It's hard to make a case
against signing up for this card, it comes
with a sign up bonus worth $ 500 in cash or
statement credit (using for
travel / gift cards doesn't make a lot of sense, just redeem for
statement credit and then make those
travel / gift card
purchases on the card instead) and you can also get $ 200 in
travel incidental
credits and only pay a $ 95 annual fee.
The Rewards card is a cash - back card
with no annual fee, and the Arrival card has an $ 89 annual fee (waived the first year) and earns «miles» that can be used as
statement credits against travel purchases.