In the hierarchy of credit cards, the card "higher" than the Platinum card is the Centurion Card from American Express, commonly known as the "Black Card." While the Amex Platinum is a "premium" card available to anyone who meets the credit and income requirements, the Centurion Card is invite-only and shrouded in exclusivity. To even be considered for an invitation in 2026, cardholders typically need to spend (and pay off) at least $250,000 to $500,000 annually on their existing Platinum card. The Centurion Card is made of anodized titanium and carries a massive initiation fee (often $10,000) and an annual fee of $5,000. The benefits are significantly more personalized than those of the Platinum card, including a dedicated 24/7 personal concierge, automatic top-tier elite status at multiple hotel chains (like Hilton Diamond and IHG Diamond), and "private" airport transfers. Other banks have "Ultra-High Net Worth" cards that compete with the Platinum, such as the JP Morgan Reserve (formerly Palladium), which is reserved for clients with at least $10 million in managed assets. While the Platinum card is the "gold standard" for frequent travelers, the Centurion represents a level of wealth where the card acts as a lifestyle management tool rather than just a payment method.