Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

Cons

• −$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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

Cons

• −$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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +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)

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

Cons

• −$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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards