through regular spending throughout the year.

4. Consider which hotel brand appeals to you the most

One of the main issues with hotel credit cards is that they’re made for a specific hotel chain. While they can be used for any type of purchase (including rival hotels), the highest reward rates and perks are limited to that brand.

The good news is that hotel chains actually have a lot of different hotels under their name, and some can range from very low cost rooms to fine hotels and luxurious villas in any part of the world. All the big names have thousands of properties across the globe, but all are different, so compare the range of options in terms of prices, locations and variety of properties and amenities. Also, see if you recognize any that you particularly enjoy, or that you already use frequently due to your traveling circumstances.

It’s also a good idea to look at the different perks each brand offers for its elite members. Most hotel credit cards grant a certain level of membership, but the benefits that come with it depend on the hotel’s membership program. Look into the details, whether the program offers free nights, free Wi-Fi, room upgrades or more. The program itself could be a deciding factor in your credit card choice.

Use for everyday expenses

One of the best and easiest ways to accrue points is to use your credit card regularly, not just at the hotel. In some cases, cards earn a lot of points for everyday purchases like groceries, gas and utilities. Also, some cards give large bonuses or other perks when a certain spending threshold is reached.

Use your annual free night

This doesn’t necessarily add to your points, but if the card offers a free night per year (and most do), make sure to not let it go to waste. If you don’t get the chance to travel or vacation, using this perk at the end of the year to relax or take a quick trip somewhere ensures that you truly take advantage of your benefits.

Look for transfer possibilities

While using your card within the hotel’s loyalty program is likely the best option, there are some cases in which transferring to a partner can increase the value of your points. Read the fine print and look for transfer partners in the card’s network to see if there’s a chance to get more for your points whether through converting them into miles or to a credit card issuer’s points system such as Chase Ultimate Rewards®.

Investigate which hotels waive resort fees

Resort fees can increase the standard room prices, sometimes significantly so. Some hotel brands waive these fees if you pay with points. Before choosing a card, look for specific hotels within the brand’s umbrella that do this.

Research prices and overall demand in different seasons

Hotel pricing changes constantly, and the same is true for the amount of points needed to get free nights or room upgrades. Stay on top of these changes to at least have an idea of when and where you can make the most out of your points.

How much is a hotel point worth?

Hotel points vary significantly depending on the card issuer and hotel brand, as well as how, when and where you redeem them.

While you can redeem points for a variety of things, such as gift cards, room upgrades or even retail deals through a hotel’s loyalty program, one of the most common and sought-after perks are free or discounted nights.

Here’s a table showing the approximate range of points needed for a free night in some of the most well-known hotel companies in the world.

Keep in mind, however, that the amount of points needed changes depending on the specific hotel chosen, the style of room, its location and when the points are redeemed as a room’s price can change drastically with the seasons.

Not all chains will have the lowest-cost rooms in the US (or any given country, for that matter) or at the time of booking. As mentioned above, it’s best to research each hotel chain and see what budgets they cover and where before making a final decision.

In most cases, points are automatically transferred from your credit card program to the hotel’s program after each billing cycle, although in some it might take up to 12 weeks for the transfer.

In order to redeem the points, you need to log into your hotel’s loyalty program and look for redemption options, such as hotel rooms, upgrades, gift cards or transfer points to partners such as airlines or even other hotel chains. You can also use your points to get higher membership status.

  • The Biden administration is moving to ban and remove hidden fees in a wide array of industries. Read the details: Biden Moves to Ban ‘Junk Fees’ Charged by Banks, Hotels, Ticket Sellers and More
  • Travel insurance is always a good choice, but it can add to the already high expense involved in traveling. Read our guide and learn How to Find Cheap Travel Insurance for Your Next Trip .
  • Traveling with someone can raise the bill quite a bit. However, there’s an offer by Southwest Airlines credit cards that can help with that: This New Credit Card Offer Comes With a Very Rare (and Valuable) Travel Bonus
  • If your spreadsheets aren’t quite cutting it and you’re having trouble budgeting and finding good deals on travel, This New Vacation Calculator Can Help You Choose (and Pay for) Your Next Trip

Best Hotel Credit Cards FAQs

What hotels have their own credit card, why is it important to have a hotel credit card, which card is best for hotel rewards, what rewards and perks can you expect with a hotel credit card, can you use a hotel credit card for everyday purchases, are there any fees associated with using a hotel credit card, how we chose the best hotel credit cards.

Finding the best hotel credit cards meant looking not just into the cards themselves, but into the different hotel chains that co-branded them, among other factors listed below:

Points and overall rewards

We compared the amount of points each card gave for eligible purchases at each hotel chain as well as points awarded for everyday spending categories such as dining or gas, which could make accumulating points much easier.

Hotel-specific perks

Points aren’t the only way to earn with hotel cards. We looked at the perks each card gives you within the hotel or in the process of booking, such as annual free nights, status upgrades, complimentary room upgrades and more. We also compared the perks that each separate hotel offers with the member status the card provides.

When traveling, insurance is a big deal. Hotel cards should have a good amount of coverage, such as trip cancellation and delay insurance, baggage insurance and rental insurance. There’s also other coverages for everyday spending such as extended warranty and purchase protection. We took these insurance policies into account when making our selections.

Welcome offers

Although welcome bonuses and intro offers in general change consistently, and we don’t include them in reviews, we looked at them to get an idea of what and how much each card regularly offers. Customers should be able to start enjoying their new card as soon as possible.

Summary of Money’s Best Hotel Credit Cards of 2024

To see rates and fees for the card_name , please visit this link . Terms apply.

To see rates and fees for the Hilton Honors American Express Card , please visit this link. Terms apply.

To see rates and fees for the Hilton Honors American Express Aspire Card, please visit this link . Terms apply.

* Insurance disclosures for American Express Cards on this page:

Trip Delay Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Baggage Insurance Plan: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

Car Rental Loss & Damage Insurance: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Trip Cancellation and Interruption Insurance ¹

Below you will find the Guide to Benefits of your respective card to learn more about what Trip Cancellation and Interruption Insurance covers. Trip Cancellation and Interruption Insurance is effective for round-trip purchases made entirely with your eligible Card and protects against Covered Losses (e.g. Sickness or Injury of the traveler or traveling companion). If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your Card to verify your benefits.

Centurion® Card from American Express

The platinum card®, corporate platinum card®, the american express platinum card® for schwab, the platinum card® from american express for goldman sachs, the platinum card® from american express for morgan stanley, delta skymiles® reserve credit card, hilton honors american express aspire card, marriott bonvoy brilliant™ american express® card, business centurion® card from american express, business platinum card®, delta skymiles® reserve for business credit card, the corporate centurion® card from american express.

¹ Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage.  This benefit provides secondary coverage.

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  • Awards & Recognition
  • Global Partners

It’s back by popular demand — Delta and American Express unveiled the next iteration of the limited-edition Boeing 747 Delta SkyMiles Reserve Card on the heels of the overwhelming response from Card Members when first launched in 2022 .  

The new limited-edition cards are cloud-white in color and made from two Delta Boeing 747 aircraft 1 that were retired after more than 27 years of service and feature each plane’s history, including their first and last flights, tail number and number of miles flown.   

The new limited-edition Delta SkyMiles Reserve Cards are cloud-white in color and made from two Delta Boeing 747 aircrafts that were retired after more than 27 years of service and feature each plane’s history, including their first and last flights, tail number and number of miles flown.  

The card is available exclusively for new and existing Delta SkyMiles Reserve and Reserve Business Card Members from April 25 through June 5, 2024, while supplies last. The new design comes after recent enhancements made to the Delta SkyMiles American Express Cards to improve the travel experience and deliver everyday value to Members, both in the air and on the ground. 

“At Delta, innovation and experience are at the core of everything we do,” said Prashant Sharma, V.P. of Loyalty at Delta Air Lines. “Each card carries the legacy of countless journeys and embodies the spirit of exploration that drives our customers and all of us at Delta. When combined with the recently upgraded benefits, these cards provide a nod to our storied past and symbolize the elevated experiences our customers can expect in their future travels.” 

In 2022, Delta and American Express launched the first iteration of the limited-edition Boeing Delta 747 Card design, one of the most iconic airplanes in aviation history. The new design is made with 33% metal from a retired Delta Boeing 747 plane and has a white glossy finish, which is inspired by clouds.  

American Express Reserve Card

“We’re bringing back one of our most popular Card designs ever with a new look honoring the ‘Queen of the Skies,’” said Jon Gantman, Senior Vice President and General Manager of Cobrand Product Management at American Express. “Given the strong response from customers with our first Card design, we wanted to find another exciting opportunity for aviation enthusiasts and Card Members to have a piece of aviation history in their wallets.” 

The Delta SkyMiles Reserve and Reserve Business American Express Cards offer premium travel benefits for Delta loyalists, including an enhanced Companion Certificate each year after renewal 2 , an MQD Headstart that helps you get closer to Status, miles accelerators, access to exclusive reservations through Global Dining Access by Resy 3 , and more. 

For more information about the Delta SkyMiles Reserve and Reserve Business Cards, visit go.amex/747card . 

american express travel black card

1 The new limited-edition Boeing 747 Card design is made with 33% metal from retired Delta Boeing 747 aircraft.

2 The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.

3 Card Members must add their Delta Skymiles Reserve or Reserve Business American Express Card to their Resy profile to access Global Dining Access by Resy.

  • American Express
  • Delta Reserve Business AMEX Credit Card

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  1. American Express Centurion Black Card Review 2024

    With 1 point per dollar spent on most transactions, total spending of $350,000 per year would earn 350,000 points, for example. All information about Centurion® Card from American Express has ...

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    The Amex Centurion "black" has an initiation fee of $10,000 and an annual fee of $5,000. It's also invite-only; you can't apply without permission from Amex. The card offers some incredible ...

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    Other ways to get it: You can get this status automatically by holding the Hilton Honors American Express Aspire Card. Alternatively, you can get it by spending $40,000 in a calendar year on the Hilton Honors American Express Surpass® Card or the Hilton Honors American Express Business Card. You can also achieve this status by reaching 30 ...

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    Here are 10 things we know about the AmEx Centurion Card. 1. The Centurion Black Card is invitation-only. You don't get the Centurion Card by applying for it. If you want to join the exclusive ...

  5. How To Get the Amex Centurion Black Card [2024]

    So for example, if you spend $150,000 on your Amex Platinum card and $200,000 on your American Express ® Gold Card per year, your aggregate spending across these 2 cards would be around $350,000. Practically speaking, spending $250,000 per year doesn't guarantee admission — in fact, the range is rumored to be $250,000 to $500,000 in annual ...

  6. The Amex Centurion Card (Black Card)

    Each card has an annual fee of $5,000, and you'll also pay an initiation fee of $10,000. Your ability to keep the card will be evaluated by American Express each year since it allows a number of exclusive benefits. The card earns 1x points per dollar, but has no bonus earnings categories.

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    Minimum spending estimates are said to vary from $250,000 to $500,000 USD per year. Plus, you must have spent $100,000 to $450,000 USD a year on another American Express card before even being ...

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    Based on various sources, it appears that to be considered, you must be an existing American Express cardholder who regularly spends upward of $350,000 per year on your current AmEx cards, or ...

  9. American Express Black Card: Inside the exclusive benefits

    Annual membership fee. Cardholders also pay a $5,000 annual fee each year. By comparison, the Platinum Card® from American Express charges a $695 annual fee. But you might be able to get that $5,000 annual fee back if you decide the card isn't all it's cracked up to be.

  10. 5 Things (We Wish We Knew) About the AmEx Black Card

    The Centurion Card from American Express offers white-glove service to a select, chosen few. Better known as the Black Card, you'll need a personal invitation from AmEx to apply, and if approved ...

  11. Travel Benefits & Rewards for Cardmembers

    Learn how Platinum Card® Members can get up to $200 back in statement credits each year on select prepaid hotels* OTHER TRAVEL BENEFITS. Why American Express Travel. Explore all the benefits of booking with American Express Travel. Cruise Privileges Program. Get added value toward your next cruise. Travel Support. Travel Help Center.

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    Amex Black cardholders travel in luxury. They can skip the airport's security line with Global Entry or TSA PreCheck Priority screening - you get a $100 credit for Global Entry or $85 for TSA PreCheck application every four years. Further, you can receive an annual statement credit for a Clear membership. ... The American Express Black card ...

  13. Centurion Card

    The back of a Centurion Card with EMV chip, 2010. The American Express Centurion Card, colloquially known as the Black Card, is a 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. The firm does not disclose the exact requirements to receive an ...

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    AmEx black cardholders have travel perks that the average flyer can only dream about. The American Express black card provides free access to over 1,400 airport lounges worldwide, catering to ...

  15. American Express Platinum Benefits & Travel Perks

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  16. Amex Travel Benefits and Resources

    Book directly with American Express to use benefits that could help you extend your travel. Go Farther With Membership Rewards® Points. Let Membership Rewards points cover this trip, or the next. From short flights to long stays, eligible Card Members can earn extra points when you book flights, prepaid hotels, prepaid car rentals, and cruises ...

  17. Mastercard Black Card vs. Amex Black (Centurion) Card [2024]

    The Mastercard ® Black Card™ and Centurion ® Card from American Express (also known colloquially as the "Amex Black card"), are 2 of the most common cards that come to mind immediately when someone mentions "black card.". Barclays issues the Mastercard Black card, while American Express issues the Centurion card. Both cards ooze prestige and appeal to well-heeled individuals who ...

  18. How to Get a Black Card

    Earn 5X Membership Rewards® points for flights booked directly through airlines or American Express Travel, on up to $500,000 on these purchases per calendar year. Also earn 5X Membership Rewards® points on prepaid hotels on AmexTravel.com. Earn 1X points on all other purchases. $200 annual hotel credit, $200 annual airline fee credit, $25 ...

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    Show summary. NerdWallet's Best American Express Cards of May 2024. Blue Cash Preferred® Card from American Express: Best for Family spending: Groceries, gas, transit, streaming. The Platinum ...

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    The Platinum Card® from American Express: Earn 80,000 Membership Rewards points after spending $8,000 on purchases in your first six months of card membership. However, some readers have been targeted for up to a 100,000-point bonus using the CardMatch tool (offer subject to change at any time).

  21. Amex Gold vs. Chase Sapphire Preferred: Two of the best travel cards

    American Express Gold Card pros Annual credits : With up to $240 back in Uber Cash and annual dining statement credits each year, you can nearly outpace the Amex Gold card 's annual fee before ...

  22. Delta SkyMiles Blue American Express Card Review 2024

    When it comes to fees, the Delta SkyMiles Blue American Express card offers a good deal — you won't pay an annual fee or foreign transaction fees. Here are the card's standard fees: Annual ...

  23. American Express Travel: Book Flights, Hotels, Cars, Cruises & More

    To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App), for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection ...

  24. 10 things to do when you get the Amex Platinum

    The Platinum Card® from American Express is one of the best premium rewards cards on the market thanks to its extensive benefits, from lounge access to monthly statement credits. These perks come at a cost, though — the card's annual fee is $695 (see rates and fees), making it one of the most expensive consumer cards to carry.

  25. Is the Delta Reserve Amex worth it? Here's how to decide

    The Delta SkyMiles® Reserve American Express Card packs a few premium benefits for frequent Delta flyers like lounge access, free bags and a companion certificate, but only if they are willing to ...

  26. 7 Best Hotel Credit Cards of 2024

    Our Top Picks for Best Hotel Credit Cards of 2024. Hilton Honors American Express Aspire Card — Best for Luxury Travel. Continue reading. Hilton Honors American Express Card — Best No Annual ...

  27. Trip Cancellation and Interruption Insurance ¹

    Trip Cancellation and Interruption Insurance is effective for round-trip purchases made entirely with your eligible Card and protects against Covered Losses (e.g. Sickness or Injury of the traveler or traveling companion). If your Card is not listed on this page or if you are an Additional Card Member, please call the number on the back of your ...

  28. A storied return: Delta, American Express bring back popular airplane

    It's back by popular demand — Delta and American Express unveiled the next iteration of the limited-edition Boeing 747 Delta SkyMiles Reserve Card on the heels of the overwhelming response from Card Members when first launched in 2022.. The new limited-edition cards are cloud-white in color and made from two Delta Boeing 747 aircraft 1 that were retired after more than 27 years of service ...