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http://www.mahalo.com/GetAmExBlackCard

If you're a "high roller" with a taste for the finer things in life, you might already know about the prestigious - and somewhat mysterioius - American Express Black Card, officially called the Centurion Card.  Snopes.com says the "American Express Black Card" actually began as an "urban myth" - a special credit card that was issued only to the very rich, and very powerful.  AmEx Europe director Doug Smith says the rumor "wasn't true" but added that the company "decided to capitalize on the idea anyway."

In 1999, AmEx introduced its Centurion Card.  What do we know about the Black Card?  Well, it's black, for starters.  It is a charge card - and you've got to pay off the entire balance each month.  Unlike other credit cards, the American Express Black Card is actually made out of titanium, not plastic.

You may be wondering how to get the coveted American Express Black Card.  You first need to determine if you even qualify for it.  You must have a high credit rating.  You must also already have an AmEx Platinum card.  You also need to have significant assets and extravagant spending habits.  How extravagant?  You must charge at least $250,000 each year on your Platinum card. 

And then there are the fees.  If you are approved for an American Express Centurion Card, you'll reportedly pay a one-time fee of $5000.  To keep your account open, you'll pay $2500 annually.

What are the perks of having an American Express Black Card?  A very high spending limit, for one thing.  Also, the card is said to give you the option of partial ownership in a private jet.  You'll get automatic upgrades at luxury hotels and from cruise lines and airlines.  Personal services perks include access to a personal concierge who can schedule reservations for you, among other things.  A travel concierge will act as a full-service travel agent, booking everything from flights and hotels to helicopters for you.

Ready to apply?  Until 2006, the Centurion Card was only available by "invitation." But now, you can simply call the American Express Platinum customer service number (1-800-263-1616) and ask for an application.


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