This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.
- Ongoing net value in the scenario
- $315
- Recurring annual fee already deducted
- $0
- Welcome-offer value earned during the first 12 months
- No confirmed offer included
- First-year fee
- $0 — no annual fee
Balanced reference scenario
Value calculated with a balanced spending basket of $36,000 per year.
- Everyday purchases$11,250
- Gas / charging$4,500
- Groceries$11,250
- Pre-authorized payments$4,500
- Restaurants$4,500
No confirmed welcome offer is included in this estimate: it only covers the card’s recurring value minus the first-year fee.
The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.
