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.
$0
Annual Fee
Up to 5X (Wayfair)
Highest rate (conditional)
Annual Fee
$0
Foreign Transaction Fee
$0
Network
Mastercard Standard
Credit Required
Good
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.
Complimentary HealthLock membership to monitor and protect your medical identity and data.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$24
Annual Fee
-$0
Net Annual Value
+$24
Details & Terms
| Foreign Transaction Fee | $0 |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
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.
