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
Dining
5x
Everything else
5x
Travel
3x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Redeem points at thankyou.com
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Dining5×
- Everything elseAirfare5×
- TravelHotels3×
- Everything elseCruises3×
- Everything elseAll Purchases1×
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Travel$250/yr
Travel Purchases are defined as purchases made within the travel category, including purchases from airlines, hotels, car rental agencies, travel agencies/travel aggregators/tour operators, commuter transportation, ferries, commuter railways, subways, taxis/limousines/car services, passenger railways, cruise lines, bridge and road tolls, parking lots/garages, and bus lines.
- Global Entry$100/yr
Get one $100 statement credit every 5 years for either Global Entry or TSA Pre-Check.
Benefits
- Priority Pass$32/yr
Primary and Authorized users get access to Priority Pass lounges and can bring two guests and/or immediate family members. Guests will be charged $27 per visit.
- 4th Night Free
Get the fourth night free when booking at least four consecutive nights at any hotel through Thankyou.com or by phone at 1–800–ThankYou. Limited to two per calendar year.
Transfer partners
Where this card's points can go, and at what ratio. 20 partners.
- Air France KLM Flying Blue1:1
- American AAdvantage1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards5:4
- Etihad Guest1:1
- EVA Infinity MileageLands1:1
- JAL Mileage Bank1:1
- JetBlue TrueBlue1:1
- Qantas Frequent Flyer1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Thai Royal Orchid Plus1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Accor Live Limitless2:1
- Choice Privileges1:1.5
- Leading Hotels of the World Leaders Club5:1
- Preferred Hotels I Prefer1:2
- Wyndham Rewards1:1
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
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
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 $495 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.