1. You need to have good credit.

2. You are most likely to get this offer only if you don’t also already have an AmEx card.

3. Comes with $ 550 annual fee but the 125K bonus points, airport lounge access, Uber credit, airline expense credit, SPG gold status (this will also give you Marriott Gold status), Hilton gold status, Fee Credit for Global Entry or TSA Pre, etc, etc, will more than make up for the fee. if you are not satisfied, you can always cancel after Year 1 after pocketing the 125K points.