Rewards rate
1% - 2%
Cash back
Annual fee
$195; $95 for each additional user

Additional rates & fees

Annual fee: $195; $95 for each additional user

Intro purchase APR: N/A

Regular purchase APR: 20.74% to 28.74%

Intro balance transfer APR: 0% intro for 15 Billing Cycles on qualifying transfers*

Regular balance transfer APR: 20.74% to 28.74%

Cash advance APR: 29.99%* Variable

Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

Late fee: Up to $39

Penalty APR: N/A

Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee: None

Return payment fee: Up to $39

* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Continue" button, you can review the credit card terms and conditions on the provider's website.

Card details

Designed for those seeking an introductory premium travel card with exceptional airfare redemption, access to hotel privileges, and elevated service that most conventional cards do not provide. Cardholders also receive protection benefits that exceed those of standard credit cards.
Offers a flat-rate redemption value of 1% for cash back or 2% value for airfare redemption with no airline or seat restrictions and no blackout dates. Cardholders earn one point for every dollar spent. Point redemption is simple, without requiring a complex reward strategy. The card features no foreign transaction fees, no earning caps, no rotating categories, and eliminates the need to pursue transfer partners to maximize point values.
24/7 Luxury Card Concierge®—Make requests the way you want by phone, email, SMS and chat in the app. Connect directly with a real agent and receive 24/7 assistance for tasks big and small. Requests do not require a purchase, incur no charge for making them, and do not involve department transfers.
Exclusive Luxury Card Travel® benefits—average value of $500 per stay (e.g., resort credits, room upgrades, free wifi, breakfast for two and more) at over 3,000 properties. Receive protection benefits like trip cancellation and interruption, auto rental car collision waiver, travel accident and baggage delay. Cell phone protection for eligible claims of up to $1,000 each year. Plus additional World Elite Mastercard® benefits.
Brushed Metal Card Design: Weighing in at an industry-leading 22g. Designed for frequent shoppers, big ticket purchases and everything in between.
Annual fee: $195 ($95 for each Authorized User). Terms and conditions apply.

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