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 Gold status with room upgrades and breakfast at select properties
• +Earn Diamond status through $40,000 annual spend (extends through end of next year)
• +$200 annual Hilton credit ($50 per quarter) covers most of the annual fee
• +Free Night Reward earned after $15,000 annual spend
• +Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas

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

• −$150 annual fee with no first-year waiver
• −Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter)
• −Points locked to Hilton program with no transfer flexibility
• −Amex network less accepted than Visa/Mastercard internationally
• −Diamond status requires significant $40,000 spend threshold

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 Gold status with room upgrades and breakfast at select properties
• +Earn Diamond status through $40,000 annual spend (extends through end of next year)
• +$200 annual Hilton credit ($50 per quarter) covers most of the annual fee
• +Free Night Reward earned after $15,000 annual spend
• +Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas

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

• −$150 annual fee with no first-year waiver
• −Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter)
• −Points locked to Hilton program with no transfer flexibility
• −Amex network less accepted than Visa/Mastercard internationally
• −Diamond status requires significant $40,000 spend threshold

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 Gold status with room upgrades and breakfast at select properties
• +Earn Diamond status through $40,000 annual spend (extends through end of next year)
• +$200 annual Hilton credit ($50 per quarter) covers most of the annual fee
• +Free Night Reward earned after $15,000 annual spend
• +Strong earning at 12X at Hilton, 6X at restaurants/supermarkets/gas

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

• −$150 annual fee with no first-year waiver
• −Quarterly credits require spending at Hilton properties (use-it-or-lose-it each quarter)
• −Points locked to Hilton program with no transfer flexibility
• −Amex network less accepted than Visa/Mastercard internationally
• −Diamond status requires significant $40,000 spend threshold