You should get a credit pull (inquiry) with only 1 credit bureau, plus you earn a slightly higher 2.1 % back
as a statement credit on travel purchases.
Each mile is worth one
cent as statement credit towards travel expenses including airfare, hotels, car rentals and cruises.
For instance, you can receive in - flight savings of 20 %
as a statement credit when you use your card to purchase in - flight food or drinks.
Cash back is earned in the form of Reward Dollars, which can be redeemed
as statement credits in increments of $ 25.
This card lets you earn $ 200 back
as statement credit after you make $ 1,000 in purchases with your new Card within the first 3 months after account opening.
Cash back is applied
as a statement credit so this card might be better for someone who wants to effectively get a discount on their purchases.
The ability to redeem your
mileage as a statement credit toward just about any travel - related purchase makes it a good fit for frequent travelers.
* To redeem a
perk as a statement credit requires 2 perks per each $ 20 redemption, thereby reducing your effective cash back rate.