American Express · American Express · personal · Amex Membership Rewards
Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$325
annual fee
0%
foreign txn fee
$350
credits/yr realistic ($424 face)
$2,000
sign-up bonus ≈ 100000 points after $8,000/6mo
Earning
| Amex Travel portal (Issuer travel portal)
5x prepaid hotels via AmexTravel.com; 2x prepaid car rentals and cruises via Amex Travel
|
5x | 10% |
| Dining & restaurants
Restaurants worldwide incl. takeout and delivery in the U.S.
up to $50,000/year, then 1x
|
4x | 8% |
| Groceries (supermarkets)
U.S. supermarkets
up to $25,000/year, then 1x
|
4x | 8% |
| Airfare (booked direct)
Booked directly with airlines or via Amex Travel
|
3x | 6% |
| Everything else | 1x | 2% |
Right column: value per $ at travel valuation (2¢/pt). Statement credit ~0.6¢ (1.1¢ via Schwab Platinum). Travel value assumes airline transfers.
Credits
- $120 Uber Cash /year · easy to use · enrollment required$10/month for U.S. Uber rides and Uber Eats
- $120 Dining credit /year · easy to use · enrollment required$10/month at Grubhub, Buffalo Wild Wings, Five Guys, The Cheesecake Factory and Wonder (enrollment required)
- $100 Resy credit /year · medium to use · enrollment required$50 semiannual at U.S. Resy restaurants
- $84 Dunkin' credit /year · medium to use · enrollment required$7/month at Dunkin'
Benefits
- No foreign transaction fees
- Transfers to ~20 airline and hotel partners
- Amex Offers
- $100 experience credit on The Hotel Collection 2+ night stays
Protections
| purchase protection | 90 days, up to $10,000 per occurrence |
| extended warranty | +1 year on warranties of 5 years or less |
| trip delay | Up to $300 per trip after 12 hours |
| lost luggage | Up to $1,250 carry-on / $500 checked |
| rental car | secondary |
Notes
WEB-VERIFIED 2026-09-08 against Bankrate's Aug 17, 2026 review: $325 fee, 4x restaurants ($50k cap) / 4x U.S. supermarkets ($25k cap) / 3x flights / 5x Amex Travel hotels, $120 Uber, $120 dining, $100 Resy, $84 Dunkin' credits, no FTF. Protections still from model knowledge.