In this video, I break down the Stanford Athletics Fan Rewards Visa Signature Card and why it’s a very specific “right person, right card” situation. The headline is the 3x points on Amazon, Google, and Apple, plus Stanford campus dining and the university bookstore—basically a 3% return if those are your everyday spend lanes. You also get 2x on other travel and dining, 1x everywhere else, and a 25,000-point sign-up bonus (about $250) when you spend $1,500 in the first 90 days. Where this card really wins is on fees: no annual fee, no foreign transaction fees, and it even drops balance transfer and cash advance fees (interest still applies). There’s also a 1.99% intro APR for 6 months on balance transfers made within the first 60 days, which can help if you’re moving debt—but the window is short compared to longer 12–18 month offers. The big “hidden math” is the rewards caps: 3x is capped at 12,000 points/year (about $4,000 spend), and 2x is capped at 6,000 points/year (about $3,000 spend). If you blow past those, a flat 2% card can beat this fast, so you’ve got to track your spend and pay in full to avoid variable APR costs.