Annual Fee
$325
Foreign Txn Fee
$0
Credit Needed
Good to Excellent (690+)
APR
19.49%–28.49% variable (Pay Over Time)
Rewards Categories
4x Restaurants worldwide (up to $50,000/yr, then 1x)
4x U.S. supermarkets (up to $25,000/yr, then 1x)
3x Flights booked directly or via Amex Travel
1x All other purchases
Benefits
Up to $120 annual dining credit (Grubhub, Cheesecake Factory, Goldbelly & more)
Up to $120 Uber Cash annually ($10/month)
Up to $84 Dunkin' credit annually
Up to $100 Resy dining credit annually
Complimentary Hertz Five Star status
No foreign transaction fees
Up to $120 per year in statement credits across partner brands
Baggage insurance and purchase protection
Welcome Bonus
Up to 100,000 Membership Rewards® points after spending $8,000 in first 6 months
Pros & Cons
Pros
Best-in-class 4x on dining and U.S. supermarkets — top tier for food spending
Multiple monthly credits add real, recurring value if used consistently
Points transfer to the same valuable airline/hotel partners as Platinum
Lower fee than Platinum while still earning strong points
Cons
$325 fee, up from $250 a few years ago
Dining/grocery credits require specific merchants (Grubhub, Resy, Dunkin')
Only 1x on most non-dining/grocery/flight spending
No lounge access unlike Platinum
Best For / Worst For
Best For
Households that spend heavily on groceries and dining out
Worst For
People who don't cook-adjacent spend or eat out much, or want travel perks
Reward Valuation
Membership Rewards points valued around 1.7–2.0 cents when transferred; the dining/grocery 4x categories are some of the highest-value bonus categories among points cards.
Points Value Breakdown
Average Value
1.80¢/point
Travel Redemption
1¢/point
Transfer Partner Value
2¢/point
Statement Credit Value
0.60¢/point
Cash-Out Value
0.60¢/point
Example
100,000 welcome bonus points ≈ $1,000 transferred to airline/hotel partners at ~2¢ each, the strongest realistic redemption for this bonus.
Statement Credits
Dining Credit
$120/yr
$10/mo at Grubhub, Cheesecake Factory, Goldbelly, Wine.com, and more
Uber Cash
$120/yr
$10/mo, must add card to Uber app
Resy Credit
$100/yr
$50 semi-annually at Resy-booked restaurants
Dunkin' Credit
$84/yr
$7/mo at Dunkin' locations
Transfer Partners
Delta SkyMiles
No transfer fee
1:1
British Airways Avios
Good for short-haul award flights
1:1
Marriott Bonvoy
Bonus at higher transfer tiers
1:1
Travel Protections
Baggage Insurance
Secondary coverage for lost/damaged checked baggage
Trip Delay Insurance
Reimbursement for delays of 6+ hours
Insurance Benefits
Purchase Protection
Covers eligible purchases against damage/theft for 90 days
Extended Warranty
Extends eligible U.S. manufacturer warranties
Approval Odds
Generally requires good to excellent credit (690+). More attainable than Platinum but Amex still weighs total card relationship.
Historical Welcome Offers
June 2026
High OfferUp to 100,000 points after $8,000 spend in 6 months
2025
60,000 points after $6,000 spend in 6 months
User Reviews
March 2026
Pays for itself on groceries alone
Between the 4x at supermarkets and the dining credit, this card covers its fee easily for a family that cooks and eats out regularly.
— R.P.
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Last verified June 2026