Pros & Cons

Pros

  • +Welcome Bonus: 20,000 points
  • +Purchase protection included
  • +No annual fee

Cons

Our Review

No Longer Accepting Applications

Rewards

All Spending

1x

American Express Membership Rewards pts per dollar

Groceries

2x

American Express Membership Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel1x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
All other spending1x
$500/mo

Points Earned

38,400

American Express Membership Rewards/yr

Estimated Value

$384

After Fees

+$384

1st Year Value

$584

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.28x
Total points earned38,400 pts
Value of points accumulated in the first year$384

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide).

Purchase Protection

Purchase Protection

Up to $1,000 / 90 days

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Terms & Conditions

Card Features

No Longer Accepting Applications

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.