Earn Rates
💡 Earn 5% cash back on groceries, 4% on transit, 3% on gas, 2% on recurring bill payments.
Welcome Bonus
Smart Bonus Strategy — Earn 2,000 points
Spend $2,000 within 1 months
Minimum spend bonus
Spend $2,000 in 1 months
optimal stopcash back bonus+$40Min. spend earnings2,000 pts × 1.0¢+$20
Annual fee (waived yr 1)$0
Net first-year value+$60
Not Included in Smart Bonus Strategy
$40 cash back after meeting $2,000 spend in month 2
Spend $2,000 in 2 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 3
Spend $2,000 in 3 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 4
Spend $2,000 in 4 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 5
Spend $2,000 in 5 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 6
Spend $2,000 in 6 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 7
Spend $2,000 in 7 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 8
Spend $2,000 in 8 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 9
Spend $2,000 in 9 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 10
Spend $2,000 in 10 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 11
Spend $2,000 in 11 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40$40 cash back after meeting $2,000 spend in month 12
Spend $2,000 in 12 months
Only 2.0% return — optimal tier earns 3.0%
cash back bonus+$40Annual Rewards Calculator
Based on average spending, you could earn
$801
conservative est.·up to $801 optimistic
Compare to Similar Cards
MBNA Smart Cash Platinum Plus Mastercard
Cash Back1.0¢ exact
$0 annual fee
you could earn$377
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