ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAKALAMANAOAPAQARASATAUAVAWAXAYAZBABBBCBDBEBFBGBHBIBJBKBLBMBNBOBPBQBRBSBTBUBVBWBXBYBZCA
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Dave Hanson / Hey there, Dave here.
**no longer offeredAdded 7/2021**no longer offered**no longer offeredCRYPTO**no longer offeredAdded 7/2021**requires $60 Costco membership**no longer offeredAvail. 3/9/2024Added 7/2021CRYPTOCRYPTOCRYPTOCRYPTOCRYPTOCRYPTOCRYPTOCRYPTOCRYPTOSecured
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CARDAlliant Visa SignatureGreenGoldPlatinumPlatinum for SchwabBusiness PlatinumCenturionBlue Business PlusHilton Honors SurpassHilton Honors AspireBonvoy (was SPG)**Bonvoy BrilliantBonvoy BevyPremium RewardsCash RewardsUnlimited Cash RewardsTravel RewardsUber Visa Card (old)**Uber Credit Card (new)**BlockFi Bitcoin RewardsSavor RewardsSavorOneVenture RewardsVenture XQuicksilver RewardsAmazon PrimeRitz Carlton Visa**Bonvoy BoldBonvoy BoundlessFreedomFreedom UnlimitedSapphire PreferredJP Morgan Reserve Visa InfiniteSapphire ReserveInk Business PreferredAARP (discontinued)Double CashCustom CashCostco Anywhere VisaPremierPrestige (no longer offered) 7/2021AA Executive World Elite MastercardAA MileUpCardApple CardDiscover it Cash BackDiscover it BusinessRewards Visa SignatureCashback MastercardCash+ Visa SignatureAltitude Reserve Visa InfiniteAltitude Connect Visa SignatureAltitude Go Visa SignatureCash+ Visa SignatureFlex Perks Gold AmexAltitude Go VisaWF Propel Amex**WF Autograph Visa SignatureWF Autograph JourneyWF Active CashWF Visa SignatureX1 CardVenmo Credit CardCrypto-com "Obsidian" Visa DEBITCrypto-com "Rose Gold" or "Icy White" Visa DEBITCrypto-com "Royal Indigo" or "Jade Green" Visa DEBITCrypto-com "Ruby Steel" Visa DEBITCrypto-com "Midnight Blue" Visa DEBITCoinbase Visa DEBITGemini MastecardVoyagerMi Owners Rewards Visa SignatureSoFi World Elite MastercardSable One CreditFold (crypto)Wirex (crypto)YottaPlutusCredit Karma Debit
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IssuerAlliant Visa SignatureAmexAmexAmexAmexAmexAmexAmexAmexAmexAmexAmexAmexBofABofABofABofABarclaysBarclaysBlockFiCapital OneCapital OneCapital OneCapital OneCapital OneChaseChaseChaseChaseChaseChaseChaseChaseChaseChaseChaseCitiCitiCitiCitiCitiCitiCitiGoldmanDiscoverDiscoverFidelityPayPal (Synchrony)US BankUS BankUS BankUS BankUS BankUS BankUS BankWells FargoWellsFargoWells FargoWells FargoWells FargoX1 CardVenmo (Synchrony)Crypto-comCrypto-comCrypto-comCrypto-comCrypto-comCoinbaseGeminiVoyagerM1 FinanceSoFiSable Money
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Info Updated7/21/20213/7/20243/7/20243/7/202411/30/201910/22/201911/13/201912/1/201911/30/201911/30/201910/22/20199/22/20229/22/20229/10/20199/10/20197/21/20211/1/20209/19/201910/28/20197/13/202110/2/201910/2/201910/22/20193/3/202210/22/20193/1/202310/22/201910/22/201910/22/20191/17/20201/17/202010/22/20193/3/20221/12/202010/22/20199511/69/10/20197/21/202110/22/201910/22/201910/22/201910/22/201910/22/201910/22/20191/17/20221/17/202210/2/201910/21/201910/29/20196/13/20207/14/20217/14/20217/14/20216/13/20206/13/20207/13/20217/13/20223/7/20247/13/202112/1/201911/13/20217/1/202211/13/202111/13/202111/13/202111/13/202111/13/202111/13/202111/13/20213/14/20223/14/20223/14/20223/1/2022
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Annual Fee$0.00$150.00$250.00$695.00$695.00$695.00$10k initiation, $5k/yr ** invite only$0.00$95.00$450.00$95.00$650.00$250.00$95.00$0.00$0.00$0.00$0.00$0.00$0.00$95.00$0.00$95.00$395.00$0.00$0.00$450.00$0.00$95.00$0.00$0.00$95.00$595 *invite only$550.00$95.00$0.00$0.00$0.00$0.00$95.00$495.00$450.00$0.00$0.00$0.00$0.00$0.00$0.00$0.00$400.00$95.00$0.00$0.00$85.00$0.00$0.00$0.00$95.00$0.00$0.00$0.00$0.00$400,000 *CRO$40,000 *CRO$4000 *CRO$400 *CRO$0.00$0.00$0.00$0.00$95.00$0.00$0.00
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Foreign TranactionNo FeeNo FeeNo FeeNo FeeNo FeeNo FeeNo Fee2.70%No FeeNo FeeNo FeeNo FeeNo FeeNo Fee3%3%No FeeNo FeeNo Feeno feeNo feeNo feeNo FeeNo FeeNo FeeNo FeeNo FeeNo FeeNo Fee3%3%No FeeNo FeeNo Fee3%3%No FeeNo FeeNo FeeNo Fee3%No Feelimited acceptancelimited acceptanceNo FeeNo Feeno feeno feeno fee2% usd / 3% localno feeno feeNo FeeNo FeeNo Fee3%3%No FeeNo FeeNo FeeNo FeeNo FeeNo FeeNo FeeNo Fee?No Fee3%No Fee
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Do I have this card?NoNoNoNoYes (not in wallet)NoNoNoNoNoYes. Keeping for free night/yr & long credit historyNoYes. Use for travel and "everything else"Yes. Only use for US restaurantsNoConsideringCancellingNoYesNoNoNoNoYes (not in wallet)No. Recently downgraded to Bonvoy BoldYes (don't use)NoNoNoNoNoNoYesNoNoNoNoRecently downgraded to AA MileUpYesYes (not in wallet)NoNoNoNoNoNoNoNoNoNoNoNoNoNoNoYesNoNoYesNoNoNoYesNoNoNoNoNoNoNoYesNoNo
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Use Card ForEverythingRestaurantsTravelTravelTravelFeeling SpecialTrifectaHiltonHiltonBonvoy HotelsBonvoy HotelsEverything ElseCategoryEverything ElseEverything ElseDining, Air, Hotel, Cell BillUberEverythingDiningDiningEverythingEverythingAmazon & Whole FoodsBonvoy HotelsBonvoy HotelsBonvoy HotelsEverythingEverythingTravel, DiningTravel, DiningAdvertisingEverything ElseSingle category (max $500/mo spend)GasOnly get for 25% point bonusAir, RestaurantsAAAAApple & ApplePayEverythingEverythingDining3x categoriesEverything (domestic)Bonus point redeemptionEverything ElseCategories: Dining & Nightlife, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, EntertainmentEverything ElseEverything ElseEverything ElseEverything ElseEverything ElseEverything ElseI wouldn'tTbdBuild credit w/ cash back & perks
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REWARDS
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Earning (Best)2.5% on Everything $10k/yr max** Requires $1k checking balance3X Air, Hotel, Restaurants (global), transit, taxi, rideshare4x Restaurants (worldwide);
4x grocery ($25k/yr cap)		5x Air (direct/amx) (*$500k max)

5x Hotel (amextravel)		5x Air (direct/amx)
5x Hotel (amextravel)		5x Air (direct/amx)
5x Hotel (amextravel)		1.5X on purchases over $5k2x on first $50k/yr12x Hilton14x Hilton6x Bonvoy Hotels6x Bonvoy Hotels6x Bonvoy Hotels2x (3.5x) travel & dining3% (5.25%) choice category ($2500/qtr cap)1.5% (2.625%) on everything3x (5.25x) travel purchased on their site4% Dining5% Uber, Uber Eats, Jump Biles2% Everything over $50k/yr4% dining & entertainment3% dining & entertainment5x Hotel & Car via CapOne Travel10x hotels & cars booked on portal1.5% Everything5% on Amazon, Whole Foods & Chase Travel6x Bonvoy Hotels3x Bonvoy Hotels6x Bonvoy Hotels5% Qrtly Category ($1500/qtr)5% Lyft (ends 3/2022)2x Air, Hotel, Restaurants10x Hotel/Car through Chase Ultimate Rewards / 10x Dining through Chase Dining10x Hotel/Car through Chase Ultimate Rewards / 10x Dining through Chase Dining3x travel, shipping, internet, cable, phone, online ads3% restaurants, gas2% on Everything5% in "highest eligible spend category" (Limit $500/mo spend)4% gas (max $7k/yr)3x Air, Hotel, Rental Car, Gas5x Air, Restaurants2x on AA2x on AA3% Apple
added... Uber, Walgreens, T-Mobile		5% **rotating w/$1500/qtr max**
Q1-22 Grocery & Fitness
Q2-22 Gas
Q3-22 Restaurants & PayPal
Q4-22 Amazon, Digital Wallet		3% Everything (1.5% x2 first year)2% on Everything2% on Everything5% on 2 selected categories, $2k/Qtr cap5x hotels, car rental (booked on their site)5x hotels, car rental (booked on their site)4x dining5% in 2 categories, $2k max spend, choices limited5x hotels, car rentals (on their site)4x takeout, food delivery, dining3x Dining, Air, Hotel, Rental Car, Gas, Rideshare, Streaming3x Dining, Transit, Travel, Streaming, Gas, Phone Plans5x hotels2% Everything1x Everything Else4x Everything (w/boost or 30 days per referral)3% Top Category8% Everything5% Everything3% Everything2% Everything0%4% Everything [XLM, GRT, AMP, RLY]3% Dining (max $6k/yr spend)3% back in VGX w/ 20k VGX stake

2% back in VGX w/ 5k VGX stake

1% back in VGX w/ 500 VGX stake		2.5% - 10% @ select companies when stock held in M1 account***2X Everything2% select brands (amazon, spotify, netflix, hulu, uber, & more)
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Earning (Mid)3x Air (direct or amextravel.com)1.5x on purchases >$5k1x Everything Else1x Everything Else6x US Restaurants, Supermarkets, Gas7x Air, Car & US Restaurants2x Everything Else3x Restaurants & Air4x Dining & Grocery (US, $15k/yr max spend)2% (3.5%) grocery and wholesale clubs3% Travel3% Dining & Travel1.5% Everything2% grocery2% grocery2x Everything5x flights booked on portal1.5% Everything2% Restaurants, local transit & ride share3x dining, car rental, airline2x travel (air, taxi, train)5% Lyft (ends 3/2022)1.5% Everything1x Everything Else3x Air, Hotel, Restaurants (worldwide)3x Air, Hotel, Restaurants (worldwide)1x Everything Else1% Everything Else2% on Everything3% restaurants, air, hotel, car, travel
2% Costco		2x Restaurants, Entertainment3x Hotel, Cruise2x Grocery2% Everything Else using Apple Pay1% Everything Else1.5% Everything2% on Everything2% on Everything2% on 1 selected category3x mobile wallet & travel category4x travel & gas

3x grocery, dining, streaming		3x grocery, streaming, gas2% Grocery -or- Gas -or- Dining3x dining ("restaurants") / 2x airline, gas station2x grocery, streaming, gas1x Everything Else1x Everything Else4x airlines
3x other travel		2% Everything1x Everything Else3x Everything (retroactive with $15k/yr spend)2% Next Category8% Everything5% Everything3% Everything2% Everything0%1% Everything [BTC, ETH, DOGE, DAI]2% Groceries** 9% APY earned on USDC balance1.5% Everything***1% everything
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Earning (Everything)1.5% Everything over $10k/yr1x Everything Else1x Everything Else1x Everything Else1x Everything Else1x Everything Else1x Everything Else1x Everything Else3x Everything else3x Everything else2x Everything Else2x Everything Else2x Else1.5x (2.625x) on Everything else1% (1.75%) everything else1.5x (2.625x) on Everything2% Online
1% Offline		1% Everything Else1% everything else1% everything else2x Everything2x everything1.5% Everything1% Everything Else2x Everything Else1x Everything Else2x Everything Else1% Everything1.5% Everything1x Everything Else1x Everything Else1x Everything Else1x Everything Else1% Everything Else2% on Everything1% Everything Else1% Everything Else1x Everything Else1x Everything Else1x Everything Else1x Everything Else1% Everything Else1% Everything Else1.5% Everything2% on Everything2% on Everything1% everything else1x everything else1x everything else1x everything else1% everything else1x everything else1x everything else1x Everything Else1x Everything Else1x everything else2% Everything1x Everything Else2x Everything1% Everything8% Everything5% Everything3% Everything2% Everything0%1% Everything0% Everything
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Reward TypeCashMembership RewardsMembership RewardsMembership RewardsMembership RewardsMembership RewardsMembership RewardsMembership RewardsHilton HonorsHilton HonorsBonvoy PointsBonvoy PointsBofA RewardsCashCashBofA RewardsCashUber CashBitcoinCashCashVenture Miles"miles"CashCashBonvoy PointsBonvoy PointsBonvoy PointsCash/Ultimate RewardsCash/Ultimate RewardsUltimate RewardsUltimate RewardsUltimate RewardsUltimate RewardsCashCashCashCashThank You PointsThank You PointsAA MilesAA MilesCashCashCashPoints=CashCash to PayPal AcctPointsCash/TravelCash/Travel"FlexPoints"CashGoFar Rewards PointsWF points (transferrable)Cash BackGoFar Rewards PointsStatement credit w/ select merchantsCash (or Crypto)CRO cryptoCRO cryptoCRO cryptoCRO cryptoCRO cryptoYour choice of select crypto"Rewards in bitcoin, ether, or 40+ other cryptos"VGXCashPointsCash Back
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Redemption Notes*business card has 25% points back, $295 annual fee*busines has air bonus.0125 redeemed into Schwab account35% points back when redeemed for first/biz air on amex OR any class on your preselected airline50% points back when redeemed for air on Amex Travelredeem at higher rate with biz plat or plat schwabHotel StaysHotel Stays

(also airline transfers, amazon, lyft but not good exchange rate) most airlines are 10:1		$.01/pt cash or travel credit to BofA accountStatement credit$.01/pt cash or travel credit to BofA accountTravel Credit (.01/pt) or Cash (.006/pt)Statement credit, bank deposit ($25 min) or Uber cashAuto-transfer to Uber account at $50** BTC rewards paid on the second Friday of every month

** Reward based on sum of settled transactions from the prior calendar month (not in sync with statement date)

BTC earns interest in BlockFi account (4% APY as of 7/2021)		Statement creditStatement creditTravel ("purchase eraser"), transfer partners, cash (rate varies)Travel (flight, hotel, cars, more) cover travel purchases within 90 days or book in portal at .01/mile ... also 15+ travel loyalty [most are 1:1]Redemption thresholds start @ $25Statement credit or bank depositCan redeem for travel 25%-50% bonus with companion cardCan redeem for travel 25%-50% bonus with companion card25% more when reedeemed for travel through Chase (.0125)50% more "Pay Yourself Back" select categories only50% more when reedeemed for travel through Chase (.015)25% more when reedeemed for travel through Chase (.0125)Cash, GC's, Travel, AARP membershipStatement credit or checkThank You points convert at .01/ptCostco certificate issued February; may redeem for cash at CostcoPoints worth 25% more (.0125) for travel on thankyou.com ** NO LONGER VALID. POINTS NOW WORTH 0.005 **Travel, statement/cash, gift cardsRequires iPhone; Automatic daily to Apple Cash card5% CAPPED.

DOUBLE first year. Redeem any amount, any time		DOUBLE first year. Redeem any amount, any timeRequires PayPal account, No redemption threshold$0.015/pt for travel (air, hotel (4500 min), car ($250 min) & others as statement credit$0.015/pt for travel (merchandise, gift cards, cash back available... redemption rate not published, 5k point minimum redemption)$0.01/ptCash redeem in $25 increments, $25/2500 points to WF acctRewards redeemed in $25 increments for 2500 points or $20 increments for 2000 at WF ATMs.

Points don't expire while card account is open.		Redeem for purchases, to account, atm, gift card50% more redeemed for airfareOnly purchases w/select merchants; must have points to cover entire charge After 12 months, earning capped to first $10k of spend.Automatic, instant rewards sent to CRO walletAutomatic, instant rewards sent to CRO walletCAP: $50/mo in CRO

Automatic, instant rewards sent to CRO wallet		CAP: $25/mo in CRO

Automatic, instant rewards sent to CRO wallet		Automatic, instant rewards sent to CRO walletThe earn/redeem eate varies by which crypto you pickInstant rewards to your crypto wallet9% APR paid monthly on card "top up" deposit balance; $100 minimum balance required*** Cash back capped at $200/month.5¢/pt cash

1¢/pt crypto, stock, cash credited to your sofi acct		2X MATCH END OF FIRST YEAR
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EARNING*w/$100k preferred rewards*w/$100k preferred rewards*w/$100k preferred rewards*w/$100k preferred rewards
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Best2.5345551.5212146663.55.252.6252.625452435101.556361.51.5215103325435223532255545433214532104302
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Air2.53355512372323.51.752.6252.625331.511251.553221.51.523312533522113223412133213532104102
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Hotel2.5315551212146623.51.752.6252.625331.5115101.556361.51.523312533511113225515133213532104102
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Dining2.53411112672343.55.252.6252.625431.543221.523121.51.523132532511153221343433213532104302
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Gas2.51111112632222.6251.752.6252.625111.511221.512121.51.511132543111153221422233213532104102
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Other2.51111112332222.6251.752.6252.625111.511221.512121.51.511112111111113221111111213532104102
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Typical UseEverythingAir, Hotel, DiningRestaurantsTravelTravelTravelExpensive StuffEverything ElseHiltonHiltonBonvoy HotelsBonvoy HotelsEverything ElseChoiceEverything ElseEverything ElseDiningUberEverythingDiningDiningEverythingHotelEverythingAmazon & Whole FoodsBonvoy HotelsBonvoy HotelsBonvoy HotelsEverythingEverythingTravel, DiningTravel, DiningAdvertisingEverything ElseSingle category (max $500/mo spend)GasOnly get for 25% point bonusAir, RestaurantsAAAAApple & ApplePayRotating CategoryFirst Year Bonus EverythingEverythingEverythingTravelHotel/CarDiningTravelDining"Popular Categories""Popular Categories"Everything50% more for points from Propel cardEverythingEverythingEverythingEverythingEverythingEverythingEverythingDining?NoneEverything
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Typical Earn Rate2.5345551.521214662.6255.252.6252.625451.5432101.556361.51.5233254352235225545433213532104302
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VALUEbest = 35% use points bonus*with 25% bonus*with 25% bonus from Premier*best = 50% bonus from signature
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Best $/Point$0.010$0.010$0.011$0.010$0.011$0.014$0.020$0.011$0.004$0.006$0.008$0.008$0.006$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.008$0.008$0.008$0.023$0.023$0.013$0.015$0.013$0.010$0.010$0.010$0.010$0.013$0.013$0.014$0.014$0.010$0.010$0.010$0.010$0.010$0.015$0.010$0.010$0.015$0.010$0.015$0.010$0.020$0.015$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.000$0.010
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Cash $/Point$0.010$0.006$0.011$0.006$0.011$0.006$0.006$0.011$0.000$0.000$0.000$0.010$0.010$0.010$0.006$0.010$0.000$0.010$0.010$0.010$0.000$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.013$0.013$0.010$0.010$0.010$0.010$0.010$0.000$0.010$0.010$0.000$0.010$0.010$0.010$0.020$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.010$0.000$0.005
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Air Cash$0.025$0.018$0.033$0.030$0.055$0.030$0.006$0.022$0.000$0.000$0.000$0.000$0.035$0.018$0.026$0.016$0.030$0.000$0.015$0.010$0.010$0.000$0.000$0.015$0.050$0.000$0.000$0.000$0.015$0.015$0.020$0.030$0.030$0.010$0.020$0.050$0.030$0.039$0.065$0.000$0.000$0.010$0.010$0.030$0.020$0.020$0.000$0.000$0.040$0.010$0.000$0.000$0.010$0.030$0.030$0.040$0.010$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.010$0.000$0.000$0.010
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Hotel Cash$0.025$0.018$0.011$0.030$0.055$0.030$0.006$0.022$0.000$0.000$0.000$0.000$0.035$0.018$0.026$0.016$0.030$0.000$0.015$0.010$0.010$0.000$0.000$0.015$0.050$0.000$0.000$0.000$0.015$0.015$0.020$0.030$0.030$0.010$0.020$0.050$0.030$0.039$0.065$0.000$0.000$0.010$0.010$0.030$0.020$0.020$0.000$0.000$0.050$0.010$0.000$0.000$0.010$0.030$0.030$0.040$0.010$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.010$0.000$0.000$0.010
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Dining Cash$0.025$0.018$0.044$0.006$0.011$0.006$0.006$0.022$0.000$0.000$0.000$0.000$0.035$0.053$0.026$0.016$0.040$0.000$0.015$0.040$0.030$0.000$0.000$0.015$0.020$0.000$0.000$0.000$0.015$0.015$0.020$0.030$0.010$0.030$0.020$0.050$0.030$0.026$0.065$0.000$0.000$0.010$0.050$0.030$0.020$0.020$0.000$0.000$0.030$0.040$0.000$0.000$0.040$0.030$0.030$0.040$0.010$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.030$0.000$0.000$0.010
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Gas Cash$0.025$0.006$0.011$0.006$0.011$0.006$0.006$0.022$0.000$0.000$0.000$0.000$0.026$0.018$0.026$0.016$0.010$0.000$0.015$0.010$0.010$0.000$0.000$0.015$0.010$0.000$0.000$0.000$0.015$0.015$0.010$0.010$0.010$0.030$0.020$0.050$0.040$0.039$0.013$0.000$0.000$0.010$0.050$0.030$0.020$0.020$0.000$0.000$0.040$0.020$0.000$0.000$0.020$0.030$0.030$0.040$0.010$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.010$0.000$0.000$0.010
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Other Cash$0.025$0.006$0.011$0.006$0.011$0.006$0.006$0.022$0.000$0.000$0.000$0.000$0.026$0.018$0.026$0.016$0.010$0.000$0.015$0.010$0.010$0.000$0.000$0.015$0.010$0.000$0.000$0.000$0.015$0.015$0.010$0.010$0.010$0.010$0.020$0.010$0.010$0.013$0.013$0.000$0.000$0.010$0.010$0.030$0.020$0.020$0.000$0.000$0.010$0.010$0.000$0.000$0.010$0.010$0.010$0.040$0.010$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.010$0.000$0.000$0.010
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Travel->Best redeem$0.025$0.030$0.022$0.050$0.055$0.068$0.020$0.022$0.030$0.063$0.032$0.036$0.012$0.035$0.018$0.026$0.026$0.030$0.030$0.015$0.010$0.010$0.035$0.075$0.015$0.050$0.036$0.020$0.032$0.034$0.034$0.025$0.045$0.038$0.010$0.020$0.050$0.030$0.038$0.063$0.021$0.021$0.010$0.010$0.030$0.020$0.020#DIV/0!$0.060$0.045$0.053$0.010$0.045$0.030$0.040$0.015$0.030$0.050$0.030$0.020$0.010$0.000$0.040$0.010$0.000#DIV/0!$0.020
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Dining->Best redeem$0.025$0.030$0.044$0.010$0.011$0.014$0.020$0.022$0.024$0.042$0.016$0.024$0.024$0.035$0.053$0.026$0.026$0.040$0.030$0.015$0.040$0.030$0.020$0.020$0.015$0.020$0.024$0.008$0.016$0.034$0.034$0.025$0.000$0.045$0.013$0.030$0.020$0.050$0.030$0.025$0.063$0.014$0.014$0.010$0.050$0.030$0.020$0.020$0.000$0.015$0.030$0.040$0.000$0.045$0.040$0.045$0.030$0.040$0.015$0.030$0.000$0.050$0.030$0.020$0.010$0.000$0.040$0.030$0.000$0.000$0.020$0.000$0.000$0.000$0.000$0.000$0.000
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PURCHASE BENEFITSVisa Infinite
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Price ProtectionNoNoNoNoNoNoNoNoNoNoNoNoNoNo120d, $250, 4x/yrNoNoNoNotravel portal "price drop protection" (up to $50)NoNoNoNoNoNoNoNobenefit guideNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo60d, $250, $1k/yrNoNoNoNoNoNoNoNoYes (limitations missing from terms)
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Return ProtectionNoNoNo90d, $300, $1k/yr90d, $300, $1k/yr90 days $10k ($50k/yr)90d, $300, $1k/yrNo90d, $300, $1k/yrNo90d/$250/$1k/yrNoNoNo90d, $500, $1k/yrNoNoNoNoNoNo90d, $500, $1k/yrNoNoNoNoNo90d, $500/item, $1k/yrNoNoNoNoNoNoNoNoNoNoNo90d, $300, $1k/yrNoNoNoNoNoNoNoNoNoNoNo
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Purch. Protection (Theft/Damage)90d, $500/claim, $50k/cardholderNoNo120d, $10k, $50k/yr120d, $10k, $50k/yrNo$10k, 90d, $50k/yr (Includes “loss” theft or damage)NoNo90d, $10k/claim, $50k/tr 90d, $10k/claim, $50k/tr 90d/$10k/claimNoNoNo90d, $500, $50k/yrNoNoNoNoNo120d, $500, $50k120d, $10k, $50k/yr120d, $10k, $50k/yr120d, $10k, $50k/yr120d, $500/claim, $50k/acct120d, $500/claim, $50k/acct120d, $500/claim, $50k/acct120d, $500/claim, $50k/acct120d, $10k/claim, $50k/acct120d, $10k/claim, $50k/acctNoNo120d, limits tbdNoNoNoNoNo90d, $500, $50k/cardholderNo$1k/loss, 90d90d, $1k, $50k/yrNoNo90d, $500, $50k/yrNoNoNoNoNoNoNoNoYes, 90 days, $1k max, $25k max/card/yr
38
Extend WarrantyNo??1 year1 yearNo3 yearsNoNo1 year extention (max 5yr)1 year extention (max 5yr)1 year1 yearNoNo1 yearNoYesYesYesYes1 year1 yearNoNo1 year1 year1 year1 year1 year1 yearNoNo1 yearNoNoNoNoNo1yr, $10k/claim, $50k/cardholderNoDouble, 1yr max1 yearNoNo1 yearNoNoNoNoNoNoNoNo
39
TRAVEL BENEFITS
40
Trip DelayNo12hr = $300/trip12hr = $300/trip6hr = $500/trip6hr = $500/trip6hr = $500/trip6hr = $500/ticket6hr = $500/tripNo6hr = $500/trip12 hr delay = $300/trip 2x/yr$500/ticket, 12 hrsNoNoNoNoNoNoNoNoNoNoNo6 hr, $500/ticket12 hr = $500/ticket12 hr = $500/ticketNoNo12hr=$500/ticket6hr=$500/ticketNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
41
Trip CancellationNoNoNo$10k/trip, $20k/year$10k/trip, $20k/year$10k/trip, $20k/year$10k/trip, $20k/year$10k/trip, $20k/yearNo$10k/trip, $20k/yearNo$2500/personYes (limits not published)NoNo$1500/person$1500/personNoNoNoNoNoNo$10k/person, $20k/tripNoNoNoNo$10k/person, $20k/trip$10k/person, $20k/trip$5k/tripNoNoNoNoNoNoNoNoNoNoNoNoNoNo$2k/personNoNoNoNoNoNoNoNoNo
42
Baggage - LostNo$1250 carried, $500 checked$1250 carried, $500 checked$3k/person$3k/person$3k/trip$2k checked, $3k total$2k checked, $1k max "high risk", $3k/trip maxNo$2k checked,$3k max$2k checked,$3k maxYesNoNoNoNoNoNoNoNoNoNo$3k/passenger$3k/person$3k/person$3k/personNoNoNo$3k/passengerNoNoNoNoNoNoNoNoNo$3k/tripNoYes (Amex connect)$1k/tripNoNo$3k/tripNoNoNoNoNoNoNoNoNo
43
Baggage - DelayedNoNoNoNoNoNoNoNoNoNo$100/day x5 daysNoNoNo$100/day x3 days$100/day x3 daysNoNoNoNoNo$100/day x 3days$100/day x5$100/day x5$100/day x5NoNo$100/day x5NoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
44
Car Rental CDWYesYes, SecondaryYes, SecondaryYes, SecondaryYes, SecondaryYes, SecondaryYes, PrimaryYes, SecondaryYesYes, SecondaryYes, SecondaryYesNoNoNoYesYesYes (per blog post)YesYesYesNoNoPrimary $75kNoNoNoNoPrimaryPrimary $75kPrimaryNoNoNoNoNoNoNoNoYes, SecondaryNoYes (Amex connect)SecondaryYesNoSecondaryNoNoNoNoNoNoNoNoNoYes, max $50k
45
Roadside AssistanceDispatchNoNoLimited services 4x/yrLimited services 4x/yrFree 4x/yearNoNoNoNo*dispatchNoNoNoNoDispatchVisa Signature Emergancy*help*help*helpNoNo$50 x4/yrNoNoNoNoNoNoDispatchNoNoNoNoNoNoNoNoDispatchNoYes (Amex connect)$60 fee + costDispatchNoDispatchDispatchNoNoNoNoNoNoNoNo
46
Global EntryNoCLEAR $100/yrNo$100/4yr$100/4yr$100/4yrCLEAR (fam of 4*) 18+ in same HHNoNo$100/4yrNo$100/4yrNoNoNoNoNoNoNoNo$100/4yr$100/4yrNoNo$100/4yrNoNoNoNoNo$100/4yrNoNoNo$100/4yr$100/4yr$100/4yr$100/4yrNoNoNoNo$100/4yr$100/4yrYes (Amex connect)NoNoNoNoNoNoNoNoNoNoNoNoNo
47
PERKS
48
Elite StatusNoNoNoBonvoy Gold, Hilton Gold, Uber VIP. Rental Car ProgramsBonvoy Gold, Hilton Gold, Uber VIP. Rental Car ProgramsBonvoy Gold, Hilton Gold, Rental Car ProgramsDelta Plat Medallion
Bonvoy Gold Elite
Hilton Diamond
Hertz Plat
Avis Pres. Club		Hilton Gold Status, Diamond @ $40kHilton Diamond StatusSilver Elite Status (Gold @ $35k/yr spend)Platinum Elite Status (+annual "earned choice" award @$60k spend)Bonvoy Gold EliteNoNoNoNoNoNoNoNoNoNo
Hertz President's Circle
NoNoGold Elite Status (Plat. @ $75k/yr spend)NoSilver Elite Status (Gold @ $35k/yr spend)NoNoNoNoNoNoNoNoNoNoNo, but priority check-in & boardingNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNoNo
49
Airport LoungesNo$100/yr Lounge Buddy creditNoCenturion & DeltaCenturion & DeltaCenturion & DeltaCenturion & DeltaNoPriority Pass SelectNoNoNoNoNoNoNoNoNoNoCapOne Lounge (DFW), Priority Pass AND Plaza Premium (+2 guests)NoNoPriority Pass SelectNoNoNoNoNoPriority Pass SelectNoNoNoNoNoPriority Pass SelectAdmirals ClubNoNoNoNoPriority Pass SelectNoNoNoNoNoLoungeKey +1 GuestLoungeKey +1 GuestLoungeKeyNoNoNoNoNo
50
Priority PassNoNoNoPriority Pass Select +2 guestsPriority Pass Select +2 guestsPriority Pass Select +2 guestsPriority Pass Select +2 guestsPriority Pass Select (10 visits)Priority Pass Select +2 guestNoPriority Pass SelectNoNoNoNoNoNoNoNoNoNoNoNoPriority Pass Select +guestNoNoNoNoNoPriority Pass Select +2 guestsNoNoNoNoNoPriority Pass Select +2 guestsNoNoNoNoNoPriority Pass SelectNoNoNoNoNoNoNoNoNoNoNoNoNo
51
CreditsNo$100/yr Lounge Buddy credit$100 airline bag/meal (1 airline)$200/yr airline (1 airline)

$20/mo digital partners

$13/mo Walmart+		$100 Schwab $250k or $200 $1M
$200/yr airline bag/meal (1 airline)		$200/yr airline bag (1 airline)$1,000 Saks ($250/qtr)$250/yr Hilton Resort Credit

$250/yr chosen Airline Fee Credit		15 elite night credits/yr$300/yr ($25/mo) dining credit

25 elite night credits/yr		15 elite night credits/yr$100 air incidentalNoNoNo$50 streaming credit after $5k/yr spendNo*NoNoNoNo$300 travel credit (stmt gredit booked on portal)

10k mile anniversary bonus		NoNo$300 credits **Air incidentals only; must call to redeem +15 elite night credits/yr15 elite night credits/yr15 elite night credits/yrNoNoNo$300/yr travel reimbursementNoNoNoNoNo$250/yr travel credit; Citigold customers $145/yr credit10k AA EQMs/yr @$40k spendNoNoNoNo$325/yr in eligible travel/dining purchases (Automatic. Easy)$30/yr streaming bonus$15/yr streaming bonus$15/yr streamingNoNo$50/yr credit airlineNoNoNo$13/mo Spotify
$14/mo Netflix
$13/mo Am.Prime		$13/mo Spotify
$14/mo Netflix
$13/mo Am.Prime		$13/mo Spotify
$14/mo Netflix		$13/mo SpotifyNoNoNoNo
52
Free Hotel NightsNoNoNoNoNoNoNo1 free reward night @ $15k1 "weeken night" per year, another at $60k1 free night/yr (max 35k point value)1 free night/yr (max 85k point value)1 free night/yr AFTER $25k spend (max 50k point value)NoNoNoNoNoNoVisa Signature Luxury Hotel Collection benefitNoNoNoNoNo1 free night/yr (max 50k point value)No1 free night/yr (max 35k point value)NoNoNoNoNoNoNoNoNo4th Night Free 2x/yr *must book w/CitiNoNoNoNoNoNoVisa Signature Luxury HotelsVisa Signature Luxury HotelsNoNoNoNoNoNoNoNoNoNo
53
Other DiscountsNoNo$10/mo uber
$10/mo dining @ select restaurants		* $15/mo ($20/dec) Uber

* $50 Saks x2/yr		* $15/mo Uber (20Dec)
* $50 Saks x2/yr
* Int'l Air Program		* $50 Saks x2/yr
* Int'l Air Program		* $15/mo Uber (20Dec)
* $50 Saks x2/yr
* Int'l Air Program		$100 Property Credit (2 night stays at Walforf & Conrad only)

5th NIGHT FREE (all elite members get this, standard room only)		No$100 property credit (Ritz/StRegis only) on 2+ night stays on special rateNoNoNoNoNoNo0.25% back on crypto transactions (max $500/mo)NoNoNoNoNo$100 hotel credit on 2+ night stays at Ritz & StRegis onlyNoNoNoNoNoNoNoNoNoNoNoNo25% off in flight25% off in flightNoNoNo"Up to" 30% Silvercar rental discountIncludes Amex Connect benefits details @ amexconnect.com/flexperksgoldNoNoNoNoNo10% Expedia (max $50/mo)
10% Airbnb (max $100/mo)		10% Expedia (Max $50/mo)NoNoNoNo"Exclusive offers with select merchants such as DoorDash, HelloFresh, Lyft, and ShopRunner"NoWorld Elite perks including:

$5 Lyft credit/mo after 3 rides/mo

3mo trial DashPass + $5 off 2x/mo w/DashPass
54
Other perksNoNo$100 Hotel Collection credit; Fine Hotels & Resorts$100 Hotel Collection credit; Fine Hotels & Resorts

Phone insurance $800x2/yr, $50 deduct.		$100 Hotel Collection credit; Fine Hotels & ResortsGoGo Wifi 10x/yr
$100 Fine Hotels & Resorts credit		* Int'l Arrivals VIP
* Equinox "Destination" membership
* LAX Private Suite membership fee (must still pay per use)		5k bonus transferring 20k pointsPhone Protection $800/claim, 2x/yr, $50 deductable (pay prior months bill)1k bonus pts per stay75% Preferred Bonus w/$100k bank balance75% Preferred Bonus w/$100k bank balance75% Preferred Bonus w/$100k bank balance75% Preferred Bonus w/$100k bank balancePhone insurance $600/claim, 2x/yr (when use to pay mobile bill)Phone insurance $600/claim, 2x/yr, $1k max, $25-50 deductable (when use to pay mobile bill)2% APY bonus on Stablecoin (max $500/yr)No annual fee year 1NoNoPhone insurance $800x2/yrNoNo3x/yr Club Level Upgrades, $100 visadiscountair.comNoNoDoordash (3 free months of DashPass, then 50% off for 9 months)Doordash (3 free months of DashPass, then 50% off for 9 months)NoDoorDash & Caviar ("at least 1 yr"), Discount Caviar feesLuxury Hotel & Resort upgrades when. booked via ChasePhone insurance $600/claim, max 3x/yr (when use to pay mobile bill)NoNoNoNoPhone insurance $1k/claim, max $1500/yr (when use to pay mobile bill)free checked bag, reduced milage awardsNoNoVisa Signature (Luxury Hotel Collection, etc)No12 free Gogo Inflight passes per year$600 cell phone insurance (stolen/damaged)$600 phone insurance, $25 deductable, $1200/yr max$600 phone insurance, $25 deductable, 2x/yr max$600 phone insurance, $25 deductable, $1200/yr max$600 phone insurance, $25 deductable, $1200/yr maxVisa Signature concierge & travel emergancy

Easy virtual cards,		EXTRA 2% APY IN CRO ON ALL CRYPTO EARN

"EXTRA 2% APY IN CRO ON ALL CRYPTO EARN

Free ATM $1k/mo		EXTRA 2% APY IN CRO ON ALL CRYPTO EARN

Free ATM $1k/mo		Free ATM $800/moFree ATM $400/moFree ATM $200/moNoNoNo$95 annual fee waived with "M1 Plus" membership ($125/yr)Cell phone coverage (stolen, damaged) $100/claim, $50 deductable, max 2 claims per 12 months
55
My Value of Perks$0$100$30$200$300$200$200$300$200$1,000$50$0$0$0$50$0$0$0$0$0$0$0$400$0$200$0$0$0$400$0$0$0$0$0$495$100$0$0$0$0$0$425$0$0$0$0$0$880$680$424$156$0$0$0$0
56
INTRO OFFER
57
Sign Up BonusNone40k @ $3k / 6mo60k @ $6k / 6mo25k @ $2k / 6mo60k @$5k/3mo100k -- 50k @$10k +50k@15k/3moInvite only, $10k initiation fee125k @ $2k/3mo150k @ $4k/30mo50k @$3k/90$200 @$1k/90$200 @$1000/90d25k @$1k/90$100 cash @$500/90$100 Uber Cash @$500/90Earn 3.5% for 90 days, $100 max ($5k spend)$300 @$3k/90; Postmates Unlimited until 12/2019$150 @$500/9050k @$3k/3mo; waived fee yr1; 10x select hotels.com thru Jan202075k @4k/3mo$150 @$500/3mo$70 Amazon Gift Card2 free nights after $3k in 3 mo30k @1K/3mo100k @$5k/3mo$200 @$500/3mo$200 @$500/3mo60k @$4/3mo50k @$4k/3mo80k @$5k/3mo$100 @$500/3moNone$200 @ $750/3mo60k @ $4k/3mo60k @ $4k/3mo50k @ $4k/3mo50k miles @ $5k/3mo10k miles +$50 credit @$500/3moNoneDouble cash back at end of first yearDouble cash back at end of first year$150 @$500/90d50k points ($750 in travel) @ $4.5k/90dNo Fee Year 1 + 50k points ($500) @ $3k/120d20k ($200) @ $1k/90d30k points ($450 in travel) @ $2k/4mo20k points ($200) @ $1k/90d$300 @$3k/3mo30k ($300) @ $1500/3mo60k @ $4k / 3mo$200 @ $1k / 3mo5x rewards on gas, grocery, drug for first 6 months30 days of 4x pointsNone.
Promo: double cash back first 6 months... 6%, 4%, 2%		Merch "Welcome Pack"Merch "Welcome Pack"NoneNoneNoneNoneNoneNone
58
Bonus Value$0$240$360$150$750$600$0$875$200$200$150$100$100$100$300$150$750$150$70$200$200$600$500$800$100$0$200$600$300$250$0Unlimited$150$750$500$200$450$200$300$300$200Varies$0$0$0$0$0$0$0$0
59
Spend Req.$0$3,000$6,000$2,000$5,000$15,000$2,000$4,000$3,000$1,000$1,000$1,000$500$500$5,000$3,000$500$3,000$4,000$500$0$3,000$1,000$5,000$500$500$4,000$4,000$5,000$500$750$4,000$4,000$4,000$5,000$500$0$500$4,500$3,000$1,000$2,000$1,000$3,000$1,500$1,000None
60
Bonus/Spend#DIV/0!8.00%6.00%7.50%15.00%4.00%#DIV/0!#DIV/0!0.00%0.00%#DIV/0!#DIV/0!29.17%20.00%20.00%15.00%20.00%20.00%2.00%10.00%30.00%0.00%18.75%30.00%#DIV/0!0.00%0.00%0.00%40.00%40.00%15.00%12.50%16.00%20.00%#DIV/0!26.67%15.00%7.50%6.25%0.00%0.00%#DIV/0!#DIV/0!Unlimited#DIV/0!#DIV/0!30.00%16.67%16.67%20.00%22.50%20.00%10.00%20.00%20.00%#DIV/0!2%
61
Bonus / Feeno fee160%144%22%108%86%#VALUE!no fee0%0%0%0%921%no feeno feeno feeno feeno feeno fee316%no fee0%190%no feeno fee0%no fee0%no feeno fee632%91%842%no feeno feeno feeno fee316%51%0%no feeno feeno feeno feeno feeno feeno fee188%526%no fee529%no feeno feeno feeno feeno feeno fee$300 @$4k/90d