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 3X (Direct)
Highest rate (conditional)
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
Cash
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 20.74%–30.74% (Variable) |
| Cash Advance APR | 30.74% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Paypal Official | — | Paypal Official |
| WalletHub | — | WalletHub |
| Bankrate | — | Bankrate |
| RewardsCC API | — | RewardsCC API |
Recurring credits (annual): $90
Estimated annual value: $65
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $10/mo Instacart+ | — | Delivery | — | |
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$54
Annual Fee
-$0
Net Annual Value
+$54
| Paypal Official | — | Paypal Official |
