Earn Rates
💡 5x groceries and dining. 2x most other categories. 1x other.
Welcome Bonus
Smart Bonus Strategy — Earn 86,000 points
See spend breakdown below
Minimum spend bonus
Spend $6,000 in 4 months
optimal stop80,000 pts × 0.7¢+$536Min. spend earnings6,000 pts × 0.7¢+$40
Annual benefits$200 Lifestyle credit, Lounge access, mobile device insurance, premium insurance+$200
Annual fee-$599
Net first-year value+$177
Not Included in Smart Bonus Strategy
40,000 points after $30,000 within 180 days
Spend $24,000 in 6 months
Only 1.1% return — optimal tier earns 3.0%
40,000 pts × 0.7¢+$26880,000 points after $75,000 within the first year
Spend $45,000 in 12 months
Only 1.2% return — optimal tier earns 3.0%
80,000 pts × 0.7¢+$536Annual Rewards Calculator
Based on average spending, you could earn
$247
conservative est.·up to $247 optimistic
Annual Benefits
$200 Lifestyle credit, Lounge access, mobile device insurance, premium insurance
Value: $200 first year
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