01 · overview
Annual fee
$95
Per year
Sign up bonus
$250
After $2,000 in 4 mo
Credits
—
1 credit
Median FICO
—
Approved
Median income
—
Approved
02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Online Shopping Choose 2 retailers each quarter (Amazon, Apple, Costco, Target, Walmart, etc.), up to $1,500 combined. Earns at chosen retailers in-store, online, or by phone — not generic online shopping. on first $1,500/qtr, then 1.5% | 6% |
Hotels & Car Rentals (via Portal) Hotel and car reservations booked in the Travel Center | 5.5% |
Choose 1 category Choose 1 everyday category each quarter, up to $1,500 | 3% |
Everything Else | 1.5% |
Statement credits
| Credit | Value |
|---|---|
First-Year Annual Fee Waiver $0 annual fee for the first year, then $95 | $95 |
03 · approval odds
Approval odds
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