Up to 2% cash back on eligible purchases in bonus categories
2% on restaurants
2% on entertainment purchases
2% on alternative transportation
Up to 2% on pre-authorized payments
0.5% cash back on all other purchases
Cash back is credited once minimum redemption threshold is reached
Built-in perks & coverage
Travel insurance (3-day coverage)
Emergency travel insurance for trips up to 3 days when eligible travel expenses are charged to the card, including emergency medical, baggage, and trip interruption coverage.
Emergency medical coverage
Up to $5 million per insured person for eligible emergency medical expenses during covered short-duration travel.
Trip cancellation and interruption coverage
Coverage for eligible trip cancellation or interruption expenses when travel is purchased with the card, subject to policy limits.
Baggage insurance
Coverage for lost, stolen, or delayed baggage up to defined limits when travelling under eligible conditions.
Mobile device insurance
Up to $1,000 coverage for eligible mobile devices against loss, theft, accidental damage, or mechanical failure when purchased or financed with the card.
Purchase protection
90-day protection against loss or damage for eligible items purchased with the card.
Extended warranty
Extends manufacturer warranty by up to 1 additional year on eligible purchases made with the card.
Car rental discounts
Discounts up to 15% with Hertz and up to 10% with Dollar and Thrifty when booking rentals using the card.
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Fraud protection
Zero liability protection for unauthorized transactions plus fraud monitoring and security alert services.
The verdict
What we like
No annual fee, making it highly accessible for broad consumer adoption
Simple cashback structure with up to 2% in everyday categories