American Express Centurion Business

Portal cashback + credit card rewards = cashback stacking. With the American Express Centurion Business earning 1.05% in its top category, you can add 1-15% more from a shopping portal. CashBackStacks calculates the best combination automatically.

Each Membership Rewards point is valued at 0.7000000000000001¢ (cash) or 1.9¢ (travel). Transfer to airline/hotel partners for potentially even higher value. The effective earn rate on the American Express Centurion Business depends on how you redeem.

Large Purchases is the top earning category for the American Express Centurion Business at 1.05% (up to $666,667 per year). Pair it with portal cashback to maximize your return.

CashBackStacks syncs card-linked offers from American Express and other issuers, showing them alongside portal cashback in your personalized stack. If the American Express Centurion Business has a merchant offer, it's included in your total savings calculation.

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.

No — the American Express Centurion Business does not charge foreign transaction fees, making it a great option for international purchases and travel.