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
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

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

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers

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
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

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

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers

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
• +No foreign transaction fee
• +3X rewards on all travel purchases (flights, hotels, car rentals, travel agencies)
• +2X rewards on all other purchases (strong baseline rate)
• +Visa Signature tier benefits (travel protections, extended warranty)

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

• −Limited to Navy Federal membership eligibility (military, DoD, family members)
• −No airline lounge access or premium travel credits
• −Fewer perks compared to premium cards from major issuers