Elements

We’ve created four loyalty tiers to help you succeed in your own way. Compare the benefits below.

Earth

$0
Initial qualification: none
Annual qualification: none
  • PVC I Foiled Card
  • 2% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 0.25% APY5
  • Up to 3 Savings Goals
  • Cell Phone Protection
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • 3 Active Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to build

Water

$19.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($1,500 mo. / $500 mo.)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • Embedded Metal Card
  • 4% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 0.75% APY6
  • Up to 10 Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • 15 Active Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to flow

Air

$49.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($3,000 mo. / $1,000)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • All Metal Card
  • 5% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 1.00% APY7
  • Unlimited Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Peloton Digital 2 mo. Reimbursement
  • Priority PassTM Annual Membership + 5 visits
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • Unlimited Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to breathe

Fire

$199.99
Annual Fee (waived in subsequent years when annual qualifications met).
Initial qualification: 30 consecutive days qualifying deposit/ spend ($6,000 mo. / $2,000 mo.)
Annual qualification: 12 x cumulative qualifying deposit/ spend over 1 year
  • Mechanically Engraved All Metal Card
  • 6% Cashback2 & $1 Cashback on Food & Coffee
  • Savings 1.25% APY8
  • Unlimited Savings Goals
  • Cell Phone Protection
  • Netflix 2 mo. Reimbursement
  • Peloton Digital 2 mo. Reimbursement
  • Priority PassTM Annual Membership + 10 visits
  • Global Entry Reimbursement/ TSA Precheck Fee Credit
  • Extended Warranty Protection
  • Auto Rental Collision Damage Waiver
  • Baggage Delay Protection
  • Lost Luggage Protection
  • Hotel Theft Protection
  • Unlimited Virtual Cards
  • 2 Day Early Direct Deposit4
  • 40K Fee Free Allpoint® Network ATMs Nationwide12
  • Bill Pay
  • Send Money to Friends
Your space to ignite
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