Earn Rates
💡 5x groceries, dining, digital media, memberships, and household utilities (up to $50,000 annual spend per category). 1x all other purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 22,000 points
Spend $2,000
Minimum spend bonus
Spend $2,000
optimal stop20,000 pts × 1.0¢+$196Min. spend earnings2,000 pts × 1.0¢+$20
Annual fee$0
Net first-year value+$216
Not Included in Smart Bonus Strategy
10,000 points for enrolling in paperless e-statements in the first 90 days
Spend $0
10,000 pts × 1.0¢+$98Annual Rewards Calculator
Based on average spending, you could earn
$1,012
conservative est.·up to $1,035 optimistic
Compare to Similar Cards
MBNA Rewards Platinum Plus Mastercard
MBNA Rewards0.98¢ – 1.00¢
$0 annual fee
you could earn$532
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MBNA Smart Cash World Mastercard
Cash Back1.0¢ exact
$39 annual fee
you could earn$438
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