Earn Rates
💡 3% on groceries, gas, EV charging, transit, recurring bills, streaming and digital gaming/media. 1% everything else. $15,000 annual cap per category.
Welcome Bonus
Smart Bonus Strategy — Earn 3,500 points
Spend $3,500 within 3 months
Minimum spend bonus
Spend $3,500 in 3 months
optimal stopcash back bonus+$350Min. spend earnings3,500 pts × 1.0¢+$35
Annual fee (waived yr 1)$0
Net first-year value+$385
Annual Rewards Calculator
Based on average spending, you could earn
$524
conservative est.·up to $524 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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