4.7
/5
Key Details
APR17.99% – 24.99%
Annual Fee$95
Rewards3x on dining & travel, 1x on everything else
Welcome Bonus60,000 points after $4,000 spend in 3 months
Credit NeededExcellent (740+)
Intro APRNone
Balance TransferNo
Foreign Txn FeeNone
KrediQ Analysis
The Sapphire Rewards Card from Atlas Bank is one of the strongest mid-tier travel cards on the market. With 3x points on dining and travel, it competes directly with premium cards costing far more in annual fees. The 60,000-point welcome bonus (worth roughly $750 in travel) is attainable with a reasonable $4,000 spend requirement. Airport lounge access and no foreign transaction fees make this ideal for international travelers. The $95 annual fee is easily offset by the rewards if you spend at least $300/month on dining and travel. However, the high APR means you should pay your balance in full each month to avoid interest charges that would negate the rewards value.
Pros
- Excellent travel rewards
- No foreign transaction fees
- Airport lounge access
- Strong welcome bonus
Cons
- Annual fee not waived first year
- High APR range
- Requires excellent credit
Alternatives