As high as 175,000 Membership Rewards® Points after you spend $12,000 in purchases on your new card within the first 6 months of card membership. Apply and find out your offer. Welcome offers vary and you may not be eligible for an offer.
Full benefits & perks
- Up to $600 Hotel Credit – Split into two $300 statement credits, one every six months, for prepaid bookings at Fine Hotels + Resorts® or The Hotel Collection via Amex Travel. Minimum two-night stay required.
- Up to $400 Dining Credit via Resy – Up to $100 in statement credits per quarter for eligible dining spend.
- Up to $300 Lululemon Credit – Up to $75 in statement credits per quarter for eligible purchases.
- Up to $200 Oura Ring Statement Credit – Once per year on hardware purchases.
- Up to $300 Equinox Statement Credit – Per calendar year to use on Equinox gym and Equinox+ app memberships (subject to auto-renewal).
- Up to $300 at SoulCycle: Up to $300 in statement credits per calendar year toward the purchase of a SoulCycle bike (up to 15 bikes per calendar year), enrollment in Equinox+ membership required.
- Up to $300 Digital Entertainment Credit – Up to $25 per month. This covers popular services like Disney+, ESPN+, YouTube Premium, Paramount+, and more.
- Up to $209 in annual CLEAR®+ credits.
- Up to $200 in annual airline fee credits for incidental fees with your selected airline.
- Uber Benefits – Up to $15/month in Uber Cash (plus $20 in December) and a new Uber One membership credit (up to $120/year).
- Global Lounge Collection access including Centurion Lounges, Delta Sky Clubs when flying Delta, and Priority Pass.
- $120 statement credit for Global Entry once every four years, or up to $85 statement credit for TSA PreCheck® once every 4.5 years.
- Hotel Status – Complimentary Marriott Bonvoy Gold and Hilton Honors Gold.
- Rental Car Status – Complimentary Hertz Gold Plus Rewards President’s Circle, Avis Preferred Plus and National Emerald Club Executive status.
- Trip Cancellation/Interruption Insurance, Trip Delay, Extended Warranty, and more.
- No foreign transaction fees.
Terms apply. Enrollment is required for certain benefits.
My thoughts
The annual fee is hefty, and Amex cards are sometimes called "coupon books" for all of the MANY credits. But, those credits can be worth thousands of dollars when you actually use them. My rule of thumb is simple: if you wouldn't normally spend money on those things, the credits don't really save you anything. But if you travel frequently, dine out at Resy restaurants, and want lounge access, this card can absolutely justify its fee, at least for the first year!
How to use your points
Membership Rewards® points earned on this card are best used by transferring to travel partners. Here are some of my favorite ways to use them:
- Transfer to Flying Blue - Air France/KLM for flights to Europe — learn about Flying Blue
- Transfer to Delta SkyMiles for domestic and international flights
- Transfer to any of Amex's 21 airline and hotel partners — see all Amex partners
- Transfer to Hilton at a 1:2 ratio
This card can absolutely justify the fee — but only if you'll actually use the credits.
- The welcome offer alone is huge and worth opening just for that
- My rule: if the credits are for things you'd never normally buy, they don't save you anything
- Lounge access, many individual credits, and Global Entry make this worthwhile for frequent travelers
- If you rarely travel or won't use the lifestyle credits, this isn't the card for you
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Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.