American Express Centurion

Good news: the American Express Centurion waives foreign transaction fees. Combined with its rewards categories, it's a solid choice for both domestic and international shopping.

CashBackStacks only uses the American Express Centurion's public reward structure (categories, rates, caps) to calculate your personalized stacks. It never asks for or stores account numbers, login credentials, or transaction history.

You'll earn 1.05% back on Large Purchases purchases with the American Express Centurion (up to $666,667 per year).

With a top earn rate of 1.05%, you break even on the $5000 fee at about $476,191 in category spending per year. Many cardholders find the perks (travel credits, insurance, lounge access) worth more than the fee itself.

Before applying, review the American Express Centurion's rules: AMEX Invite. These American Express policies can affect your approval and bonus eligibility.

The American Express Centurion's -10,000 cashback welcome offer can be very valuable — especially when combined with portal cashback and card-linked offers on your qualifying purchases.