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 4X (Universal)
Highest rate (conditional)
Annual Fee
$99
Network
Visa Signature
Rewards Currency
Universal Rewards
Credit Required
Good
Bonus: $250 cash back
Spend: $500
Period: 3 months
Benefits & Perks
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Details & Terms
| Purchase APR | 21.24%–28.24% (Variable) |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| Issuer Page | Issuer Page: Benefit flags | |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Multiple card facts | |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
| Issuer Page |
| Issuer Page |
| Issuer Page | Issuer Page: Welcome offer |
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
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.
