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Centurion Vs. Platinum Card

Regular Contributor

Centurion Vs. Platinum Card

I was just reading about the differences between the black & platinum cards. For nearly a year, I've averaged 20k per month on my AMEX platinum card. I pretty much use the card for everything. I was wondering if I would accept the membership to upgrade if the invitation was sent to me. After reviewing the info on the Black card, I think I would decline. Although I do believe that what they offer with the card is great, I couldn't benefit from the extras. I believe that the platinum card is just right for me.

Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal
Message 1 of 111
110 REPLIES
Super Contributor

Re: Centurion Vs. Platinum Card

 

Yeah I think the Centurion card is mostly a status symbol ~ a lot of the benefits are the same as Platinum, but I'm sure that is does have some perks that come along with the $5,000 AF.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 2 of 111
Super Contributor

Re: Centurion Vs. Platinum Card

I thought the AF on the Black was $2500?

 

The Platinum is sufficient for a lot of heavy spenders. Like Pizza said ,I think its more status.




Message 3 of 111
Frequent Contributor

Re: Centurion Vs. Platinum Card

Message 4 of 111
Super Contributor

Re: Centurion Vs. Platinum Card


CS800 wrote:

I thought the AF on the Black was $2500?

 

The Platinum is sufficient for a lot of heavy spenders. Like Pizza said ,I think its more status.



You are correct, sir.   The initiation fee is $5,000, and the AF is $2,500.   Kinda like joining a country club...Smiley Wink

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX
Message 5 of 111
Senior Contributor

Re: Centurion Vs. Platinum Card

Doesn't it give mid-tier elite status to a few airlines.  I could see it potentially being worthwhile to a person who travels a moderate amount but doesn't consolidate their travel to one airline. 


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


Take the FICO Fitness Challenge
Message 6 of 111
Regular Contributor

Re: Centurion Vs. Platinum Card


Walt_K wrote:

Doesn't it give mid-tier elite status to a few airlines.  I could see it potentially being worthwhile to a person who travels a moderate amount but doesn't consolidate their travel to one airline. 


I travel at least 75 flights a year. I fly Delta majority of the time. Now, I'm not going to lie, I would love to open my wallet and see a Centurion card. It's great looking card.

Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal
Message 7 of 111
Super Contributor

Re: Centurion Vs. Platinum Card


pizzadude wrote:

CS800 wrote:

I thought the AF on the Black was $2500?

 

The Platinum is sufficient for a lot of heavy spenders. Like Pizza said ,I think its more status.



You are correct, sir.   The initiation fee is $5,000, and the AF is $2,500.   Kinda like joining a country club...Smiley Wink


Well they can keep their titanium card at $7500 initial cost Smiley Happy




Message 8 of 111
Highlighted
Established Contributor

Re: Centurion Vs. Platinum Card

I just called the Centurion department to see if I had an invite.. nothing yet! They noted my account for interest.

 

I meet their minimum spend amount of $250K per year between my personal and business platinum accounts so I'm eagerly awaiting an invite, which I'm going to take when the time comes!

 

What can I say, UM is a sucker for the CC status Smiley Happy

Message 9 of 111
Super Contributor

Re: Centurion Vs. Platinum Card


TheBronxBomber wrote:

Walt_K wrote:

Doesn't it give mid-tier elite status to a few airlines.  I could see it potentially being worthwhile to a person who travels a moderate amount but doesn't consolidate their travel to one airline. 


I travel at least 75 flights a year. I fly Delta majority of the time. Now, I'm not going to lie, I would love to open my wallet and see a Centurion card. It's great looking card.

Bronx you are a high roller like Tanner Smiley Happy




Message 10 of 111