Transfer Partners - Airlines: American Airlines, United Airlines, Air Cananda, Emerites, KLM, Hawain Airlines, Turkish Airlines, Virgin Atlantic, Cathaway Pacific, British Airways, Iberia and Aer Lingus - Hotels: Hyatt and IHG

Key Benefits: Trip cancelation and interuption, trip delay reibursment, auto collisuion damage waiver, no foreign transaction fee, $5 in lyft credits per month after three rides, $5 in door dash credits each month, cell phone insurance, purchase protection, interest on points after 25K points in account, double points on the first of the month exluding rent, 

Multipliers: 3X points on dining, 2X points on travel, 5X-2X on Lyft, 1X points on paying rent. 1X on all other purchases.

Annual Fee: $0