Best Categories for This Card
3.00%
effective
Gas Stations
5x Choice Privileges Points
3.00%
effective
Home Improvement
5x Choice Privileges Points
3.00%
effective
Phone & Wireless
5x Choice Privileges Points
3.00%
effective
Groceries
5x Choice Privileges Points
0.60%
effective
All Other Purchases
1x Choice Privileges Points
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Gas Stations | 5x | Ongoing | — | 3.00% |
| Home Improvement | 5x | Ongoing | — | 3.00% |
| Phone & Wireless | 5x | Ongoing | — | 3.00% |
| Groceries | 5x | Ongoing | — | 3.00% |
Everywhere else | 1x | Ongoing | — | 0.60% |
Card details
- Last verified
- Oct 15, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Pairs well with
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Want more details?
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