Home / Blog / Credit Card Reviews / Luxury Metal Credit Cards: How to Get One

Luxury Metal Credit Cards: How to Get One

Credit cards can certainly serve as a status symbol.  Why do you think so many Visa commercials feature a James Bond-esque motif?

In particular, credit cards made of metal have long been a symbol of wealth and luxury. Such cards are extremely limited (many believe there are less than 10,000 in circulation), and they are generally distributed by invitation only. The most notorious and mysterious metal card on the market is the Centurion Card by American Express.

Typically known as the "Black Card," this no-limit AMEX luxury is made of anodized titanium, has a minimum annual charge amount of $250,000, and a $2,500 yearly fee. You're probably saying to yourself, "holy cow, who in their right mind would even be able to keep up with the minimum spend at $21K per month?" At least, that was my initial reaction, but apparently there are plenty of big spenders out there interested in showing off their shiny black metal credit card at the cash register.

So how can you get your hands on one of these jewels? Feel free to call AMEX directly and you can obtain a specific application.  Oh, but I forgot to mention a couple more important prerequisites.

First, you must shell out $5,000 to simply obtain the credit card. And second, you have to meet a minimum net worth level, which is currently undisclosed by American Express.  You can bet it's at least somewhere North of $1 million in investable assets.

Certainly, as the AMEX slogan goes, "membership has its privileges", but I would probably get another mortgage before I applied for a metal credit card like this. The APR would most definitely be lower and I wouldn't have to deal with a $2,500 annual fee.  

What about you?  If you could qualify for an AMEX Centurion card, would you want one?


Disclaimer: This content is not provided or commissioned by the company whose products are featured on this site. Any opinions, analysis, reviews or evaluations provided here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by the Advertiser. This site may be compensated through the Advertiser's affiliate programs.

Photo credit: Shutterstock / S_E

Blog Tags: 

Sign up for our monthly newsletter.

Get the latest tips & advice from our team of 30+ credit & money experts, delivered to you via email each month. sign up Now

Joshua Heckathorn's picture

Joshua Heckathorn was President of Creditnet, is a credit expert and has been featured on CNNMoney, FOX Business, Yahoo Finance, The Street, and many other national publications during the past ten years.  He received a Bachelor of Science in Management (Finance) from Brigham Young University's Marriott School of Business and earned his MBA from Seattle University.

Visit 's Google Plus profile for more.