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
Everything else
5x
Travel
5x
Where it wins:
Stated credits ($600/yr) cover the $550 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
5x on flights booked directly with airlines or with amextravel.com. 5X on prepaid hotels (hotel booked and paid in advance) booked on amextravel.com.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseAirfare5×
- TravelPrepaid Hotels on AmexTravel5×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Uber$200/yr
$15 monthly credit to be used on Uber and Uber Eats ($35 credit for December).
- Airline$200/yr
$200 annual credit to be used on airline incidental purchases like baggage fees, change fees, etc. with a chosen US airline. Issued every calendar year. Activation required.
- Saks$100/yr
Two $50 credits to be used at Saks (premium retail store). Issued January 1 and July 1. Activation required.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits
- Centurion Lounges$50/yr
Get Centurion Lounge access for you and up to two guests for free.
- Delta Sky Club$29/yr
Complimentary Delta Sky Club access (when flying Delta).
- Priority Pass $32/yr
Get lounge access for you and up to two guests for free. (No restaurant credits.)
- International Airline Program
Get special discounts on up to eight first class, business class, and premium economy fares when booking through Amex.
- Hilton Honors Gold
Get Hilton Gold benefits like free breakfast for two, upgrades (subject to availability), late check-out, 80% bonus on base points, and a 5th night free.
- Marriott Bonvoy Gold
Get Marriott Bonvoy Gold benefits like a 25% bonus on points, late check-out, upgrades, enhanced internet, and a welcome gift.
- Fine Hotels and Resorts (FHR)
Get benefits like noon check-in, guaranteed 4pm late check-out, room upgrades, daily breakfast for two, free WI-fi, and a special amenity.
- ShopRunner
Free membership to ShopRunner. Free two-day shipping, free return shipping, special deals and discounts at select retailers.
- Amex Concert Benefits
Access to presales for advance ticket purchases and special preferred seating through Ticketmaster.
- Auto Purchasing Program
Find TrueCar certified dealerships that allow you to purchase vehicles with your card and get special discounts and other perks.
- Amex Offers
Promotions and discounts offered exclusively to card holders.
- Amex Travel
Online travel portal that allows you to book various forms of travel including: flights, hotels, rental cars, cruises, and vacation packages.
- Uber Eats Pass
Get $0 delivery fees, 5% off restaurant orders over $15, and $0 delivery fees on grocery deliveries over $30 in select markets. Must enroll by December 31, 2021
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 $550 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.