| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
This card is designed for balance transfers and credit building and does not offer a rewards program for purchases.
|
0x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
APR Reduction for On-Time Payments
Reduce your interest rate by 2% each year when you pay on time, until your APR reaches the Prime Rate + 9.74%.
|
Financial Management | 2% APR reduction annually |
|
Automatic Credit Limit Increase Reviews
Get automatic credit limit increase reviews when you pay on time and spend at least $5,000 in your first year.
|
Financial Management | Reviews when paying on time and spending $5,000 in first year |
|
Free Credit Score Access
Free access to your credit score with Credit Journey.
|
Financial Management | Free access |
|
Extended Warranty Protection
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less. Coverage is up to $10,000 per claim and $50,000 per account.
|
Purchase Protection |
Up to $10,000 per claim, $50,000 per account
Up to $10,000
|
|
Purchase Protection
Covers new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
|
Purchase Protection |
Up to $500 per claim, $50,000 per account
Up to $500
|
|
Zero Liability Protection
You're not responsible for unauthorized charges made with your card or account information.
|
Security | No responsibility for unauthorized charges |
|
Auto Rental Collision Damage Waiver
Secondary coverage for damage due to collision or theft for most rental cars when you decline the rental company's collision insurance and charge the entire rental cost to your card.
|
Travel Insurance | Secondary coverage for collision/theft |
|
Lost Luggage Reimbursement
If you or an immediate family member check or carry on luggage and it's lost or damaged by the carrier, you're covered up to $3,000 per passenger.
|
Travel Insurance |
Up to $3,000 per passenger
Up to $3,000
|
|
Roadside Dispatch
A pay-per-use referral service you can call on whenever you need a tow, jump-start, tire change, or locksmith. Fees apply.
|
Travel Insurance | Pay-per-use referral service |
|
Travel and Emergency Assistance Services
Connects you with the help you need when you're away from home. Call anytime for medical and legal referrals, emergency transportation assistance, and more.
|
Travel Insurance | Referral services |
|
Trip Cancellation/Interruption Insurance
If your trip is cancelled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $1,500 per person and $6,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
|
Travel Insurance |
Up to $1,500 per person, $6,000 per trip
Up to $6,000
|
