Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

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

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

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

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

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

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)