Centurion minimum
 

Just curious.

I do not spend more than $1k to $2k a month on my personal amex plat. card, however I think a lot of the centurion benefits may be useful on vacations and select business trips.

I do not know if my business spend on my corporate card will weigh in on a black card application, but how firm is the $250K minimum? My corporate card spend helps, but I will not meet the $250K with that added in still.

I have a solid history with Amex since '02, I have a 6 figure income. I'm 25, and I have a 760-800 score give or take dpending on the month. I don't want to ask for it unless I have a legitimate shot at being approved. Any feedback is appreciated.

Thanks!

well how much is your business spend? 1-2k a month on a personal card is never gonna get u in, 20k a month perhaps...however im not sure if they look at business and personal COMBINED or separately. but regardless i believe the limit is firm, they make make exceptions if you are trending to reach the limit in a couple months...IE spend like....220k in 8 months and so will likely make the 250k in the next 4 months...they may let u in.

jeesh you are likely to get slamed, flamed this has been asked answered so many times. FOR USA CENTURION (other countries differ) The requirment is you spend AND PAY 250,000 within 12 months. You can do this with any amex personal card and get a personal centurion. You can do this with most corp amex and get a corp centurion. Once again they are looking at payment besides spend. The 250k is firm in the USA

Seems like (again) there is some confusion here. Let's get this clear, once and for all:

If you spend 250k on your personal card(s), you may get a personal centurion.
If you spend 250k on your business card(s), you may get a business centurion.

If you spend 250k on your corporate card, you get nothing. There is no corporate centurion, nor has there ever been one.
Your spend on your corporate card does NOT count for any type of centurion card.

The Personal and Business cards are on your own credit history and guaranteed by you personally. The corporate card is on a company's credit and guaranteed by them - if you pay late on a corporate card, your own score is not affected nor does that appear anywhere. The credit limit on a corporate card is based upon what Amex rates your company based on their Dun&Bradstreet ratings and reports. That is why corporate cards don't count.

Also, you must be the primary cardholder on a business card for that kind of spend to count towards you getting a business centurion. Otherwise, the business centurion will be offered to the primary cardholder (who is the one guaranteeing the business card on his/her own personal social security number.

Furthermore - Usually, "credit" type cards don't count towards your spend (just charge cards that are paid off in full each month). But this rule has been known to be occasionally relaxed in some cases. No guarantee.

So, to summarize for the OP question:
You will not get a centurion card with under 250k spend. In some cases, just under 250k in a very short period of time (i.e. a few months) will lead to a relaxing of the rules, if it is obvious that you will reach 250k in far less than the 12 months required.
You cannot get any type of centurion card for your corporate card spending. Even 1 million spend on a corporate card does not figure into any calculations - since it is not "your" spend nor does Amex link it to you personally.
You can get a business centurion for your business charge card spending - but only if you are the primary account holder whose social security number is on the "master" account and whose personal credit history and score is guaranteeing the accounts of that business card and its credit limits.

Hope this clarifies the misunderstanding here.

just call Centurion new member services 800-956-9293 and ask them if you qualify.

There is some misinformation on the post above. My knowledge is based on personal experience with the business Centurion and what I've read from long time posters here.

There have been plenty of reports of people having spend split among personal and business (their own, linked to their SS #) cards and having it count. Further, in cases like this, they have been offered their choice of a personal or business Centurion.

Additionally, AMEX does allow spend from credit cards, such as the SPG card, to count toward this. From what I've read here, it seems that they want you to have a Platinum charge card for at least a year, but I don't have experience with that.

Comments about the corporate card are correct as far as I know, although I suppose if you owned the corporation you might be able to work something out, but I don't think that's the case here.

Even if you "own" the corporation it is still a NO. I own my corp and spend ALOT and they told me NO. I even sent several letters up the chain of command.

Spending on Corporate Card will NEVER be considered....(Funny thing is that reps in the Corp division will tell you different...maybe not all will but the three I talked to did)
HR

They do in-fact allow business and personal card totals to be combined for qualification though I am not sure if there is a rule regarding how much percentage from each may be required. My biz card spending was only 5% of what it took to qualify...

Also, I am unaware of anyone actually reporting that the $250k rule was "relaxed" for them and they were allowed to get a Centurion with less than $250k charged and paid. In fact, when I applied for mine I was at $248k and change charged and paid. The agent told me to either wait till next month or send in a check for the couple thousand right away and charge anything for that amount. Once the check was posted to the account and I charged the difference I could call her directly and she would process the card for me.

P.S. Try a search. There are only 1500 or so threads on this...

I can confirm this as well. A colleague of mine who owns 100% of his business has over $5 Mil yearly on his Corp card and he can't get a Centurion... hehehe

anyone with a corp card just apply for an Amex Plum card, as that will count toward the 250k limit vs the corp card.

Call 800-956-9293 and they will update you (generally with a very kind tone especially if you are making a payment) anytime.

They will bend on the number of months, for example - $250,000 over 13 or 14 months.

If you own a small business, you're really better off using a personal card to pay expenses. They have lower fees and offer more protection than corporate cards.

Some Centurion Questions
 

I don't mean to hijack the thread, but I have a few Centurion questions and I did not want to start a new one.

My company (I own 100%) charges ~$600K to various credit cards each year, most notably the Amex Plum which gives me 60 days to pay (very nice for cashflow). I am considering the Business Centurion for all the travel benefits.

If, at some point in the future, I don't charge $250K in a given year will they take the card away? Will the $5K initiation fee then be lost if I choose to come back in the future?

I have heard that the annual fee can be paid with MR points (250K=$2.5K). Is this true? Can I use MR points to pay for all or part of the initiation fee? Also, am I allowed to split the cost between points and cash (ex. 150K MR + $1K)?

Finally, just to make sure I am reading this thread correctly, can someone confirm that I am allowed to make corporate purchases on the card (that count toward the $250K minimum) as long as I get a Business Centurion and personally guarantee the purchase?

Thanks a lot for the help.

Once you meet the 250k minimum and get the card you do not have to spend another penny on the card (besdies the annual fee and initiation fee).

Yes 1 MR point = $0.01, so 250,000 MR points is $2,500 and you can you your points to pay the bill. Yes you can make a payment with cash and then use MR points, or vice versa. There usually is a small fee when you use MR points to pay.

Not 100% sure on the other answers, so I will let someone else answer.

In case there was ever any doubt about this, the recent stories of people's Centurion "credit limit" getting decreased to well below 250k/year should settle it...