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

• +Automatic Hilton Diamond status - highest published tier with room upgrades and executive lounge access
• +$400 Hilton resort credit ($200 semi-annually) covers significant portion of annual fee
• +$200 airline fee credit ($50 quarterly) for incidentals
• +$209 CLEAR Plus credit for expedited airport security
• +Up to 3 free night awards annually (anniversary + $30K and $60K spend milestones)

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

• −$550 annual fee is substantial even with credits
• −Resort credit only valid at Hilton resort properties, not standard hotels
• −Hilton points valued lower than Hyatt at ~0.5 cents per point
• −Diamond Reserve tier introduced in 2026 means Diamond is no longer the absolute top
• −Welcome bonus of 150K points lower than previous 175K elevated offer

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

• +Automatic Hilton Diamond status - highest published tier with room upgrades and executive lounge access
• +$400 Hilton resort credit ($200 semi-annually) covers significant portion of annual fee
• +$200 airline fee credit ($50 quarterly) for incidentals
• +$209 CLEAR Plus credit for expedited airport security
• +Up to 3 free night awards annually (anniversary + $30K and $60K spend milestones)

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

• −$550 annual fee is substantial even with credits
• −Resort credit only valid at Hilton resort properties, not standard hotels
• −Hilton points valued lower than Hyatt at ~0.5 cents per point
• −Diamond Reserve tier introduced in 2026 means Diamond is no longer the absolute top
• −Welcome bonus of 150K points lower than previous 175K elevated offer

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

• +Automatic Hilton Diamond status - highest published tier with room upgrades and executive lounge access
• +$400 Hilton resort credit ($200 semi-annually) covers significant portion of annual fee
• +$200 airline fee credit ($50 quarterly) for incidentals
• +$209 CLEAR Plus credit for expedited airport security
• +Up to 3 free night awards annually (anniversary + $30K and $60K spend milestones)

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

• −$550 annual fee is substantial even with credits
• −Resort credit only valid at Hilton resort properties, not standard hotels
• −Hilton points valued lower than Hyatt at ~0.5 cents per point
• −Diamond Reserve tier introduced in 2026 means Diamond is no longer the absolute top
• −Welcome bonus of 150K points lower than previous 175K elevated offer