APEX Signature Rewards Card — Premium Travel Rewards

The Card for Those Who Move the World

APEX Signature
Rewards Card

★★★★★ 4.8 / 5 · 3,200+ reviews

✦ $450 Annual Fee 75,000 Welcome Points $150 First-Year Offer

Apply in 3 Minutes See Benefits

Check eligibility with no impact to your credit score.

•••• •••• •••• 8842

APEX

CARDHOLDER NAME

VISA

✈

3×

Points on Travel

🍽

2×

Points on Dining

💳

$300

Annual Travel Credit

🛋

1,300+

Airport Lounges

Welcome Offer

75,000

Bonus Points

Worth $750 in travel rewards

Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening — enough for two round-trip domestic flights or a weekend at a luxury hotel.

$4,000 spend in 90 days Value: 1¢ per point minimum Flexible redemption

Annual Fee

Transparent Pricing.
Exceptional Value.

First Year

$150

Introductory — Year 1

$300 less than the standard fee. Apply today and keep more in your pocket while earning from day one.

$450

Per year thereafter

Offset the full fee with just your $300 travel credit + Global Entry reimbursement ($100). Net cost: $50/year for premium benefits.

Earning Structure

Every Purchase.
Maximum Return.

Category	Points Earned	Example ($100 spend)
Travel (flights, hotels, car rentals)	3× Points	300 points
Dining & Restaurants Worldwide	2× Points	200 points
Streaming Services	2× Points	200 points
Groceries & Supermarkets	1.5× Points	150 points
All Other Purchases	1× Point	100 points

Card Benefits

Built for the
Discerning Traveler.

💳

$300 Travel Credit

Applied automatically

Receive up to $300 in statement credits per year for travel purchases — flights, hotels, ride-shares, and more. Credits apply automatically with no enrollment required. Resets every cardmember anniversary year.

🛋

Global Lounge Access

1,300+ lounges worldwide

Complimentary access to over 1,300 airport lounges including the Centurion Network, Priority Pass Select, and Delta Sky Club. Up to two guests may accompany you at no charge.

📞

24/7 Concierge Service

Personal assistance, always

Your dedicated APEX Concierge is available around the clock to assist with restaurant reservations, event tickets, travel planning, and virtually any request — wherever you are in the world.

🌐

No Foreign Transaction Fees

Spend freely abroad

Pay no foreign transaction fees on any purchase made outside the United States. Competitive exchange rates with full chip-and-PIN support for international use.

🛡

Trip Cancellation Protection

Up to $10,000 per trip

If your trip is cancelled or cut short due to covered reasons such as illness or severe weather, you may be reimbursed up to $10,000 per trip for non-refundable travel expenses.

✅

Global Entry / TSA PreCheck

$100 credit every 4.5 years

Receive a statement credit of up to $100 to cover the Global Entry application fee — which includes TSA PreCheck. Applicable once every 4.5 years when charged to your APEX card.

Member Stories

Trusted by Travelers
Who Demand More.

★★★★★

"I've had premium cards before, but the APEX experience is in a different league. The $300 travel credit alone covers most of the annual fee, and lounge access has completely changed the way I experience airports. My concierge scored me restaurant reservations I never thought possible."

Marcus R.

Management Consultant · Member since 2022

★★★★★

"We put all our business travel on APEX and the points add up faster than I expected. Redeemed 120,000 points for two business-class tickets to Tokyo — an experience my family will never forget. The trip cancellation insurance saved us $3,200 when a flight was cancelled last winter."

Sarah L.

Founder, Series B Startup · Member since 2021

Getting Started

Four Steps to
Premium Rewards.

Apply Online

Complete a 3-minute application. Checking eligibility has no impact on your credit score.

Get Approved

Most decisions are instant. Your metal card arrives within 7–10 business days.

Start Earning

Every purchase earns points. Hit the welcome spend threshold and unlock 75,000 bonus points.

Redeem Freely

Book flights, hotels, or transfer to 15+ airline and hotel partners for outsized value.

Ready to Elevate?

Apply in 3 Minutes

Check if you qualify with no impact to your credit score. Most decisions are instant.

Rates & Fees Summary

Fee / Rate	Details
Purchase APR	19.99% – 28.99% Variable, based on creditworthiness
Cash Advance APR	29.99% Variable
Annual Fee	$150 introductory first year; $450 thereafter
Foreign Transaction Fee	None
Late Payment Fee	Up to $40
Cash Advance Fee	5% of amount (minimum $10)
Balance Transfer Fee	5% of amount transferred (minimum $5)
Minimum Interest Charge	$2.00

¹ The introductory annual fee of $150 applies for the first year only; $450 annually thereafter. ² Welcome bonus of 75,000 points is earned after spending $4,000 within the first 3 months of account opening. Points value may vary by redemption method; minimum estimated value of 1 cent per point when redeemed for travel through the APEX Travel Portal. ³ The $300 annual travel credit is issued as statement credits for eligible travel purchases. Eligible purchases include airlines, hotels, car rental agencies, taxis, limousines, ferries, trains, buses, and toll facilities. Credit resets each cardmember anniversary year. ⁴ Global Entry application fee credit of up to $100 is available once every 4.5 years. ⁵ Lounge access benefits subject to participating lounge terms and availability. ⁶ Trip cancellation and interruption coverage subject to policy terms and conditions; maximum reimbursement of $10,000 per covered trip. ⁷ Approval for the APEX Signature Rewards Card is subject to creditworthiness as determined by APEX Financial, N.A. This offer is available to new APEX cardmembers only. Existing cardmembers or previous cardmembers may not be eligible. See full Cardmember Agreement for complete terms, conditions, and exclusions.

APEX SignatureRewards Card

Transparent Pricing.Exceptional Value.

Every Purchase.Maximum Return.

Built for theDiscerning Traveler.

Trusted by TravelersWho Demand More.

Four Steps toPremium Rewards.

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