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 (Travel portal)
Highest rate (conditional)
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard World
Point Valuation
1–1 cpp (mid: 1)
Credit Required
Good to Excellent
Benefits & Perks
Combined Protection Value
$1,800
Get up to $800 per claim (up to $1,000/year, 2 claims max) when your phone is damaged or stolen and you pay your wireless bill with this card.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
Program & Transfers
Reviews & Analysis
Details & Terms
| Purchase APR | 17.49%–29.74% (Variable) |
| Cash Advance APR | 27.49% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| NerdWallet | — | NerdWallet |
| Sofi Official | — | Sofi Official |
| Sofi Official | — | Sofi Official |
| RewardsCC API | — | RewardsCC API |
| Sofi Official | Sofi Official |
Covers new purchases against damage or theft for 120 days, up to $500 per item.
Doubles the manufacturer's warranty by up to 12 months on purchases, with coverage up to $10,000 per item.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Extends warranties by one year on purchases with 3-year or shorter original warranties, up to 4 years total coverage.
Items purchased with your card are covered against damage or theft for 90 days, up to $1,000 per claim.
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
