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Card Economics
- Annual Fee
- $0
- Ongoing Annual Value
- $68
- First-Year Value Estimate
- $229
- Net Value
- +$68
Card type: PersonalForeign transaction fee: 3%Currency: Cash Back
Earning Structure
5%Two categories you choose (up to $2K combined spend per quarter). Options include: Home Utilities, Electronics Stores, Sporting Goods, Ground Transportation, TV/Internet/Streaming, Department Stores, Select Clothing Stores, Gyms/Fitness Centers, Furniture Stores, Cell Phone Providers, Fast Food, Movie Theaters5%
2%One category you choose: Gas Stations/EV Charging, Grocery Stores, or Restaurants2%
1%All other purchases1%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Is this the best card for Two categories you choose (up to $2K combined spend per quarter). Options include: Home Utilities, Electronics Stores, Sporting Goods, Ground Transportation, TV/Internet/Streaming, Department Stores, Select Clothing Stores, Gyms/Fitness Centers, Furniture Stores, Cell Phone Providers, Fast Food, Movie Theaters?Is this the best card for One category you choose: Gas Stations/EV Charging, Grocery Stores, or Restaurants?Is this the best card for All other purchases?
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.
Other Perks
- 0% intro APR for 15 billing cycles on purchases and balance transfers
- Choose your own bonus categories each quarter
- 5% cash back on prepaid travel (air, hotel, car) booked through US Bank Rewards Center