Whether or not that story is apocryphal, the Centurion Card from American Express*, also known as the Black Card, now exists. But it’s available by invitation only — and comes with a $5,000 annual fee and a $10,000 initiation fee. Cardholder benefits include elite status upgrades on flights, hotels and events worldwide. And there’s also the 50% back in Membership Rewards as a statement credit when you use points to book any portion of a flight, access to the Centurion Lounges (which includes chef-made food, cocktails, child play spaces, showers, and spa services). Reimbursement for gym memberships and streaming services. A dedicated guide through customs on international trips. Complimentary upgrades and insurance coverage on car rentals. A personal concierge to assist in just about everything, from shopping to sorting out travel snags. The list goes on.