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Membership Rewards
Fee rose $695 → $895 in the Sep 2025 refresh
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Travel — Airfare | 5× | $500k/yr combined | Direct or via Amex Travel |
| Travel — Hotels (portal) | 5× | — | Prepaid via Amex Travel / FHR / The Hotel Collection only; direct hotel bookings earn 1× |
As high as 175,000 points
Membership Rewards
As high as 175,000 Membership Rewards points after $12,000 in purchases in the first 6 months. Offer varies by applicant; you may not be eligible.
Uses the workbook’s 2¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Amex once-per-lifetime; family rules; Chase 5/24 does not apply
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Headline maximum — exact offer shown during application (TPG / Credit Karma, Oct 2026).
Offer type, as listed: Public — as high as