Rewards
Annual Credit
When you spend on air travel, you can get a $100 annual airline credit.
Pros & Cons
- No foreign transaction fee
- Up to 2% cash back value
- Annual fee
- No welcome bonus
- Requires good credit
Features & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection |
Contactless Payments | Apple Pay, Google Pay |
Benefits | Cell Phone Protection, ShopRunner, 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Auto Rental Collision Damage Waiver, Concierge Services, Emergency Travel Assistance, Airport Lounge Access, Luggage Protection, Trip Delay Reimbursement, Travel Accident Insurance, Trip Cancellation Insurance |
Interest Rates & Fees
Annual Fee | $495 Annual Fee and $195 for each Authorized User |
Foreign Transaction Fee | None |
Regular APR | 17.24% (V) APR |
0% Intro APR
Balance Transfers | 0% Intro APR for 15 months on balance transfers, then 17.24% (V) APR after that. |
What Are the Best Alternatives?

Chase Sapphire Reserve®
Rating
Rewards Range
1x - 10x
Annual Fee
$550

The Platinum Card® from American Express
Rating
4.5
Rewards Range
1x-10x
Annual Fee
$695

Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0