From awards webpage: "Redeem for travel statement credits, your best value, starting at 2,500 miles for $25 toward travel purchases within the last 120 days. Don't have a recent travel purchase? You can redeem for cash back statement credits, gift cards and merchandise." Rewards other than travel expenses redeem @ 50%, meaning 5,000 miles for $25 or 2,500 miles for $12.50, depending on type.
Our bonus points appeared within a day or two of reaching the spending goal.
This card does not charge a foreign transaction fee & has the embedded chip plus swipe strip. Authorized users have a different card # & the statement breaks out each user's charges.