Annual Fee
$150
Foreign Txn Fee
$0
Credit Needed
Good (690+)
APR
20.24%–29.24% variable (Pay Over Time)
Rewards Categories
3x Travel
3x Transit
3x Restaurants worldwide
1x All other purchases
Benefits
Up to $209 annual CLEAR Plus credit
Up to $100 LoungeBuddy credit annually
No foreign transaction fees
No preset spending limit
Car rental loss and damage insurance
Trip delay insurance (up to $300/trip, 2 claims per year)
Baggage insurance and purchase protection
Global Assist Hotline
Access to Amex Presale and Reserved Tickets
Welcome Bonus
Welcome bonus offer varies by applicant
Pros & Cons
Pros
Lower fee entry point into Membership Rewards transfer partners
Solid flat 3x across travel, transit, and dining — easy to use, no rotating categories
CLEAR Plus credit is a meaningful perk for frequent flyers
Cons
No lounge access
Smaller welcome bonus than Gold or Platinum
LoungeBuddy credit is niche and easy to forget
Best For / Worst For
Best For
People who want flexible points and travel perks without Platinum or Gold's price tag
Worst For
Those who want bonus categories on groceries or want airport lounge access
Reward Valuation
Membership Rewards points valued around 1.7–2.0 cents when transferred to travel partners.
Points Value Breakdown
Average Value
1.70¢/point
Travel Redemption
1¢/point
Transfer Partner Value
1.90¢/point
Statement Credit Value
0.60¢/point
Cash-Out Value
0.60¢/point
Example
$3,000 in 3x travel/dining/transit spend ≈ 9,000 points ≈ $171 in transfer value, versus only $54 as a statement credit.
Statement Credits
CLEAR Plus
Up to $209/yr
Covers a CLEAR Plus airport security membership
LoungeBuddy
Up to $100/yr
Credit toward LoungeBuddy app purchases
Transfer Partners
Delta SkyMiles
No transfer fee
1:1
Air France/KLM Flying Blue
Frequent transfer bonuses
1:1
Travel Protections
Trip Delay Insurance
Up to $300/trip, 2 claims per 12 months
Baggage Insurance
Coverage for lost/damaged baggage
Insurance Benefits
Car Rental Loss & Damage
Coverage when declining the rental company's insurance
Purchase Protection
Covers eligible purchases against damage/theft
Approval Odds
Generally requires good credit (690+); easier approval profile than Gold or Platinum.
Historical Welcome Offers
June 2026
Welcome offer varies by applicant
User Reviews
Feb 2026
Underrated entry point
Good flat-rate earning on travel and dining without the huge fee. CLEAR credit alone makes it worth it for me.
— A.S.
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Last verified June 2026