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Up to 3X (Virgin Atlantic)
Highest rate (conditional)
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Virgin Atlantic FlyingClub
Credit Required
Good
Welcome Offer
60,000
points
Spend $4,000 in the first 3 months
Benefits & Perks
Recurring credits (annual): $126
Estimated annual value: $95
| Credit | Value | Category | Frequency | Details |
|---|---|---|---|---|
| $5 Lyft + airport savings | — | Transit & Rideshare | — | |
| $3/mo Peacock | — | Streaming | — | |
| $10/mo Instacart+ | — | Delivery | — | |
| $2.50/mo transit | — | Transit & Rideshare | — |
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$75.60
Annual Fee
-$99
Net Annual Value
-$23.40
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Earn rates | |
| Issuer Page | Issuer Page |
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.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
