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39

Centurion® Card from American Express

American Express National Bank

Top-25 issuerNationalVariable · PrimeCredit score 720+
Issuer site ↗
Purchase APR
19.49–20.24%
Annual fee
$5,000
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered19.49%
Median19.99%
Highest offered20.24%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered28.74%
Median29.24%
Highest offered29.49%

Every fee on this card

Annual fee$5,000
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$29
Plan FeeA monthly fee up to 1.33% of each purchase placed in a plan based on: either the APR that would otherwise apply to that purchase (for purchases in a Pay Over Time balance) or the APR that applies to the Pay Over Time feature at the time you create the pla
Initiation Fee$10,000

Rewards, benefits and features

Rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Discounts on purchases of goods and services (non travel related)
  • Extension on manufacturer’s warranty
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Membership rewards

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 19.99%$599.70
Annual / periodic fees$5,000
Total yearly cost$5,599.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

25 documents filed by American Express National Bank in the 2026 Q1 archive.

All 25 agreements

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