Snapshot
Welcome Offer
Bonus None None Spend Requirement — — Timeline — —
Rewards Breakdown
Base Rate 1.5% (base) 1.0% (base) Travel 2.0% 2.0% Restaurants 2.0% 3.0% Rent (up to 100,000 points per year) 1.5% (base) 1.0% Anniversary Bonus None None Portal Boost 1x 1x
Benefits & Partners
Transfer Partners None 14 partners Annual Credits None None
Transfer Partners
Pricing Details
Purchase APR 20.24% - 27.24% 21.49% - 29.49% Cash Advance APR 29.99% 29.49% Penalty APR N/A N/A Late Fee $40 $40 Balance Transfer Fee undefined% (min $0) N/A
Insurance & Protections
Auto Rental Primary Primary Baggage Delay Covered up to $100 per day for 5 days — Baggage Loss Covered up to $3,000 per passenger — Cell Phone Protection — Up to $800 per claim Extended Warranty Extends warranty by 1 year — Purchase Protection Covered up to $10,000 per claim Up to $10,000 per claim Return Protection Covered up to $300 per item — Trip Cancellation Interruption Covered up to $2,500 per person Up to $5,000 per passenger Trip Delay Covered up to $500 per ticket for delays over 6 hours Up to $200 per day (max $1,800) Tsa Precheck Global Entry Up to $100 statement credit every 4 years —
Usability & Experience
Digital Wallet N/A N/A Instant Card Number — — Credit Bureaus N/A N/A
Strategy & Eligibility
Recommended Credit N/A N/A Application Rules Standard Standard
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