At first glance, they don’t seem that different. Both cards:
- Earn American Express Membership Rewards points. These can be redeemed directly for travel and other purchases through Amex Travel, or transferred to over 20 airline and hotel partners, which makes them especially versatile.
- Earn 1x point per dollar on most purchases. However, both also earn 5x points per dollar on flights and prepaid hotels booked on AmexTravel.com (the personal version earns 5x on flights booked directly with airlines, too).
- Offer up to $200 in airline incidental fee rebates each calendar year that cardholders can put toward purchases like seat selections, checked bags and lounge passes with an airline of their choice.
- Allow cardmembers with either product who pay for a TSA PreCheck ($85) or Global Entry ($100) application to be refunded once every four years.
- Offer some of the most wide-ranging access privileges at airport lounges including entry to over 1,200 Priority Pass locations worldwide, Amex’s own Centurion Lounges and Delta Sky Clubs (when flying Delta).
- Allow cardholders to register for automatic Marriott Bonvoy Gold and Hilton Honors Gold status and can score hundreds of dollars’ worth of perks on Fine Hotels & Resorts bookings.
- Charge relatively high annual fees – $550 in…