Ratesopedia

Pros

  • Purchase protection included
  • No annual fee

Cons

Our Review

*

Rewards

All Spending

0.5x

Cash Back pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries0.50%
$400/month
Restaurants0.50%
$160/month
Gas0.50%
$300/month
Recurring0.50%
$300/month
All other spending0.50%
$700/month

Cashback earned

$112

$/yr

Estimated Value

$112

After Fees

+$112

1st Year Value

$112

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 0.50%$24
Restaurants$1,920/yr × 0.50%$10
Gas$3,600/yr × 0.50%$18
Recurring$3,600/yr × 0.50%$18
All other spending$8,400/yr × 0.50%$42
Total annual spend$22,320
Monthly spend$1,860
Average earn rate0.50%
Total cashback earned$112

Travel Insurance

Delayed Baggage

Included

Lost Baggage

Included

Flight Delay

Included

Hotel Burglary

Included

Travel Accident

Included

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Included

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    21.5%
  • Foreign Transaction Fee
    1.5%

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Brim. All trademarks are property of their respective owners.