Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Travel
5x
Everything else
5x
Dining
3x
Where it wins:
Stated credits ($425/yr) cover the $400 annual fee on their own — rewards earn on top.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 5X on prepaid hotel and car rentals booked through the Altitude Rewards Center.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- TravelHotels5×
- Everything elseCar rentals5×
- Everything elseMobile wallet spending3×
- Travel3×
- Dining3×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Dining and Travel$325/yr
Automatic statement credit(s) totaling up to $325 will be applied to your Account when a Card is used for purchases made directly from airlines, hotels, car rental companies, taxis, limousines, passenger trains and cruise lines.
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits
- Priority Pass$32/yr
Priority Pass Select; receive four free individual visits and four free individual guest visits to over 1,200 VIP lounges in more than 130 countries and 500 cities worldwide.
- Silver Car Discount
Get up to a 30% discount on Silvercar rentals with no loction, date, or class restrictions.
- Point Bonus
50% bonus when redeeming your points for travel.
- Gogo Wi-Fi$228/yr
Receive 12 Gogo inflight Wi-Fi passes at no charge, a $228 value. Registration reqired.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $400 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.