American Express Centurion Business — Rewards, Fees & 2026 Review
Rewards Earning
Key Benefits
- No Foreign Transaction Fees
- Transfer Partners Available
- Travel Portal Redemption
Overview
The American Express Centurion Business 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
Self-employed users who want a Amex business card for its everyday earning and benefits, without chasing a sign-up bonus.
How to Maximize the Sign-Up Bonus
With no current welcome bonus, the American Express Centurion Business is a keep-or-skip decision on its everyday earning and fees rather than a sign-up play. As a business card it won't add to your personal-card velocity, so it's low-risk to hold if the ongoing earning fits your spend. 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 business lineup, the closest comparison is the Amex Business Platinum (300,000 Membership Rewards after $20,000/3mo, $895 AF). The American Express Centurion Business 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 Business sign-up bonus?
The American Express Centurion Business 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 Business annual fee?
The annual fee is $5000.
Related Cards
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