Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Up to 5X (Travel portal)
Highest rate (conditional)
Annual Fee
$39
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Poor to Fair
Benefits & Perks
Combined Protection Value
$520,000
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 28.99% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| CardRatings | — | CardRatings |
| CardRatings | — | CardRatings: Bonus categories |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates |
Coverage for accidental loss of life, limb, sight, speech or hearing during transit on common carrier
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Track your credit score and get daily credit reports and identity theft alerts for free
Create unique virtual card numbers for every online purchase to protect your real card number from fraud and data breaches
Protection against damage or theft for eligible purchases within 120 days
Extends manufacturer warranties on eligible purchases by up to one additional year
Get alerts when your TransUnion® or Experian® credit report changes. Learn more about CreditWise.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Items purchased with your card are covered against damage or theft for 90 days, up to $10,000 per item, secondary to other insurance.
| Capital One | Capital One |
Merchants this card gives you a statement credit or membership at. Unlike the brands above, this isn't about earn rate — it's money the card hands back when you spend there.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
