Earn Rates
💡 3x on Porter. 2x groceries, dining, gas, transit. 1x everything else.
Welcome Bonus
Smart Bonus Strategy — Earn 25,000 points
See spend breakdown below
Minimum spend bonus
Spend $5,000 in 4 months
optimal stop20,000 pts × 1.4¢+$280Min. spend earnings5,000 pts × 1.4¢+$70
Annual benefitsAnnual companion voucher, free checked bag on Porter+$150
Annual fee (waived yr 1)$0
Net first-year value+$500
Not Included in Smart Bonus Strategy
20,000 points after $9,000 within 180 days
Spend $4,000 in 6 months
Only 7.0% return — optimal tier earns 10.0%
20,000 pts × 1.4¢+$28030,000 points after $18,000 within 365 days
Spend $9,000 in 12 months
Only 4.7% return — optimal tier earns 10.0%
30,000 pts × 1.4¢+$420Annual Rewards Calculator
Based on average spending, you could earn
$654
conservative est.·up to $1,324 optimistic
Annual Benefits
Annual companion voucher, free checked bag on Porter
Value: $150 first year
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