Ease of Reward Redemption
Perks & Features
There are no transfer partners. If you book through their website, my understanding is there are no refunds; so the 5X earnings carry risk. Travel and mobile wallet generate 3x earning. Redemption for travel is 1.5 cents per point; otherwise, 1 cent. Do not make travel charges back to back without answering the text you receive to redeem points or you will miss opportunities to redeem (there CSR was not aware of that one). My biggest complaint is you cannot redeem for hotel bills under $500 (I get Marriott Associate rate so I get deals well below market) or rental cars under $250. Also, the priority pass is limited to four visits by the user and four guest passes per year. That said, the travel protections are very strong, and the $325 per year for travel is easy to redeem making the card cost $400(annual fee)-$325(travel credit) = $75 per year. Oh, and you do get Global Access and extended warranty protection. If you travel and use the $325 per year credit, it is a pretty good deal once you know the rules. Oh, and you have to have a US Bank checking or savings account.
1 years ago
This table shows approximate credit score category ratings based on FICO® Score 8 and should only be used as a general guide.