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Card Details
Interest Rates
Purchase: 20.99%
Cash Advance: 22.49%
Balance Transfer: 22.49%
Annual Fees
Main Card: $70
$0
First Year Rebated
Additional Cards: $35 (first year waived)
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
Welcome Bonus
Get up to 25,000 rewards points and save on annual fees for the first year after enrollment.
Finly Rating
2.8/5
Institution
National Bank
How You Earn Rewards
- 2x points per $1 spent on eligible grocery and restaurant purchases (max $1,000 spent per month - 1.5 points after)
- 1.5x points per $1 spent on eligible gas, electric vehicle charging, recurring bills, and travel booked through À La Carte Rewards
- 1x point per $1.5 (0.66x point per $1) spent on all other eligible purchases
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Purchase Protection
180 days
Extended Warranty
Up to 2 years
Emergency Medical Term
10 daysEmergency Medical (65+)
10 days
Trip Interruption
$1,500
Trip Cancellation
$1,000
Baggage Delay
$500Flight Delay
$500
Lost or Stolen Baggage
$1,000.svg)
Car Rental Damage & Theft
yes
Mobile Device Insurance
$1,000
Benefits
Details
Extra points
1.5 points on À La Carte Rewards
Pros & Cons
Pros
- 2 points per $1 on groceries and restaurants (up to $1,000/month), which drops to 1.5 points after that.
- Extensive insurance coverage: Includes 10 types of insurance, including some of the best purchase protection (180 days) and extended warranty (2 years).
- Good for travel: Offers a flexible rewards program redeemable for travel, merchandise, or financial services.
Cons
- Low base earn rate: Only 1 point per $1.50 spent on non-bonus categories.
- Monthly cap: Only up to $1,000 for bonus categories like groceries and restaurants.
- No welcome bonus: Unlike many other cards, this one doesn’t offer any sign-up rewards.