At a glance
Annual Fee
$95
Rewards Rate
5x travel · 3x dining · 1x everything else
Welcome Bonus
80,000 points after $4,000 in 3 months
Intro APR
0% for 12 months
Regular APR
20.24% – 27.24% Variable
Recommended Credit
Excellent
Pros & cons
Pros
- Industry-leading travel rewards multiplier
- Points worth 25% more when redeemed for travel
- No foreign transaction fees
- Comprehensive travel insurance included
Cons
- $95 annual fee
- Requires excellent credit
Who it's best for
Frequent travelers who want premium rewards without an ultra-premium fee.
How we rated this card
The BW Sapphire Rewards earned a 4.9 / 5.0 from BW editors. We weight rewards value (40%), fees (20%), APR & terms (20%), and cardholder benefits (20%). Our reviews are independent — issuers don't pay for ratings or placements.