Sign Up Bonus
20,000 Points
after you spend $500 in the first 3 months from account opening
$400 value based on Joseph's valuation of 2¢ per Ultimate Rewards point
Minimum Credit Requirement
This card requires Good (650+) credit
Rewards
✈️ 5x on Lyft (worth 10%)
✈️ 5x on Air Travel (Ultimate Rewards) (worth 10%)
✈️ 5x on Hotels (Ultimate Rewards) (worth 10%)
✈️ 5x on Car Rentals (Ultimate Rewards) (worth 10%)
🍴 3x on Dining (worth 6%)
🛍️ 3x on Drugstores (worth 6%)
🛒 5x on Grocery, Gyms (worth 10%) from Jan 01 to Mar 31 (up to $1,500)
🍴 5x on Dining, Hotels, Amazon (worth 10%) from Apr 01 to Jun 30 (up to $1,500)
♾️ 1x on Everything Else
Percentages based on Joseph's valuation of 2¢ per Ultimate Rewards point
Rates
20.49% - 29.24% Purchase APR
20.49% - 29.24% Transfer APR
29.99% Cash Advance APR
Fees
$0 Annual Fee
$5 or 5% Balance Transfer Fee, whichever is greater
$10 or 5% Cash Advance Fee, whichever is greater
3% Foreign Transaction Fee
$40 Late Payment Fee
$40 Return Payment Fee
Benefits
Zero Liability Protection
Purchase Protection
Extended Warranty Protection
Trip Cancellation/Interruption Insurance
Cell Phone Protection
24/7 Fraud Monitoring
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
The best of your neighborhood.$0 delivery fee.
5% Cash Back on Lyft Rides