- Annual Fee
- $695
- Ongoing Annual Value
- $758
- First-Year Value Estimate
- $800
- Net Value
- +$63
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (6)
- Lyft: $15 (Monthly)
$15 Lyft credit each month after taking 3 eligible rides that month. Credit applied to Lyft account (expires 30 days after applied). Requires adding card to Lyft account and setting as default payment. Digital wallet payments do not qualify. Program runs through 1/31/2027.
- Inflight and Admirals Club: $100 (Annual Calendar Year)
Eligible inflight and Admirals Club purchases charged to the card.
- American Airlines Vacations: $250 (Semi Annual Calendar Year)
Up to $250 back on eligible American Airlines Vacations purchases from January to June and again from July to December. Booking must include two or more travel components, such as a flight, car reservation, or hotel booking.
- Grubhub: $10 (Monthly)
Credit for Grubhub orders.
- Avis/Budget: $120 (Annual Calendar Year)
Eligible prepaid car rentals booked on avis.com or budget.com
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (1)
- Admirals Club (Unlimited) — 2 free guests, paid guests allowed
Elite Status (3)
- Omni Select Guest: Champion
- American AAdvantage: 10K Loyalty Point bonus after reaching 50K, 90K, 165K, and 240K Loyalty Points in a qualification period
- Avis Preferred: President's Club
Protections (6)
- Trip Cancellation/Interruption (secondary) — up to $5,000 — Up to $5,000 for eligible non-refundable expenses. Pay for any part of your trip with your card to be eligible for this benefit.
- Trip Delay (secondary) — up to $500 — Up to $500 per trip for delays over 6 hours. Pay for a portion of the common carrier fare with your card to be eligible for this benefit.
- Lost Luggage (secondary) — up to $3,000 — Coverage for luggage and contents lost/stolen by common carrier up to $3,000 per person per trip ($2,000 per bag for NY residents), $10,000 max per trip. Secondary coverage.
- Damage & Theft Purchase Protection (secondary) — up to $10,000 — Covers purchases against damage or theft within 90 days of purchase or delivery, up to $10,000 per incident, $50,000 per year. Secondary coverage.
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 24 months (max 7 years total from purchase date). Max $10,000 per item.
- Worldwide Car Rental Insurance (secondary) — up to $75,000 — Secondary in US, primary outside US. Up to $75,000 for rental car damage/theft (max 31 days). Must pay full rental cost on card and decline rental company CDW.
Other Perks
- Free first checked bag on domestic American Airlines-operated itineraries for you and up to 8 companions; account and primary cardmember's AAdvantage number must generally be on the reservation at least 7 days before travel
- Priority check-in, security screening, and boarding for you and companions on American Airlines flights
- 25% off eligible in-flight purchases on American Airlines flights
- Access to over 50 Admirals Club locations and 60+ partner lounges worldwide (2 guests or immediate family)
- 10% off scheduled Lyft rides to/from US airports (with World Legend Mastercard)
- Earn 1 Loyalty Point per dollar spent
- Omni Hotels & Resorts Champion status
- One Omni Free Night Reward per calendar year, in the form of 100 Omni Credits, after a qualifying stay of two or more consecutive nights booked directly through Omni Hotels & Resorts
- Complimentary Avis President's Club status; enrollment available through 08/31/28