ANNUAL FEE$0
PRIMARY FEATURECapped category cash back
REVIEWEDSeptember 2026
The short read
Estimate each qualifying category separately, then calculate how much spending falls beyond the cap. A single headline rate will overstate value for some households.
Where it may fit
Someone with regular eligible spending in those three categories who prefers no annual fee.
What to examine
The elevated rates have separate annual purchase caps and U.S. location rules. Look at the rate after each cap and how rewards are redeemed.
Before applying
Check the issuer's current pricing and terms, including APR, fees, reward conditions and eligibility. This profile is an editorial starting point, not a personalized recommendation or a guaranteed offer. Features and promotional terms can change.
PRIMARY SOURCE
Issuer product page, reviewed September 2026.
View current terms on issuer site ↗External issuer link. No affiliate tracking or compensation for this link.