American Express Starwood Preferred Guest (SPG) Luxury Card is finally here, with a 100K signup bonus.  Our review is now alive.  The card is totally worth keeping after the first year thanks to the annual $300 Marriott credits and the free night capped at 50K points level.  For your information, the new Marriott program has 8 redemption categories, and 50K points are required for a Category 6 standard awards night.  We have also updated the High-end Credit Card Comparison, as well as quite a few related reviews.

The Facts

• Annual Fee: $450
• Signup Bonus: 100,000 points after spending $5,000 within 3 months of new account opening.  The welcome offer is not available to applicants who have or have had this card.  Effective 8/26/18, welcome offer is not available to applicants who (i) have or have had JP Morgan Ritz-Carlton Rewards Credit Card in the last 30 days, (ii) have acquired Chase Marriott Rewards Premier Plus Credit Card, Chase Marriott Rewards Premier Credit Card, or Chase Marriott Rewards Premier Business Card in the last 90 days, or (iii) received a welcome or upgrade offer for Chase Marriott Rewards Premier Plus Credit Card, Chase Marriott Rewards Premier Credit Card, or Chase Marriott Rewards Premier Business Card in the last 24 months.  Historical best bonus: 100,000 points since introduced in August 2018.
• Application Landing Page
• Rewards: 6x Marriott portfolio hotels, 3x U.S. restaurants and airfare, and 2x everywhere else.
• Best Use of Marriott points:  (1) You may redeem points for hotel stays or upgrades at over 6,500 Marriott portfolio hotels worldwide, including Ritz-Carlton, St. Regis, Luxury Collection, JW Marriott, EDITION, W Hotels, Marriott, Renaissance, Delta, Gaylord, Autograph Collection, Sheraton, Westin, Le Meridien, Tribute Portfolio, Design Hotels, Courtyard, AC Hotels, Fairfield, SpringHill Suites, Protea, Moxy, Four Points, element, aloft, Residence Inn, TownePlace Suites, Marriott Executive Apartments, and Marriott Vacation Club.  (2) You may transfer points into airline miles of 30+ frequent flyer programs, mostly at 3:1 ratio.  If you transfer 60,000 points in a bulk you will get 5,000 miles as a bonus (60K points = 25 miles).  Please see our review on Marriott vs. MR vs. UR vs. TY vs. CR for details of the programs that allow frequent flyer miles transfer.  (3) You may also redeem points for Marriott Hotel+Air Travel Packages - you exchange a certain number of Marriott points for a certain number of frequent flyer miles plus a 7-night certificate for a Marriott portfolio hotel at a certain redemption level.  Generally, the new Travel Packages represent devaluation from the old Travel Packages before August 2018 - you save some points when use this option, but in our opinion most of the time the saving is not big enough for the hassle of finding a single hotel to stay seven nights in a row.
• Marriott Benefits: (1) Annual $300 statement credits towards purchases at Marriott portfolio hotels each membership year.  (2) An annual free night at any Marriott portfolio hotels with a redemption level of 50,000 points or less upon each cardmember anniversary after you renew the card (the e-certificate expires 12 months after issuance).  (3) Complimentary Marriott Gold Elite status, the third tier status in the combined Marriott loyalty program effective August 2018.  Normally achieved by staying at least 25 nights per year, Marriott Gold doesn't offer much but at least is better than nothing.  (4) Upgrade to Marriott Platinum Elite status, the second tier status, after you spend at least $75,000 in a calendar year.  Marriott Platinum, normally achieved by staying at least 50 nights per year and offering lounge access/free breakfasts and upgrades to a suite, is the real deal; however, spending $75K is quite a requirement.  (5) Coming 2019, 15 night credits toward elite status each calendar year.  (6) Free premium internet access at Marriott portfolio hotels.
• Other Benefits: (1) Priority Pass Select membership with unlimited access to over 1,000 airport lounges worldwide for you plus two guests. (2) Reimbursement for Global Entry ($100) or TSA PreCheck ($85) application fees every four years.  (3) Waived foreign transaction fees, with an embedded EMV chip.  (4) Amex 24/7 Concierge Service.  (5) Amex Offers - you receive savings in form of statement credit or earn bonus points on select merchants when using your Amex card; you need to manually add an offer to your Amex card to be eligible for savings or bonus, and unlike other savings/bonus programs, you don't need to shop through a certain portal.  (6) ShopRunner membership for free 2-day shipping with select merchants.  (7) Entertainment Access including American Express Presale, American Express Preferred Seating, and Premium Access (dining access).  (8) Unlimited Boingo Wi-Fi plan.  (9) Premium Roadside Assistance - while most credit card's roadside assistance service only dispatches a provider and you have to pay for the actual charge, Amex Hilton Aspire is among the very few cards that cover towing up to 10 miles and other incidental charges, up to 4 times in a calendar year, regardless of how far you are away from home.
• History: with the merger of Marriott Rewards and Starwood Preferred Guest programs in August 2018, Amex introduced the SPG Luxury Card as the flagship credit card in the combined loyalty program.

The Math

First of all, the effective annual fee of Amex SPG Luxury Card is very reasonable at $150 after considering the easy-to-use $300 annual Marriott credits.  With that, you receive several valuable perks including the 50k-point free night, 15 elite qualifying night credits, and Priority Pass Select membership.

Even though Marriott points are probably our favorite frequent traveler currency (thanks to Marriott's decision of keeping SPG's best feature), the earning rate of 2x points in the general spending category offered by this card (as well as any other Marriott credit cards) is not that impressive, especially compared to the old Amex SPG which technically returned 3x Marriott points for general spending.  Our current valuation of Marriott points is 0.75 cent a piece, which means that this card returns 1.5%, 2.3%, 4.5% travel rewards for the 2x, 3x, and 6x categories, respectively.  For general spending, you might want to consider a 2% cashback card without annual fees (such as Citi Double Cash) or a miles credit card with potential higher return such as Amex EveryDay Preferred (which returns 2.25% travel rewards when you have at least 30 transactions per month) and Chase Freedom Unlimited (which returns 2.25% travel rewards when you pair it with Chase Sapphire Reserve or similar premium UR cards).  The bottom line is that we won't recommend this card for spending, probably except for purchases at Marriott hotels.  In this way, this card is considered a great "drawer card".  How about spending $75K to get the lucrative Marriott Platinum status?  Let's use 2% cashback as the benchmark - your "complimentary" Marriott Platinum essentially costs you $75,000 x (2% -1.5%), i.e., $375 per year.  This may be reasonable for some travelers but probably not for most.

​Amex SPG Luxury vs. Amex SPG: the effective annual fee on the SPG Luxury Card is only $55 more than the lower-tier SPG Card.  With that, you get a 50K-point free night instead of a 35K-point free night, Marriott Gold for free instead of spending $35K, the potential Marriott Platinum after $75K spending, as well as Priority Pass Select membership, Premium Roadside Assistance, etc.  It is almost a no-brainer to pick the more expensive card as long as you stay at least a few nights at Marriott portfolio hotels.

Amex SPG Luxury vs. Amex Hilton Aspire: As the flagship credit card in each of their program, each card carries a $450 annual fee and offers complimentary Priority Pass Select membership with unlimited access for you plus two.  How do they compete with each other?  Let's first compare the annual statement credits - SPG Luxury offers $300 for any Marriott portfolio hotel purchases, while Hilton Aspire offers $250 for airline incidentals plus $250 for Hilton portfolio resorts; obviously, SPG's credits are easier to use, but Hilton's total credits are $200 more - considering both the absolute value and how easy to use, we call it a draw.  Secondly, let's look at the annual free nights - Hilton Aspire wins this one as the annual free weekend night can be redeemed at any Hilton portfolio hotels, while SPG Luxury's free night is capped at 50K-point properties (a top-tier hotel requires 70K-100K).  Thirdly, Hilton Aspire's complimentary Diamond status again blows SPG Luxury's complimentary Gold status out of water.  Marriott Platinum status will be a good match of Hilton Diamond status, but it does require a whooping $75K annual spending on the card.  Lastly, while we don't recommend either card for general spending, charging the hotel purchases to either card does make sense and the value actually compares well - Hilton Aspire's 14x points (5.6% cash equivalent return in our book) vs. SPG Luxury 6x points (4.5% in our book and offering more flexibility due to the valuable airline miles transfer).  In general, Amex Hilton Aspire packs more value in our opinion, but which to pick actually heavily depends on which frequent guest program you are more loyal to.

To see how Amex SPG Luxury Card competes with other cards with similar annual fees, please check out our featured review Comparing High-end Cards covering Amex Platinum Card, Amex Delta Reserve, Amex Hilton Aspire, Amex SPG Luxury, Chase Sapphire Reserve, Chase United MP Club, Citi Prestige, Citi AA Executive, U.S. Bank Altitude Reserve, CNB Crystal, and MasterCard Black Card.

The Conclusion
Amex SPG Luxury, with the annual $300 Marriott credits and the anniversary free night, is such a great card to keep without ever spending a dime on, even for travelers that only stay at Marriott portfolio hotels just a few times a year.  For travelers that frequent Marriott, this card's 6x points on Marriott purchases, 15 elite qualifying night credits, and the potential Marriott Platinum after $75K spending, are all worth looking into.  It is currently rated as one of Best Credit Cards for Perks.

We have been continuing to make updates throughout the site.  Here are some highlights.

• Chase has brought to us the best signup bonus on its Marriott Visa personal card.  You will receive 107,500 Marriott Rewards points after you spend $5,000 and add an authorized user within 3 months of  new account opening.  As the Marriott Rewards and Starwood Preferred Guest (SPG) programs are on the way to integrate and allow points transfer between linked accounts at a ratio of 3:1, our valuation of Marriott Rewards points is now 0.75 cent per point, exactly a third of that of SPG points.  The $85 annual fee is not waived, so this signup bonus is worth ~$720 in our book.  107,500 Marriott points can be transferred to 35,833 SPG points, and this offer is similar in value to Amex SPG which offers 35,000 SPG points with an annual fee waiver.
• Amex has upped signup bonus of its Amex Hilton Surpass (annual fee $75) and regular Amex Hilton (no annual fee): Surpass offers 100K points upon signup plus a free weekend night at select Hilton Worldwide hotels after you pay the second annual fee; the regular Hilton Amex offers 80K points on signup.  As our valuation of Hilton points is 0.4 cent per point, the signup bonus is worth $325 for Surpass and $320 for regular Hilton Amex, respectively.  For the second year after paying the $75 annual fee, Surpass also gives a free night, which can invaluable.  Both signup offers are the best in history.

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Amex SPG (Starwood Preferred Guest), the No.3 Best Credit Card by Dr. Credit Card, has come back to give the 35K offer once again.  This is the best signup bonus on this card in terms of total points; however, the spending requirement is a little higher than the similar offer that came out about a year ago.  If you open both personal and business SPG Card, you will receive a total of 70,000 points.  Keep in mind that you can only get the signup bonus when you have never received bonus on the specific card before.  For example, if you received bonus on the personal SPG Card before you are not eligible for the 35K on the personal card, but if you never received bonus on the business card then you are still eligible for the 35K on the business card.

With the merger between Marriott and Starwood, you can now link your SPG account to your Marriott / Ritz-Carlton Rewards account and transfer SPG points to Marriott / Ritz-Carlton Rewards points at a ratio of 1:3.  Thus the signup bonus of 35,000 SPG points equals to 105,000 Marriott points.  If you open both personal and business cards, you can transfer 70,000 SPG points to 210,000 Marriott points.  As we expect at some point, Amex SPG Card will be gone, it is your best chance of getting a boatload of SPG/Marriott points if you have never had SPG Card before. 

Personal Amex SPG Landing Page: you will receive 25,000 points after spending $3,000 within 3 months of new account opening, and another 10,000 points after spending an additional $2,000 within 6 months, thus a total of 35,000 points with $5,000 spent.

Business Amex SPG Landing Page: You will receive 25,000 points after spending $5,000 within 3 months of new account opening, and another 10,000 points after spending an additional $3,000 within 6 months, thus a total of 35,000 points with $8,000 spent.

We have been continuing to make updates throughout the site.  Here we would like to highlight a few important ones:

• Wyndham Rewards Visa has been revamped.  The no-fee version offers 3x points on Wyndham, 2x on gas, utility, grocery stores, 1x everywhere else, and automatic Gold status.  The $75 version offers 5x points on Wyndham, 2x on gas, utility, grocery stores, 1x everywhere else, 6,000 annual bonus points, and automatic Platinum status.  Compared to the old Wyndham Visa, the new cards reduce points earning on general spending from 2x to 1x, but add automatic elite status as well as waived foreign transaction fees.  As we value Wyndham points at around 1 cent per point, the old cards offer great rewards for general spending and thus rated #6 Best Card for Rewards.  We had concern about uncertainty in the rewards program before and it is very sad to see Wyndham/Barclays simply decides to slash the rewards for general spending in half.  Now the new cards won't make it to Top 10.  Even though the new perks such elite status may attractive some customers, we won't recommend the new cards for general spending at all.  It is interesting that you may still sign up the old cards through the old landing page.  We think the existing cardholders have to be grandfathered in for 2x points on general spending, but we have no info at this point and probably won't know how long it will last even if it is indeed the case.
• JetBlue's frequent flyer program TrueBlue has been added as a transfer partner of Citi ThankYou.  You can now transfer ThankYou points to TrueBlue points at a 1.25:1 rate, if you have either ThankYou Premier or Citi Prestige.  TrueBlue points are mostly fixed at value of 1.4 cents per point, so if you use this option, the value of ThankYou points will be 1.12 cents per point - not a very good way of using ThankYou points.  A better way would be using ThankYou to book a revenue JetBlue flight through Citi at fixed value of 1.33 cents per point, instead of transferring the points to JetBlue and then booking an award ticket.  Our value for ThankYou points is 1.4 for ThankYou Premier considering other valuable transfer partners, and 1.6 for Citi Prestige considering the fixed value for booking an American Airlines flight through Citi.
• JP Morgan Ritz-Carlton Visa Infinite offers $100 companion discount per trip for 2-5 domestic round-trip coach class tickets on your reservation.  Even though the terms say that primary cardholder must be one of the ticketed passengers, there are reports confirming that authorized users also enjoy this benefit for free.  This may potentially increase the value of this card quite a bit.
• Marriott and Starwood Preferred Guest (SPG) offer reciprocal earnings on their credit cards.  Chase Marriott Visa and JPM Ritz-Carlton Visa will start earning 5x points on SPG hotels; while Amex SPG will start earning 2x points on Marriott/Ritz-Carlton hotels.  The two loyalty programs will eventually merge in 2018, but before that customers can take advantage of the best of both programs.  Details about the future of these credit cards still remain uncertain.  We suspect that Marriott or Ritz-Carlton cards probably won't change much, while Amex SPG will probably convert to a Chase product at some point in 2018.

In addition, you may find the following news interesting.

• Amex offers 2x points for select small business purchases through 12/31/16.  That is an additional 1x points you can earn through this "Shop Small" promotion.  You have to enroll your Amex at https://www.americanexpress.com/us/content/shop-small-offer/ to take advantage of this promotion.  They also have a useful search tool for you to find the participating small businesses in your area.  The following cards are eligible: Membership Rewards cards (such as Amex Platinum, Amex Premier Rewards Gold, Amex EveryDay Preferred), Delta SkyMiles cards, SPG cards, Blue Sky cards, Blue Cash cards, Hilton HHonors cards, Plenti Card, and Schwab Investor Card.
• Per Bloomberg, Chase will introduce a new business card product called "Ink Preferred", which features a 80K points signup bonus, a $95 annual fee (waived for the first year), 3x points for the first $150K spent on travel, telecommunications, shipping and advertising on social-media and search engines, and 1x points on other purchases.  Chase already has a $95 business card Ink Plus, which offers 5x points on office supplies, wireless services, landline communications and cable services (up to $50K spent annually), 2x on gas and lodging (up to $50K spent), and 1x on other purchases.   At this point, we don't know whether Ink Plus will continue to be offered alongside with Ink Preferred or be converted to the new card in the future.

© 2016 DrCreditCard.net  All rights reserved.

Please check out our Promotions page for currently the best offers including four new offers: 60,000 miles on Citi AA Executive WEMC, 60,000 miles + 10,000 MQMs + $100 credit on Amex Delta Platinum SkyMiles (personal or business), 50,000 miles + $50 credit on Amex Gold Delta SkyMiles (personal or business), and 30,000 miles + $100 credit + a $99 companion certificate on BofA Alaska Visa.

Our Points page has been updated to reflect our revised recommendations for the Best Two-Card Combos, which we copy below:

Best Rewards Credit Card Combos
Theoretically you need way too many cards to maximize rewards - one for gas, one for groceries, one for dining, one for airfare, one for hotels, one for general spending, and so on.  In real life, most of us can't manager that.  That is why here we will recommend the best two-card combos that will hand you much bigger rewards than a single card while still keeping things manageable.

• Fidelity Visa | Citi Double Cash + one category bonus cashback card: This combo is for people who love cash back!  As presented before, Fidelity Visa and Citi Double Cash, both with no annual fees and offer a straightforward unlimited 2% cashback, are extremely hard to beat.  Of course, you may also consider Barclays Arrival Plus for 2.11% travel rewards and other added benefits come with the $89 annual fee.  No doubt you will put most of your spending on one of these three cards.  However, adding a 5% category bonus card will certainly get you more cash.  You need to do your math to figure out which category you spend the most and how much you can earn by carrying an extra card.  Say if you spend $500 each month on a 5% category, every year you will earn $500 x 12 x (5-3)% = $180 beyond your normal 2% cash back by carrying this extra card.  Some people may say "$180 is awesome! I am in." but some may say "For the hassle of remembering which card to use, I will pass."  So it is totally up to you.  Now let's look into the most popular bonus categories to give you some ideas: (a) Groceries: Amex Blue Cash Preferred ($75 annual fee, 6% on groceries for up to $6,000 spent each year) - to maximize cashback, you will spend $6,000 a year on groceries and the extra cashback you earn beyond 2% is $6,000 x 4% - $75 = $165; (b) Gas: PenFed Platinum Rewards Visa Signature ($0 annual fee, 5x points on gas) - if you monthly gas expense is $600, the extra cashback  beyond 2% is $600 x 12 x 2.25% = $162;  (c) Airfare: PenFed Premium Travel Rewards Amex ($0 annual fee, 5x points on airfare) - if your annual airfare expense is $8,000, the extra cashback beyond 2% is $8,000 x 2.25% = $180; (d) Chase Freedom or Discover it ($0 annual fee, 5% on quarterly rotating categories, up to $1,500 spent each quarter) - the annual maximum extra cashback beyond 2% is $1,500 x 4 x 3% = $180; (e) US Bank Cash+ ($0 annual fee, 5% on two categories you select, up to $2,000 spent each quarter) - the annual maximum extra cashback beyond 2% is $2,000 x 4 x 3% = $240.
• Amex SPG + Amex Premier Rewards Gold | Citi ThankYou Premier: This powerful combo is for people who prefer miles/points to cashback.  Amex SPG will be the card for most general spending, as it has the highest return rate (=2.25%) among all four programs that allow points transfer to frequent traveler miles/points.  Then, you may choose between PR Gold and ThankYou Premier as the second card.  Both offer very powerful bonus categories: PR Gold covers airfare (3x) and gas & groceries & dining (2x); ThankYou Premier covers gas & travel (3x) and dining & entertainment (2x).  While Amex MR points and Citi ThankYou points are worth pretty much the same in our book, which card to pick eventually depends on your spending patterns and the frequent traveler programs you have in mind for transfer.  Finally, you may also consider Sapphire Preferred, Amex EDP, or Citi Prestige as the bonus category card.
• Amex EveryDay Preferred + Citi Prestige: We highly recommend this combo as an alternative to the previous one, for the simple reason that the two cards complement each other in the bonus categories almost too perfectly.  With 30 transactions per month, EDP offers highest return for groceries (4.5x, up to $6,000 spent each year) and gas (3x), while Prestige covers airfare & hotels & travel agencies (3x) and dining & entertainment (2x).  So with this combo, you can easily cover the five most important bonus categories: grocery, gas, dining, airfare, and non-air travel, with only two cards - that is an incredible deal!  As for general spending, EDP returns higher rewards at 1.5x (=2.25%) and will be ideal for most purchases.  However, we recommend using Citi Prestige for items that may have price drop within 60 days such as electronics for the Citi Price Rewind benefit, and when traveling abroad for the waived foreign transaction fees and embedded EMV chip.
• Chase Freedom Unlimited + Chase Sapphire Preferred: Even though Chase Freedom Unlimited is branded as a cashback card, it actually earn UR points at 1.5x for all purchases without an annual fee.  Normally you won't be able to transfer UR points earned through Freedom Unlimited to frequent traveler miles/points since it is a lower tier UR product, limiting the value of a point at 1 cent.  However, the secret here is that if you have a premium UR card such as Sapphire Preferred, you can transfer the UR points earned from Freedom Unlimited to Sapphire Preferred account so all of sudden these points become transferable to miles/points.  This hugely increases the value of Freedom Unlimited, making it returning an impressive 2.25% cashback equivalent for general spending based on our current valuation of UR points.  Obviously, Sapphire Preferred will be the card to charge to for travel & dining (2x).  In addition, we recommend using Sapphire Preferred for foreign travel and items that may have price drop within 90 days.  Lastly, if you don't mind having three cards in your wallet, adding Chase Freedom, which returns 5x on quarterly rotating categories, will make amazing Chase UR triplets.  UR points earned through Freedom are also transferrable to frequent traveler miles/points when you have Sapphire Preferred, and then Freedom returns an incredible 7.5% on 5x categories.  Bear in mind there is a quarterly $1,500 spending cap for the 5x categories on Freedom, so if you do everything exactly right, you will be earning an extra 21,000 UR points a year (1,500 x 4 x (5 - 1.5) = 24,000) by adding this non-fee card to your wallet.

Through March 30, 2016, Amex has offered 35,000 points bonus for its Amex SPG, for both personal and business versions.  This is by far the best signup bonus we have ever seen on this product.  The previous highest bonus was 30K points.  You will need to spend $3,000 within 3 months to receive 35K points for the personal card version, and you will need to spend $5,000 within 3 months to receive 35K points for the business card version.  The $95 annual fee will be waived for the first year.  Our current valuation of Starpoints after March 22, 2016 is 2.1 cents per point, thus the signup bonus for each card will be $735.  If you sign up both personal and business cards, you will receive 70,000 points - $1,470 in value.

We will argue that this is the best time to sign up an Amex SPG since we speculate some time beyond 2016, SPG will be folded into Marriott Rewards program and this credit card product will be no more so will be the signup bonus.  If you haven't had Amex SPG, one of our favorite cards, sign one up now.

Personal 35K offer landing page
Personal 35K offer application page
Business 35K offer landing page
Business 35K offer application page

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Amex has offered increased signup bonus to 30,000 points (from the regular 25,000 points) for its Amex SPG, for several summers in a row.  Now it is back through September 14, 2015.  This time, you will need to spend $3,000 within 3 months to receive 30K points for the personal card version, and you will need to spend $5,000 within 3 months to receive 30K points for the business card version.  Our current valuation of Starpoints is 2.25 cents per point, thus the signup bonus for each card will be $675.  If you sign up both personal and business cards, you will receive 60,000 points.

Also note that even though the annual fee is waived for the first year, it has been increased from $65 to $95 effective today.  However, Amex does bring a few new perks to justify the increase in annual fees: waived foreign transaction fees, complimentary unlimited Boingo Wi-Fi plan, complimentary premium internet at participating Starwood hotels, and finally access to Sheraton Club Lounges for business cardholders.  We have updated our review to reflect these changes. 

Landing page for personal card
Application page for personal card
Landing Page for business card
Application page for business card

© 2015 DrCreditCard.net  All rights reserved.

2014 is an interesting year for those who are interested in the programs that allow points transfer to miles/points of frequent traveler programs (airline or hotel loyalty programs).  Before July 2014, we had three excellent programs that had the transfer features - Starwood Preferred Guest (SPG), Membership Rewards (MR) from American Express, and Ultimate Rewards (UR) from Chase.  In July, Citi finally enhanced its rewards program - ThankYou (TY) to allow miles/points transfer.  In September, Diners Club started accepting new applications for personal cards in the U.S., and now we have another program - Club Rewards (CR) with the transfer feature that is widely available to U.S. consumers.  Please see our updated featured review SPG vs. UR vs. MR vs. TY vs. CR for details.

In April, Amex introduced the EveryDay Preferred, which we think is the most exciting new product Amex brought to the market in years.  In September, Diners Club rebranded Carte Blanche personal card Diners Club Card Elite, which is a great alternative to some of our favorite cards.  In October, Citi Prestige did away with the old flight points and 2-1 rewards structure and began the new 3-2-1 rewards structure.  All these dramatically changed our recommendations for the best two-card combos.  Please see our updated featured review Best Two-Card Combos.

Also updated are two other featured reviews - All About Airport Lounges and Comparing High-end Cards.