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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $65
- First-Year Value Estimate
- $0
- Net Value
- +$65
Card type: PersonalForeign transaction fee: NoneCurrency: Cash Back
Earning Structure
2%All other purchases2%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Credits & Perks (1)
- Global Entry/TSA PreCheck: $100 (Every 4 Years)
Up to $100 in Reward Points toward Global Entry or TSA PreCheck application fees
Protections (4)
- Travel Accident Insurance — up to $250,000 — Up to $250,000 for accidental death/dismemberment on common carrier
- Lost Luggage Reimbursement — up to $3,000 — Up to $3,000 per covered trip for permanently lost luggage
- Purchase Security — up to $500 — 90 days coverage for theft, fire damage, vandalism, water, or weather damage; up to $500 per claim and $50,000 per cardholder
- Auto Rental Collision Damage Waiver (secondary) — up to $75,000 — Up to $75,000 coverage for physical damage, theft, or vandalism; secondary for domestic, primary for international rentals
Other Perks
- 2% unlimited cash back deposited directly into eligible Fidelity account
- No caps or category restrictions on earning
- Zero fraud liability
- Digital wallet compatible (Apple Pay, Google Pay, Samsung Pay)
- Cash back available to redeem starting at 2,500 points
- Complimentary ID Navigator powered by NortonLifeLock (dark web monitoring, credit monitoring alerts, lost wallet services)
- Visa Signature Concierge service (24/7)
- Roadside Dispatch (pre-set pricing for towing, tire changes, jump starts, lockouts, fuel delivery)