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

• +No annual fee
• +10% off merchandise at Disney parks and shopDisney.com
• +10% off dining at select Disney restaurants
• +Exclusive character photo opportunities at Disney parks
• +Low $500 spend requirement for $150 welcome bonus

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

• −Only 1% back on all purchases (below average)
• −3% foreign transaction fee
• −Rewards only redeemable at Disney properties
• −No bonus categories for everyday spending
• −Premier card offers significantly better value for frequent Disney spenders

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

• +No annual fee
• +10% off merchandise at Disney parks and shopDisney.com
• +10% off dining at select Disney restaurants
• +Exclusive character photo opportunities at Disney parks
• +Low $500 spend requirement for $150 welcome bonus

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

• −Only 1% back on all purchases (below average)
• −3% foreign transaction fee
• −Rewards only redeemable at Disney properties
• −No bonus categories for everyday spending
• −Premier card offers significantly better value for frequent Disney spenders

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

• +No annual fee
• +10% off merchandise at Disney parks and shopDisney.com
• +10% off dining at select Disney restaurants
• +Exclusive character photo opportunities at Disney parks
• +Low $500 spend requirement for $150 welcome bonus

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

• −Only 1% back on all purchases (below average)
• −3% foreign transaction fee
• −Rewards only redeemable at Disney properties
• −No bonus categories for everyday spending
• −Premier card offers significantly better value for frequent Disney spenders