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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 Waived
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.
Card & Reward Type
Our 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.