Best Categories for This Card
Dining & Restaurants
3x on the first $6,000 combined per year at grocery stores, gas stations and dining
Food Delivery
3x on the first $6,000 combined per year at grocery stores, gas stations and dining
Gas Stations
3x on the first $6,000 combined per year at grocery stores, gas stations and dining
Groceries
3x on the first $6,000 combined per year at grocery stores, gas stations and dining
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 3x | Capped Spending | $6,000 cap | 2.10% |
| Food Delivery | 3x | Capped Spending | $6,000 cap | 2.10% |
| Gas Stations | 3x | Capped Spending | $6,000 cap | 2.10% |
| Groceries | 3x | Capped Spending | $6,000 cap | 2.10% |
Everywhere else | 2x | Ongoing | — | 1.40% |
Card details
- Network
- Visa
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
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.
What does a “cap” mean?
Some bonuses only apply up to a spending limit — say 6% on the first $6,000 a year at U.S. supermarkets. Past the cap, the card earns its base rate (often 1%). Log your spend in your wallet and our answers switch to your next best card once a cap is used up.
Downgrade options: Marriott Bonvoy Bold® Credit Card — a product change keeps your account history if this card stops earning its fee.
Pairs well with
Cards that add the most on top of this one for typical U.S. spending, after their annual fees. Use your own spending →
Want more details?
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