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

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

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

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad

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

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

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

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad

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

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

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

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad