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

• +Two free checked bags saves up to $200+ per round trip
• +Elite Gold status with just one purchase in 90 days
• +$0 annual fee first year, then only $99
• +3X miles at restaurants
• +No foreign transaction fees

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

• −$99 annual fee after first year
• −Elite Gold status requires $3,000 spend to maintain
• −Free bags only for cardholder, not companions
• −Only 1X on most purchases
• −Frontier Miles have limited redemption options