Earning Rates
3x3x on travel
3x3x on transit
3x3x on dining
1x1x on everything else
Pros & Cons
Pros
- Broad 3x earning on travel, transit, and dining
- Access to Amex transfer partners
- LoungeBuddy credit ($189/yr value)
- Lower annual fee entry into Amex ecosystem
Cons
- $150 annual fee for mid-tier card
- No airport lounge access
- Overshadowed by Gold and Platinum
Key Benefits & Perks
$189 CLEAR Plus credit
LoungeBuddy credit
Rental car insurance
Trip delay insurance
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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