CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.
$0
Annual Fee
10,000
Cash back dollars · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
10,000
Cash back dollars
$500
Spend Required
90 months
Time Period
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
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$0
Annual Fee
10,000
Cash back dollars · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
10,000
Cash back dollars
$500
Spend Required
90 months
Time Period
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
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$0
Annual Fee
10,000
Cash back dollars · Welcome Bonus
3X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
10,000
Cash back dollars
$500
Spend Required
90 months
Time Period
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 20.24%–29.24% (Variable) |
| Cash Advance APR | 29.24% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
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Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Shopping | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Shopping | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Shopping | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.