American Express Centurion — Rewards, Fees & 2026 Review
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Rewards Earning
Key Benefits
- No Foreign Transaction Fees
- Transfer Partners Available
- Travel Portal Redemption
Overview
The American Express Centurion has no current sign-up bonus — this review covers how it earns, its fees, and who it's for. It carries a $5000 annual fee, with no first-year credits to soften it.
Who This Card Is For
Anyone who values the American Express Centurion's ongoing rewards and benefits enough to hold it without a current welcome offer.
How to Maximize the Sign-Up Bonus
With no current welcome bonus, the American Express Centurion is a keep-or-skip decision on its everyday earning and fees rather than a sign-up play. If you're optimizing approvals, Amex limits each card to one lifetime sign-up bonus per cardholder. Track the annual fee in Stacks OS so you can downgrade or cancel before it posts if the card stops earning its keep.
Pros
Cons
How This Compares
Within Amex's personal lineup, the closest comparison is the American Express Gold (100,000 Membership Rewards after $6,000/6mo, $325 AF). The American Express Centurion is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current American Express Centurion sign-up bonus?
The American Express Centurion has no current sign-up bonus. This is a review of its ongoing rewards and fees — check the issuer's page in case a new offer launches.
What's the American Express Centurion annual fee?
The annual fee is $5000.
Related Cards
Add this offer directly to your dashboard so you can track its requirements, deadline, and payout.
Nathaniel covers the best bank bonuses, credit card strategies, and savings optimization on his YouTube channel.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.