Card Details - Credit Card Calculator

Welcome Bonus

$100

Welcome Bonus Value

Spend $1,000 in the first 90 days

Rewards

Reward Type Cash Back

Base Rate 0.01x / 0.01%

Bonus Rate Up to 0.05x

Point Value ~0.01¢ each

Travel Portal 1x

Category	Rate	Type	Cap
Gas & Electric Vehicle Charging Earn 5% cash back on gas and electric vehicle charging purchases. This rate applies to the first $10,000 in combined annual spend across Gas & Electric Vehicle Charging, Groceries & Wholesale Clubs, and AAA Purchases. After the combined cap, purchases in this category earn 1%.	5x	Cash Back	$10,000/yr
Groceries & Wholesale Clubs Earn 3% cash back on grocery store and wholesale club purchases. This rate applies to the first $10,000 in combined annual spend across Gas & Electric Vehicle Charging, Groceries & Wholesale Clubs, and AAA Purchases. After the combined cap, purchases in this category earn 1%.	3x	Cash Back	$10,000/yr
AAA Purchases Earn 3% cash back on AAA purchases. This rate applies to the first $10,000 in combined annual spend across Gas & Electric Vehicle Charging, Groceries & Wholesale Clubs, and AAA Purchases. After the combined cap, purchases in this category earn 1%.	3x	Cash Back	$10,000/yr
All Other Purchases Earn 1% cash back on all other purchases, including purchases in Gas & Electric Vehicle Charging, Groceries & Wholesale Clubs, and AAA Purchases after the combined $10,000 annual cap is reached.	1x	Cash Back	No cap

Benefits & Protections

Travel Insurance

Purchase Protection

Extended Warranty

Concierge Service

Benefit	Category	Value / Coverage
No Annual Fee The card has no annual fee.	Financial	$0 Up to $0
Welcome Offer Statement Credit Earn a $100 statement credit after spending $1,000 on eligible purchases within the first 90 days of account opening.	Financial	$100 statement credit Up to $100
Visa Signature Concierge Provides complimentary 24/7 personal assistance for travel planning, dinner reservations, event tickets, and more.	Lifestyle	Complimentary service
Extended Warranty Protection Extends the manufacturer's original U.S. warranty by an additional year on eligible purchases with a warranty of three years or less, when you pay with your eligible Visa Signature card.	Purchase Protection	Up to $10,000 per claim, $50,000 per cardholder Up to $10,000
Purchase Security Protects eligible purchases made with your card against theft or damage for 90 days from the date of purchase.	Purchase Protection	Up to $500 per claim, $50,000 per cardholder Up to $500
Cash Back on All Other Purchases Earn 1% cash back on all other eligible purchases made with your card.	Rewards	1% cash back
Cash Back on Gas & EV Charging Earn 5% cash back on eligible gas and electric vehicle charging purchases made with your card.	Rewards	5% cash back
Cash Back on Groceries, Dining & AAA Purchases Earn 3% cash back on eligible grocery store, restaurant, and AAA purchases made with your card.	Rewards	3% cash back
Zero Liability Protection Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not held responsible for fraudulent charges.	Security	Full protection
Visa Signature Discounts Access to exclusive discounts and special offers on travel, shopping, dining, and entertainment through the Visa Signature program.	Shopping	Various discounts
Visa Signature Luxury Hotel Collection Access to a curated collection of hotels and resorts worldwide with premium benefits like best available rate guarantee, automatic room upgrade upon arrival (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).	Travel	Various benefits
Auto Rental Collision Damage Waiver Provides secondary coverage for damage due to collision or theft for most rental cars when you pay for the entire rental transaction with your eligible Visa Signature card and decline the rental company's collision damage waiver.	Travel Insurance	Secondary coverage
Lost Luggage Reimbursement Reimburses you for the cost of replacing your checked or carry-on luggage and its contents if they are lost or stolen on a covered trip when the entire fare was paid with your eligible Visa Signature card.	Travel Insurance	Up to $3,000 per trip Up to $3,000
Roadside Dispatch A pay-per-use roadside assistance program. Cardholders can call for services like towing, tire changing, jump starting, lockout service, and fuel delivery.	Travel Insurance	Pay-per-use service
Travel & Emergency Assistance Services Provides a range of emergency services when you're traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of any services received.	Travel Insurance	Assistance services
Travel Accident Insurance Provides coverage for accidental death or dismemberment while traveling on a common carrier when the entire fare has been charged to your eligible Visa Signature card.	Travel Insurance	Up to $500,000 Up to $500,000

Interest Rates

Purchase APR 21.24%–30.24% Variable

Balance Transfer APR 21.24%

Cash Advance APR 31.24%

Min. Interest Charge $2

Deferred Interest Warning: Interest will be charged to your account from the purchase date if the promotional purchase is not paid in full within 6 months. Minimum monthly payments required.

Fees

Annual Fee $0 — No Annual Fee

Authorized User Fee Free

Foreign Transaction Fee None

Balance Transfer Fee Either $10 or 5% of the amount of each balance transfer, whichever is greater.

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

Late Payment Fee Up to $41

Returned Payment Fee Up to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–850

300 Poor 580 Fair 670 Good 740 Very Good 800+ Exceptional

Approval Difficulty Moderate

Credit Profile Good

Approval Odds Good

Decision Time Instant

Pre-Qualification Not available

Student Eligible No

Co-Applicant Not allowed

Business Eligible No

Credit Limit Range $5,000 – No limit listed

Availability PR

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, excessive credit cycling, high cumulative credit limit across Amex products, suspicious spending patterns (e.g., repeated large gift card purchases), abuse of return policies, providing inaccurate information on applications, or failure to pay on time.

Cliff Effect Rules

The primary cliff effect is American Express's 'once per lifetime' rule, which applies to each specific card product. This means that if you have ever received a welcome bonus for the 'aaa-daily-advantage-visa' card, you are generally ineligible for another bonus on that exact product, regardless of future variations or limited-time offers of the same core card.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Welcome Bonus Eligibility: American Express enforces a 'once per lifetime' rule for welcome bonuses, meaning you are generally ineligible if you have previously received a bonus for this specific card product or a product within the same family. Application Rules: Amex limits approvals to 2 credit cards within any 90-day period and a maximum of 5 American Express credit cards at any given time (charge cards are separate). General Eligibility: Applicants must be 18 years or older, possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and demonstrate a good to excellent credit history.