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Card Economics
Annual Fee
$0
Ongoing Annual Value
$119
First-Year Value Estimate
$158
Net Value
+$119
Card type: PersonalForeign transaction fee: 2.7%Currency: Cash Back

Sign-up Bonus

You may be eligible for as high as $200 cash back after spending $2k in purchases on your new Card in the first 6 months. Welcome offers vary and you may not be eligible for an offer. Cash back is received as Reward Dollars, redeemable for statement credit or at Amazon.com checkout. Terms Apply. Rates & Fees
Am I eligible?

Earning Structure

3%US Gas Stations (up to $6K per year, then 1%)3%
3%US Grocery Stores (up to $6K per year, then 1%)3%
3%US Online Retail Purchases (up to $6K per year, then 1%)3%
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

Credits & Perks (1)
  • Disney Bundle: $7 (Monthly)

    Enrollment required. Must select a Disney Bundle subscription of $12.99 or more to qualify for the credit

Protections (2)
  • Purchase Protection — up to $1,000 — 90 days coverage for theft/damage, up to $1,000 per item and $50,000 per year
  • Car Rental Insurance (secondary) — up to $50,000 — Secondary coverage for rental car damage, up to $50,000 per rental agreement