Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Dining
2x
Gas
2x
Everything else
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Dining2×
- Gas2×
- Everything elseAmerican Airlines2×
- Everything elseAll Purchases1×
Welcome offer
50,000 points
- Spend $2,500 in 90 days
- Est. value: $500 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- Free Checked Bag$30/yr
Primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries. Valid for up to four companions.
- Preferred Boarding
Receive preferred boarding boarding (Group 5). Valid up to four companions.
- Flight Discount (w/ spend)$125/yr
Earn a $125 flight discount after you spend $20,000 or more during your cardmembership year.
- Flight Discount$125/yr
Earn a $125 flight discount after you spend $20,000 or more during your cardmembership year.
- In-Flight Discount
Receive a 25% savings on in-flight purchases of food and beverages on flights operated by American Airlines when purchased with your card.
- Reduced Mileage Awards
Redeem AAdvantage miles for discounted round trip or one-way travel on MileSAAver awards to select destinations designated every other month.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $99 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.