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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months

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

• +5x on hotels booked direct and 4x on airlines - among highest travel earn rates
• +1:1 transfer partners including British Airways, Flying Blue, JetBlue, Virgin Atlantic
• +$50 annual airline credit covers most of the $95 fee
• +Comprehensive travel insurance (trip cancellation, lost luggage, CDW)
• +Cell phone protection up to $1,000 with $25 deductible

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

• −$95 annual fee (though offset by airline credit)
• −Fewer transfer partners than Chase or Amex
• −Must book hotels directly to earn 5x (not through OTAs)
• −No lounge access
• −Welcome offer requires $4,000 spend in 3 months