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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides

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

• +Simple unlimited 1.5% cash back on all purchases
• +No annual fee ever
• +No foreign transaction fee for study abroad
• +Automatic credit limit increase review after 6 months
• +Reports to all 3 credit bureaus

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

• −Lower reward rate than category cards for specific spending
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Welcome offer requires spend but bonus amount not specified
• −Missing first year cashback match that Discover provides