29 cards with a $250+ annual fee or a gate in front of them — invitation, private-bank relationship, or closed to new applicants. Every credit, perk and protection, and what the fee really costs once you use the credits.
Who gets what
Hover or tap a tick for the detail. Net = annual fee minus statement credits at realistic use (easy credits 100%, medium 60%, hard 30%); a green + means the credits are worth more than the fee — if you'd spend on those things anyway.
By invitation from American Express only - there is no application. Amex does not publish criteria; invitations go to existing Amex cardmembers (usually long-time Platinum holders) with very high spending. Reported thresholds vary: roughly $250,000-$350,000+ a year on Amex cards for the personal card (One Mile at a Time, TPG, Upgraded Points), some sources say $350,000-$500,000, and ~$450,000-$500,000 for the business version. Some cardholders report asking Amex to be considered. Expect $15,000 in the first year ($10,000 initiation + $5,000 annual fee). [1][2][3][4]
Fee: Plus a one-time $10,000 initiation fee (U.S.) in the first year, so $15,000 up front. Each additional (authorized user) card costs $5,000 a year. Fees raised from $2,500/yr ($7,500 initiation) in April 2020.
Up to $369 a year in statement credits for CLEAR Plus for the cardholder and up to three family members. · medium to use · enroll
$250 /quarter Resy dining credit
Up to $250 per quarter ($1,000/year) in statement credits at qualifying U.S. Resy restaurants, select Resy events and Centurion New York. No need to book through Resy; enrollment required. Added July 2026; unused quarters do not roll over. · medium to use · enroll
$200 Uber Cash
Up to $15 in Uber Cash each month plus an extra $20 in December ($200/year) for U.S. Uber rides and Uber Eats, once the card is added to the Uber app. · easy to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck credit
Statement credit for the Global Entry ($120, every 4 years) or TSA PreCheck (every 4.5 years) application fee. · easy to use · enroll
Perks
No foreign transaction fees
Amex Global Lounge Collection
Centurion Lounges (with up to 2 guests and children 17 and under), Priority Pass Select, Escape, Plaza Premium and Lufthansa lounges. Delta Sky Club access is listed only by CardStack and is not confirmed.
Priority Pass Select
Unlimited visits; enrollment required.
PS (Private Suite) airport terminal
Complimentary PS membership and two PS visits a year (LAX, ATL and other PS locations).
Complimentary Hilton Honors Diamond, Marriott Bonvoy Gold Elite and IHG One Rewards Platinum Elite status.
Car rental status: Hertz President's Circle/Platinum, Avis President's Club
Reviews name the Hertz tier differently (Platinum vs President's Circle).
Equinox Destination Access membership
Complimentary Equinox membership (reviewers value it at ~$300+/month). A membership, not a statement credit.
Centurion concierge
Personal 24/7 Centurion concierge and Centurion Travel Service; Centurion International Arrival Services (expedited customs/immigration on international business/first flights at 30+ airports).
Membership Rewards transfer partners
Earns standard Membership Rewards points, transferable to Amex airline and hotel partners.
Fine Hotels + Resorts, Amex Premium Events Collection, Centurion New York
Access to FHR bookings and Centurion-only events and venues.
Trip delay / cancellation, baggage and purchase protections
TPG lists trip delay/cancellation, baggage delay, extended warranty and purchase protection; coverage limits not confirmed.
Protections
Purchase protection
Included (limits not confirmed)
Extended warranty
Included (limits not confirmed)
Trip cancellation / interruption
Included (limits not confirmed)
Trip delay
Included (limits not confirmed)
Baggage delay
Included (limits not confirmed)
Earning, approval rules & sources
1x Everything else — 1 Membership Rewards point per dollar on all purchases. Reviewers disagree on extras (Upgraded Points mentions 2x on Amex Travel and Uber; One Mile at a Time mentions 1.5x on purchases of $5,000+ with caps) - unconfirmed, so not filed.
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
Charge card; no preset spending limit. Amex's public Centurion pages are login-only, so everything here comes from 2025-2026 reviews (TPG, OMAAT, Upgraded Points, Doctor of Credit). July 2026: added a $1,000/yr Resy credit ($250 a quarter, enrollment required). Sources disagree on what it replaced: CardStack says the $250-a-quarter Saks Fifth Avenue credit ended June 30, 2026, and Upgraded Points says the $200 airline fee credit was dropped. Neither the Saks nor the airline credit is filed here. The one-time $300 SoulCycle bike credit and the $120 Uber One credit appear only on CardStack, so they are left out. The CLEAR amount comes from a TPG article dated Jan 2025. Protection limits and the rental car coverage type were not confirmed. No foreign transaction fee is widely reported, but I did not see it on an issuer page. Earns only 1x, so it is a poor card for earning points: its value is in status, lounges, concierge and access.
Open application via luxurycard.com (issued by Barclays). Reported to need good-to-excellent credit, roughly 700-720+ FICO; no published income minimum. [1][2][3]
Fee: $349 for each authorized user
Annual fee
$1,199
Credits / yr
$700
$480 realistic
Net cost
$719
2% value on airfare or cash back$300 airline + $200 dining + $200 Ship&Play creditsPriority Pass Select with guests24K-gold-plated metal card, $1,199 fee
Statement credits
$300 Airline credit
Up to $300 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more · easy to use
$200 Dining credit
Up to $200 in annual statement credits when using the card at qualified restaurants worldwide; no enrollment or third-party apps required (the qualifying restaurant list is not published on the card page) · medium to use
$200 Ship&Play credit
Up to $200 in credits annually for shipping luggage/golf clubs/gear ahead with Ship&Play · hard to use · enroll
$120 /one time Global Entry / TSA PreCheck
Statement credit up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee (renewal frequency not stated on the card page) · easy to use · enroll
Perks
No foreign transaction fees
Priority Pass Select
1,800+ lounges; guests included per luxurycard.com (reviews: unlimited guest visits)
Luxury Card Travel hotel benefits
Average $750 value per stay at 3,000+ properties: daily breakfast for two, room upgrade at check-in, early check-in/late check-out, resort credits
Luxury Card Concierge
24/7 by call, email, text or chat
Trip cancellation / interruption
Up to $5,000 per insured person
Baggage delay
$100/day, max 3 days, after 4 hours
Travel accident insurance
Up to $250,000
MasterRental secondary coverage
Cell phone protection
When the monthly phone bill is paid with the card; reported $800/claim, $1,000/yr, $50 deductible
Lyft and Peacock perks
$5 Lyft credit after 3 rides in a month (through 2027-01-31); $3/month off Peacock Premium/Premium Plus (through 2027-12-31)
Priceless Golf
Access to 1,000+ private country clubs
0% intro APR on balance transfers
15 months on transfers made within 45 days of opening (5% fee, min $5); then 19.49%-27.49% variable
Protections
Trip cancellation / interruption
Up to $5,000 per insured person
Baggage delay
$100/day, max 3 days, after a 4+ hour delay
Rental car collision
secondary
Cell phone protection
Pay the monthly bill with the card; reported up to $800/claim, $1,000/yr, $50 deductible (AIG)
Travel accident
Up to $250,000
Earning, approval rules & sources
2x Issuer travel portal — 2x on airfare and hotel reservations booked through LuxuryCardTravel.com
WEB-VERIFIED 2026-09-23 against luxurycard.com. Marketed by Luxury Card (Black Card LLC), issued by Barclays. Points: 1x everywhere, 2x only on airfare/hotels booked via LuxuryCardTravel.com; no transfer partners; points never expire. Gold redeems at 2% for both airfare and cash back (50,000 points = $1,000 airfare / $1000 cash back). The shared luxury_card_points currency uses 1.5¢ cash / 2¢ airfare, so it UNDERSTATES this card's 2¢ cash-back value. No welcome bonus. Card is 24K-gold-plated metal, 22 g. Cell phone protection limits are from secondary sources (official page gives none); no purchase protection or extended warranty is listed on the card page.
5x Amex Travel flights and prepaid hotels2x business categories and $5k+ purchases (to $2M)1,550+ lounges; $3,000+ in business credits$895 fee
Statement credits
$1,150 Dell credit
Up to $1,150 at Dell Technologies (with $5,000+ Dell spend; enrollment required) · hard to use · enroll
$600 Hotel credit (Amex Travel)
$300 semiannual on prepaid FHR / Hotel Collection bookings via Amex Travel · medium to use
$360 Indeed credit
$90 per quarter on Indeed hiring · hard to use · enroll
$300 ChatGPT Business credit
ChatGPT Business subscription · medium to use · enroll
$250 Adobe credit
Adobe Creative Solutions (with $600+ spend) · hard to use · enroll
$219 CLEAR Plus credit
CLEAR Plus membership · medium to use · enroll
$200 Airline incidental fee credit
Fees on one selected airline · medium to use · enroll
$200 Hilton for Business credit
Hilton for Business bookings · hard to use · enroll
$120 Wireless credit
$10/month on U.S. wireless telephone services · easy to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck
Fee reimbursement · easy to use · enroll
Perks
No foreign transaction fees
Centurion Lounges, Delta Sky Club (10 visits/yr), Priority Pass Select, Escape, Plaza Premium
Marriott Bonvoy Gold and Hilton Honors Gold
Transfers to ~20 partners
35% points back on Pay with Points flights (selected airline / business+first), up to 1M points/yr
Cell phone protection
Up to $800 per claim, 2 claims/yr, $50 deductible
Protections
Purchase protection
90 days, up to $10,000 per occurrence / $50,000 per year
Extended warranty
+1 year on warranties of 5 years or less
Return protection
90 days, up to $300 per item / $1,000 per year
Trip cancellation / interruption
Up to $10,000 per trip / $20,000 per year
Trip delay
Up to $500 per trip after 6 hours (2 claims per year)
Lost luggage
Up to $2,000 checked / $3,000 combined
Rental car collision
secondary
Cell phone protection
Up to $800 per claim, 2 claims per year, $50 deductible
Earning, approval rules & sources
5x Airfare (booked direct) — Flights and prepaid hotels booked through AmexTravel.com
5x Amex Travel portal Issuer travel portal
2x Electronics stores (up to $2,000,000/year)— 2x on U.S. construction materials & hardware suppliers, electronic goods retailers, software & cloud providers, shipping providers, and any purchase of $5,000+ (to $2M/yr)
2x Software & cloud (up to $2,000,000/year)
2x Shipping (up to $2,000,000/year)
2x Home improvement (up to $2,000,000/year)
1x Everything else
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/the-business-platinum-card-from-american-express/: $895, 5x Amex Travel, 2x business categories/$5k+ purchases, credits: $200 airline, $600 hotel, $219 CLEAR, $200 Hilton for Business, $1,150 Dell, $250 Adobe, $360 Indeed, $120 wireless, $300 ChatGPT; 300k after $20k; no FTF (Bankrate, Apr 2 2026). Protections still from model knowledge.
Fee: Raised from $550 to $795 in the June 23, 2025 overhaul (existing cardholders at first renewal on/after Oct 26, 2025). Authorized users: $195 each (was $75).
Annual fee
$795
Credits / yr
$2,340
$1,422 realistic
Credits beat fee by
+$627
Welcome bonus
100,000 points
≈ $2,050 at travel value
8x Chase Travel, 4x flights and hotels booked direct, 3x dining$300 flexible travel credit (automatic)$500 The Edit hotel credit + $300 dining + $300 StubHubSapphire Lounges + Priority Pass with 2 guests1:1 Hyatt transfers kept; Points Boost up to 2 cents/ptPrimary rental CDW, $500 trip delay after 6 hours
Statement credits
$500 The Edit hotel credit
Up to $500 per calendar year as two $250 statement credits (max $250 per booking, max 2 bookings) for prepaid stays of 2+ nights booked through The Edit by Chase Travel. Started Jan 1, 2026 (Jan-Jun and Jul-Dec halves). The Edit stays also get daily breakfast for two, room upgrades when available, and a $100 property credit. · hard to use
$300 Annual travel credit
Up to $300 in statement credits each year, applied automatically to a broad range of travel purchases (airfare, hotels, rental cars, transit, etc.). Purchases reimbursed by the credit do not earn points. · easy to use
$250 Select Chase Travel hotels credit
Up to $250 in statement credits for 2-night-minimum stays at select hotel brands booked through Chase Travel (IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific). Available through Dec 31, 2026. · medium to use
$300 per year as $150 Jan-Jun and $150 Jul-Dec in statement credits for dining at restaurants in the Sapphire Reserve Exclusive Tables program (booked via OpenTable). Activation required. · medium to use · enroll
$150 /semiannual StubHub / viagogo credit
$300 per year as $150 Jan-Jun and $150 Jul-Dec in statement credits for concert and event tickets on StubHub or viagogo, through Dec 31, 2027. Activation required. · medium to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS fee credit
One statement credit of up to $120 every four years for the Global Entry, TSA PreCheck or NEXUS application fee charged to the card. · easy to use
$20 /month DoorDash grocery/retail credits
Two $10 monthly DoorDash promos on non-restaurant (grocery/retail) orders; requires the complimentary DashPass and the Reserve as payment method. · medium to use · enroll
$15 /month DoorDash credit (any order)
From Oct 1, 2026: $15 monthly DoorDash promo on any eligible order incl. restaurant delivery. Activate in the DoorDash app with the Reserve set as payment method. (Source: Kudos blog, Sept 2026.) · easy to use · enroll
$10 /month Lyft credit
$10 in Lyft credit each month ($120/year) through Sept 30, 2027 when the card is added to your Lyft account (activation required), on top of 5x points on Lyft rides. · medium to use · enroll
$10 /month Peloton membership credit
Up to $10 per month ($120/year) in statement credits toward Peloton memberships through Dec 31, 2027. Activation required on Peloton's website. · hard to use · enroll
Perks
No foreign transaction fees
Chase Sapphire Lounge by The Club
Complimentary access to Sapphire Lounges (and Air Canada Maple Leaf Lounges/Cafes in select U.S., Canada and Europe airports with an eligible boarding pass) with up to 2 guests. DFW and LAX Sapphire Lounges opening 2026.
Complimentary IHG Platinum Elite status through Dec 31, 2027 (activation required; primary cardholder only). Marriott Bonvoy Gold Elite via limited-time registration July 1 - Sept 30, 2026. Hyatt Explorist and IHG Diamond after $75,000 calendar-year spend.
1:1 transfer partners including Hyatt
Transfers 1:1 to Chase airline and hotel partners; the Reserve keeps the 1:1 World of Hyatt ratio (Sapphire Preferred/Ink Preferred drop to 4:3 in 2026).
Points Boost
Points redeem at 1 cent each through Chase Travel (the flat 1.5 cents ended June 23, 2025), with Points Boost worth up to 2 cents per point on select hotels (including The Edit) and premium airline cabins.
$300 annual travel credit
See credits.
$500 The Edit credit + $250 select hotels credit
See credits.
$300 Exclusive Tables dining credit
See credits.
$300 StubHub / viagogo credit
See credits.
$120 Lyft credit
See credits.
$120 Peloton credit
See credits.
Global Entry / TSA PreCheck / NEXUS credit
Up to $120 every four years.
Apple TV + Apple Music
Complimentary Apple TV and Apple Music subscriptions ($288/year value) for 12 months when activated by June 22, 2027.
DashPass (12 months)
Complimentary DoorDash DashPass ($120 value) when activated by Dec 31, 2027.
$300/year DoorDash promos
For DashPass members: a $5 monthly restaurant promo plus two $10 monthly promos on non-restaurant orders (up to $25/month) through Dec 31, 2027. In-app promos, not statement credits.
Reserve Travel Designers
Complimentary custom itinerary planning (valued up to $300 per trip) plus 24/7 dedicated customer service.
$75,000 annual spend unlocks
After $75,000 in a calendar year: World of Hyatt Explorist, IHG Diamond Elite, Southwest A-List, $500 Southwest Chase Travel credit and $250 The Shops at Chase credit, for the rest of that year and the next.
Primary auto rental collision damage waiver
Primary coverage up to $75,000 for theft and collision damage on most rentals (up to 31 days) in the U.S. and abroad when you decline the rental company's coverage.
Trip cancellation / interruption insurance
Up to $10,000 per traveler and $20,000 per trip.
Trip delay reimbursement
Up to $500 per traveler for delays of 6+ hours or requiring an overnight stay.
Baggage delay insurance
Up to $100 a day for up to 5 days after a 6+ hour delay.
Lost luggage reimbursement
Up to $3,000 per traveler ($500 cap on jewelry, watches and electronics).
Emergency evacuation and transportation
Up to $100,000.
Emergency medical and dental
Up to $2,500 when 100+ miles from home.
Roadside assistance
Up to $50 per incident, up to 4 times per year.
Travel accident insurance
Up to $1,000,000 accidental death or dismemberment.
Purchase protection
120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Return protection
Up to $500 per item, $1,000 per 12 months, within 90 days.
Extended warranty protection
Extends U.S. manufacturer warranties of 3 years or less by an additional year.
Protections
Purchase protection
120 days, up to $10,000 per claim / $50,000 per account
Extended warranty
+1 year on warranties of 3 years or less (up to $10,000 per claim / $50,000 per account)
Return protection
90 days, up to $500 per item / $1,000 per 12 months
Trip cancellation / interruption
Up to $10,000 per traveler / $20,000 per trip
Trip delay
Up to $500 per traveler after 6 hours or overnight
Baggage delay
Up to $100/day for 5 days after 6 hours
Lost luggage
Up to $3,000 per traveler ($500 cap on jewelry/electronics)
Rental car collision
primary
Roadside assistance
Roadside assistance up to $50 per incident, 4 times per year
Travel accident
Up to $1,000,000
Earning, approval rules & sources
10x Peloton Gyms & fitness (up to $5,000/lifetime)— 10x on Peloton hardware and accessory purchases, capped at 50,000 total points ($5,000 of spend) through 12/31/2027 (promotional).
8x Chase Travel portal Issuer travel portal — 8x on all purchases through Chase Travel, including The Edit (flights, hotels, rental cars, cruises, activities, tours).
5x Lyft Rideshare — 5x total (1x base + 4x bonus) on Lyft rides through 9/30/2027 (promotional). Other rideshare, transit, rental cars etc. earn only 1x since the 2025 overhaul removed the general 3x travel category.
4x Airfare (booked direct) — 4x on flights booked direct with the airline.
4x Hotels (booked direct) — 4x on hotels booked direct with the hotel.
3x Dining & restaurants — 3x on dining worldwide, including eligible delivery services.
1x Everything else — All other purchases. No points on purchases covered by the travel/dining credits.
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Subject to Chase 5/24; cannot hold both Sapphire Reserve and Sapphire Preferred. Overhauled June 23, 2025: annual fee $550 -> $795 (AU $75 -> $195); earning changed to 8x Chase Travel, 4x flights and hotels booked direct, 3x dining, 1x everything else (the old 3x general travel/transit and 10x Chase Dining are gone, so Uber, transit, rental cars, cruises and OTA bookings earn 1x); Chase Travel redemptions fell from a flat 1.5 cents to 1 cent per point with Points Boost up to 2 cents on select bookings. The card still transfers 1:1 to Hyatt (unaffected by the 2026 4:3 change to Sapphire Preferred/Ink Preferred). 2026 additions: The Edit $500 credit began Jan 1, 2026; $250 select Chase Travel hotels credit through Dec 31, 2026; DFW and LAX Sapphire Lounges; Marriott Gold registration July 1 - Sept 30, 2026. Time-limited perks: IHG Platinum through 12/31/2027; StubHub credit through 12/31/2027; Lyft $10/month + 5x through 9/30/2027; Peloton $10/month + 10x through 12/31/2027; Apple TV/Music activation by 6/22/2027; DashPass/DoorDash promos activation by 12/31/2027. Many credits are calendar-half or monthly and require activation, so realistic value is well below the ~$3,000 headline. 2026-10-01: new $15/month DoorDash credit on any order added (Kudos blog, Sept 2026); the two $10 non-restaurant promos and DashPass continue.
8x Chase Travel, 5x Lyft, 4x flights & hotels direct, 3x ads$300 travel + $500 The Edit + $250 select hotels (2026)$200 Google Workspace, $400 ZipRecruiter, $100 Giftcards.comSapphire Lounges + Priority Pass, IHG Platinum$795 fee; 200k after $30k/6 mo
Statement credits
$500 The Edit hotel credit
Up to $500 per calendar year (up to $250 per transaction, 2-night minimum) on prepaid The Edit stays booked through Chase Travel · hard to use
$300 /anniversary Annual travel credit
Up to $300 in statement credits on travel purchases each account anniversary year · easy to use
$250 Select Chase Travel hotels credit
Through 12/31/26 only: up to $250 on prepaid 2-night-minimum stays at select Chase Travel hotels (IHG, Montage, Pendry, Omni, Virgin, Minor, Pan Pacific) · hard to use
$200 Google Workspace credit
Up to $200 in statement credits each calendar year on purchases made directly with Google Workspace, through 12/31/27 · medium to use
$200 /semiannual ZipRecruiter credit
Up to $200 Jan-Jun and up to $200 Jul-Dec on ZipRecruiter purchases, through 12/31/27 · hard to use
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS
One statement credit of up to $120 every four years for the application fee · easy to use
$50 /semiannual Giftcards.com credit
Up to $50 Jan-Jun and up to $50 Jul-Dec on curated gift cards at reservebusiness.giftcards.com, through 10/31/28 · easy to use
$20 /month DoorDash grocery/retail promos
Two $10 monthly DoorDash promos on grocery/retail (non-restaurant) orders through 12/31/27; requires DashPass activation · medium to use · enroll
$10 /month Lyft credit
Up to $10 in monthly Lyft in-app credits (up to $120/yr) through 9/30/27; link the card in the Lyft app · medium to use · enroll
$5 /month DoorDash restaurant promo
$5 monthly DoorDash promo on restaurant orders through 12/31/27; requires activating complimentary DashPass by 12/31/27. Doctor of Credit (9/1/26) reports this becomes a $15 any-order credit from 10/1/26, presumably on the business card too (unconfirmed) · easy to use · enroll
Perks
No foreign transaction fees
Chase Sapphire Lounge by The Club + Priority Pass Select
Primary cardmember plus up to two guests; 1,300+ Priority Pass lounges. Employee cardmembers are excluded (may enter as guests).
Air Canada Maple Leaf Lounges and Cafes
U.S., Canada and Europe with a same-day Star Alliance boarding pass, plus one guest
1:1 transfers to Chase airline and hotel partners
Points Boost: up to 2x value on select flights and hotels via Chase Travel
Promotional, subject to refresh
IHG One Rewards Platinum Elite through 12/31/27
Link your IHG account; Diamond Elite after $120,000 calendar-year spend
$120,000 calendar-year spend unlocks: $500 Southwest Chase Travel credit, $500 The Shops at Chase credit, IHG Diamond Elite, World of Hyatt Explorist, Southwest A-List
Benefits run for the rest of the earning year plus the following year
DoorDash DashPass (activate by 12/31/27)
Access to Sapphire Reserve Exclusive Tables on OpenTable (Visa Dining Collection)
Access only; the business card has no dining statement credit
Visa Infinite Concierge
Primary auto rental coverage when renting for business purposes
Up to $75,000 for theft and collision, U.S. and abroad
Cell phone protection
Up to $1,000 per claim, $100 deductible, max 3 claims per 12 months
Emergency evacuation up to $100,000
Emergency medical/dental up to $2,500 ($50 deductible)
Return protection
Up to $500 per item, $1,000 per 12 months
Employee cards at no additional cost; pay-in-full card with Flex for Business
Protections
Purchase protection
120 days, up to $10,000 per item
Extended warranty
+1 year on warranties of 3 years or less
Return protection
Up to $500 per item / $1,000 per 12 months
Trip cancellation / interruption
Up to $10,000 per covered traveler / $20,000 per trip
Trip delay
Up to $500 per covered traveler after 6 hours
Baggage delay
Up to $100/day for 5 days
Lost luggage
Up to $3,000 per covered traveler
Rental car collision
primary
Cell phone protection
Up to $1,000 per claim ($100 deductible), 3 claims per 12 months
Roadside assistance
Roadside dispatch (pay-per-use)
Travel accident
Up to $500,000
Earning, approval rules & sources
8x Chase Travel portal Issuer travel portal — 8x on all purchases through Chase Travel, including The Edit (airfare, hotels, car rentals, cruises, activities and tours)
5x Lyft Rideshare — 5x total points on Lyft rides purchased through the Lyft app through 9/30/27
4x Airfare (booked direct) — Flights booked direct with the airline
4x Hotels (booked direct) — Hotels booked direct with the hotel
3x Advertising — Social media and search engine advertising
1x Everything else — Purchases that qualify for statement credits do not earn points
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Business card. Purchases that qualify for statement credits do not earn points. 5x Lyft through 9/30/27. The $300 travel credit runs on the account anniversary year; The Edit, Google Workspace, ZipRecruiter and Giftcards.com credits run on calendar-year / Jan-Jun / Jul-Dec cycles. Unlike the personal Sapphire Reserve, the business card has NO StubHub/viagogo, Exclusive Tables dining, Apple TV+/Apple Music or Peloton credits; it gets Google Workspace, ZipRecruiter and Giftcards.com credits instead (all end 12/31/27 or 10/31/28). Rental car coverage is primary only when renting for business purposes. Employee cardmembers get no lounge access. Doctor of Credit (9/1/26) reports the $5 DoorDash restaurant promo becomes a $15 any-order credit on 10/1/26, presumably including the business card; not yet confirmed by Chase. Web-verified 2026-09-08 against https://creditcards.chase.com/business-credit-cards/sapphire/reserve.
Requires a banking/wealth relationshipmedium confidence
Not open to the public: only J.P. Morgan Private Bank clients can get it, by invitation or on request through their private banker. Chase publishes no asset minimum. Reviews report roughly $10 million+ in assets managed with J.P. Morgan (Upgraded Points, WalletHub); AskSebby reports about $5 million+; View from the Wing notes some clients have gotten in with less. Existing Chase Palladium cardholders were converted to this card, and there was a brief public application window around 2016 that is now closed. [1][2][3]
Fee: $195 per authorized user. Went up with the June 2025 Sapphire Reserve overhaul ($595 in 2023 per View from the Wing). No initiation fee reported.
Annual fee
$795
Credits / yr
$1,670
$948 realistic
Credits beat fee by
+$153
J.P. Morgan Private Bank clients only (~$10M+ reported)Sapphire Reserve earning: 8x Chase Travel, 4x flights/hotels direct, 3x diningUnited Club membership + Sapphire Lounges + Priority Pass$300 travel, $500 The Edit, $300 dining, $300 StubHub credits$795 fee; not reported as a normal personal tradeline
Statement credits
$300 /anniversary Annual travel credit
Up to $300 in statement credits each account anniversary year on travel purchases. · easy to use
$250 /semiannual The Edit hotel credit
Up to $500 a year, as $250 per half-year, for prepaid stays booked through The Edit by Chase Travel (the Sapphire Reserve version requires 2+ nights). · hard to use
$150 /semiannual Exclusive Tables dining credit
$300 a year: up to $150 Jan-Jun and $150 Jul-Dec at Sapphire Reserve Exclusive Tables restaurants on OpenTable. · medium to use · enroll
$150 /semiannual StubHub / viagogo credit
$300 a year (CardPointers) through Dec 31, 2027, assumed to be split $150 per half-year like the Sapphire Reserve's. Activation required. · medium to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS fee credit
Up to $120 every four years. · easy to use
$10 /month Lyft credit
$120 a year ($10 a month) in Lyft credit through Sept 30, 2027. · medium to use · enroll
$10 /month Peloton membership credit
$120 a year ($10 a month) toward Peloton memberships through Dec 31, 2027. · hard to use · enroll
Perks
No foreign transaction fees
J.P. Morgan Reserve United Club Access Membership
Since Jan 15, 2026: unlimited United Club access for the primary cardmember, plus 1 adult guest or dependent children under 21. Upgrades to All Access (2 adult guests plus Star Alliance and partner lounges) for years with United Premier Gold or higher. This is what the Sapphire Reserve does not have.
Chase Sapphire Lounges
Sapphire Lounges by The Club with up to 2 guests.
Priority Pass Select
1,300+ lounges; activated when the account opens.
$500 The Edit credit
See credits. The Edit stays also come with Chase's standard Edit perks.
$300 Exclusive Tables dining credit
See credits.
$300 StubHub credit
See credits.
$120 Lyft credit
See credits.
$120 Peloton credit
See credits.
Apple TV + Apple Music
Complimentary subscriptions (~$250 value) through June 22, 2027.
DashPass (12 months)
Complimentary DoorDash DashPass (~$120 value).
$300/year DoorDash promos
In-app DoorDash promos through Dec 31, 2027 (CardPointers).
Ultimate Rewards transfer partners
Earns Chase Ultimate Rewards points, transferable to Chase airline and hotel partners.
J.P. Morgan Reserve concierge
Dedicated concierge (a step up from Visa Infinite concierge, per reviews) for hard-to-get dining, travel and shopping requests; you still pay for what it books.
Not reported as a normal personal tradeline
Reviewers say the account generally does not show up as a regular revolving tradeline on credit reports, so large balances do not affect utilization.
Metal card
Heavy J.P. Morgan-branded metal card; it replaced the Chase Palladium card.
Auto rental collision damage waiver
Reviews say the travel protections match the Sapphire Reserve's (primary CDW). J.P. Morgan-specific limits not confirmed.
Trip cancellation / interruption insurance
Included; limits assumed to match the Sapphire Reserve's.
Trip delay reimbursement
Included.
Baggage delay insurance
Included.
Lost luggage reimbursement
Included.
Travel accident insurance
Included.
Protections
Trip cancellation / interruption
Included (Sapphire Reserve: up to $10,000 per traveler / $20,000 per trip; not confirmed for this card)
Trip delay
Included (Sapphire Reserve: up to $500 after 6 hours; not confirmed for this card)
Baggage delay
Included (limits not confirmed)
Lost luggage
Included (limits not confirmed)
Rental car collision
primary
Travel accident
Included (limits not confirmed)
Earning, approval rules & sources
8x Chase Travel portal Issuer travel portal — 8x on all purchases through Chase Travel, including The Edit.
4x Airfare (booked direct) — 4x on flights booked direct with the airline.
4x Hotels (booked direct) — 4x on hotels booked direct with the hotel.
3x Dining & restaurants — 3x on dining worldwide.
1x Everything else — All other purchases. The Sapphire Reserve's promo 5x Lyft and 10x Peloton rates were not confirmed for this card, so they are not filed.
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Essentially a Chase Sapphire Reserve for J.P. Morgan Private Bank clients. It adopted the June 2025 Sapphire Reserve overhaul: $795 fee; 8x Chase Travel, 4x flights and hotels booked direct, 3x dining; the Sapphire Reserve's credit suite. On top of that it adds a United Club membership (moved to the J.P. Morgan Reserve United Club Access Membership on Jan 15, 2026, when the base membership went from 2 adult guests to 1), a stronger concierge, and non-standard credit reporting. There is no public Chase or J.P. Morgan product page, so everything here comes from reviews and aggregators (CardPointers, AskSebby, Upgraded Points). Upgraded Points' comparison still lists the old 10x/5x/3x earn rates, which are out of date. Not confirmed for this card, so left out: the Sapphire Reserve's $250 select-Chase-Travel-hotels credit (through 12/31/2026), the new $15/month DoorDash credit (Oct 2026), the $75,000-spend unlocks (IHG Diamond, Hyatt Explorist, Southwest A-List), IHG Platinum status, the 5x Lyft and 10x Peloton earn rates, and the exact limits on purchase and travel protections.
Open application via luxurycard.com (issued by Barclays). Reported to need good-to-excellent credit, roughly 700-720+ FICO; no published income minimum. [1][2][3]
Up to $200 in annual statement credits toward flight-related purchases, including airline tickets, baggage fees, upgrades and more · easy to use
$120 /one time Global Entry / TSA PreCheck
Statement credit up to $120 as reimbursement for a Global Entry or TSA PreCheck application fee (renewal frequency not stated on the card page) · easy to use · enroll
$100 Dining credit
Up to $100 in annual statement credits when using the card at qualified restaurants worldwide; no enrollment or third-party apps required (the qualifying restaurant list is not published on the card page) · medium to use
Perks
No foreign transaction fees
Priority Pass Select
1,800+ lounges; guests included per luxurycard.com (reviews: unlimited guest visits)
Luxury Card Travel hotel benefits
Average $750 value per stay at 3,000+ properties: daily breakfast for two, room upgrade at check-in, early check-in/late check-out, resort credits
Luxury Card Concierge
24/7 by call, email, text or chat
Trip cancellation / interruption
Up to $5,000 per insured person
Baggage delay
$100/day, max 3 days, after 4 hours
Travel accident insurance
Up to $250,000
MasterRental secondary coverage
Cell phone protection
When the monthly phone bill is paid with the card; reported $800/claim, $1,000/yr, $50 deductible
Lyft and Peacock perks
$5 Lyft credit after 3 rides in a month (through 2027-01-31); $3/month off Peacock Premium/Premium Plus (through 2027-12-31)
Priceless Golf
Access to 1,000+ private country clubs
0% intro APR on balance transfers
15 months on transfers made within 45 days of opening (5% fee, min $5); then 19.49%-27.49% variable
Protections
Trip cancellation / interruption
Up to $5,000 per insured person
Baggage delay
$100/day, max 3 days, after a 4+ hour delay
Rental car collision
secondary
Cell phone protection
Pay the monthly bill with the card; reported up to $800/claim, $1,000/yr, $50 deductible (AIG)
Travel accident
Up to $250,000
Earning, approval rules & sources
2x Issuer travel portal — 2x on airfare and hotel reservations booked through LuxuryCardTravel.com
WEB-VERIFIED 2026-09-23 against luxurycard.com. Marketed by Luxury Card (Black Card LLC), issued by Barclays. Points: 1x everywhere, 2x only on airfare/hotels booked via LuxuryCardTravel.com; no transfer partners; points never expire. Black redeems at 2% for airfare but only 1.5% for cash back (50,000 points = $1,000 airfare / $750 cash back). The shared luxury_card_points currency uses 1.5¢ cash / 2¢ airfare, which matches this card. No welcome bonus. Card is stainless steel, 22 g. Cell phone protection limits are from secondary sources (official page gives none); no purchase protection or extended warranty is listed on the card page.
Fee: Up to 3 authorized users at $175 each (each with Admirals Club access)
Annual fee
$695
Credits / yr
$810
$348 realistic
Net cost
$347
Welcome bonus
125,000 miles
≈ $2,062 at travel value
4x American (5x after $150k)Admirals Club membership$500 AA Vacations, $180 Lyft, $100 inflight, $120 GE credits$695 fee
Statement credits
$500 American Airlines Vacations credit
Two $250 credits per year on AA Vacations packages · hard to use
$120 /every 4 years Global Entry / TSA PreCheck
Fee reimbursement · easy to use · enroll
$100 Inflight and Admirals Club credit
Up to $100/yr on inflight purchases and Admirals Club spend · medium to use
$15 /month Lyft credit
Up to $15/month after three eligible Lyft rides in the month ($180/yr) · medium to use · enroll
Perks
No foreign transaction fees
Admirals Club membership (you + guests)
First checked bag free (you + 8 companions)
Priority check-in, screening and boarding
10,000 Loyalty Point bonuses at $50k and $90k spend
Protections
Trip delay
Up to $500 after 6 hours
Baggage delay
Up to $100/day
Lost luggage
Up to $3,000
Rental car collision
secondary
Earning, approval rules & sources
12x Issuer travel portal — 12x on AAdvantage Hotels and AAdvantage Cars bookings
4x American Airlines Airfare (booked direct) — 4x American Airlines purchases (5x after $150,000 spend in a calendar year)
1x Everything else
Citi approval rules:1/8 and 2/65 · 48-month rule (ThankYou / AAdvantage) · 6/6
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/citi-aadvantage-executive-review/: $695 fee, 4x AA (5x after $150k), 12x AAdvantage Hotels/Cars, credits above, Admirals Club membership, first bag free for 9, Loyalty Point bonuses at 50k/90k/165k/240k, 125k after $15k, no FTF (TPG, Sep 4 2026). Protections still from model knowledge.
Fee: Raised from $525 in the 2025-03-24 refresh (new applicants immediately; existing cardholders on renewals from 2025-08-01). Not waived first year.
Annual fee
$695
Credits / yr
$920
$564 realistic
Net cost
$131
Welcome bonus
80,000 miles
≈ $1,080 at travel value
United Club membership (you + 1 guest; All Access tier after Premier Gold or $50k spend)5x miles on United purchases; 2x travel and diningFirst and second checked bags free for you and a companion; Premier AccessUp to 28,000 PQP/year from spend plus 1,500 bonus PQP each year$150 rideshare, $240 Instacart, $200 Renowned Hotels, $100 Avis/Budget, $200 JSX creditsIHG Platinum Elite status; up to two 10,000-mile award discounts per year
Statement credits
$200 /anniversary Renowned Hotels and Resorts credit
Up to $200 back per anniversary year on prepaid ('Pay Now') stays booked through Renowned Hotels and Resorts for United Cardmembers; posts in 6-8 weeks. · medium to use
$200 /anniversary JSX credit
Up to $200 back as a statement credit each anniversary year on purchases made directly with JSX (semi-private air carrier). · hard to use
$150 Rideshare credit
Up to $12 back each month January-November and up to $18 in December on rideshare purchases (up to $150 per calendar year). Yearly enrollment required; posts in 6-8 weeks. · easy to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS fee credit
Up to $120 statement credit once every 4 years for a Global Entry, TSA PreCheck or NEXUS application fee charged to the card. · easy to use
$100 /anniversary Avis/Budget rental credit
$50 in United TravelBank cash for each of your 1st and 2nd Avis or Budget rentals booked through cars.united.com with the United cardmember discount code (up to $100 per anniversary year). · medium to use
$20 /month Instacart credit
Two $10 Instacart credits each month (up to $240 per calendar year) on purchases made directly with Instacart; requires activating the complimentary Instacart+ membership. Benefit ends 12/31/2027. · medium to use · enroll
Perks
United Club membership
Full United Club membership ($750+ value) for the primary cardmember plus one adult guest or one adult guest and dependent children under 18 (reduced from two adults/under-21 dependents in the 2025 refresh; Star Alliance lounge access dropped from standard membership). United Club All Access - two adult guests, Star Alliance lounges, and 4 one-time passes per year for authorized users - is earned by reaching Premier Gold or spending $50,000 in a calendar year, good for the rest of that year and the next.
First and second checked bags free
Primary cardmember and one companion on the same reservation each check two standard bags free on United/United Express flights (up to $440 per roundtrip) when the ticket is bought with the card.
Premier Access travel services
Priority check-in, security screening, boarding and baggage handling (where available) for the primary cardmember and companions on the same reservation.
Earn PQP toward Premier status
1 Premier Qualifying Point per $15 spent, up to 28,000 PQP per calendar year (cap was 15,000 before the 2025 refresh), plus 1,500 bonus PQP each year awarded within 8 weeks of February 1 starting in 2026; counts up to Premier 1K.
Award flight discounts
10,000-mile award flight discount after each $20,000 in calendar-year purchases, up to two per year ($40,000 spend); each expires 12 months after issue. Replaced the previous two 5,000-mile award rebates. Also 10% or more off award pricing (15% for Premier members).
Global Entry / TSA PreCheck / NEXUS credit
Up to $120 every 4 years.
25% back on United inflight and Club premium drink purchases
Statement credit for food, beverages and Wi-Fi on United-operated flights and premium drinks in United Clubs; posts within 24 hours.
IHG One Rewards Platinum Elite status
Complimentary Platinum Elite status while the card account stays open; primary cardmember must register their IHG number.
Avis President's Club
Eligible to enroll in Avis President's Club (two-car-class upgrades, guaranteed availability, expedited service).
$200 Renowned Hotels and Resorts credit
Plus Renowned member perks: $100 property credit, daily breakfast for two, Wi-Fi, room upgrade and early/late check-in/out when available.
$150 rideshare credit
$12/month Jan-Nov, $18 in December; annual enrollment required.
$240 Instacart credit
Two $10 credits per month through 12/31/2027.
Complimentary Instacart+ membership
Complimentary Instacart+ through 12/31/2027 ($0 delivery fees on eligible orders over $35).
No foreign transaction fees
Visa Infinite Concierge
24/7 personalized assistance for travel, dining, and entertainment.
Primary rental car collision coverage
Primary coverage up to $60,000 for theft and collision on most rentals with MSRP of $125,000 or less when you decline the rental company's CDW and pay with the card (secondary inside the U.S. for NY residents).
Trip cancellation / interruption insurance
Up to $10,000 per traveler / $20,000 per trip.
Trip delay reimbursement
Up to $500 per traveler when a common carrier is delayed 12+ hours or overnight.
Baggage delay insurance
Up to $100/day for 3 days after a 6+ hour delay.
Lost luggage reimbursement
Up to $3,000 per traveler.
Purchase protection
120 days, up to $10,000 per item.
Return protection
90 days, up to $500 per item / $1,000 per 12 months when the store won't take a return.
Extended warranty
Extends U.S. manufacturer warranties of 3 years or less by 1 additional year.
Protections
Purchase protection
120 days, up to $10,000 per item (90 days for NY residents)
Extended warranty
+1 year on warranties of 3 years or less (up to 4 years total)
Return protection
90 days, up to $500 per item / $1,000 per 12-month period
Trip cancellation / interruption
Up to $10,000 per traveler / $20,000 per trip
Trip delay
Up to $500 per traveler after 12 hours or overnight delay
Baggage delay
Up to $100/day for 3 days after 6 hours
Lost luggage
Up to $3,000 per traveler ($2,000 per bag / $10,000 per trip for NY residents)
Rental car collision
primary
Earning, approval rules & sources
5x United Airlines Airfare (booked direct) — 5x miles on all other eligible United purchases (seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, bag fees). Chase advertises '11x total miles on eligible United flights' = 6x base MileagePlus flying miles + 5x from the card; Basic Economy earns fewer base miles. Marked NEW on Chase's page in 2026 (was 4x).
5x Issuer travel portal — 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts (a Chase Travel-powered luxury hotel collection). Taxonomy has no 'renowned_hotels' merchant key, so merchant is null; ordinary Chase Travel bookings earn only 2x as travel.
2x Travel (general) — 2x miles on all other travel: airfare, trains, transit, cruises, hotels, car rentals, rideshare, tolls
2x Dining & restaurants — 2x miles on dining including eligible delivery services
1x Everything else — 1x mile on all other purchases
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Premium United card, Visa Infinite; formerly marketed as the United Club Infinite Card and now branded simply 'United Club Card' on Chase's site. United/Chase refreshed the lineup on 2025-03-24: annual fee $525 -> $695 (existing cardholders from 2025-08-01); standard United Club guest policy cut to one adult guest (or one adult plus dependents under 18) with Star Alliance lounge access moved to the new All Access tier (Premier Gold or $50,000 calendar-year spend); the two 5,000-mile award rebates were replaced by up to two 10,000-mile award discounts (one per $20,000 spend); PQP cap raised to 28,000 with a 1,500 PQP annual bonus from 2026; new partner credits added (Renowned Hotels $200, rideshare $150, Avis/Budget $100, Instacart $240 through 12/31/2027, JSX $200). Chase's page in 2026 marks 5x on United purchases (up from 4x) as NEW. The 5x Renowned Hotels rate is filed under travel_portal with no merchant key because the taxonomy lacks a Renowned Hotels merchant; it does not apply to other Chase Travel bookings. Chase 5/24 rule applies.
$25/month at restaurants worldwide · easy to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck
Fee reimbursement · easy to use · enroll
$100 Ritz-Carlton / St. Regis property credit
$100 on 2+ night paid stays at Ritz-Carlton or St. Regis booked via the card site · hard to use
Perks
No foreign transaction fees
Marriott Bonvoy Platinum Elite + 25 elite night credits
Annual Free Night Award (up to 85,000 pts)
Priority Pass Select
Protections
Purchase protection
90 days, up to $10,000 per occurrence
Extended warranty
+1 year
Trip cancellation / interruption
Up to $10,000 per trip
Trip delay
Up to $500 per trip after 6 hours
Lost luggage
Up to $3,000
Rental car collision
secondary
Earning, approval rules & sources
6x Marriott Hotels (booked direct)
3x Dining & restaurants — Restaurants worldwide
3x Airfare (booked direct) — Booked directly with airlines
2x Everything else
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/marriott-bonvoy-brilliant-amex-card-review/: $650, 6x Marriott, 3x restaurants and flights direct, 2x else, $25/mo dining credit, $100 Ritz/St. Regis property credit, $120 GE, 85k free night (top-up to 110k), Platinum Elite + 25 nights, Priority Pass with 2 guests (TPG, Aug 8 2026). Protections still from model knowledge.
2x travel and dining, 1.5x else (up to 3.5x / 2.625x with Premier tier)$300 airline incidental + $150 lifestyle credits yearly, $120 Global Entry/TSA every 4 yrsPriority Pass Select (+2 guests, authorized users too)20% off airfare paid with points$550 fee
Statement credits
$300 Airline incidental credits
Up to $300 per calendar year in statement credits for qualifying airline incidental charges: seat upgrades, baggage fees, in-flight services, airline lounge fees. Posts automatically; airfare itself does not qualify. · medium to use
$150 Lifestyle credits
Up to $150 per calendar year for video streaming, food delivery, fitness subscriptions and rideshare services (posts automatically 2-3 weeks after a qualifying charge; DoC reports Netflix, Hulu, HBO Max, DoorDash, Uber, Lyft, Planet Fitness work; Spotify, Audible, Instacart did not). · easy to use
$120 /every 4 years Global Entry / TSA PreCheck
Up to $120 statement credit for a Global Entry or TSA PreCheck application fee every 4 years (issuer advertises 'up to $570 in combined Airline Incidental, TSA PreCheck/Global Entry, and Lifestyle Statement Credits' = $300 + $150 + $120). · easy to use
Perks
No foreign transaction fees
Priority Pass Select — cardholder plus up to 2 guests per visit; membership also extended to authorized users (up to 3 additional memberships)
20% off airfare when paying with points through BofA Travel Center (~1.2 cents/point)
BofA Rewards (formerly Preferred Rewards) bonus: +10% Member / +25% Preferred Plus ($30k) / +50% Preferred Honors ($100k) / +75% Premier ($1M) — set your tier in Settings
Tiers restructured 2026-05-27; the top 75% boost now requires $1M in combined BofA/Merrill balances.
Visa Infinite Concierge
Visa Infinite Luxury Hotel Collection and NetJets private-flying access
Protections
Purchase protection
90 days, up to $10,000 per claim / $50,000 per cardholder
Extended warranty
Doubles the manufacturer's warranty, up to 1 additional year
Return protection
Up to $300 per item, $1,000 per year
Trip cancellation / interruption
Up to $2,500
Trip delay
Up to $500 per ticket
Baggage delay
Up to $100/day, max 5 days
Lost luggage
Up to $3,000
Rental car collision
primary
Travel accident
Up to $1,000,000
Earning, approval rules & sources
2x Travel (general) — Issuer: 'travel and dining purchases'
2x Dining & restaurants — Issuer: 'travel and dining purchases'
1.5x Everything else
Bank of America approval rules:2/3/4 · Preferred Rewards
BofA Rewards / Preferred Rewards tiers were restructured effective 2026-05-27 (Member +10%, Preferred Plus $30k +25%, Preferred Honors $100k +50%, Premier $1M +75%); with Premier the card earns 3.5x travel/dining and 2.625x elsewhere. Set your tier in Settings. Credits total $570 per the issuer ($300 airline incidental + $150 lifestyle per calendar year, $120 Global Entry/TSA PreCheck every 4 years). Web-verified 2026-09-08 against https://www.bankofamerica.com/credit-cards/ (issuer hub; product page /credit-cards/products/premium-rewards-elite-credit-card/ was returning 'temporarily unavailable') and https://info.bankofamerica.com/en/rewards/bofa-rewards (tiers), plus Upgraded Points review (2026-08-18) and Doctor of Credit (2026-05-11).
14x Hilton, 7x flights, car rentals, U.S. restaurants, 3x everything elseDiamond status + annual Free Night Reward (up to 250k pts)$400 resort + $200 flight + $219 CLEAR credits$550 fee, no foreign fees
Statement credits
$400 Hilton resort credit
Up to $200 in statement credits semiannually (Jan-Jun and Jul-Dec) for eligible purchases made directly with participating Hilton resorts on the Aspire-specific resort list; no enrollment · hard to use
$219 CLEAR Plus credit
Up to $219 per calendar year in statement credits when you pay for a CLEAR Plus membership with the card · medium to use · enroll
$200 Flight credit
Up to $50 in statement credits each quarter on eligible flight purchases booked directly with airlines or through Amex Travel; no enrollment · easy to use
$100 Waldorf Astoria / Conrad property credit
$100 on-property credit at Waldorf Astoria and Conrad hotels on stays of 2+ nights booked with an eligible rate via HiltonHonorsAspireCard.com (points stays and member discounts do not qualify) · hard to use · enroll
Perks
No foreign transaction fees
Hilton Honors Diamond status
Annual Free Night Reward (+1 after $30,000, +1 after $60,000 spend in a calendar year)
Free Night Reward issued each card anniversary, usable at properties up to 250,000 points per night
National Car Rental Emerald Club Executive status
Enrollment required
Cell phone protection
Up to $800 per claim with a $50 deductible when the monthly wireless bill is paid with the card
Up to $219/yr CLEAR Plus credit
Protections
Purchase protection
90 days, up to $10,000 per occurrence
Extended warranty
+1 year
Trip cancellation / interruption
Up to $10,000 per trip
Trip delay
Up to $500 per trip after 6 hours
Lost luggage
Up to $3,000
Rental car collision
secondary
Cell phone protection
Up to $800 per claim, $50 deductible
Earning, approval rules & sources
14x Hilton Hotels (booked direct) — Eligible purchases at participating hotels or resorts within the Hilton portfolio
7x Airfare (booked direct) — Flights booked directly with airlines or through American Express Travel
7x Rental cars — Car rentals purchased directly from select car rental companies
7x Dining & restaurants — U.S. restaurants
3x Everything else
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
Priority Pass Select lounge membership was discontinued effective 2024-01-31 (Doctor of Credit 2023-10-19), when the fee rose to $550 and the resort/flight/CLEAR credits took their current form. Since Sept 2024 the resort credit only triggers at properties on the Aspire-specific resort list (~260 properties), not every hotel on Hilton's general resort page (Doctor of Credit 2024-09-23). Trip delay/cancellation, baggage, purchase protection and extended warranty amounts are not yet verified against a fetched page. Amex product page is a JS template and could not be read; web-verified 2026-09-08 against https://onemileatatime.com/guides/hilton-aspire-card/ (updated 2026-07-30) and https://upgradedpoints.com/credit-cards/reviews/hilton-honors-american-express-aspire-card/ (2026-08-21).
$400/yr as two $200 semiannual credits on 2+ night stays booked through Bilt Travel · medium to use
$200 Bilt Cash
$200 Bilt Cash deposited at approval, then every January 1 · medium to use
Perks
No foreign transaction fees
Priority Pass lounge access (1,300+ lounges)
Bilt transfer partners
Earn on housing with no transaction fee
Protections
Purchase protection
Purchase assurance (limits not shown)
Trip cancellation / interruption
Trip cancellation and interruption protection (limits not shown)
Trip delay
Trip delay reimbursement (limits not shown)
Rental car collision
secondary
Cell phone protection
Cellular wireless telephone protection (limits not shown)
Earning, approval rules & sources
4x Bilt Travel portal Issuer travel portal — 4x hotels through Bilt Travel; flights through Bilt Travel earn 3x
4x Lyft Rideshare
2x Dining & restaurants — Up to 5x at Bilt dining partners; other dining earns the 2x everyday rate
2x Everything else — 2x on all everyday purchases
1x Rent — Up to 1.25x on housing with the housing-only rewards option; no transaction fee
1x Mortgage — Same as rent
From bilt.com/card and bilt.com/card/palladium fetched 2026-09-08 (World Legend Mastercard issued by Column N.A.) (issuer/network, protections, FTF and welcome bonus not shown on that page — Mastercard issued by Column N.A. per bilt.com/card/palladium). Housing (rent/mortgage/HOA) earns up to 1.25x with the housing-only rewards option and has no transaction fee.
Closed to new applicants since about 2018. You can only get it by product-changing (upgrading) a Chase Marriott Bonvoy personal card - Boundless, Bold or Bountiful - that you have held for at least 12 months: call Chase and ask. TPG also reports you need roughly a 670+ credit score and a $10,000+ credit line. No welcome bonus is offered on a product change. [1][2][3]
Fee: $450 (TPG 2026-08-10, Upgraded Points 2026-03-13). Authorized users are free and each gets their own Priority Pass Select membership.
Annual fee
$450
Credits / yr
$330
$210 realistic
Net cost
$240
Annual Free Night Award up to 85,000 points (top up with 25k)$300/yr airline incidental credit (you request it from Chase)Priority Pass + Sapphire Lounges, 2 free guests; free authorized users get their ownMarriott Gold Elite, 15 Elite Night Credits, 3 Club Level upgrades6x Marriott, 3x flights/car rental/dining, 2x everything elseProduct change only, from a Chase Marriott card held 12+ months
Up to $300 a year in statement credits for airline incidentals: seat upgrades, checked-bag fees, in-flight services (Wi-Fi, food/drink), airline lounge day passes or annual lounge memberships. Not airfare. Not automatic: you ask Chase (phone or secure message) for the credit within 4 billing cycles of the purchase (Chase benefits page; TPG 2026-08-10). · medium to use · enroll
$120 /every 4 years Global Entry / TSA PreCheck credit
One statement credit of up to $120 per card every 4 years for the Global Entry or TSA PreCheck application fee charged to the card (Chase benefits page). · easy to use
Perks
Annual Free Night Award (up to 85,000 points)
Issued after each account anniversary. Good for one night in a standard room at a property costing up to 85,000 points; you can add up to 25,000 of your own points for a pricier hotel (Chase benefits page). Resort fees may apply at some hotels.
Priority Pass Select for cardholder and each authorized user
Access to 1,300+ Priority Pass lounges. From 2026-01-15 each cardmember or authorized user may bring up to 2 guests free and pays $27 for each extra guest; before that, guests were unlimited (Chase secure message 2025-12-12, reported by Frequent Miler, Upgraded Points and Doctor of Credit). Free authorized users each get their own membership.
Chase Sapphire Lounges by The Club
Free entry to Chase Sapphire Lounges for the cardholder and authorized users, with the same 2-free-guest rule as Priority Pass (Chase benefits page).
Automatic Marriott Bonvoy Gold Elite; Platinum at $75,000 spend
Gold Elite every year: 25% Elite bonus points and 2 p.m. late checkout when available (Chase benefits page). TPG reports Platinum Elite after $75,000 in purchases in a calendar year.
15 Elite Night Credits every calendar year
15 Elite Night Credits deposited on or before March 1 each calendar year (Chase benefits page). Elite Night Credits post from only one Marriott personal card per year.
3 Ritz-Carlton Club Level upgrades a year
Three certificates to upgrade to The Ritz-Carlton Club on qualifying paid stays each account anniversary year, up to 7 nights per stay (Chase benefits page).
$100 on-property credit at Ritz-Carlton / St. Regis
$100 credit toward dining, spa or other hotel activities on a qualifying paid stay of 2+ nights at The Ritz-Carlton or St. Regis (Chase benefits page). This is a per-stay credit on the hotel bill, not a Chase statement credit, so it is not counted in the credit total.
Rental car elite status (Visa Infinite)
TPG (2026-08-10) lists complimentary Avis Preferred Plus, Hertz Gold Plus Rewards and National Emerald Club Executive status through Visa Infinite. Not on Chase's Ritz benefits page.
No foreign transaction fees
Marriott Bonvoy airline transfers
Points go into your Marriott Bonvoy account and transfer to Marriott's airline partners, usually at 3:1.
Primary auto rental collision damage waiver
Primary coverage up to $75,000 for theft and collision damage on most rentals when you decline the rental company's CDW and pay with the card (Chase benefits page).
Trip cancellation / interruption insurance
Up to $10,000 per covered traveler and $20,000 per trip for prepaid, non-refundable fares cancelled or cut short for covered reasons such as sickness or severe weather.
Trip delay reimbursement
Up to $500 per covered traveler for meals, lodging and similar costs when a trip is delayed more than 6 hours or needs an overnight stay.
Baggage delay insurance
Up to $100 a day for up to 5 days when bags are delayed more than 6 hours.
Lost luggage reimbursement
Up to $3,000 per covered traveler for lost, damaged or stolen bags.
Emergency evacuation and transportation
Up to $100,000 for medical services and transportation if you are hurt or fall ill on a trip 100+ miles from home.
Emergency medical and dental
Up to $2,500 in medical expenses ($50 deductible) on a trip 100+ miles from home.
Travel accident insurance
Up to $1,000,000 accidental death or dismemberment.
Purchase protection
Covers new purchases against damage or theft for 120 days, up to $10,000 per item.
Extended warranty protection
Adds one year to eligible U.S. manufacturer warranties of 3 years or less, up to 4 years total.
Return protection
Reimbursement up to $500 per item and $1,000 per 12 months for eligible items a store won't take back within 90 days.
Roadside assistance (covered)
Up to $50 per incident, 4 times a year, for towing, jump-starts, tire changes, lockouts and fuel delivery.
Protections
Purchase protection
120 days, up to $10,000 per item against damage or theft
Extended warranty
+1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total)
Return protection
90 days, up to $500 per item / $1,000 per 12 months
Trip cancellation / interruption
Up to $10,000 per covered traveler / $20,000 per trip
Trip delay
Up to $500 per covered traveler after 6 hours or an overnight stay
Baggage delay
Up to $100/day for up to 5 days after 6 hours
Lost luggage
Up to $3,000 per covered traveler
Rental car collision
primary
Roadside assistance
Up to $50 per incident, 4 times a year
Travel accident
Up to $1,000,000 accidental death or dismemberment
Earning, approval rules & sources
6x Marriott Hotels (booked direct) — 6x at hotels participating in Marriott Bonvoy (incl. Ritz-Carlton and St. Regis). TPG counts up to 18.5x total with Bonvoy member base points and the Gold Elite bonus; only the card's 6x is filed here.
2x Everything else — 2x on all other purchases (TPG, Upgraded Points).
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Closed to new applicants; available only by product change from a Chase Marriott card held 12+ months. 2026 change: from 2026-01-15, lounge guests (Priority Pass and Chase Sapphire Lounges) are capped at 2 free per cardmember or authorized user, with $27 for each extra guest; they had been unlimited before (Frequent Miler, Upgraded Points, Doctor of Credit). Because authorized users are free and each gets their own Priority Pass, adding one is the workaround for larger groups. The $300 travel credit must be requested from Chase within 4 billing cycles; it is not applied automatically. Chase's benefits page does not list the fee or earn rates; those come from TPG (2026-08-10) and Upgraded Points (2026-03-13), which agree. The Doctor of Credit review found in search is from 2014 (the old $395 fee and 5x/1x earn) and was not used for current terms. The Platinum Elite at $75k spend and the Visa Infinite rental car status come from TPG only. Points do not expire as long as the Marriott Bonvoy account has activity at least every 24 months (general Bonvoy rule).
Closed to new applicants — only by keeping an existing account or a product change.
Annual fee
$400
Credits / yr
$350
$220 realistic
Net cost
$180
10x prepaid hotels/cars, 5x flights via U.S. Bank Travel Center3x travel; 3x mobile wallet (first $5k/billing cycle)$325 credit — Travel Center bookings only since Dec 2025Points now 1 cent each on travel (was 1.5)Priority Pass (4 visits + 4 guest)$400 fee — closed to new applicants
Statement credits
$325 /anniversary Travel Center credit
Up to $325 in automatic statement credits per cardmember year; since Dec 15, 2025 only travel booked through the U.S. Bank Travel Center qualifies (previously any travel or dining purchase) · medium to use
$100 /every 4 years Global Entry / TSA PreCheck
Up to $100 statement credit for the application fee once every 4 years when paid with the card · easy to use
First four cardholder visits and four accompanying-guest visits waived each membership year, then $27 per person per visit.
Global Entry / TSA PreCheck fee credit (up to $100 every 4 years)
12 free Gogo inflight Wi-Fi passes
Legacy launch benefit; not re-verified in 2026 — confirm before relying on it.
5% discount on gift card redemptions
Added with the Dec 15, 2025 program changes.
Protections
Purchase protection
Up to $10,000 per claim
Extended warranty
+1 year
Trip cancellation / interruption
Up to $2,000
Trip delay
Up to $500
Rental car collision
primary
Travel accident
Up to $1,000,000
Earning, approval rules & sources
10x Issuer travel portal — Since Dec 15, 2025: 10 points per $1 on prepaid car and hotel reservations booked through the U.S. Bank Travel Center; prepaid flights booked through the Travel Center earn 5x (was 5x hotels/cars before the change)
3x Travel (general) — Purchases made directly with airlines, hotels, car rentals, taxicabs, limousines, passenger trains and cruise line companies
3x Mobile wallet in-store (up to $5,000/month)— Apple Pay, Google Wallet, Samsung Pay: 3x on the first $5,000 of mobile wallet transactions each billing cycle, then 1x (cap added Dec 15, 2025; cap_period 'month' = one billing cycle)
1x Everything else
U.S. Bank approval rules:Inquiry sensitive · Existing relationship
Closed to new applicants since Nov 11, 2024; existing cardholders keep the card ($400 annual fee). Negative changes effective Dec 15, 2025: points now worth 1 cent (was 1.5 cents) when redeemed for travel or via Real-Time Rewards, so 3x travel/mobile wallet = ~3% back; the $325 annual credit now applies only to bookings through the U.S. Bank Travel Center (previously any travel or dining purchase); mobile wallet 3x capped at $5,000 per billing cycle then 1x; new 10x on prepaid hotels/cars and 5x on prepaid flights booked through the Travel Center; 5% discount on gift card redemptions. A 'Coming Soon: Points Transfer Feature' banner promised airline/hotel transfer partners but was removed May 11, 2026 with no partners ever going live. Statement credit redemptions remain 1 cent per point. Web-verified 2026-09-08 against https://rewards.usbank.com/benefits/card/AltitudeReserveBenefits/program-rules (earn rates) and https://www.doctorofcredit.com/u-s-bank-to-make-negative-changes-to-u-s-bank-altitude-reserve-travel-transfers-1%c2%a2-per-point-instead-of-1-5%c2%a2/ (credit and redemption changes).
Annual credit for Capital One Travel bookings · easy to use
$120 /every 4 years Global Entry / TSA PreCheck
Fee reimbursement · easy to use · enroll
Perks
No foreign transaction fees
10,000 bonus miles every anniversary
Capital One Lounges, Priority Pass, Plaza Premium
Transfers to 15+ partners
Pay-in-full card (no preset spending limit)
Protections
Purchase protection
Up to $10,000 per claim
Extended warranty
+1 year
Rental car collision
primary
Cell phone protection
Up to $800 per claim
Travel accident
Up to $1,000,000
Earning, approval rules & sources
10x Capital One Travel portal Issuer travel portal — Hotels and rental cars via Capital One Travel (5x flights)
2x Everything else
Capital One approval rules:1/6 · 2 personal cards · 48-month bonus rule · Triple pull
WEB-VERIFIED 2026-09-08 against https://www.capitalone.com/small-business/credit-cards/venture-x-business/: $395, 2x everything, 10x hotels/cars and 5x flights/vacation rentals via Capital One Business Travel, $300 travel credit, 10k anniversary miles, Capital One Lounges/Landing + Priority Pass, $120 GE, 150k after $30k, no FTF (capitalone.com). Protections still from model knowledge.
$300 annual credit for bookings through Capital One Travel · easy to use
$120 /every 4 years Global Entry / TSA PreCheck
Fee reimbursement · easy to use · enroll
Perks
No foreign transaction fees
Capital One Lounges, Landing locations and Priority Pass Select (1,300+ lounges) for the primary cardholder
Complimentary access for authorized users and guests was removed in 2025-2026 (Bankrate, Feb 2026).
10,000 bonus miles every anniversary
Transfers to 15+ airline and hotel partners
Hertz President's Circle status
Cell phone protection
Up to $800 per claim, 2 claims/yr, $50 deductible
Protections
Purchase protection
Up to $10,000 per claim / $50,000 per year
Extended warranty
+1 year
Return protection
Up to $300 per item
Trip cancellation / interruption
Up to $2,000 per person
Trip delay
Up to $500 after 6 hours
Lost luggage
Up to $3,000
Rental car collision
primary
Cell phone protection
Up to $800 per claim, 2 claims/yr, $50 deductible
Travel accident
Up to $1,000,000
Earning, approval rules & sources
10x Capital One Travel portal Issuer travel portal — Hotels and rental cars booked through Capital One Travel (5x flights and vacation rentals)
2x Everything else
Capital One approval rules:1/6 · 2 personal cards · 48-month bonus rule · Triple pull
WEB-VERIFIED 2026-09-08 against Bankrate's Feb 3, 2026 review: $395 fee, 10x/5x Capital One Travel, 2x else, $300 travel credit, 10k anniversary miles, $120 GE/TSA, lounge access now primary cardholder only. Protections still from model knowledge. Capital One trimmed some Venture X perks in 2025-2026 (authorized-user lounge access, some insurance); verify current terms.
4x on your top 2 business categories (to $150k/yr)3x Amex Travel flights & hotels$240 FedEx/Grubhub/office credit, Walmart+$375 fee
Statement credits
$300 ChatGPT Business credit
ChatGPT Business subscription · medium to use · enroll
$240 Flexible business credit
$20/month at FedEx, Grubhub and U.S. office supply stores · medium to use · enroll
$155 Walmart+ membership credit
Monthly Walmart+ membership reimbursed ($12.95/mo) · medium to use · enroll
$150 Squarespace credit
Squarespace subscriptions · hard to use · enroll
Perks
No foreign transaction fees
Transfers to ~20 partners
The Hotel Collection $100 experience credit on 2+ nights
Protections
Purchase protection
90 days, up to $10,000 per occurrence
Extended warranty
+1 year
Trip delay
Up to $300 per trip after 12 hours
Lost luggage
Up to $1,250 carry-on
Rental car collision
secondary
Earning, approval rules & sources
3x Airfare (booked direct) — Flights and prepaid hotels booked via Amex Travel
3x Amex Travel portal Issuer travel portal
1x Everything else
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
WEB-VERIFIED 2026-09-08 against https://www.bankrate.com/credit-cards/reviews/american-express-green-card/: $375, 4x top two categories to $150k, 3x Amex Travel flights/prepaid hotels, $240 FedEx/Grubhub/office, $300 ChatGPT, $150 Squarespace, Walmart+ credits, up to 200k after $15k (Bankrate Amex overview, Jul 16 2026). Protections still from model knowledge.
Fee: Raised from $250 in the 2025-03-24 refresh (new applicants immediately; existing cardholders on renewals from 2025-08-01). Not waived first year.
Annual fee
$350
Credits / yr
$890
$621 realistic
Credits beat fee by
+$271
Welcome bonus
60,000 miles
≈ $810 at travel value
4x miles on United purchases; 2x travel, dining, and select streaming$200 United TravelBank credit every yearFirst and second checked bags free for you and a companion10,000-mile award discount each anniversary (+10,000 more after $20,000 spend)Up to 18,000 PQP/year from spend plus 1,000 bonus PQP each year$100 rideshare, $180 Instacart, $150 Renowned Hotels, $80 Avis/Budget, $150 JSX credits
Statement credits
$200 /anniversary United travel credit
$200 in United TravelBank cash after account opening and on each account anniversary, usable on United/United Express flights; expires 12 months after issue. · easy to use
$150 /anniversary Renowned Hotels and Resorts credit
Up to $150 back per anniversary year on prepaid ('Pay Now') stays booked through Renowned Hotels and Resorts for United Cardmembers; posts in 6-8 weeks. · medium to use
$150 /anniversary JSX credit
Up to $150 back as a statement credit each anniversary year on purchases made directly with JSX (semi-private air carrier). · hard to use
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS fee credit
Up to $120 statement credit once every 4 years for a Global Entry, TSA PreCheck or NEXUS application fee charged to the card. · easy to use
$100 Rideshare credit
Up to $8 back each month January-November and up to $12 in December on rideshare purchases (up to $100 per calendar year). Yearly enrollment required; posts in 6-8 weeks. · easy to use · enroll
$80 /anniversary Avis/Budget rental credit
$40 in United TravelBank cash for each of your 1st and 2nd Avis or Budget rentals (minimum 2 days) booked through cars.united.com with the United cardmember discount code (up to $80 per anniversary year). · medium to use
$15 /month Instacart credit
One $10 and one $5 Instacart credit each month (up to $180 per calendar year) on purchases made directly with Instacart; requires an active Instacart+ membership (3 months free, then 50% off the annual rate). Benefit ends 12/31/2027. · medium to use · enroll
Perks
$200 annual United TravelBank credit
Issued at account opening and every anniversary.
First and second checked bags free
Primary cardmember and one companion on the same reservation each check two standard bags free on United/United Express flights (up to $440 per roundtrip) when the ticket is bought with the card.
Priority boarding
Primary cardmember and companions on the same reservation board in Group 2.
Award flight discounts
10,000-mile award flight discount each account anniversary plus another 10,000-mile discount after $20,000 in purchases in a calendar year (up to 20,000 miles/year; each expires 12 months after issue), plus 10% or more off award pricing (15% for Premier members).
Earn PQP toward Premier status
1 Premier Qualifying Point per $20 spent, up to 18,000 PQP per calendar year (cap was 9,000 before the 2025 refresh), plus 1,000 bonus PQP each year awarded within 8 weeks of February 1 starting in 2026.
2 global Economy Plus upgrades after $40,000 spend
Earn two global Economy Plus seat upgrades after $40,000 in purchases in a calendar year; valid 12 months, primary cardmember only.
Global Entry / TSA PreCheck / NEXUS credit
Up to $120 every 4 years.
25% back on United inflight and Club premium drink purchases
Statement credit for food, beverages and Wi-Fi on United-operated flights and premium drinks in United Clubs; posts within 24 hours.
$150 Renowned Hotels and Resorts credit
Plus Renowned member perks: property credit, daily breakfast for two, Wi-Fi, room upgrade and early/late check-in/out when available.
$100 rideshare credit
$8/month Jan-Nov, $12 in December; annual enrollment required.
$180 Instacart credit
$10 + $5 per month through 12/31/2027.
Instacart+ membership
3 months complimentary, then 50% off the annual rate through 12/31/2027.
No foreign transaction fees
Visa Signature Concierge
24/7 complimentary concierge service.
Primary rental car collision coverage
Primary coverage up to $60,000 for theft and collision when you decline the rental company's CDW and pay with the card (secondary inside the U.S. for NY residents).
Trip cancellation / interruption insurance
Up to $1,500 per traveler / $6,000 per trip.
Trip delay reimbursement
Up to $500 per traveler when a common carrier is delayed 12+ hours or overnight.
Baggage delay insurance
Up to $100/day for 3 days after a 6+ hour delay.
Lost luggage reimbursement
Up to $3,000 per traveler.
Purchase protection
120 days, up to $10,000 per item.
Extended warranty
Extends U.S. manufacturer warranties of 3 years or less by 1 additional year.
Protections
Purchase protection
120 days, up to $10,000 per item / $50,000 per year (90 days for NY residents)
Extended warranty
+1 year on warranties of 3 years or less
Trip cancellation / interruption
Up to $1,500 per traveler / $6,000 per trip
Trip delay
Up to $500 per traveler after 12 hours or overnight delay
Baggage delay
Up to $100/day for 3 days after 6 hours
Lost luggage
Up to $3,000 per traveler ($2,000 per bag / $10,000 per trip for NY residents)
Rental car collision
primary
Earning, approval rules & sources
5x Issuer travel portal — 5x miles on hotel stays when you prepay directly through Renowned Hotels and Resorts (a Chase Travel-powered luxury hotel collection). Taxonomy has no 'renowned_hotels' merchant key, so merchant is null; ordinary Chase Travel bookings earn only 2x as travel.
4x United Airlines Airfare (booked direct) — 4x miles on all other eligible United purchases (seat upgrades, Economy Plus, inflight food/beverages/Wi-Fi, bag fees). Chase advertises '10x total miles on eligible United flights' = 6x base MileagePlus flying miles + 4x from the card; Basic Economy earns fewer base miles. Was 3x before the 2025 refresh.
2x Travel (general) — 2x miles on all other travel: airfare, trains, transit, cruises, hotels, car rentals, taxicabs, resorts, rideshare, tolls
2x Dining & restaurants — 2x miles on dining: restaurants, takeout, eligible delivery services
2x Streaming services — 2x miles on select streaming services
1x Everything else — 1x mile on all other purchases
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Upper-mid-tier United card (Visa Signature). United/Chase refreshed the lineup on 2025-03-24: annual fee $250 -> $350 (existing cardholders from 2025-08-01), the old $125 United purchase credit and two 5,000-mile award rebates were replaced by a $200 TravelBank credit, a 10,000-mile anniversary award discount and a second 10,000-mile discount after $20,000 spend, PQP cap doubled to 18,000 with a 1,000 PQP annual bonus from 2026, and new partner credits were added (Renowned Hotels $150, rideshare $100, Avis/Budget $80, Instacart $180 through 12/31/2027, JSX $150). Chase's page in 2026 marks 4x on United purchases (up from 3x) as NEW. The 5x Renowned Hotels rate is filed under travel_portal with no merchant key because the taxonomy lacks a Renowned Hotels merchant; it does not apply to other Chase Travel bookings. Chase 5/24 rule applies.
$120 /every 4 years Global Entry / TSA PreCheck / NEXUS
Fee reimbursement · easy to use
Perks
No foreign transaction fees
9,000 points each anniversary
Spend counts toward Companion Pass
Group 5 boarding for you and up to 8 passengers on the same reservation
Protections
Purchase protection
120 days, up to $10,000 per claim
Extended warranty
+1 year
Baggage delay
Up to $100/day for 3 days
Lost luggage
Up to $3,000
Rental car collision
primary
Earning, approval rules & sources
4x Southwest Airlines Airfare (booked direct)
2x Hotels (booked direct) — Booked directly with hotels
2x Gas stations
2x Dining & restaurants
2x Transit — Local transit and rideshare
1x Everything else
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
WEB-VERIFIED 2026-09-08 against https://creditcards.chase.com/business-credit-cards/southwest/performance-business: $299, 4x Southwest, 2x hotels direct/gas/dining/transit, 9k anniversary, group 5 boarding, $120 GE, 80k after $5k, no FTF (chase.com). Protections still from model knowledge.
6x Marriott, 4x restaurants and U.S. supermarkets (to $15k)Gold Elite2x everything else$250 fee
Statement credits
No statement credits.
Perks
No foreign transaction fees
Marriott Bonvoy Gold Elite + 15 elite night credits
Free Night Award (up to 50,000 pts) after $15,000 spend in a year
1,000 bonus points per paid stay
Protections
Purchase protection
90 days, up to $10,000 per occurrence
Extended warranty
+1 year
Trip delay
Up to $300 per trip after 12 hours
Lost luggage
Up to $1,250 carry-on / $500 checked
Rental car collision
secondary
Earning, approval rules & sources
6x Marriott Hotels (booked direct)
4x Dining & restaurants (up to $15,000/year)— Restaurants worldwide; $15,000 combined cap with U.S. supermarkets
4x Groceries (supermarkets) (up to $15,000/year)— U.S. supermarkets
2x Everything else
American Express approval rules:Once per lifetime · Family rules · 1/5 and 2/90 · 5 credit card limit
WEB-VERIFIED 2026-09-08 against https://thepointsguy.com/credit-cards/reviews/marriott-bonvoy-bevy-american-express-card-review/: $250, 6x Marriott, 4x restaurants + U.S. supermarkets to $15k then 2x, 2x else, Gold Elite + 15 nights, 1,000 pts per stay, 50k free night after $15k spend (TPG, Aug 7 2026). Protections still from model knowledge.
Fee: Not waived the first year. No fee to add authorized users (The Point Calculator, 2026-07-30); Chase's benefits page only says the primary cardmember is responsible for authorized-user charges.
Annual fee
$250
Credits / yr
$0
$0 realistic
Net cost
$250
Welcome bonus
85,000 points
≈ $722 at travel value
Automatic Gold Elite status + 15 Elite Night Credits each year6x at Marriott hotels (up to 18.5x total) plus 1,000 points per paid stay4x groceries and dining on the first $15,000/yr combined, then 2x2x on everything elseFree Night Award (up to 50,000 points) only after $15,000 annual spend$250 annual fee, no statement credits, no anniversary free night; no foreign transaction fees
Statement credits
No statement credits.
Perks
Automatic Marriott Bonvoy Gold Elite status
Granted each calendar year while the account is open (posts up to 8 weeks after opening): 25% Elite bonus points on eligible hotel purchases, 2 p.m. late checkout (based on availability), enhanced room upgrades, complimentary premium Wi-Fi.
15 Elite Night Credits every calendar year
15 Elite Night Credits toward the next Marriott Bonvoy Elite tier each calendar year (posted within 60 days of opening in year one). Elite Night Credits post from only one Marriott personal card per year. No spend-based bonus night credits or Platinum-via-spend path are listed on Chase's pages.
Free Night Award after $15,000 annual spend (up to 50,000 points)
Earned after $15,000 or more in purchases each calendar year (not an automatic anniversary award; posts up to 12 weeks after qualifying); valid for a one-night stay in a standard room at a property with a redemption level up to 50,000 points; can be combined with up to 25,000 Bonvoy points; expires 12 months after issuance.
1,000 bonus points per paid stay
Maximum of 1,000 bonus points per eligible stay of at least one paid night at the same participating Marriott Bonvoy property, booked directly (Chase page; award-redemption stays are excluded per The Points Guy).
No foreign transaction fees
12 months complimentary DashPass + $10 off quarterly
12 months of DashPass (DoorDash and Caviar) when first activated with this card between 02/01/2025 and 12/31/2027; auto-renews at the then-current monthly rate unless cancelled. Also up to $10 off one non-restaurant DoorDash order each quarter through 12/31/2027 - a checkout discount, not a Chase statement credit.
Marriott Bonvoy airline transfers
Marriott Bonvoy points transfer to 40+ airline programs at 3:1; a 5,000-mile bonus for every 60,000 points transferred improves the effective rate to about 2.4:1 (The Points Guy).
Auto rental collision damage waiver (secondary in U.S.)
Reimbursement for theft and collision damage on most rental vehicles when you decline the rental company's CDW and pay with the card; secondary to personal auto insurance in the U.S., primary outside the U.S.; up to $60,000 for rentals of up to 31 consecutive days, excluding exotic cars, motorcycles, cargo vans and vehicles over $125,000 MSRP (HelloSafe 2026-06-11).
Purchase protection
Covers eligible new purchases for 120 days (90 days for NY residents) against damage or theft, up to $500 per item (TPG: $50,000 per account).
Extended warranty protection
Extends the manufacturer's U.S. warranty by one additional year on eligible warranties of three years or less (up to four years total); up to $10,000 per claim and $50,000 per account (TPG, HelloSafe).
Trip delay reimbursement
Up to $500 per covered traveler for unreimbursed expenses such as meals and lodging when a common-carrier trip is delayed more than 12 hours or requires an overnight stay.
Baggage delay insurance
Up to $100 a day for up to 5 days for essential purchases when checked baggage is delayed more than 6 hours.
Lost luggage reimbursement
Up to $3,000 per covered traveler for checked or carry-on luggage that is lost or damaged (NY residents: $2,000 per bag, $10,000 per trip); $500 sub-limits for jewelry/watches and cameras/electronics (HelloSafe).
Travel accident insurance
Up to $500,000 accidental death or dismemberment coverage when common-carrier fare is charged to the card ($100,000 for 24-hour coverage per HelloSafe).
Roadside dispatch (pay-per-use)
24/7 dispatch in the U.S. and Canada for towing, battery, tire change, lockout and fuel delivery; service fees are billed to the card at the time of dispatch.
Visa Signature Concierge
24/7 complimentary concierge for dining, tickets and travel planning; cardmember pays for any goods or services.
Chase Credit Journey
Free credit score and monitoring alerts.
Protections
Purchase protection
120 days (90 days NY), up to $500 per item against damage or theft ($50,000 per account per TPG)
Extended warranty
+1 year on eligible U.S. manufacturer warranties of 3 years or less (up to 4 years total); up to $10,000 per claim / $50,000 per account (TPG, HelloSafe)
Trip cancellation / interruption
Not covered (HelloSafe; not listed on Chase's benefits page)
Trip delay
Up to $500 per covered traveler when a common-carrier trip is delayed 12+ hours or requires an overnight stay
Baggage delay
Up to $100/day for up to 5 days when checked baggage is delayed 6+ hours
Lost luggage
Up to $3,000 per covered traveler (NY residents: $2,000 per bag, $10,000 per trip)
Rental car collision
secondary
Roadside assistance
Roadside dispatch (service fees billed to the card at time of dispatch)
Travel accident
Up to $500,000 accidental death or dismemberment (common carrier fare charged to the card); $100,000 24-hour coverage per HelloSafe
Earning, approval rules & sources
6x Marriott Hotels (booked direct) — Chase wording: '6 points for each $1 spent on qualifying purchases made at hotels participating in Marriott Bonvoy'. Chase advertises 'up to 18.5X total' = 6X card + up to 10X Bonvoy member base points + 2.5X Gold Elite bonus on paid stays; only the card's 6X is filed here. Separately, 1,000 bonus points per eligible paid stay (see benefits).
4x Groceries (supermarkets) (up to $15,000/year)— Chase wording: '4 points total for each $1 of the first $15,000 spent annually on combined purchases in the following rewards categories: grocery stores; dining at restaurants including takeout and eligible delivery services'. The $15,000 cap is shared between grocery stores and dining, then 2X.
4x Dining & restaurants (up to $15,000/year)— Chase wording: 'dining at restaurants including takeout and eligible delivery services'. Shares the single $15,000/yr combined cap with grocery stores, then 2X.
2x Everything else — Chase wording: '2 points for each $1 spent on all other purchases'. Upgraded Points lists 'travel purchases' separately at 2X, but that is the same base rate.
Chase approval rules:5/24 · Sapphire 48-month rule · Southwest / Marriott / United family rules · 2/30
Launched September 2022 alongside the Amex Bevy (Chase press release; Upgraded Points offer history); no material product changes reported in 2026 - the card is still open with the same $250 fee, 6X/4X/2X structure and Gold status. No annual statement credits and no automatic anniversary free night; the only Free Night Award comes from $15,000 calendar-year spend, which is also the cap on the 4X groceries/dining bonus. The 2026 Boundless airline-credit promotion is NOT offered on the Bountiful (Chase's Marriott comparison page shows it only under Boundless). Protection amounts are from marriott.chase.com/bountiful/benefits and the Chase card page; Upgraded Points' 2026-03-13 review lists different figures (trip delay $300, baggage $2,000, purchase protection $10,000) that conflict with Chase and were not used. HelloSafe (2026-06-11) and Chase's benefits page show no trip cancellation/interruption, emergency medical or evacuation coverage. APR 19.24%-29.99% variable (Chase). Chase 5/24 applies. Bonus restrictions (Chase): not available if you currently hold this card or received its bonus in the last 24 months; also blocked if in the last 30 days you held the Marriott Bonvoy Amex, in the last 90 days were approved for the Marriott Bonvoy Business/Brilliant/Bevy Amex, or in the last 24 months received a new-cardmember or upgrade bonus on those Amex cards. Elite Night Credits post from only one Marriott personal card even if you hold several.
