Quick verdict
Best for frequent travelers who visit 8+ airport lounges per year. Skip if you can't or won't use 3+ annual credits. the $695 af is brutal unless you methodically redeem $1,000+ in credits. if you fly 2–4 times per year, the chase sapphire reserve or venture x is a better deal.
🎁 Welcome bonus
80,000 Membership Rewards points after $8,000 spend in 6 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Flights (direct or amextravel.com) | 5x | points |
| Prepaid hotels (amextravel.com) | 5x | points |
| Everything else | 1x | points |
Points/miles valued at 1.55¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($1484 total face value)
| $200 airline fee credit (Select one airline; covers bag fees, seat upgrades) | $200 |
| $200 Uber cash | $200 |
| $240 digital entertainment credit (Peacock, NYT, Disney+, Hulu, etc.) | $240 |
| $100 Saks credit ($50 semi-annually) | $100 |
| $300 Equinox credit | $300 |
| $189 CLEAR credit | $189 |
| $155 Walmart+ credit ($12.95/mo) | $155 |
| Fine Hotels & Resorts ($100 per stay) (Per stay value, not annual total) | $100 |
Credit value depends on you actually using them. Many credits are split monthly or semi-annually, so factor in your usage habits before counting them against the AF.
✨ Perks
- Centurion Lounge access (the best domestic lounges)
- Priority Pass Select (1,400+ lounges worldwide)
- Delta Sky Club access when flying Delta
- TSA PreCheck / Global Entry credit ($120 every 4–4.5 years)
- Hotel elite status (Hilton Gold, Marriott Bonvoy Gold, Radisson Premium)
- Fine Hotels & Resorts program (room upgrades, breakfast, late checkout, $100 property credit)
- Saks Fifth Avenue credit ($100/yr)
- Equinox gym credit ($300/yr)
- CLEAR Plus credit ($189/yr)
- Uber cash ($200/yr, $15/mo Jan–Nov, $35 in Dec)
- Digital entertainment credit ($240/yr for Peacock, NYT, WSJ, Disney+, etc.)
- Walmart+ membership credit ($12.95/mo)
- $200 airline fee credit
- No foreign transaction fees
- Concierge service
🎯 Who should consider this card
✅ Best for
- Frequent travelers who visit 8+ airport lounges per year
- People who stay at upscale hotels (Hilton, Marriott) regularly
- Urban professionals who can use Equinox, Saks, and dining credits
❌ Skip if
You can't or won't use 3+ annual credits. The $695 AF is brutal unless you methodically redeem $1,000+ in credits. If you fly 2–4 times per year, the Chase Sapphire Reserve or Venture X is a better deal.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.