Network

Key Benefits

Pros

• +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

• −$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

Network

Key Benefits

Pros

• +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

• −$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

Network

Key Benefits

Pros

• +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

• −$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