Snapshot
Welcome Offer
| Bonus | None | None |
| Spend Requirement | — | — |
| Timeline | — | — |
Rewards Breakdown
| Base Rate | 1.5% (base) | 1.0% (base) |
| Restaurants | 1.5% (base) | 3.0% |
| Travel | 1.5% (base) | 2.0% |
| 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 | 9.99% - 17.99% | 21.49% - 29.49% |
| Cash Advance APR | 21.74% | 29.49% |
| Penalty APR | 23.24% | N/A |
| Late Fee | $40 | $40 |
| Balance Transfer Fee | N/A | N/A |
Insurance & Protections
| Auto Rental | ✓ | Primary |
| Baggage Delay | — | — |
| Baggage Loss | — | — |
| Cell Phone Protection | — | Up to $800 per claim |
| Extended Warranty | ✓ | — |
| Purchase Protection | 120 days | Up to $10,000 per claim |
| Return Protection | — | — |
| Trip Cancellation Interruption | — | Up to $5,000 per passenger |
| Trip Delay | — | Up to $200 per day (max $1,800) |
| Tsa Precheck Global Entry | — | — |
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 |
