Speaking from my perspective:

Allure: 100k UR points after 4k spend got my attention

Value: $150AF effective or (0 for me so far) for a $430 PP and $600 UC (documented if you ask for PDF) for a 3x dining and 3x travel card with primary CDW and the best travel protection benefits suite has made this instantly my top card for the past 2 years. I would say 70% of my spend goes on JPMR. But your value YMMV.

Trying to compare the perks of a $450 card to a $2500+$7500 card is simply laughable and not sure where you even find them comparable. They are different in every possible way their only similarity is that they are invitation products.

Ironically on a value perspective, the JPMR blows the Centurion out of the water. Realistically I value the Centurion at around $800-$1000. The primary benefit of that card (at least for me) is Delta Platinum and Hilton Diamond. With the Business Plat Pay with points rebate of 35% and Personal Plat 5x on airfare. The Centurion is basically obsolete in my wallet. I literally charged 4 figures the entire 2018 on that card. And with Hilton Aspire, the Diamond benefit of the Centurion is null. My Japan Amex Delta Gold for $250 a year offers me Gold medallion. And I see no tangible difference between Gold and Platinum. Both are SkyTeam ElitePlus, higher priority on upgrade list that again is not relevant for my frequent international itineraries.

If anything I find my Centurion to be offensive and contradictory to everything I do as a travel savvy millennial. It’s a card that I pay more in fees than ALL of my other cards combined. I get value from it that is niche and not outsized in any way (like a tasting menu at the HK lounge and random gifts and crap I don’t care about), and year after year I let Amex rip me off but yet I will never cancel the card because I probably will never have the chance to get it again. So yeah on a value perspective it comes pretty low.

JPMR, Amex Plat, and Amex Centurion in the US all offer Priority Pass Select, with unlimited member visits and 2 guests per visit. My old Japan Centurion, which I card transfered to the US Centurion offered a Priority Pass without the “Select”, and was the Prestige. Keep in mind this “Select” is much better than the “Real” US$430 Priority Pass Prestige, which charges $32 for each guest. The only PP better than all these is the Ritz-Carlton Rewards Card PP which offers unlimited visits and unlimited guests.

@mia, silly question but how do I turn off notifications for each post? Been getting a ton of emails from FlyerTalk even if not responding to me...lol.

Oh and Mia, all Chase/JPM cards are chip and pin. Set up your cash advance pin and use it. I was in London and used it on the underground, Tesco, and small stores with the finicky izettle readers. Punched in cash advance pin when prompted and charges all went through as purchases no issue. This has worked on my IHG (MasterCard) and JPMR and Ritz (Visa). Same with Centurion. You have to set up Express Cash and link it to a checking account and you are issued a PIN. It works the same way and charges go through as purchases.

A receipt. JPMR is chip and signature. May be able to use in selective locations with pin, but most everywhere need to sign a receipt.