Earn one reward point for every $1 in purchases, and get 1,000 bonus points upon first use within the first three billing cycles. Redeem points for a range of rewards, including credit in your account. The card provides up to $250,000 in travel accident insurance if you use your card to book tickets, and protects purchases against theft, accidental damage and fire in the first 90 days after purchase. No annual point cap, though points expire after five years. No annual fee.