Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad

Network

Key Benefits

Pros

• +$1,650 in annual credits more than covers $795 fee
• +Priority Pass Select with 2 guests included
• +Exclusive Chase Sapphire Lounge access
• +Primary rental car coverage saves $15-30/day
• +Points worth 50% more through Chase Travel

• +Companion Certificate after $25K spend (companion pays only taxes/fees on Main Cabin domestic)
• +Silver Medallion Status available at $25K annual spend
• +Free first checked bag for cardholder plus up to 8 companions on same reservation
• +Strong 2x earning on restaurants, hotels, and U.S. supermarkets
• +Boosted upgrade priority to First Class and Delta One

Cons

• −$795 annual fee is substantial commitment
• −5/24 rule restricts applicants with recent cards
• −Credits require specific spending patterns to use
• −$195 authorized user fee with no free users
• −No 0% intro APR offer

• −$350 annual fee is substantial if not utilizing premium benefits
• −Companion certificate requires $25,000 spend threshold
• −No lounge access included (must upgrade to Reserve)
• −Miles are locked to Delta SkyMiles program with limited transfer options
• −2.7% foreign transaction fee on Amex network limitations abroad