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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $170
- First-Year Value Estimate
- $0
- Net Value
- +$170
Card type: PersonalForeign transaction fee: NoneCurrency: Cash Back
Earning Structure
4%DoorDash and Caviar orders4%
3%Dining3%
2%Grocery stores (online or in-store)2%
1%All other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Protections (5)
- Trip Cancellation/Interruption — up to $1,500 — Up to $1,500 per covered traveler and $6,000 per trip for pre-paid, non-refundable passenger fares
- Purchase Protection — up to $500 — 120 days coverage for theft/damage up to $500 per claim, $50,000 per account
- Extended Warranty — up to $10,000 — Extends manufacturer's warranty by 1 year (max 3 years original, up to 4 years total)
- Auto Rental Collision Damage Waiver (secondary) — Secondary coverage for theft and collision damage on rental vehicles
- Cell Phone Protection — up to $800 — Up to $800 per claim when you pay your monthly cell phone bill with this card. $50 deductible per claim.
Other Perks
- Free DashPass membership (12 months complimentary upon account opening, then annually with $10K spend)
- 10% off one convenience, grocery, alcohol, retail, or DashMart order monthly (max $15 discount, through 6/30/2026)
- Mastercard World Elite 24/7 concierge service
- Lyft benefit: $5 ride credit after 3 rides in a calendar month (World Elite Mastercard perk)