Centurion Card from American Express by American Express: 1x everything else. $5000 annual fee. Rates and credits verified from issuer pages.
The Centurion Card from American Express is American Express's premium credit card. The $5000/yr annual fee includes a no current welcome bonus. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| $1,000 Saks Credit | $1000/qtr | $250 statement credit each calendar quarter (January-March, April-June, July-September, October-December) on Saks Fifth Avenue purchases (online at Saks.com or in-store), for a total of up to $1,000 per calendar year. Enrollment required. |
| $1,000 Resy Credit | $1000/yr | $1,000 Resy Credit ... can each earn up to $250 in statement credits each quarter, for a total of up to $1,000 in statement credits per calendar year |
| $120 Uber One Credit | $120/yr | Up to $120 in statement credits per calendar year on Uber One membership fees charged to an eligible Card. |
| $250 Hertz President's Circle credit | $250/yr | Up to $250 back in statement credits each calendar year on eligible Hertz President's Circle program purchases. Limit one enrolled Card per Card Member. |
| $200 Uber Cash credit | $200/mo | $15 in Uber Cash each month plus an additional $20 in December (annual total $200). Use-it-or-lose-it monthly cadence. Plus Uber VIP where available (Amex Benefit). Effective May 7, 2026, Uber VIP is being replaced with Signature Support per source. |
| $369 CLEAR+ Membership credit | $369/yr | Up to $369 in statement credits per calendar year after using the Centurion Card to purchase a CLEAR+ Membership. Reimburses full annual CLEAR Plus membership cost. |
| TSA PreCheck / Global Entry credit | $120/quadrennial | Up to $85 for TSA PreCheck application fee OR up to $120 for Global Entry application fee, every 4 years (one credit per Card Member; choose one program, not both). Long-term cycle credit — not annualized in this row. |
| Equinox Destination Access Membership (complimentary) | $3400/yr | Complimentary Equinox Destination Access Membership including Equinox+ app access. Centurion Members 18+ are eligible to enroll. $3,400 face value reflects the published Equinox Destination Access membership market price. |
Welcome bonus value (year one): ~$0. Annual statement credits: $6459. Minus the $5000 annual fee = ~$1459 in year-one net value before any spending earn. RewardsGuru rating: 2.5/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
Year-one math: welcome bonus value (~$0) + annual credits ($6459) − $5000 fee = ~$1459 net before spending earn. Year-two onward, the credits alone need to clear $5000 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
8 recurring statement credits: $1,000 Saks Credit ($1000), $1,000 Resy Credit ($1000/yr), $120 Uber One Credit ($120/yr), $250 Hertz President's Circle credit ($250/yr), $200 Uber Cash credit ($200/mo), $369 CLEAR+ Membership credit ($369/yr), TSA PreCheck / Global Entry credit ($120), Equinox Destination Access Membership (complimentary) ($3400/yr). Total: $6459/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. American Express's product page has the current rate.