Receive a $50 statement credit after qualifying transaction(s). Earn 1 point for every $1 in net retail purchases. Rewards begin at 2,500 points. No limit to the number of points you can earn each year. Points do not expire for 5 years. Redeem your points for cash back, travel with no blackout dates, car rental and hotel rewards, brand name merchandise, or gift certificates. Ultimate Access rewards - an exclusive benefit of that gives you the ability to redeem for exclusive collectibles, memorable tailor-made experiences, unprecedented access to sports and entertainment personalities, access to marquee events, exclusive designer items, sports memorabilia, and once-in-a-lifetime experiences. Cash advances, balance transfers, purchases of money orders or other cash equivalents, out-of-network payments made through Bill Pay Choice,sm purchases made by or for a business or for a business purpose, and unauthorized/fraudulent transactions do not earn points.