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Card Economics
- Annual Fee
- $99
- Ongoing Annual Value
- $21
- First-Year Value Estimate
- $465
- Net Value
- −$78
Card type: PersonalForeign transaction fee: NoneCurrency: Korean Air SkyPass
Sign-up Bonus
25K miles when you spend $2.5K in the first 90 days + another 25K miles when you spend an additional $2.5K within the same 90 days (for a total of $5K).(Offer Expires 10/31/2026)
Am I eligible?Earning Structure
2XDining2.6%
2XHotels2.6%
2XKorean Air purchases2.6%
1XAll other purchases1.3%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Lounge Access (1)
- Korean Air Lounge (2 visits/year) — paid guests allowed
Protections (5)
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 for accidental death or dismemberment when traveling on a common carrier and entire fare is charged to card.
- Lost Luggage — up to $3,000 — Coverage for luggage and contents lost or stolen by common carrier, up to $3,000 per trip.
- Purchase Protection — up to $10,000 — Covers theft or damage on eligible purchases for 90 days from date of purchase.
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year on items with original warranty of 3 years or less.
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for damage or theft of rental vehicles when entire rental is charged to card and rental company CDW is declined. Coverage for rentals up to 31 days.
Other Perks
- 5% off one Korean Air flight (cardholder + companion) each cardmember year
- 2K bonus miles upon renewal