American Express CEO Stephen Squeri said on Thursday that Gen Z and millennial Amex holders have better FICO scores and a lower delinquency rate.

It's a luxury card for those who fly frequently with Delta and can maximize the card's rich benefits. Those seeking a lower annual fee and more flexibility have other options.

This card features rich benefits for foodies, including lucrative rewards at restaurants and U.S. supermarkets, plus various dining credits that can help offset its admittedly pricey annual fee.