American Express The Centurion Card
The legendary Amex Black: Brazil's most exclusive and expensive card, by invitation only.
Overview
The American Express The Centurion Card, issued in Brazil by Bradesco on the American Express network, sits at the absolute top of the country's credit card market — the famous 'Amex Black.' It is strictly invitation-only, aimed at ultra-high-net-worth clients with very high spending. Points accrue in the American Express Rewards program, integrated with Livelo, and can be transferred to airline programs such as LATAM Pass, Smiles and Azul Fidelidade, plus international partners. NOTE: because this is a secretive, invitation-only product, much information is not officially disclosed; the figures below are mostly estimates from specialized sources and may vary by profile and negotiation.
Who it's for
Ultra-high-net-worth individuals and premium Bradesco clients with very high spending who value status, personalized service and luxury travel benefits over cost-benefit.
Points earning
Estimated accrual of 5 points per dollar on spending in Brazil and up to 7 points per dollar on spending abroad (qualified categories such as airlines, hotels, car rentals and travel agencies). Points do not expire. Figures per specialized sources, not officially confirmed.
Points program and transfers
Points accrue in the American Express Rewards program, integrated with Livelo. From Livelo, points can be transferred to airline programs such as LATAM Pass, Smiles and Azul Fidelidade, plus international partners (airlines and hotel chains).
Related promotions and news
Transfer bonuses and updates from the programs linked to this card, updated live.
Transfer promotions
Miles news
Annual fee and waiver rules
There is no public waiver policy. Sources report the annual fee can be negotiated to lower amounts (e.g., around R$ 18,000) depending on relationship. Some reports mention fee adjustments for account holders. All these figures are unofficial and subject to variation.
How to apply
The card cannot be requested. Access is exclusively by invitation from Bradesco/American Express, typically extended to clients with matching spending history and banking relationship.
Income or net worth range
Not officially disclosed. Specialized sources estimate very high income/spending requirements (some cite around R$ 960,000 in spending over the last 6 months). Treat as unofficial.
Typical requirements
- Invitation from Bradesco/American Express (not publicly requestable)
- Proven very high spending in prior months (sources cite figures in the hundreds of thousands of reais over 6 months)
- A premium Bradesco relationship is usually prioritized
- Financial and wealth profile review
Ways to obtain
- Invitation-only
- Prioritization of high-income clients with strong Bradesco relationships
- No public application process
VIP lounges
Unlimited lounge access via Priority Pass (reports of up to 12 guests per visit), the exclusive American Express Centurion Lounges, plus networks such as Delta Sky Club and partner lounges in Brazil (Bradesco, Ambaar, W Premium). Access extends to the cardholder and companions.
Network benefits
- Access to the exclusive American Express Centurion Lounges
- Dedicated 24/7 concierge and personalized lifestyle management
- Fine Hotels & Resorts program with upgrades, early check-in and late check-out
- Elite status with partner hotel chains
- Benefits and discounts on private jet bookings (reports of credits up to US$ 1,000)
- Up to 4 supplementary cards at no cost (per sources)
- 1:1 transfer partnerships with Hilton Honors and Jumeirah One (from 2026)
Insurance
- Premium travel insurance and protections typical of the Centurion line (exact coverage not officially disclosed)
- Baggage insurance (not officially detailed)
- International travel assistance
Travel protections
- Global 24/7 concierge assistance
- International travel services and cardholder support
- Centurion-line purchase and travel protections (details unofficial)
Airline benefits
- Point transfers to LATAM Pass, Smiles and Azul Fidelidade via Livelo
- International partners such as Air France/KLM, British Airways, United, TAP, Copa, Etihad and Aeromexico
- Up to 7 points per dollar on airline spending abroad
Hotel benefits
- Fine Hotels & Resorts: upgrades, early check-in and late check-out
- Elite status with partner hotel chains
- 1:1 transfer to Hilton Honors and Jumeirah One (2026)
Car rental benefits
- High points accrual on car rental spending (qualified category)
- Centurion-line car rental benefits (details unofficial)
✅ Advantages
- Maximum status and exclusivity in the Brazilian market
- Dedicated 24/7 concierge and luxury services
- Broad lounge access, including Centurion Lounges
- Generous points accrual that does not expire
- Wide transfer options (domestic and international)
⚠️ Disadvantages
- Very high annual fee (estimated ~R$ 25,000) with no waiver
- Invitation-only — cannot be requested
- Scarce official information; many figures are estimated
- Unfavorable cost-benefit for those who don't use luxury perks
- American Express has lower acceptance than Visa/Mastercard at merchants
History of relevant changes
- Bradesco launched The Centurion Card (Amex Black) in Brazil as the top of the American Express line.
- In 2026, the card gained new 1:1 transfer partners: Hilton Honors and Jumeirah One.
- Specialized sources report annual fee adjustments for account holders during 2025/2026.
Frequently asked questions
How do I get the American Express The Centurion Card?
You cannot apply. The card is strictly by invitation from Bradesco/American Express, usually for clients with a very strong relationship and high spending.
What is the annual fee?
Not officially disclosed. Specialized sources estimate around R$ 25,000/year, with reports of negotiation to lower amounts. Consider it unofficial.
How do the points work?
Points accrue in the American Express Rewards program, integrated with Livelo, and from there can be transferred to LATAM Pass, Smiles, Azul Fidelidade and international partners. Estimated 5 pts/US$ in Brazil and up to 7 pts/US$ abroad.
Which lounges can I access?
Unlimited Priority Pass (with reports of up to 12 guests), the exclusive American Express Centurion Lounges, Delta Sky Club and partner lounges in Brazil.
Is it worth it for cost-benefit?
It is a status card, not a cost-benefit one. It makes sense for those with very high wealth who heavily use concierge, lounges and luxury travel benefits.
Sources consulted
Information gathered from official and specialized sources in 2026-07. Annual fee, income and rules change — always confirm on the issuer's official website.