⁷ I carry the almost mythical Amex Centurion Black Card, which you must be invited to apply for at certain spending levels. When my wife and I found out, while sailing from Naples to Capri, that our daughter had given birth to twins three months prematurely, I made a single 20-minute call to Black Card from our mountaintop hotel when we reached Capri. The next morning we were sent home with private cars, first-class ferries, first-class air, and a hotel suite six blocks from the hospital in New York. I swear by them, and my granddaughters are healthy and a year old as I write this!