| Category | Rate | Type | Cap |
|---|---|---|---|
|
Travel
Purchases made in the travel category.
|
2x | Points | No cap |
|
Dining
Purchases made in the dining category.
|
2x | Points | No cap |
|
All Other Purchases
All eligible purchases not falling into bonus categories.
|
1.5x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Visa Signature Concierge
24/7 complimentary assistance for travel planning, dinner reservations, event tickets, and more.
|
Lifestyle | 24/7 complimentary service |
|
Extended Warranty Protection
Extends the manufacturer's original U.S. warranty by an additional year on eligible items with warranties of three years or less. Item must be purchased entirely with the card.
|
Purchase Protection |
Up to $10,000 per claim, $50,000 per account per year
Up to $10,000
|
|
Purchase Protection
Covers eligible new purchases against theft or damage for 90 days from the date of purchase. Item must be purchased entirely with the card.
|
Purchase Protection |
Up to $1,000 per claim, $50,000 per account per year
Up to $1,000
|
|
Return Protection
Reimburses for eligible items that a store won't take back within 90 days of purchase. Item must be purchased entirely with the card.
|
Purchase Protection |
Up to $250 per item, $1,000 per account per year
Up to $250
|
|
Base Rewards Earning
Earn 2 points for every $1 spent on travel and dining purchases. Earn 1.5 points for every $1 spent on all other purchases.
|
Rewards | 2x points on travel/dining, 1.5x points on all other |
|
Preferred Rewards Bonus Earning
Preferred Rewards members can earn 25% - 75% more points on every purchase, depending on their tier (Gold, Platinum, Platinum Honors, Diamond, Diamond Honors). This bonus applies to the base earning rate.
|
Rewards | 25% - 75% bonus points |
|
Welcome Offer Bonus Points
Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.
|
Rewards | 50,000 bonus points |
|
Annual Travel Statement Credit
Receive up to $100 in statement credits annually for incidental airline charges (e.g., baggage fees, seat upgrades, in-flight purchases) and for qualifying travel purchases (e.g., ride-share services, public transportation, parking).
|
Travel |
Up to $100 annually
Up to $100
|
|
Global Entry or TSA PreCheck Application Fee Credit
Receive a statement credit of up to $100 every four years for the application fee for Global Entry or TSA PreCheck.
|
Travel |
Up to $100 every 4 years
Up to $100
|
|
No Foreign Transaction Fees
Pay no foreign transaction fees on purchases made outside the United States.
|
Travel | 0% foreign transaction fees |
|
Roadside Dispatch
A pay-per-use referral service that provides roadside assistance services like towing, tire changing, jump starting, lockout service, and fuel delivery. Fees apply for services rendered.
|
Travel | Pay-per-use service |
|
Travel and Emergency Assistance Services
Provides a range of emergency services when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.
|
Travel | Referral service |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft for most rental cars when the entire rental is charged to the card and the cardholder declines the rental company's CDW. Excludes certain vehicle types and rentals.
|
Travel Insurance | Secondary coverage |
|
Baggage Delay Insurance
Reimburses for the emergency purchase of essential items when checked luggage is delayed for more than 6 hours. Coverage applies when the entire fare is charged to the card.
|
Travel Insurance |
Up to $100 per day for 3 days
Up to $100
|
|
Lost Luggage Reimbursement
Reimburses for the actual cash value of lost or stolen checked or carry-on luggage and its contents. Coverage applies when the entire fare is charged to the card.
|
Travel Insurance |
Up to $3,000 per passenger
Up to $3,000
|
|
Trip Cancellation/Interruption Insurance
Reimburses non-refundable passenger fares if a trip is canceled or interrupted for covered reasons, such as illness or severe weather. Coverage applies when the entire fare is charged to the card.
|
Travel Insurance |
Up to $2,500 per person per trip
Up to $2,500
|
|
Trip Delay Reimbursement
Reimburses for reasonable additional expenses incurred when a trip is delayed for a covered reason for more than 6 hours or requires an overnight stay. Coverage applies when the entire fare is charged to the card.
|
Travel Insurance |
Up to $500 per ticket
Up to $500
|
