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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $70
- First-Year Value Estimate
- $179
- Net Value
- +$70
Card type: PersonalForeign transaction fee: 3%Currency: Cash Back
Sign-up Bonus
$200 after $1K spend in the first 90 days + 6% back in quarterly category of your choice (up to $2,500 spend/qtr) for the first year
Am I eligible?Earning Structure
3%Your choice of category (Gas & EV Charging, Online Shopping, Dining, Travel, Drug Stores, Home Improvement & Furnishings)3%
2%Grocery Stores2%
2%Wholesale clubs2%
1%All other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Protections (2)
- Purchase Protection — up to $500 — Up to $500 per item, $50,000 annually for eligible items damaged or stolen within 90 days of purchase
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty up to 1 additional year, up to $10,000 per item and $50,000 annually
Other Perks
- 2% and 3% rewards capped at $2.5K in combined purchases per quarter
- Up to 75% bonus for Preferred Rewards banking customers