The invite-only Amex Centurion 'black' card has a $5,000 annual fee and several luxury perks, but you can get many of its benefits with the Amex Platinum

The Points Guy The Amex Centurion "black" card makes other premium credit cards look downright affordable. It has an initiation fee of $7,500 and an annual fee of $5,000. It's also invite-only; you can't apply without permission from Amex. The card offers some incredible benefits, like complimentary elite status across four hotel chains and with Delta, airport arrival services, and access to a concierge. While some of these perks are exclusive to the Amex black card, you can enjoy many of them w...