Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households