Earning Rates
4x4x at restaurants worldwide (up to $50K/yr)
4x4x at US supermarkets (up to $25K/yr)
5x5x on prepaid hotels via Amex Travel
3x3x on flights booked directly with airlines
1x1x on everything else
Pros & Cons
Pros
- Best dining and grocery earning rates
- $120 Uber Cash credit annually ($10/mo)
- $120 dining credit annually ($10/mo)
- $100 Resy restaurant credit ($50 biannually)
- $84 Dunkin' credit annually ($7/mo)
- Excellent transfer partners (ANA, Singapore, Delta)
Cons
- $325 annual fee
- No airport lounge access
- Credits require monthly usage to maximize
- Amex not accepted everywhere internationally
Key Benefits & Perks
$120 Uber Cash
$120 dining credit
$100 Resy credit
$84 Dunkin' credit
$100 Hotel Collection credit (2-night stay)
Purchase protection
Extended warranty
Transfer Partners
Membership Rewards points transfer to 14 airline and hotel loyalty programs, often at a 1:1 ratio. Transfer to maximize redemption value.
DeltaANASingapore AirlinesBritish AirwaysAir France/KLMHiltonMarriott BonvoyVirgin AtlanticCathay PacificEmiratesEtihadHawaiian AirlinesJetBlueQantas
Points Value Calculator
Estimate the dollar value of your Membership Rewards balance based on our average 2¢ per point valuation.
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