Offer
Use it to earn it
- 2% cash back on Gas and Grocery
- 2% cash back on Recurring Payments
- 1% cash back on Everything Else
Up to $80 cash back as a welcome bonus:
- $50 cash back when you spend $1,000 in the first three months
- $10 cash back when you set up a pre-authorized payment within the first three months
- $20 cash back for each friend or family member you refer
Fees & Conditions
Personal Income
$0
Household Income
$0
Annual Fee
$65
First Additional Card
$0
Other Additional Card
$0
Foreign Transaction Fee
2.5%
Purchase Rates
20.99%
Cash Advance Rates
22.99%
Balance Transfer Rates
21.99%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Jul 28, 2025
Welcome Bonus amount
Up to $80 cash back
Minimum Spending Required
$1,000
Minimum Spending Timeframe (Months)
3 month(s)
Earnings
Per dollar of purchases
All Spending
1 %
Groceries
2 %
Gas
2 %
Dining and Food delivery
1 %
Convenience Stores
1 %
Drugstores
1 %
Local Transport
1 %
Travel
1 %
Entertainment
1 %
Recurring Payments
2 %
Telecom/Internet
1 %
Streaming services
1 %
Online transactions
1 %
Office Supplies
1 %
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
