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 (Rci)
Highest rate (conditional)
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World
Rewards Currency
RCI Elite
Credit Required
Excellent
Bonus: 5,000 points
Benefits & Perks
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.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$300
Annual Fee
-$0
Net Annual Value
+$150
Details & Terms
| Purchase APR | 19.24%–29.49% (Variable) |
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Barclays | Barclays: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page |
| Issuer Page: Multiple card facts |
| Issuer Page | Issuer Page: Multiple card facts |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
