Amex Platinum Card vs. Centurion Card [Detailed Comparison]

Few credit cards come with the exclusive bragging rights of the Centurion^® Card from American Express. And rightly so, as this elusive titanium charge card, known colloquially as the “Black Card” or “Amex Black Card,” remains available by invitation-only to select high-net-worth individuals.

We may not know how many Centurion cards have been issued, but there is certainly a lot of hype surrounding the card. This attention presents an opportunity for us to explore the attributes of its allure and compare it to another valuable travel rewards card, The Platinum Card^® from American Express.

Because the Centurion card comes with an extraordinarily high acquisition fee and subsequent annual fees, we suspect there must be some substance behind its reputation. This premise alone is prompting our need to compare this sought-after status symbol with the card we know represents great value for the frequent traveler.

And so, for your practical economic knowledge, and perhaps some entertainment, we’re going to proceed with our comparison of a card that few have had in their wallet against a travel rewards card you should ultimately consider.

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

Amex Platinum Card vs. Centurion Card — Overview

Before we dive into all the key details of the Amex Platinum card and the Centurion card, let’s look at a high-level overview comparing our featured cards side-by-side.

The Value of a Welcome Offer

The Platinum Card^® by American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, 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.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $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.
• $189 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• 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 year period for TSA PreCheck^® application fee for a 5-year plan only (through a TSA PreCheck^® official enrollment provider), 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.
• 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.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum welcome bonus offer does vary, but you can count on receiving a value of 1 cent per Membership Rewards point when redeeming points for travel via AmexTravel.com. This valuation equates to a 50,000-point welcome bonus having a value of $500 and a 100,000-point bonus having a value of $1,000, and so on.

You may, however, receive additional value by transferring Amex points to the American Express transfer partners.

Centurion^® Card from American Express

The Centurion card does not offer a welcome bonus.

Membership Rewards Points

Both the Amex Platinum card and the Centurion card earn valuable Membership Rewards points.

Comparing Earning Potential

Bottom Line: The Amex Platinum card clearly offers better earning potential than the Centurion card. In addition, you have the opportunity to earn a generous welcome bonus after meeting initial spending requirements.

Comparing Redemption Options

Since both the Amex Platinum card and the Centurion card earn Membership Rewards points, redemption options are similar. One noticeable difference is that redeeming points on the Centurion card are worth more when redeeming for flights on AmexTravel.com as the cardholder will receive a 50% rebate of the points on eligible flights.

Airport Lounge Access

The American Express Global Lounge Collection

Both the Centurion card and the Amex Platinum card offer lounge access to over 1,400 airport lounges worldwide. With either card, you’ll have access to all of the lounges in The American Express Global Lounge Collection. Complimentary access is valid for the cardholder plus up to 2 guests, except where noted.

With either card you’ll have access to the following lounge networks:

• Centurion Lounges (including international locations)
• Delta Sky Club (when flying Delta same-day)
• Escape Lounges – The Centurion Studio Partner
• Select Lufthansa Lounges (when flying Lufthansa same-day)
• Plaza Premium Lounges
• Priority Pass Select lounges, upon enrollment
• Select Virgin Clubhouses

Amex Platinum card and The Business Platinum Card^® from American Express cardholders may enter Centurion Lounges with up to 2 complimentary guests if they have spent $75,000 in eligible purchases in a calendar year. Otherwise, a guest day pass can be purchased for $50 per adult or $30 per child between the ages of 2 and 17.

Comparing Authorized User Lounge Access

Authorized users added to either the Amex Platinum card or the Centurion card receive the same lounge access benefits as the primary cardholder, including the same guest access privileges.

Bottom Line: The Amex Platinum card offers far better value than the Centurion card with complimentary worldwide lounge access to the same lounge networks in exchange for a far lower annual fee. 

Airline, Hotel, and Rental Car Program Benefits

Airline Program Benefits — Amex Platinum Card

The Amex Platinum card does not offer any specific airline program benefits.

Airline Program Benefits — Centurion Card

Delta Platinum Medallion Elite Status

The Centurion card comes with Delta Platinum Medallion elite status, which delivers a long list of benefits. You’d normally have to fly 75,000 miles each calendar year (or 100 segments) and spend $9,000 on Delta tickets to achieve Platinum status.

Here are some of the benefits Delta Platinum Medallion elites can expect to receive:

• Unlimited complimentary upgrades
• Choice Benefits — select from a list of regional upgrades, shopping certificates, gift Medallion status, or choose 20,000 SkyMiles
• Earn bonus miles on flights
• No additional fees for checked bags and ticket changes
• Discounted CLEAR Plus membership
• Priority boarding, security, and baggage
• Dedicated phone line

Centurion International Arrival Services

You’ll be greeted by a personal guide who will expedite you through customs and immigration when you travel internationally in first or business class.

Hotel Program Benefits — Amex Platinum Card

The Amex Platinum card offers a wide range of hotel program benefits, including elite status, on-site property amenities, and elevated service.

As a cardholder, you’ll enjoy the following hotel benefits with the Amex Platinum card:

Marriott Bonvoy Gold Elite Status

Upon enrollment, Marriott Bonvoy Gold Elite members receive upgraded rooms when available, free Wi-Fi, welcome bonus points, a 25% bonus on earnings, and late checkout.

Hilton Honors Gold Elite Status

Upon enrollment, Hilton Honors Gold elite members receive upgraded rooms, free Wi-Fi, complimentary breakfast, and earn 18 Hilton Honors points per dollar spent at Hilton properties.

Prepaid Hotel Credit

Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings, which require a minimum 2-night stay, through AmexTravel.com when you pay with your card.

American Express Fine Hotels & Resorts

Cardholders receive the following benefits:

• Room upgrade, subject to availability
• Breakfast each day for 2
• Early check-in and late checkout
• Complimentary Wi-Fi
• An amenity valued at $100

The Hotel Collection

Book your prepaid stay of 2 nights or more and receive a $100 credit towards an on-site qualifying dining, spa, or resort activity. You’ll also earn 5x Membership Rewards on your booking.

Hotel Program Benefits — Centurion Card

The Centurion card offers the same hotel program benefits as the Amex Platinum card with a few exceptions:

Hilton Honors Diamond Status

In addition to all the benefits of Hilton Honors Gold status, Diamond status offers additional earnings on Hilton hotel stays, complimentary lounge access, and suite upgrades when available.

The Centurion Hotel Program

Receive the same benefits and amenities as with the American Express Fine Hotels & Resorts plus receive an extra $100 to $200 Centurion Hotel Program credit to spend during 2-night stays or more.

Rental Car Program Benefits — Amex Platinum Card

• Avis Preferred — Receive a 25% discount on base rates and a 1-category upgrade when available.
• Hertz Gold Plus Rewards — Complimentary Hertz President’s Circle status and a 1-category upgrade on a rental of an intermediate-size vehicle or greater.
• National Emerald Club Executive Status — Receive a 1-category upgrade when renting a full-size vehicle or greater, elevated earnings, preferred car selection, and easy returns.

Rental Car Program Benefits — Centurion Card

• Avis President’s Circle — Receive complimentary double-vehicle upgrades, walk-up car availability (even without a reservation), and discounted rates.
• Hertz Gold Plus Rewards Platinum Status — Receive elevated personal service, vehicle upgrades, and rental delivery to select private airports.

Statement Credits and Additional Benefits

Statement Credits

Both the Amex Platinum card and the Centurion card come with statement credits for specific purchases:

• Up to $200 in airline credits for incidentals
• Up to $85 statement credit for TSA PreCheck application fee or up to $100 statement credit for Global Entry application fee

The Amex Platinum has several other additional statement credits:

• $189 annual CLEAR Plus credit
• Up to $300 annual Equinox credit
• Up to $240 digital entertainment credit
• $200 prepaid hotel credit on eligible stays
• Up to $200 annual Uber credit
• Up to $100 Saks Fifth Avenue credit
• $12.95 monthly Walmart+ credit
• $300 SoulCycle bike credit

Travel Benefits and Protections

The following is a sampling of highlighted benefits and a brief description of how the benefit works on each card:

• Car Rental Insurance — The Centurion card comes with primary car rental insurance while the Amex Platinum card offers secondary car rental coverage. However, the Amex Platinum card offers the option to purchase Premium Car Rental Protection which includes primary car rental coverage for a flat fee (maximum $24.95) for the entire rental period.
• International Airline Program — Both Amex Platinum and Centurion cardmembers receive access to discounts and upgrades in this premium airfare-purchase program, however, the booking fee is waived for Centurion cardmembers.
• Baggage Insurance — Both cards carry this protection with up to $2,000 for lost, stolen, or damaged checked bags and $3,000 for carry-on.
• Trip Cancellation, Interruption, and Delay Coverage — Purchase a round-trip ticket with your eligible card and receive up to $10,000 per trip/$50,000 per year for covered events and up to $500 if your trip is delayed more than 6 hours.

Shopping Benefits and Protections

While the Centurion card has its own set of additional shopping benefits, which we’ll discuss shortly, both cards offer a multitude of basic shopping benefits and protections.

• Amex Offers — Enjoy ongoing special offers that provide rebates and bonus points for specific purchases.
• American Express Presale and Preferred Seating — Members receive early access to event tickets and priority seating.
• Entertainment Access — Receive access to member-only events and special experiences.
• Return Protection — If an item you purchased is not accepted as a return by the merchant within 90 days of purchase, the purchase price could be refunded.
• Extended Warranty — 1 additional year is added to the manufacturer’s warranty of 5 years or less on eligible purchases. Coverage is provided for up to $10,000 per purchase, $50,000 per eligible card.
• Purchase Protection — Pay for your eligible purchase with your card and receive up to $10,000 per occurrence, $50,000 per account per calendar year if the item is accidentally damaged, stolen, or lost. Coverage is provided for 120 days (90 days in New York) from the date of purchase.

Additional Perks of the Centurion Card

With a list of benefits nearly too long to describe, the Centurion card steps it up a notch or 2 above the Amex Platinum card with perks and services that cater to every potential aspect of the cardholder’s daily life and travel activities.

• Private Concierge and Travel Agent — Receive personalized assistance with any reservations, transportation assistance, event planning, travel disruption, and so much more.
• No Preset Spending Limits* — Your card does not come with a spending limit but it does need to be paid off at the end of each monthly statement period.
• CLEAR Membership — Speed through security with a complimentary CLEAR membership
• Elite Wine Services and Centurion Wine — Receive special wine discounts, complimentary free wine storage, wine appraisals, consultations, and more.
• Centurion Dining Program — Enjoy access to a pre-reserved table for Centurion members at 1,000 fine dining establishments worldwide.
• Special Tour Packages — Select from exclusive 3-day Tuscany or Napa Valley customized tours.
• Special Access and Invitation-only Events — Get VIP invitations and treatment at events such as concerts, sports, and even special events such as the Kentucky Derby or the Grand Prix de Monaco.
• Centurion Shopping Program — Enjoy a personal shopper and free express shipping, with access to NET-A-PORTER shopping services.
• Surprise Gifts — Members receive unexpected gifts such as shopping certificates and luxury merchandise.
• Centurion Auto Program — Receive access and preferred pricing when purchasing, leasing, or renting luxury vehicles.
• Elevated Centurion Lounge Experience — Centurion cardmembers receive unrestricted access, a reserved seating area, and special top-shelf beverages at Centurion Lounges

Annual Fees and Adding Additional Users

Annual Fees

Given the exclusivity of the Centurion Card, there isn’t a lot of public information regarding the annual fees. However, some have indicated that the card carries an initiation fee of around $10,000 along with an annual fee of $5,000.

At $695, the Amex Platinum card has an annual fee that is a fraction of the Centurion card fee (see rates & fees).

Authorized Users

To add an authorized user to the Amex Platinum card, it costs $195 per card (see rates & fees). The Centurion card reportedly charges $5,000 for each additional user for each card year.

Centurion Card Alternatives

In addition to the Amex Platinum card, which is an excellent alternative to the Centurion card, there are several travel rewards cards that rival the Centurion card with arguably better overall value.

Alternative Personal Travel Rewards Card

Chase Sapphire Reserve^®

Chase Sapphire Reserve^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve^®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Welcome Offer

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$550

APR

22.49%-29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Excellent (740-850)

Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve^® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros & Cons

Pros

• 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
• 10x points on Lyft purchases through March 31, 2025
• 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

Cons

• $550 annual fee
• Does not offer any sort of hotel elite status

Read Full Review

Card Highlights

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck^®
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Member FDIC

Financial Snapshot

• APR: 22.49%-29.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card comes with a generous welcome bonus, an annual $300 travel statement credit, Priority Pass Select worldwide lounge membership, and 3x earnings on travel and dining. Additionally, you’ll receive 50% more value when redeeming your Ultimate Rewards points for travel.

Alternative Business Travel Rewards Cards

Amex Business Platinum card

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Learn More(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 points

UP's Bonus Valuation*:

$3,300

Annual Fee

$695

APR

19.49% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
• $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 the Card.
• $189 CLEAR^® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

With the same 5x earnings on flights and prepaid hotels and worldwide lounge access as the Amex Platinum personal card, the Amex Business Platinum card is a fine choice.

You’ll also receive a 35% rebate when using your Membership Rewards points for flights on your preselected airline when booked through AmexTravel.com, up to 1 million bonus points per calendar year.

Ink Business Preferred^® Credit Card

LIMITED TIME OFFER

Ink Business Preferred^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred^® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Welcome Offer

Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠

120,000 Points

UP's Bonus Valuation*:

$2,400

Annual Fee

$95

APR

21.24%-26.24% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Ink Business Preferred^® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros & Cons

Pros

• 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
• Cell phone protection
• Purchase protection

Cons

• No elite travel benefits like airport lounge access

Read Full Review

Card Highlights

• Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 toward travel when redeemed through Chase Travel℠
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Travel℠
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
• Member FDIC

Financial Snapshot

• APR: 21.24%-26.24% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

The Ink Business Preferred card is one of our favorite business credit cards, and it comes with a generous welcome bonus, top-level earnings on select business categories, and 25% more value for your Ultimate Rewards points when redeemed for travel.

Ink Business Unlimited^® Credit Card

Ink Business Unlimited^® Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Welcome Offer

Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.

$750

UP's Bonus Valuation*:

$750

Annual Fee

$0

APR

0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited^® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros & Cons

Pros

• 1.5% cash-back on all purchases
• No annual fee
• 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Cons

• 3% foreign transaction fee

Read Full Review

Card Highlights

• Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
• Earn unlimited 1.5% cash back on every purchase made for your business
• No Annual Fee
• Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards^®.
• Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
• Round-the-clock monitoring for unusual credit card purchases
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
• 0% introductory APR for 12 months on purchases
• Member FDIC

Financial Snapshot

• APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
• Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Rewards Center

• Chase Ultimate Rewards

While not a premium travel rewards card, the no-annual-fee Ink Business Unlimited card serves business owners well with unlimited earnings. The card earns 1.5% cash-back (earned as Ultimate Rewards points) on every purchase without regard to caps or complicated bonus categories.

Additionally, business owners can combine the earning power of the Ink Business Unlimited card with the redemption power of the Chase Sapphire Reserve card or Ink Business Preferred card to receive up to 50% more value when redeeming points for travel.

Bottom Line: While none of the alternatives to the Centurion card have the same panache and prestige, you’ll still be receiving stellar value with any of these alternative cards. The best card for you will depend on how you spend on the card, whether you use the benefits offered, and your willingness to pay an annual fee. 

Final Thoughts

At this point, you might be wondering why we featured a card that few are likely to be invited to have. One reason is for the informational value, but the bottom line for the comparison is to illustrate the tremendous value of the Amex Platinum card and alternative travel rewards cards… and you won’t have to spend thousands of dollars for the privilege of having these cards.

Also, please note that Amex does not publish information on the Centurion card, so the data in this article was gathered from those who have the card, bulletin boards discussing the benefits, news articles, and Wikipedia.

If you have the Centurion card and can add information from your own personal experience of using the card, we encourage you to do so in the comments section.

For the car rental insurance benefit of The Platinum Card^® from American Express, insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the baggage insurance benefit of The Platinum Card^® from American Express, 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 Trip Delay Coverage insurance benefit of The Platinum 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.

For the Trip Cancellation and Interruption insurance benefit of The Platinum Card^® from American Express, the maximum benefit amount 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 Return Protection benefit of The Platinum Card^® from American Express,  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.

*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.

For the Extended Warranty benefit of The Platinum 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 Platinum 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 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.