Our ranking engine evaluates this card across five factors: nominal earn rate, real point value after currency conversion, portfolio pooling effects, merchant-specific bonuses, and goal alignment.
Top effective rate on this card: 5¢ per dollar. Full methodology →
| Category | Earn Rate | Effective Value |
|---|---|---|
| Everything Else | 1% Cash Back | 1¢/$ |
| Gas & EV Charging
this rate applies up to $1500/quarter combined spend; only after enrolling for the period — without enrolling, purchases earn the base rate; a limited-time rotating category — confirm it's still active before relying on it, per issuer terms |
5% Cash Back | 5¢/$ |
| Travel
this rate applies up to $1500/quarter combined spend; only after enrolling for the period — without enrolling, purchases earn the base rate; a limited-time rotating category — confirm it's still active before relying on it, per issuer terms |
5% Cash Back | 5¢/$ |
| Drugstore
this rate applies up to $1500/quarter combined spend; only after enrolling for the period — without enrolling, purchases earn the base rate; a limited-time rotating category — confirm it's still active before relying on it, per issuer terms |
5% Cash Back | 5¢/$ |
Rates may be subject to caps, exclusions, enrollment requirements, and issuer-defined merchant categories. See our data verification methodology →
Card terms, annual fee, APR, and current welcome offer are set by the issuer and may differ from what's shown here. Always verify the current offer on the issuer's official site before applying.
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