Earn Rates
💡 No foreign transaction fees. Good travel card.
Welcome Bonus
Smart Bonus Strategy — Earn 42,000 points
See spend breakdown below
Minimum spend bonus
Spend $2,000 in 3 months
optimal stop40,000 pts × 1.0¢+$400Min. spend earnings2,000 pts × 1.0¢+$20
Annual benefits6 lounge passes, no forex fees+$180
Annual fee (waived yr 1)$0
Net first-year value+$600
Not Included in Smart Bonus Strategy
10,000 points after $10,000 in purchases in the first 6 months
Spend $8,000 in 6 months
Only 1.3% return — optimal tier earns 30.0%
10,000 pts × 1.0¢+$10010,000 annual bonus points after $40,000 in purchases in the first year
Spend $30,000 in 12 months
Only 0.3% return — optimal tier earns 30.0%
10,000 pts × 1.0¢+$100Annual Rewards Calculator
Based on average spending, you could earn
$369
conservative est.·up to $369 optimistic
Annual Benefits
6 lounge passes, no forex fees
Value: $180 first year
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