Earn Rates
Welcome Bonus
Smart Bonus Strategy — Earn 0 points
Annual fee$0
Net first-year value+$0
Not Included in Smart Bonus Strategy
Earn 10,000 bonus points when you charge $4,000 in the first 3 months (referral offer)
Spend $1,000 in 3 months
Only 15.0% return on spend
10,000 pts × 1.5¢+$150Annual Rewards Calculator
Based on average spending, you could earn
$509
conservative est.·up to $1,356 optimistic
Compare to Similar Cards
American Express Cobalt
Amex Membership Rewards1.5¢ – 4.0¢
$192 annual fee
you could earn$1,244
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American Express Gold
Amex Membership Rewards1.5¢ – 4.0¢
$250 annual fee
you could earn$497
View full details →+Add a card to compareSearch by card name