| Category | Rate | Type | Cap |
|---|---|---|---|
|
Dining
Purchases made at restaurants.
|
3x | Points | No cap |
|
Gas
Purchases made at gas stations.
|
2x | Points | No cap |
|
All Other Purchases
All eligible purchases not falling into higher earning categories.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The card does not charge an annual fee for card membership.
|
Financial |
$0 annual fee
Up to $0
|
|
No Foreign Transaction Fees
No fees are charged on purchases made outside of the United States.
|
Financial |
0% foreign transaction fee
Up to $0
|
|
Flexible Point Redemption
Redeem earned points for various options including cash back, travel, gift cards, and merchandise.
|
Lifestyle | Multiple redemption options |
|
Visa Signature Concierge
Provides 24/7 personalized assistance for travel planning, dining reservations, event tickets, and more.
|
Lifestyle | 24/7 assistance |
|
Extended Warranty Protection
Extends the manufacturer's original warranty for eligible items purchased with the card by one additional year on warranties of five years or less.
|
Purchase Protection |
Up to $10,000 per claim, up to $50,000 per cardholder per year
Up to $10,000
|
|
Purchase Protection
Covers eligible new purchases against theft or damage for a specified period (typically 90 days) from the date of purchase when purchased with the card.
|
Purchase Protection |
Up to $500 per claim, up to $50,000 per cardholder per year
Up to $500
|
|
Fraud Alerts
Receive alerts for suspicious activity on your account to help prevent fraud.
|
Security | — |
|
Fraud Protection
Advanced systems and monitoring are in place to protect against unauthorized transactions.
|
Security | — |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized transactions made with their card.
|
Security | — |
|
Dining Rewards
Earn 3 points per dollar spent on eligible dining purchases.
|
Shopping | 3X points per dollar |
|
Everyday Rewards
Earn 1 point per dollar spent on all other eligible purchases.
|
Shopping | 1X points per dollar |
|
Gas & Grocery Rewards
Earn 2 points per dollar spent on eligible gas and grocery purchases.
|
Shopping | 2X points per dollar |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft of most rental vehicles when the eligible card is used to pay for the entire rental and the rental company's collision damage waiver (CDW) is declined.
|
Travel Insurance | Secondary coverage |
|
Lost Luggage Reimbursement
Reimburses cardholders for the replacement of lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier and the fare has been purchased with the eligible card.
|
Travel Insurance |
Up to $3,000 per covered trip
Up to $3,000
|
|
Roadside Dispatch
A pay-per-use roadside assistance program. Cardholders can call for services like towing, tire changing, jump-starting, lockout service, and fuel delivery. A flat rate per service call applies.
|
Travel Insurance | Pay-per-use service |
|
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when the fare has been purchased with the eligible card.
|
Travel Insurance |
Up to $250,000 for accidental death and dismemberment
Up to $250,000
|
|
Travel and Emergency Assistance Services
Provides a referral service for medical, legal, and travel-related emergencies while traveling. Cardholders are responsible for the cost of services.
|
Travel Insurance | Referral services |
