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At a glance

1 point
1 point for every $1 spent on all purchases (2% value for Airfare Redemptions & 1.5% value for Cash Back Redemptions)

Ongoing Purchases APR

20.24% to 28.24% Variable APR on purchases and balance transfers, based on your creditworthiness and other factors

Introductory Balance Transfer APR

0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.

Ongoing Balance Transfer APR

20.24% to 28.24% Variable APR on purchases and balance transfers, based on your creditworthiness and other factors

Ongoing Cash Advance APR

29.99% Variable APR on cash advances
$495 ($195 for each Authorized User added to the account)
740-850Excellent
  • Ideal for those seeking a top-of-wallet premium card with straightforward rewards and exceptional service. Cardmembers can avoid juggling various cards and monthly statements while benefiting from travel perks and enhanced protection that exceeds standard credit cards.
  • Offers a flat-rate redemption value of 1.5% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardmembers earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.

Our Take

TPG Editor‘s Rating

Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
2.5/5

Overview

This is a premium card with benefits to elevate your travels. However, it lacks premium rewards and does not have a welcome bonus; because of this, you may be better off with another card that offers great travel benefits and protections and allows you to earn a welcome bonus.
Read the full review

Pros

  • $100 annual airline credit
  • Reimbursement for your Global Entry or TSA PreCheck application fee
  • Priority Pass Select membership

Cons

  • Weak reward rate of just 1 point per dollar spent on all purchases
  • No transfer partners
  • High annual fee

Who is this card good for?

This card is good for travelers who want premium perks like lounge access and insurance protections but are not concerned with earning or redeeming points.

Earning Rewards

Earn 1 point per dollar spent on all purchases. Points can be redeemed at 2 cents apiece in value for airfare purchases or 1.5 cents apiece as a statement credit.