Quick verdict
Best for heavy restaurant spenders. Skip if you don't use uber/grubhub/dunkin' regularly. coupon-style credits only pay off if you'd already spend the money.
🎁 Welcome bonus
60,000 Membership Rewards points after $6,000 spend in 6 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| Restaurants worldwide | 4x | points |
| U.S. supermarkets (up to $25K/yr) | 4x | points |
| Flights booked direct or amextravel.com | 3x | points |
| Prepaid hotels (amextravel.com) | 2x | points |
| Everything else | 1x | points |
Points/miles valued at 1.50¢ each (CreditStud.io estimate based on typical travel redemption).
💰 Annual Credits ($424 total face value)
| Uber Cash | $120 |
| Dining credit | $120 |
| Dunkin' credit | $84 |
| Resy credit | $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
- $120/yr Uber Cash ($10/mo)
- $120/yr dining credit ($10/mo at Grubhub, Resy, Five Guys, etc.)
- $84/yr Dunkin' credit ($7/mo)
- $100/yr Resy credit ($50 semi-annually)
- No foreign transaction fees
- Hotel Collection benefits (room upgrade + $100 property credit)
🎯 Who should consider this card
✅ Best for
- Heavy restaurant spenders
- U.S. supermarket shoppers (up to $2K/mo)
- People who already use Uber, Grubhub, Dunkin', or Resy
❌ Skip if
You don't use Uber/Grubhub/Dunkin' regularly. Coupon-style credits only pay off if you'd already spend the money.
📊 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.