Earn Rates
Welcome Bonus
Smart Bonus Strategy — Earn 50,000 points
See spend breakdown below
Minimum spend bonus
Spend $5,000 in 4 months
optimal stop45,000 pts × 0.7¢+$302Min. spend earnings5,000 pts × 0.7¢+$34
Annual benefitsLounge access, premium insurance+$150
Annual fee (waived yr 1)$0
Net first-year value+$485
Not Included in Smart Bonus Strategy
20,000 after $10,000 within 180 days
Spend $5,000 in 6 months
Only 2.7% return — optimal tier earns 9.7%
20,000 pts × 0.7¢+$13435,000 after $20,000 within the first year
Spend $10,000 in 12 months
Only 2.3% return — optimal tier earns 9.7%
35,000 pts × 0.7¢+$235Annual Rewards Calculator
Based on average spending, you could earn
$278
conservative est.·up to $278 optimistic
Annual Benefits
Lounge access, premium insurance
Value: $150 first year
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