| Category | Rate | Type | Cap |
|---|---|---|---|
| Microsoft Store Purchases | 3x | Points | No cap |
| Streaming Services | 2x | Points | No cap |
| Dining | 2x | Points | No cap |
| All Other Purchases | 1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Xbox Game Pass Ultimate Welcome Offer
Receive 3 months of Xbox Game Pass Ultimate when you make your first purchase within 90 days of account opening.
|
Credits | 3 months |
|
No Annual Fee
The card does not charge an annual fee.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
No fees are charged on purchases made outside the United States.
|
Financial |
0%
Up to $0
|
|
Baggage Delay Insurance
Reimburses for essential purchases like toiletries and clothing when checked baggage is delayed.
|
Insurance |
Up to $100 per day for 3 days
Up to $300
|
|
Car Rental Collision Damage Waiver
Provides secondary coverage for damage due to collision or theft of an eligible rental vehicle when the rental is paid for with the card.
|
Insurance | Secondary coverage |
|
Cell Phone Protection
Provides coverage for damage or theft of an eligible cell phone when the monthly cell phone bill is paid with the card. Up to $600 per claim, maximum two claims per 12-month period, with a $50 deductible per claim. Annual maximum of $1,000.
|
Insurance |
Up to $1,000/year
Up to $1,000
|
|
Extended Warranty
Doubles the original manufacturer's or store brand warranty for up to one additional year on eligible purchases. Up to $10,000 per claim, with an annual maximum of $50,000 per cardholder.
|
Insurance |
Up to $10,000 per claim
Up to $10,000
|
|
Lost Luggage Insurance
Reimburses for the value of lost or stolen checked or carry-on luggage and its contents.
|
Insurance |
Up to $3,000 per trip
Up to $3,000
|
|
Purchase Assurance
Covers eligible new purchases against damage or theft for 90 days from the date of purchase. Up to $1,000 per claim, with an annual maximum of $50,000 per cardholder.
|
Insurance |
Up to $1,000 per claim
Up to $1,000
|
|
Travel Accident Insurance
Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with the card.
|
Insurance |
Up to $250,000
Up to $250,000
|
|
Trip Cancellation/Interruption Insurance
Reimburses non-refundable travel expenses if a trip is cancelled or interrupted for covered reasons.
|
Insurance |
Up to $1,500 per trip
Up to $1,500
|
|
Priceless Experiences
Access to unique experiences and offers in cities around the world.
|
Lifestyle | Access |
|
Travel & Lifestyle Services
Provides a dedicated concierge service for travel planning, dining reservations, and other lifestyle needs.
|
Lifestyle | Complimentary |
|
Base Rewards Rate
Earn 1 point per $1 spent on all other eligible purchases.
|
Rewards | 1x points |
|
General Gift Card Redemption Option
Redeem earned points for various gift cards.
|
Rewards | — |
|
Microsoft Store Bonus Points
Earn 3 points per $1 spent on eligible purchases at the Microsoft Store.
|
Rewards | 3x points |
|
Statement Credit Redemption Option
Redeem earned points for statement credits to offset card purchases.
|
Rewards | — |
|
Streaming & Dining Delivery Bonus Points
Earn 2 points per $1 spent on eligible streaming services and dining delivery services.
|
Rewards | 2x points |
|
Travel Redemption Option
Redeem earned points for travel.
|
Rewards | — |
|
Welcome Bonus Points
Earn 5,000 bonus points after making your first purchase.
|
Rewards | 5,000 points |
|
Xbox Redemption Option
Redeem earned points for Xbox games, add-ons, in-game content, or gift cards at xbox.com/redeem.
|
Rewards | — |
|
Mastercard ID Theft Protection
Provides identity theft monitoring, alerts, and resolution services.
|
Security | Complimentary |
|
Zero Liability Protection
Cardholders are not responsible for unauthorized transactions made with their Mastercard.
|
Security | Complimentary |
|
Global Service
Provides emergency assistance services worldwide, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.
|
Travel | Complimentary |
|
Mastercard Airport Concierge
Offers 15% savings on personalized, dedicated meet-and-greet services at over 450 airports worldwide.
|
Travel | 15% savings |
