5X rewards on your top 2 spend categories

• Accelerated rewards where you spend the most
• 5X rewards on top 2 spend categories each month
• Instant, never-expiring points with fractional accrual
• 5X boost applies only if you spend across at least three categories (CardInsider)

Lifetime-free metal credit card

• Metal card experience with zero joining or annual fee
• No joining fee
• No annual fee
• Metal construction with contactless feature

Low 1% forex markup