Cards and accounts · Cards
The right card depends on what you spend , not the advertised rate.
A high reward rate in a category you barely spend in is worth nothing. And if a balance carries month to month, the interest rate wipes out every reward.
What this page covers
- Cash back or points: what the points are actually worth on redemption.
- Annual fee: the spending threshold where it pays for itself.
- Bundled insurance — travel, car rental, extended warranty.
For information only — not an approval, and not a rate offer. Figures and rates will follow once rate capture is in place.