Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Concierge benefit details — $95/yr annual fee
No foreign transaction fees on purchases made outside the United States, saving you money when shopping abroad or booking international travel.
Coverage for eligible purchases against theft or damage for 90 days from purchase up to $1,000 per incident and $50,000 per year.
Transfer ThankYou Points to 15+ airline and hotel partners at 1:1 ratio including American Airlines, Singapore, and Virgin Atlantic.
Access personalized travel, dining, entertainment, and lifestyle assistance via dedicated concierge phone line.
Concierge benefit details — $95/yr annual fee
No foreign transaction fees on purchases made outside the United States, saving you money when shopping abroad or booking international travel.
Coverage for eligible purchases against theft or damage for 90 days from purchase up to $1,000 per incident and $50,000 per year.
Transfer ThankYou Points to 15+ airline and hotel partners at 1:1 ratio including American Airlines, Singapore, and Virgin Atlantic.
Access personalized travel, dining, entertainment, and lifestyle assistance via dedicated concierge phone line.
Concierge benefit details — $95/yr annual fee
No foreign transaction fees on purchases made outside the United States, saving you money when shopping abroad or booking international travel.
Coverage for eligible purchases against theft or damage for 90 days from purchase up to $1,000 per incident and $50,000 per year.
Transfer ThankYou Points to 15+ airline and hotel partners at 1:1 ratio including American Airlines, Singapore, and Virgin Atlantic.
Access personalized travel, dining, entertainment, and lifestyle assistance via dedicated concierge phone line.