Calculator: This calculator is provided for informational purposes only and generates an estimate of rewards points based on the spend amount entered and the current earning rate of 1.25 points per eligible dollar spent. Actual points earned may vary. Calculations do not account for returns, credits, disputed transactions, chargebacks, adjustments, expired points, bonus point promotions or other account activity that may affect a member's rewards balance. Reward point accrual is based on eligible net purchases. PIN-based transactions, ATM transactions, balance transfers and cash advances are not eligible for reward point accrual. Reward redemption values displayed are estimates based on current reward levels and may change without notice. This calculator is intended as a reference tool only and should not be considered a statement of actual rewards earned, available or redeemable. Members should refer to their credit card statement, online banking account or rewards portal for their official rewards balance and redemption options. Membership required. APR means Annual Percentage Rate. Your APR is based on your credit qualifications and may vary with the market based on the Prime Rate. Published APRs are effective as of July 1, 2026.Foreign transaction fees include 2.00% of the U.S. dollar amount for foreign currency conversion and 0.80% for International Service Assessment (ISA). Cash advances are subject to a 2% cash advance fee. Cards issued by mail typically arrive within 4–7 business days. Applicants must be at least 18 years of age. A minimum 25-day grace period applies to purchases to avoid interest charges. For complete terms and conditions, please review the Credit Card Disclosure. Certain terms, conditions and exclusions apply to rewards and card benefits. To qualify for applicable coverage benefits, eligible purchases or transactions must be made using an eligible Visa card. Please refer to the Guide to Benefits for complete details. Members may earn 10,000 bonus points when they spend $3,000 in eligible net purchases within 90 days of account opening. The account must remain open and in good standing to qualify. For additional information please see the credit card Application and Solicitation Disclosure