Evolve Bank & Trust
Paceline Credit Card
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Card review
Paceline Credit Card
Evolve Bank & Trust
Last updated September 22, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$120
Welcome bonus
See issuer
Est. net value
$8/yr
Credit score
Varies
Top earn rate
1.5x everything else
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Paceline Credit Card from Evolve Bank & Trust carries a $120 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $127.80 in rewards plus $0.00 in credits and perks — $7.80 net per year before welcome bonuses.
How the points work
Earn 3% cash back on Health & Wellness purchases while holding a Paceline Streak, otherwise 1.5% cash back.
Earn 1% cash back on all other purchases while holding a Pacelink Streak, otherwise 0.5% cash back.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| Everything elseHealth & Wellness | 1.5× |
| Everything elseAll Purchases | 0.5× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- 2X Rewards
Double Streak Rewards: When a Paceline Streak is met, redeem two Paceline Streak rewards.
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- British Airways Avios1:1
- Emirates Skywards1:1
- Iberia Plus1:1
- JetBlue TrueBlue1:1
- Singapore KrisFlyer1:1
- Southwest Rapid Rewards1:1
- United MileagePlus1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$120
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$120
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
WalletFlo 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.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $120 per year.