• Limited Time Offer! - Earn 50,000 bonus points after you spend $3,000 in the first 3 months - that's $625 toward travel! • 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases. • Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM • No foreign transaction fees • Earn a 7% annual points dividend - even on points already redeemed • Transfer points you've earned to participating frequent traveler programs at a 1:1 value • 24/7 direct access to expert service advisors (No voice recording) • No Annual Fee for your first year - A $95 value