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Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business: Three-way card showdown
Chris Nelson is a credit cards writer for TPG. He specializes in budget travel, hotels, earning elite status through minimal spending and redeeming points for maximum value.
August 20, 2026 • 25 min read
The cards we feature here are from partners who compensate us when you are approved through our site, and this may impact how or where these products appear. We don't cover all available credit cards, but our analysis, reviews, and opinions are entirely from our editorial team. Terms apply to the offers listed on this page. Please view our advertising policy and product review methodology for more information.Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
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TPG featured card
Quick summary
The article compares three leading premium business cards, focusing on their perks, statement credits and lounge access.
Each card offers a range of travel and business benefits, such as annual travel credits, hotel elite status and access to luxury hotel booking platforms.
Lounge access is a key differentiator, with one card providing the most comprehensive guest access and another excelling in global lounge networks.
The analysis highlights differences in bonus categories, redemption values and transfer partners for maximizing rewards.
What to consider
Eligibility for welcome offers and statement credits may vary and often requires meeting specific spending thresholds.
Some benefits, such as lounge guest access or select statement credits, require higher annual spending or enrollment.
Redemption rates for cash back or gift cards are generally less favorable than transferring rewards to travel partners or booking through travel portals.
What you'll miss from the article
A detailed side-by-side breakdown of benefits, earning structures and redemption strategies to help you choose the best premium business card for your business needs.
Generated by AI with support from our editorial team.
Comments
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
TPG featured card
While there's no shortage of business cards on the market, there are limited options for premium cards that provide value year after year.
Earn up to 300,000 bonus miles and a $1,000 travel credit: 150,000 bonus miles after spending $40,000 on purchases in the first four months from account opening, plus an additional 150,000 bonus miles and a $1,000 Capital One Business Travel credit (to use in the first cardholder year) after spending $120,000 total on purchases in the first four months from account opening.
Find out your offer and see if you're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and you may not be eligible for an offer.
Earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening.
Earning rates
Earn 10 miles per dollar spent on hotels and rental cars booked through Capital One Business Travel
Earn 5 miles per dollar spent on flights and vacation rentals booked through Capital One Business Travel
Earn 2 miles per dollar spent on every other purchase
Earn 5 points per dollar spent on flights and prepaid lodging booked with AmexTravel.com.
Earn 2 points per dollar spent on purchases of $5,000 or more and in select business categories in the U.S. — construction material and hardware suppliers, electronics goods retailers, software and cloud system providers, and shipping providers (select shipping providers beginning Feb. 17, 2027) — on up to $2 million of purchases in a calendar year, then 1 point per dollar
Earn 1 point per dollar spent on other purchases
Earn 8 points per dollar spent on Chase Travel℠ purchases
Earn 5 points per dollar spent on eligible Lyft rides through Sept. 30, 2027
Earn 4 points per dollar spent on flights and hotels booked directly
Earn 3 points per dollar spent on advertising purchases made with social media sites and search engines (up to $1 million per dollar spent each anniversary year, starting Nov. 15, 2026)
Earn 1 point per dollar spent on all other purchases
Benefits
10,000 bonus miles on every account anniversary
*Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
**Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.
***Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
****Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
^Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.
Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business welcome offer
All three cards have welcome offers worth at least triple their annual fee costs.
THE POINTS GUY
New applicants for the Venture X Business can earn up to 300,000 bonus miles and a $1,000 travel credit: 150,000 bonus miles after spending $40,000 on purchases in the first four months from account opening, plus an additional 150,000 bonus miles and a $1,000 Capital One Business Travel credit (to use in the first cardholder year) after spending $120,000 total on purchases in the first four months from account opening. TPG's October 2026 valuations peg Capital One miles at 1.85 cents apiece, making this welcome offer worth up to $6,550 (including the travel credit).
Meanwhile, with the Amex Business Platinum, new cardmembers can find out their offer and see if they're eligible for as high as 300,000 bonus points after spending $20,000 on purchases in the first three months of card membership. Welcome offers vary, and they may not be eligible for an offer. TPG's October 2026 valuations peg Amex Membership Rewards points at 2 cents apiece, making this welcome offer worth up to $6,000.
Lastly, new applicants for the Sapphire Reserve for Business can earn 200,000 bonus points after spending $30,000 on purchases in the first six months from account opening. TPG's October 2026 valuations peg Chase Ultimate Rewards points at 2.05 cents apiece, making this welcome offer worth $4,100.
Airline: Up to $200 statement credit for airline fees (including incidental charges) per calendar year
Expedited airport security: Up to $219 statement credit each calendar year for a Clear+ membership (subject to auto-renewal); $120 fee credit for Global Entry or up to $85 fee credit for TSA PreCheck every 4 years
Hotels: Up to $200 annual Hilton statement credit for eligible purchases, given as up to $50 per quarter (separate enrollment in Hilton for Business required); up to $600 annual lodging credit (up to $300 statement credit biannually)
Business: Up to $150 in statement credits on U.S. purchases made directly with Dell and an additional $1,000 statement credit after spending $5,000 or more with Dell each calendar year; $250 Adobe statement credit after spending $600 or more on U.S. purchases made directly with Adobe each calendar year; up to $360 per calendar year in Indeed statement credits (up to $90 per quarter)
Cellphone: Up to $120 per calendar year (up to $10 monthly) in statement credits for spending on wireless plans with U.S. providers (select telephone service providers beginning Feb. 17, 2027)
Enrollment is required for select benefits.
Travel: $300 annual travel credit and a Global Entry/TSA PreCheck/ application fee credit (up to $120)
^*We've excluded the Global Entry and/or TSA PreCheck credits in this calcuation since they're only usable once every four years
*****Eligibility and benefit level varies by card. Not all vehicle types or rentals are covered, and geographic restrictions apply. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company. Coverage is offered through American Express Travel Related Services Company, Inc.
******Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, cardmembers are responsible for the costs charged by third-party service providers.
*******Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by AMEX Assurance Company.
********Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details. Policies are underwritten by New Hampshire Insurance Company, an AIG Company.
^^Eligibility and benefit levels vary by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for details.
^^^Upon enrollment, accessible through the Capital One website or mobile app, eligible cardholders will remain at that status level through the duration of the offer. Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier. Additional terms apply
Additionally, the Sapphire Reserve for Business offers the best guest lounge access, hands down. Cardholders can bring two complimentary guests with them into Sapphire lounges. Amex Business Platinum Card members can unlock Centurion Lounge guest access by spending $75,000 or more on their card in a calendar year. Lastly, Venture X Business cardholders will have to spend $75,000 or more per year to unlock guest access, which mirrors the Amex Business Platinum's lounge guest access policy. Regardless of spending, with either of the cards, you'll receive two complimentary guests when visiting Priority Pass lounges.
ZACH GRIFF/THE POINTS GUY
Additionally, each card has some variation of an annual travel credit. The Amex Business Platinum is the most restrictive, as it is an airline incidentals credit, and you have to designate one airline to use it on. It covers things like checked bags and seat assignments, but it generally won't cover ticket purchases. The Venture X Business annual travel credit is very straightforward to use, with the only caveat being that you have to book travel via the Capital One Business Travel portal. Lastly, the Chase Sapphire Reserve for Business has the easiest credit to use, as it will cover anything that Chase broadly defines as travel, including parking, tolls and ferries. This credit is automatic, and you don't have to book through a travel portal.
Lastly, all three cards have excellent travel and purchase protections. The Amex Business Platinum and the Sapphire Reserve for Business offer slightly more protections than the Venture X Business in case your travel plans go awry. However, the Sapphire Reserve for Business takes the cake out of the three, as it offers the most robust protections.
Winner: Chase Sapphire Reserve for Business. It slightly beats the Amex Business Platinum in the total value of its statement credits. It also has slightly better travel protections.
Earning on the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business
All these business cards are great for earning flexible currencies. The Venture X Business earns:
10 miles per dollar spent on hotels and rental cars booked through Capital One Business Travel (18.5% return)
5 miles per dollar spent on flights and vacation rentals booked through Capital One Business Travel (9.25% return)
2 miles per dollar spent on all other purchases (3.7% return)
5 points per dollar spent on flights and prepaid lodging booked with amextravel.com (10% return)
2 points per dollar spent on purchases of $5,000 or more and in select business categories in the U.S. — construction material and hardware suppliers, electronics goods retailers, software and cloud system providers, and shipping providers* — on up to $2 million of purchases in a calendar year, then 1 point per dollar (4% return)
1 point per dollar spent on other purchases (2% return)
8 points per dollar spent on Chase Travel purchases (16.4% return)
5 points per dollar spent on eligible Lyft rides through Sept. 30, 2027 (10.25% return)
4 points per dollar spent on flights and hotels booked directly (8.2% return)
3 points per dollar spent on advertising purchases made with social media sites and search engines (up to $1 million per dollar spent each anniversary year, starting Nov. 15, 2026; 6.15% return)
1 point per dollar spent on all other purchases (2.05% return)
The Venture X Business offers the simplest earnings with miles, and you'll earn at least 2 miles on every purchase. The Amex Business Platinum earning rates are not the strongest, as they only offer bonus earnings of more than 1 point per dollar spent on purchases over $5,000 and flights and lodging booked through Amex Travel. These earning rates can be limiting for businesses if you don't routinely have large purchases or like to book travel through an online travel agency.
The Sapphire Reserve for Business offers the most bonus-earning categories and can be a great option for businesses with high advertising spending. Additionally, the Reserve for Business offers businesses the flexibility to book hotels and flights directly and earn the most bonus rewards out of the three cards.
Winner: Chase Sapphire Reserve for Business. It offers the most bonus categories and is the only card with elevated earnings on advertising and direct hotel and flight purchases.
Redeeming rewards on the Venture X Business vs. Amex Business Platinum vs. Sapphire Reserve for Business
With all three cards, you can redeem your rewards earned for cash back, Amazon purchases, gift cards and travel booked through each issuer's respective travel portal. However, with these options, redemption rates aren't favorable. They're much lower than TPG's October 2026 valuations and, in some cases, even lower than 1 cent per point or mile.
All three cards have transfer partners in each of the three major airline alliances: Oneworld, SkyTeam and Star Alliance. Additionally, every card has at least one domestic airline transfer partner.
The Venture X Business allows you to redeem miles at 1 cent per mile for travel booked via the Capital One Business Travel portal. You can also redeem miles to cover recent travel purchases at 1 cent per mile.
ALEX POTEMKIN/GETTY IMAGES
With the Amex Business Platinum, you can redeem points to cover purchases at 0.60 cents per point, or you can use them to book travel via Amex Travel at a rate of 0.70 cents per point for prepaid hotels and 1 cent per point for flights. You also have the Pay with Points perk via Amex Travel that gives you 35% of your points back (up to 1 million per year; enrollment required) on your designated airline, regardless of cabin class.
With the Sapphire Reserve for Business, points can be used to book travel directly through Chase Travel at a value of up to 2 cents per point, depending on the specific redemption, with the new Points Boost redemption feature. Points Boost offers elevated redemption rates of more than 1 cent per point on select Chase Travel redemptions. Select flight and hotel redemptions can be made at a rate between 1.5 to 2 cents per point.
Winner: Chase Sapphire Reserve for Business. Your points with Chase are potentially worth the most when redeeming through a travel portal.
Winner: Chase Sapphire Reserve for Business. The Chase business card takes the edge, as it offers outstanding value with hotel partners and is the only card to have World of Hyatt as a partner.
Should I get the Venture X Business, Amex Business Platinum or Sapphire Reserve for Business?
Just because the Venture X Business has the lowest annual fee doesn't mean it's the worst card out of the three. For business owners looking for simplicity with earnings, lounge access and an annual travel credit, the Venture X Business is a solid option.
However, if you want more perks like statement credits, automatic elite status and the best lounge access, the Amex Business Platinum is your pick.
If you want lounge access with the best guest access and the most bonus earnings categories, you should opt for the Sapphire Reserve for Business.
Bottom line
If you're looking for a business rewards card, these options are all great. Any of them would be a solid addition to your wallet. The Venture X Business has a much lower annual fee and comes loaded with perks; however, the Amex Business Platinum and the Chase Sapphire Reserve for Business simply offer more value with more statement credits and elite status. If you're really looking to maximize points and miles earning potential, you could add two or even all three cards to your wallet.
For rates and fees of the Amex Business Platinum, click .
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG editor's rating4
TPG editor's rating
Pros + cons
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Flexible rewards with airline and hotel transfer partners
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Some may have trouble using Uber and other dining credits
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
4
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
No foreign transaction fees
Access to the Capital One Premier Collection and Lifestyle Collection for hotel bookings
Hotel elite status (Gold Elite status with Marriott Bonvoy, Gold status with Hilton Honors and Sterling status with The Leading Hotels of the World)
Rental car elite status
35% airline bonus when redeeming with American Express Membership Rewards points on your designated airline via Amex Travel (up to 1 million points back per calendar year)
Access to American Express Fine Hotels + Resorts and The Hotel Collection (minimum two night stay)
IHG One Rewards Platinum Elite status (can unlock Diamond Elite status after spending $120,000 or more in a calendar year) - available to primary cardholders through 12/31/27
Access to The Edit and a $100 property credit when booking stays
Lounge access
Capital One lounges
Complimentary Priority Pass Select membership (access for cardholder and two guests; does not include restaurants)
Access to the Global Lounge Collection
Access to Chase Sapphire lounges
Priority Pass Select membership
Statement credits
$300 annual travel credit for booking through Capital One Business Travel.
Up to $120 in statement credit for TSA PreCheck or Global Entry
Airline: Up to $200 statement credit for airline fees (including incidental charges) per calendar year
Expedited airport security: Up to $219 statement credit each calendar year for a Clear+ membership (subject to auto-renewal); $120 fee credit for Global Entry or up to $85 fee credit for TSA PreCheck every 4 years
Hotels: Up to $200 annual Hilton statement credit, up to $50 per quarter for eligible purchases (separate enrollment in Hilton for Business required); up to $600 annual lodging credit (up to $300 statement credit biannually)
Business: Up to $150 in statement credits on U.S. purchases made directly with Dell and an additional $1,000 statement credit after spending $5,000 or more with Dell each calendar year; $250 Adobe statement credit after spending $600 or more on U.S. purchases made directly with Adobe each calendar year; up to $360 per calendar year in Indeed statement credits (up to $90 per quarter)
Cellphone: Up to $120 per calendar year (up to $10 monthly) in statement credits for spending on wireless plans with U.S. providers (select telephone service providers beginning Feb. 17, 2027)
Enrollment is required for select benefits.
Travel: $300 annual travel statement credit and a Global Entry/TSA PreCheck/Nexus application fee credit (up to $120 every four years)
DoorDash: Complimentary DoorDash DashPass subscription and up to $300 annually in monthly DoorDash promos (activate by Dec. 31, 2027)
Lyft: Up to $10 monthly credit in-app(up to 120 annually) (through Sept. 30, 2027)
Hotels: Up to $500 credit for stays with The Edit. (allotted as two, up to $250 statement credits; minimum two-night stay required)
Business: Up to $400 annual ZipRecruiter credit through 12/31/27 (allotted up to $200 in statement credits biannually); up to $200 Google Workspace credit through 12/31/27 (allotted up to $100 in statement credits biannually); up to $100 Giftcards.com credit through 10/31/28 (allotted up to $50 in statement credits biannually)
Travel and purchase protections
Auto rental collision damage waiver
Lost luggage reimbursement
Trip delay reimbursement
Trip cancellation and interruption
Ride-hailing protection
Extended warranty
Return protection
Cellphone protection
Car rental coverage*
Premium Global Assist Hotline**
Baggage insurance***
Trip delay coverage****
Trip cancellation and interruption****
Purchase protection***
Extended warranty***
Return protection^
Cellphone protection****
Primary car rental insurance (when renting for business purposes)
Complimentary DoorDash DashPass subscription and up to $300 annually in monthly DoorDash promos (activate by Dec. 31, 2027)
Lyft: Up to $10 monthly credit in-app (through Sept. 30, 2027)
Hotels: Up to $500 credit for stays with The Edit. (allotted as two, up to $250 statement credits; minimum two-night stay required)
Business: Up to $400 annual ZipRecruiter credit (allotted up to $200 biannually through Dec. 31, 2027); up to $200 Google Workspace credit (allotted up to $100 biannually through Dec. 31, 2027); up to $100 Giftcards.com credit (allotted up to $50 biannually through Oct. 31, 2028)
Up to $500 Southwest Airlines credit (requires spending $120,000 or more in a calendar year)
Up to $500 Shops at Chase credit (requires spending $120,000 or more in a calendar year)
Benefits
10,000 bonus miles on every account anniversary
No foreign transaction fees
Access to the Capital One Premier Collection and Lifestyle Collection for hotel bookings
Hertz President's Circle status ^^^
Hotel elite status (Gold Elite status with Marriott Bonvoy, Gold status with Hilton Honors and Sterling status with The Leading Hotels of the World)
Rental car elite status with Avis, Hertz and National
35% airline bonus when redeeming with points on your designated airline via Amex Travel (up to 1 million points back per calendar year)
Access to American Express Fine Hotels + Resorts and The Hotel Collection
No foreign transaction fees
Enrollment is required for select benefits.
IHG One Rewards Platinum Elite status through Dec. 31, 2027 (can unlock Diamond Elite status after spending $120,000 or more in a calendar year)
Access to The Edit and a $100 property credit when booking stays
Lounge access
Capital One lounges
Complimentary Priority Pass Select membership (access for cardholder and two guests; does not include restaurants)
Access to Centurion Lounges (complimentary for the cardmember, $30 per guest age 2 to 17 with proof of age and $50 per guest age 18 and up unless the cardmember spends $75,000 or more on the card in a calendar year to unlock guest privileges)
Complimentary Priority Pass Select membership (access for cardmember and two guests; does not include restaurants)
Access to Delta Sky Clubs when flying Delta Air Lines (complimentary for the cardmember, with guests costing $50 each; eligible Platinum Card members will receive 10 visits per eligible Platinum Card, per year to the Delta Sky Club or to Grab and Go when traveling on a same-day Delta-operated flight)
Access to Escape lounges (complimentary for the cardmember and two guests or immediate family)
Access to Plaza Premium lounges (complimentary for the cardmember and two guests)
Access to select Lufthansa lounges
Access to other Global Lounge Collection partner lounges (complimentary for the cardmember; guest policies vary)
Enrollment is required for select benefits.
Access to Chase Sapphire lounges
Priority Pass select membership
Authorized users are also allowed two guests at no additional charge into Priority Pass lounges
