Why You Might Want This Card

For U.S Bank Customers Only

This is a great travel card, but it's exclusive to U.S. Bank Customers. This card was designed for frequent travelers. The sign-on bonus is hefty (50,000 points after spending $4,500 within the first 90 days), the perks are extensive, and the points are easy to accumulate. Let's take a walk through your next trip after you get this card: You use your points to book a flight. You grab a hotel with your special privileges at Relais & Chateaux. In flight, you enjoy lounge access during your layover, and free wi-fi on the plane. When you land, you either use your discounted chauffeured black car service or your special rental rates at Silvercar to enjoy your trip that was meticulously planned out -- thanks to your elevated 24/7 service advisors and concierge. All worry-free because you know you are completely protected with 24/7 fraud monitoring, Emergency Evacuation and Transportation Coverage. All thanks to this little gray gem in your wallet.

Bottom Line

If you are U.S. Bank member, this card is a no brainer. If you aren't, don't bother applying. The annual fee is $400. But that's quickly docked by the $325 statement credit toward travel & dining purchases. You also get $100 toward the application fee for Global Entry or TSA Pre-Check. So if you are one of the lucky ones who already belongs to U.S. Bank, you need this card -- especially thanks to the 3 points per dollar every time you use your mobile wallet and redeeming points at 1.5 cents each through the U.S. Bank Rewards Center portal.