Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
---|---|---|---|---|---|
10,000 | $1,000 | 1.4 ¢ | $0 | $0 | $154 |
Best Value | Differentiating Perks | Rules |
---|---|---|
Delta & Hilton transfers | 20% More points monthly if you use your card 20+ times monthly. 0% APR on purchases & balance transfers for first 15 months. | Amex 3/90 , No 5/24 , Amex 1/10 |
Spend Categories
1X points
1.4¢ Per Dollar Spent
2X points
2.8¢ Per Dollar Spent
2X points
2.8¢ Per Dollar Spent
Card Benefits
Using this card gives you secondary car rental insurance coverage up to $50,000 in collision damage and theft per incident. Coverage is not available for vehicles rented in Australia, Italy and New Zealand.
A complimentary 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. Cardholder will be charged for any services or goods provided.
You're covered up to 90 days, up to $1,000 per item and up to $50,000 per year.
Get up to 1 additional year on original manufacturer’s warranties of 5 years or less.
Why You Might Want This Card
Not If You're Looking For A Big Bonus
This card isn't one you'll generally be getting for the bonus. The main use within the hobby would be a downgrade to keep your Amex points active without paying an annual fee. If you're trying to play the game with modest credit card balances or trying to get your finances back on track, this card could be useful. It has $0 balance transfer fee on transfers requested within 60 days of opening the account. $0 Annual Fee. 0% APR on purchases and balance transfers for 15 months.
Bottom Line
This card isn't a central part of the point strategy game other than a downgrade to keep your Amex points active. This is a great card if you were a little credit card happy and find paying off all those cards a bit more than you can handle. Never a good idea to get in over your head, but just in case.