Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
A no-FX-fee travel card with airport lounge access: earn Scene+ points that redeem flexibly for any travel, and multipliers that uniquely apply to purchases made abroad.
Travellers who want lounge access and no-FX-fee spending with flexible points.
People who spend abroad
the earn multipliers uniquely apply to foreign purchases.
You want the highest everyday earn (the Gold Amex out-earns it on groceries/dining).
You can't meet the $60k income bar, or won't use the lounge perk.
Watch-outs Lower everyday multipliers than the Gold Amex. · The 10k annual bonus needs $40k/yr spend — many won't reach it.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.