Network

Key Benefits

Pros

• +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

• +Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
• +$200 annual TravelBank credit effectively reduces fee to $150
• +$180/year in Instacart credits ($15/month through 2027)
• +10,000-mile award discount annually plus another 10K after $20K spend
• +Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

• −$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

• −$350 annual fee is substantial without lounge access
• −TravelBank credits only work on United/United Express flights
• −PQP earning cap of 18,000 limits status acceleration potential
• −2x on non-United travel is lower than some competitors
• −Instacart credits expire December 2027

Network

Key Benefits

Pros

• +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

• +Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
• +$200 annual TravelBank credit effectively reduces fee to $150
• +$180/year in Instacart credits ($15/month through 2027)
• +10,000-mile award discount annually plus another 10K after $20K spend
• +Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

• −$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

• −$350 annual fee is substantial without lounge access
• −TravelBank credits only work on United/United Express flights
• −PQP earning cap of 18,000 limits status acceleration potential
• −2x on non-United travel is lower than some competitors
• −Instacart credits expire December 2027

Network

Key Benefits

Pros

• +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

• +Two free checked bags for cardholder plus companion (up to $360 per roundtrip)
• +$200 annual TravelBank credit effectively reduces fee to $150
• +$180/year in Instacart credits ($15/month through 2027)
• +10,000-mile award discount annually plus another 10K after $20K spend
• +Earns 1 PQP per $20 spent (up to 18,000 PQP/year) plus 1,000 bonus PQPs

Cons

• −$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

• −$350 annual fee is substantial without lounge access
• −TravelBank credits only work on United/United Express flights
• −PQP earning cap of 18,000 limits status acceleration potential
• −2x on non-United travel is lower than some competitors
• −Instacart credits expire December 2027