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Summary of Premier Rewards Gold costs and benefits, effective 6.1.2015:

Cost
$195 Annual fee
$100 Reduced by Airline Fee Reimbursement
$ 95 Net

Benefits
No foreign transaction fee

Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)

Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year; 5 years maximum)

Rewards
3x Airfare
2x Gasoline
2x Dining
2x Groceries (no cap)
1x General


Compare with American Everyday Preferred

Cost
$ 95 Annual fee

Non-Benefit
2.7% Foreign transaction fee

Travel Protection:
Auto rental CDW (Secondary)
Roadside Assistance
Baggage Insurance (lost, stolen or damaged; not coverage for delays)
Travel Accident Insurance (Life insurance, excludes award redemptions)

Shopping Protection:
Return Protection ($300 maximum per item, 90 days)
Purchase Protection (damage or theft, 90 days; no coverage for lost)
Extended Warranty (Up to one extra year, 5 years maximum)


Rewards (assuming 30 transactions per month)
4.5x Groceries (capped at $6,000 per year)
3.0x Gasoline
1.5x General


Compare with Chase Sapphire Preferred

Cost
$ 95 Annual fee

Benefits
No foreign transaction fee

Travel Protection
Auto Rental CDW (Primary)
Lost or Delayed Luggage Reimbursement (covers award tickets)
Trip Cancellation or Interruption Insurance (covers award tickets)
Travel Accident Insurance (Life insurance, $500,000)

Shopping Protection
Return Protection ($500 maximum per item, 90 days)
Purchase Protection (damage or theft, $500 per item, 120 days; no coverage for lost
Price Protection ($500 per item, 90 days)
Extended Warranty (Up to one extra year, 3 years maximum)

Rewards
2x Travel
2x Dining


Compare with Citi Premier, effective 4.19.2015

Cost
$ 95 Annual fee

Benefits
No foreign transaction fee

Rewards
3x Travel
3x Gasoline
2x Dining
2x Entertainment
1x General