| Category | Rate | Type | Cap |
|---|---|---|---|
|
Lexus Dealerships
Earned on purchases at participating Lexus Dealerships, including online, catalog, or in-person purchases.
|
5x | Points | No cap |
|
Gas Stations
Earned at gas stations as classified by the Rewards Merchant Classification Codes in the Rewards Terms and Conditions.
|
2x | Points | No cap |
|
Dining
Earned at restaurants and dining establishments as classified by the Rewards Merchant Classification Codes.
|
2x | Points | No cap |
|
Entertainment
Includes sporting events, amusement parks, carnivals, aquariums, museums, music events, movie theaters, and more, as classified by Rewards Merchant Classification Codes.
|
2x | Points | No cap |
|
Streaming Services
Earned on eligible video and music streaming services, internet, and cable services as classified under the entertainment category in the Rewards Merchant Classification Codes.
|
2x | Points | No cap |
|
All Other Purchases
Base earning rate on all purchases not falling into a bonus category.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Visa Signature Concierge
Provides 24/7 personal assistance for travel planning, dinner reservations, event tickets, gift ideas, and more.
|
Lifestyle | 24/7 assistance |
|
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, when the entire purchase price is charged to your card.
|
Purchase Protection |
Up to $10,000 per claim, up to $50,000 per cardholder
Up to $10,000
|
|
Purchase Security
Protects eligible new purchases against theft or damage for 90 days from the date of purchase when the entire purchase price is charged to your card.
|
Purchase Protection |
Up to $500 per claim, up to $50,000 per cardholder
Up to $500
|
|
Everywhere Else Purchases Rewards
Earn 1 point for every $1 spent on all other eligible purchases.
|
Rewards | 1 point per $1 |
|
Gas and Restaurant Purchases Rewards
Earn 2 points for every $1 spent on eligible gas and restaurant purchases.
|
Rewards | 2 points per $1 |
|
Lexus Dealership Purchases Rewards
Earn 5 points for every $1 spent on eligible purchases at Lexus dealerships.
|
Rewards | 5 points per $1 |
|
Points Redemption
Redeem earned points for Lexus service, parts, accessories, merchandise, and gift cards.
|
Rewards | Flexible redemption options |
|
Welcome Bonus Points
Earn 15,000 bonus points after you spend $2,000 on purchases in the first 90 days of account opening.
|
Rewards | 15,000 bonus points |
|
Emergency Cash Disbursement & Card Replacement
Provides emergency cash or an expedited replacement card if your card is lost or stolen, typically within 1-3 business days, subject to availability and location.
|
Security | Expedited service |
|
Fraud Protection
Advanced security features and monitoring to help protect your account from unauthorized use and fraudulent activity.
|
Security | Enhanced security |
|
Lost/Stolen Card Reporting
Provides assistance with reporting a lost or stolen card and notifying relevant parties to help prevent fraudulent use.
|
Security | Assistance service |
|
Visa Zero Liability
Protects you from unauthorized purchases made with your card or account information. You won't be held responsible for fraudulent charges.
|
Security | No liability for unauthorized charges |
|
Visa Signature Discounts & Offers
Access to exclusive discounts and special offers on travel, dining, entertainment, and shopping from participating merchants.
|
Shopping | Various discounts |
|
Visa Signature Luxury Hotel Collection
Access to a curated collection of hotels worldwide with premium benefits like best available rate guarantee, automatic room upgrade (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
|
Travel | Various hotel benefits |
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft of most rental vehicles when you rent an eligible vehicle with your card and decline the rental company's collision damage waiver (CDW) or similar option.
|
Travel Insurance | Secondary coverage |
|
Baggage Delay Insurance
Reimburses for the purchase of essential items like toiletries and clothing if your checked baggage is delayed by more than 6 hours when traveling on a common carrier and the entire fare is charged to your card.
|
Travel Insurance |
Up to $300 per trip
Up to $300
|
|
Lost Luggage Reimbursement
Reimburses for the actual cost of replacing lost or stolen checked or carry-on luggage and its contents when traveling on a common carrier and the entire fare is charged to your card.
|
Travel Insurance |
Up to $3,000 per trip
Up to $3,000
|
|
Roadside Dispatch
A pay-per-use roadside assistance program. Services include standard towing, tire changing, jump starting, lockout service, fuel delivery, and winching. A set service fee applies per incident.
|
Travel Insurance | Pay-per-use service |
|
Travel & Emergency Assistance Services
Provides a range of referral services when you're away from home, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services obtained.
|
Travel Insurance | Referral services |
|
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to the card.
|
Travel Insurance |
Up to $250,000
Up to $250,000
|
|
Trip Cancellation/Interruption Insurance
Reimburses non-refundable common carrier passenger fares if a trip is cancelled or interrupted due to covered reasons like illness, injury, or severe weather, when the entire fare is charged to your card.
|
Travel Insurance |
Up to $2,000 per person, up to $5,000 per trip
Up to $5,000
|
