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

• +2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
• +Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
• +50,000 bonus miles with $5,000 spend in 90 days
• +Visa Signature business benefits
• +No foreign transaction fee

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 (niche card, limited value outside Korean Air travel)
• −1X baseline is low for non-earning categories
• −Korean Air is regional/niche airline (limited reach)
• −Limited to business applicants
• −Requires sustained Korean Air loyalty to justify fee

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

• +2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
• +Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
• +50,000 bonus miles with $5,000 spend in 90 days
• +Visa Signature business benefits
• +No foreign transaction fee

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 (niche card, limited value outside Korean Air travel)
• −1X baseline is low for non-earning categories
• −Korean Air is regional/niche airline (limited reach)
• −Limited to business applicants
• −Requires sustained Korean Air loyalty to justify fee

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

• +2X miles on Korean Air purchases plus dining, gas, telecom, and office supplies
• +Automatic SKYPASS Silver elite status (baggage, upgrades, lounge access)
• +50,000 bonus miles with $5,000 spend in 90 days
• +Visa Signature business benefits
• +No foreign transaction fee

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 (niche card, limited value outside Korean Air travel)
• −1X baseline is low for non-earning categories
• −Korean Air is regional/niche airline (limited reach)
• −Limited to business applicants
• −Requires sustained Korean Air loyalty to justify fee