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If you eat out and travel a lot, it’s well worth it. While the annual fee is steep (I think $450), you get a $300 credit right off the bat on travel/dining (which also includes local transport, I.e. subway, Uber/Lyft, etc), so it’s really more like $150. You get 3% back on all dining/travel, and those points are worth 150% if you redeem through the Chase travel portal. Even better, if you’re a Star Alliance flyer (I.e. United, which I am) you can transfer the points on a 1:1 exchange directly to the airlines. I’ve been able to get some absurdly cheap upgrades with United and Singapore Air using this strategy. The car insurance is also solid (especially if you live in a city like NYC, SF, etc where you probably don’t have a car and insurance already, so it’s great for rentals).
The Priority Pass lounge access is a nice perk, but I wouldn’t put too much stock in that as PP in general has gone downhill the last couple of years - in most major airports now, I’m often unable to access the lounges as they usually contract through partner airlines, and those airlines prioritize their own travelers/travelers with status on the same alliance over PP members. It’s still nice to have for cases of unexpected long delays though.
Another nice perk is a $100 credit every 4 years to cover TSA pre or global entry. Free premium membership with DoorDash and Lyft is also nice.
It’s also particularly useful if you pair with the Chase Freedom - you can transfer points between the two cards, effectively giving you 7.5% back on the Freedom rotating categories if you use to book travel through Chase.
Overall, well worth it if you travel and eat out a lot, but otherwise it will likely not be worth the $450 fee.
Best answer here
Annual travel credit, Priority Pass lounges, travel insurance, reimbursements for Instacart, Peloton membership, and Global Entry, free Lyft Pink subscription
Lyft pink is only a year. Peloton membership is free?
Reserve or Preferred?
Reserve
$500 trip delay insurance. Not that useful nowadays with covid, but was pretty epic back when it was 3 hours.
Best perk imo is the 300$ dining credit followed up by the priority pass (lounges at airports)
I think they expanded the travel credit to include dining. I’ve noticed a bunch of my dining/food purchases have been credited last week
Anyone know if preferred also gets priority pass or just reserve
Chief
Just Reserve
Car insurance on rental cars is the only reason I got it
Best perks? Travel insurance and Executive status at National, in that order. Travel insurance seems like a “nice to have” until you need it and learn just how valuable it is.
Priority Pass is a joke. Do not get the card for “lounge access” - there are better options for this.
Amex platinum gives you access to delta and centurion lounges. Although even those are crowded now that everyone has a platinum as well.
Isnt Lyft pink only for a year? Mine ended
Doordash credit too