- Annual Fee
- $650
- Ongoing Annual Value
- $98
- First-Year Value Estimate
- $924
- Net Value
- −$552
Earning Structure
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (2)
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
- Airline Fees: $500 (Annual Calendar Year)
Enrollment required and must choose one eligible US airline per year. Covers incidental fees like preferred seating upgrades, ticket change/cancelation fees, checked baggage fees, in-flight entertainment, onboard food and beverage charges, airport lounge fees, and other airline travel fees and may vary by airline. Airline ticket purchases, mileage point purchases, mileage points transfer fees, gift cards, duty-free purchases, award tickets and fees incurred with airline alliance partners are not deemed to be Qualifying transactions. Airport lounge fees not affiliated with airlines and transactions made with travel agencies are not deemed to be Qualifying transactions. Ancillary airline travel fees must be separate charges from airline ticket charges.
Lounge Access (1)
- Priority Pass Select (Unlimited) — unlimited free guests, paid guests allowed
Protections (13)
- Travel Accident Insurance — up to $1,000,000 — Up to $1,000,000 coverage for accidental death or dismemberment during common carrier travel
- Trip Cancellation/Interruption — up to $10,000 — Up to $10,000 per covered person, $20,000 per trip, $40,000 per 12-month period
- Trip Delay — up to $500 — Up to $500 per ticket for delays over 6 hours
- Lost Luggage Reimbursement — up to $5,000 — Reimbursement up to $5,000 per trip for lost or damaged luggage
- Baggage Delay Insurance — up to $300 — Up to $100 per day for 3 days when checked baggage is delayed 4+ hours
- Emergency Evacuation — up to $100,000 — Up to $100,000 for emergency medical evacuation; $10,000 for repatriation of remains
- Purchase Protection — up to $10,000 — 90 days coverage for damage/theft, up to $10,000 per claim, $50,000 per year
- Extended Warranty — up to $10,000 — Adds up to 12 months to existing warranties of 3 years or less, up to $10,000 per claim, $50,000 per year
- Return Protection — up to $300 — Up to $300 per item when store won't accept return
- Price Protection — up to $500 — Up to $500 per item, $1,500 per year if price drops within 90 days of purchase
- Event Ticket Protection — up to $500 — Up to $500 per ticket, $2,000 per event, $5,000 per year for covered event cancellations
- Auto Rental Collision Damage Waiver (primary) — Primary coverage up to cash value of rental car
- Cell Phone Protection — up to $750 — Up to $750 per claim, $50 deductible, up to 2 claims per 12-month period ($1,500 max) when cell phone bill paid with card
Other Perks
- 5GB/30-day GigSky global data plan annually
- NetJets perks
- Visa Infinite Luxury Hotel Collection: VIP amenities including complimentary breakfast, room upgrade, property credit, and late checkout
- $500 bonus credit for dining/Amazon Prime/lounges after $25K annual spend