Cash Back Credit Cards

Advertiser Disclosure

A cash back credit card earns you 1-5% cashback on your every purchase. We help you estimate how much profit you may get with each card based on its signup bonus and your monthly spending in different purchase categories. Compare profits across the best offers available to you, pick your card and start earning.

For
Good (680-719)
Excellent (720+)
Good (680-719)
Fair (620-679)
Poor/No Credit (up to 619)
credit and
monthly spending

Different spending categories can give give you different rewards rate.

Adjust this simple spending categories to help us to do the most precise math we can for credit cards.

50 cards found
NHL® Discover it® photo
NHL® Discover it® photo
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NHL® Discover it®
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,341
We estimate as
  • Card Details
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate.
  • Plus, unlimited 1% cash back on all other purchases. Terms Apply.
  • No annual fee.
  • No penalty APR.
  • Save 10% at Shop.NHL.com with the code ITPAYS. Save 10% on your NHL.TV™subscription when you use your Discover card.
  • Automatic a dollar-for-dollar Cashback Match™ you've earned at the end of your first year.
  • Redeem your rewards for cash in any amount, anytime.
  • Free monthly access to FICO® Score.
  • Freeze it® on/off switch option for your account protection.
  • Pros
  • 5% cash back
  • No annual fee
  • No penalty APR
  • No overlimit fee
  • No foreign transaction fee
  • 0% APR for 14 months
  • Cons
  • Good to excellent credit score required
  • No signup bonus
First Tennessee Platinum Premier® Visa® photo
First Tennessee Platinum Premier® Visa® photo
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First Tennessee Platinum Premier® Visa®
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
10%
$0
$0
$7,200
We estimate as
  • Card Details
  • No annual fee.
  • Credit lines starting at $5,000.
  • Earn up to 10% cash back on your purchases.
  • Access to First Tennessee Cash Rewards®.
  • 0% Intro APR for the first 12 months, after that variable APRs currently 15.75% - 20.75% on purchases and balance transfers.
  • Can be linked to checking for overdraft protection.
  • Compatible with Apple Pay® for convenient purchases.
  • Pros
  • No Annual Fee
  • Cash back rewards
  • 0% Intro APR for the first 12 months
  • Cons
  • No signup bonus

Our Take

The First Tennessee Platinum Premier® Visa® credit card is a rare balance transfer offer on the market since it has both a 0% APR and no fee for balance transfers. It also offers a cash rewards program, but, if you are planning to carry balance, avoid using the same card for making purchases and transferring balances - it may be costly.

Discover it® Cash Back photo
Discover it® Cash Back photo
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Discover it® Cash Back
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$3,285
We estimate as
  • Card Details
  • No annual fee.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com, Sam's Club and more on up to $1,500 in purchases every quarter you activate.
  • 1% cash back or more on all other purchases.
  • Only Discover automatically matches all the cash back you've earned at the end of your first year.
  • 0% Intro APR for 14 months on purchases and balance transfers.
  • Redeem your rewards for cash in any amount, any time. Your cash back never expires.
  • Paying late won't raise your APR. No late fee for your first late payment.
  • Freeze your account in seconds with an on/off switch on either the mobile app or website to prevent new purchases.
  • Pros
  • 5% cash back
  • No annual fee
  • 0% Intro APR for 14 months
  • Cons
  • No sign-up bonus
  • 3% fee for each balance transfer

Our Take

The card has no annual fee, a little tolerance to late payments and an attractive 14-month long balance transfer offer with zero APR. An equal promotional period of zero APR on purchases makes it possible to you to earn rewards while paying down your debt without pitfalls (just mind the gap when APRs differ).

Alliant Cashback Visa® Signature Credit Card photo
Alliant Cashback Visa® Signature Credit Card photo
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Alliant Cashback Visa® Signature Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
3%
$59
waived first year
$0
$2,042
We estimate as
  • Card Details
  • A true cashback card: 3% cash back in year one & 2.5% cash back after.
  • No limit to the cash back awards you can earn.
  • Exclusively designed for those spending $50,000+ a year on their card.
  • No foreign transaction fees.
  • $59 annual fee, waived the first year.
  • Rates as low as 12.24% APR.
  • Generous credit line.
  • Works with Google Pay™, Apple Pay™ and Samsung Pay™.
  • $0 fraud liability guarantee from Visa.
  • Travel Accident Insurance, Purchase Security, Personal Identity Theft, Concierge.
  • Pros
  • 3% cash back
  • No foreign transaction fee
  • No limit to the cash back
  • Low APR
  • Cons
  • No signup bonus
  • Has annual fee
Premium Cash Back+ photo
Premium Cash Back+ photo
Apply
Premium Cash Back+
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
$0
$200
$1,640
We estimate as
  • Card Details
  • With the introductory offer, you will earn a $200 bonus if you spend $3,000 in eligible purchases within 90 days of your SDFCU Premium Cash Back+ Card enrollment date.
  • 2% cash rewards.
  • No balance transfer fee.
  • No foreign transaction fee.
  • No annual fee.
  • 10.99% APR.
  • Secure EMV chip technology.
  • 24-hour banking and mobile app access.
  • Pros
  • Low APR
  • 2% cash back
  • Signup bonus
  • No annual fee
  • No foreign transaction fee
  • No balance transfer fee
  • Cons
  • No rewards available
Citi® Double Cash Card photo
Citi® Double Cash Card photo
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Citi® Double Cash Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
2%
$0
$0
$1,440
We estimate as
  • Card Details
  • Earn Cash Back TWICE on every purchase with 1% cash back when you buy and 1% cash back as you pay, with no annual fee.
  • No caps and no category restrictions.
  • No annual fee.
  • 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
  • You can redeem cash back for checks, statement credits or gift cards.
  • Get a pass on your first late fee.
  • Enjoy special access to purchase tickets to thousands of events annually at citiprivatepass.com.
  • Citi Price Rewind searches for a lower price on the registered items you pay for with your Citi card at hundreds of online merchants.
  • Travel & Purchase protection.
  • Pros
  • 2% cash back
  • No annual fee
  • 0% Intro APR on balance transfers for 18 months
  • Cons
  • Good to excellent credit score required
  • No signup bonus
Bank of America® Premium Rewards® Credit Card photo
Bank of America® Premium Rewards® Credit Card photo
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Bank of America® Premium Rewards® Credit Card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$95
$500
50,000 points
$1,367
We estimate as
  • Card Details
  • 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
  • No limit to the points you can earn and your points don't expire.
  • Redeem for cash back as a statement credit, or as a deposit into your eligible Bank of America® or Merrill Lynch® accounts including checking, savings, and 529, or to purchase travel (air, car, and hotel) through the Bank of America Travel Center or redeem for gift cards.
  • Get up to $200 in travel statement credit rewards.
  • No foreign transaction fees.
  • If you're a Bank of America® Preferred Rewards client, you can enjoy 25% - 75% rewards bonus on every purchase. That means you could earn up to 3.5 points per $1 on travel and dining purchases and up to 2.62 points per $1 on all other purchases.
  • Pros
  • Generous signup bonus
  • High rewards rate
  • No foreign transaction fee
  • Cons
  • Has annual fee
Capital One® Savor® Rewards Credit Card photo
Capital One® Savor® Rewards Credit Card photo
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Capital One® Savor® Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$95
waived first year
$500
$1,354
We estimate as
  • Card Details
  • Earn unlimited 4% cash back on dining and entertainment, 2% on groceries and 1% on all other purchases.
  • Earn a one-time $500 cash bonus once you spend $3000 on purchases within 3 months from account opening.
  • $0 intro for the first year, $95 after that.
  • No balance transfer fee.
  • No foreign transaction fees.
  • Rewards don’t expire for the life of the account, and you can redeem cash back for any amount.
  • Travel and retail perks and benefits.
  • Pros
  • Generous signup bonus
  • 4% cash back
  • No annual fee
  • No foreign transaction fee
  • Cons
  • Good to excellent credit score required
Blue Cash Preferred® Card from American Express photo
Blue Cash Preferred® Card from American Express photo
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Blue Cash Preferred® Card from American Express
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 6% restricted
$95
$250
$1,297
We estimate as
  • Card Details
  • Earn $250 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $250 back in the form of a statement credit.
  • 0% intro APR on purchases and balance transfers for 12 months, then a variable APR, 14.74% - 25.74%.
  • Earn 6% Cash Back at US supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 3% Cash Back at US gas stations and select US department stores.
  • Earn 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn rewards faster by adding Additional Cards for your family and friends, their purchases earn rewards just like yours. You can also earn cash back for monthly spending, like your phone bill.
  • Travel and shopping benefits.
  • Pros
  • Generous signup bonus
  • Great cash back on gas
  • 0% introductory APR for the first 12 months
  • Cons
  • Annual fee of $95

Our Take

Blue Cash Preferred® Card is the best cashback card in its segment. In the long run, you save a considerable amount (up to $360 provided you spend at least $6,000 per year on groceries).  Apply for the card and win rewards from shopping.

SunTrust Cash Rewards Credit Card photo
SunTrust Cash Rewards Credit Card photo
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SunTrust Cash Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$1,296
We estimate as
  • Card Details
  • 5% Cash Back on up to $6,000 spent on gas and grocery qualifying purchases in the first 12 months.
  • 2% Unlimited Cash Back on qualifying gas and grocery purchases after your introductory bonus cash back.
  • 1% Unlimited Cash Back on all other qualifying purchases.
  • 0% intro APR on purchases and balance transfers for 15 months after account opening.
  • No annual fee.
  • No foreign transaction fees.
  • Pros
  • 5% cash back
  • No annual fee
  • No foreign transaction fee
  • Cons
  • No signup bonus
Wells Fargo Cash Wise Visa® Card photo
Wells Fargo Cash Wise Visa® Card photo
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Wells Fargo Cash Wise Visa® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$0
$200
$1,280
We estimate as
  • Card Details
  • $200 cash rewards bonus if you spend $1,000 (net purchases) in first 3 months. Terms Apply.
  • Unlimited 1.5% cash rewards on net purchases.
  • No Annual Fee.
  • 1.8% cash rewards earned on purchases when using a qualified mobile wallet (including Apple Pay® and Google PayTM) during the first 12 months from account opening.
  • 0% intro APR on purchases and balance transfers for 12 months.
  • No category restrictions or quarterly sign ups to limit cash rewards earnings.
  • Cash rewards that don’t expire while the account is open.
  • Account protections such as 24/7 Fraud Monitoring, Rapid Alerts & Zero Liability Protection for promptly reported unauthorized transactions.
  • Pros
  • Cash rewards
  • No annual fee
  • Sign-up bonus
  • Low introductory APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees
Chase Freedom Unlimited® credit card photo
Chase Freedom Unlimited® credit card photo
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Chase Freedom Unlimited® credit card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$0
$150
$1,230
We estimate as
  • Card Details
  • Earn $150 bonus after you spend $500 on purchases in the first 3 months from account opening - new cardmembers only.
  • Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
  • Enjoy 0% promotional APR for 15 months from date of purchase on purchases of $299 or more – available anytime and it's automatic. After that, 16.99% - 25.74% variable APR.
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Price Protection – If a card purchase you made in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference up to $500 per item, $2,500 per year.
  • Zero Liability Protection means you won't be held responsible for unauthorized charges made with your card or account information.
  • Cash Back rewards are tracked as points and each $1 in Cash Back rewards earned is equal to 100 points.
  • Maximize your rewards by transferring points to the card that earns Chase Ultimate Rewards points.
  • Pros
  • 1.5% unlimited cash back on all purchases
  • No annual fee
  • $150 bonus with low qualification
  • 0% intro APR for 15 months on purchases
  • Cons
  • Good to excellent credit score required
Cash Magnet™ Card photo
Cash Magnet™ Card photo
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Cash Magnet™ Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$0
$150
$1,230
We estimate as
  • Card Details
  • Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
  • Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the $250 back as a statement credit.
  • No annual fee.
  • Unlimited 1.5% Cash Back on your purchases.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • Car rental loss and damage insurance.
  • Travel and shopping benefits.
  • Pros
  • Unlimited 1.5% Cash Back
  • Generous signup bonus
  • No annual fee
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
  • Has foreign transaction fees.
Uber Visa Card photo
Uber Visa Card photo
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Uber Visa Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 4% restricted
$0
$100
$1,180
We estimate as
  • Card Details
  • Earn $100 after spending $500 on purchases in the first 90 days.
  • 4% back on restaurants, takeout, and bars, including UberEATS.
  • 3% back on airfare, hotels, and vacation home rentals.
  • 2% back on online purchases including Uber, online shopping, video and music streaming services.
  • 1% back on all other purchases.
  • Up to a $50 credit for online subscription services after you spend $5,000 on your card per year.
  • No foreign transaction fees.
  • No annual fee.
  • Up to $600 in mobile phone protection including damage and theft when you use your Uber Visa Card to pay your monthly mobile phone bill.
  • Receive invites to exclusive events and offers in select U.S. cities.
  • Pros
  • 4% cash back
  • No annual fee
  • No foreign transaction fee
  • Generous signup bonus
  • Cons
  • Good to excellent credit score required
Chase Sapphire Preferred® credit card photo
Chase Sapphire Preferred® credit card photo
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Chase Sapphire Preferred® credit card
This card earns Ultimate Rewards Points (Chase Ultimate Rewards program) See transfer options
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
$95
waived first year
$500
50,000 points
$1,174
We estimate as
  • Card Details
  • 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when redeemed through Chase Ultimate Rewards®.
  • 2X points on travel and dining at restaurants - from airfare and hotels to fine dining and cafés.
  • Plus, 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
  • $0 intro annual fee for the first year, after that $95.
  • 1:1 Point Transfer to leading frequent travel programs.
  • Travel & purchase coverage.
  • 24/7 Access to a Customer Service Specialist.
  • Pros
  • High rewards rate on travel
  • No Foreign transaction fees
  • Sign-up bonus
  • Get more points on travel and dining at restaurants
  • Security & Benefits
  • Cons
  • Has annual fee

Our Take

The Chase Sapphire Preferred® credit card is, perhaps, the best way to participate in Chase Ultimate Rewards® loyalty program. The introductory bonus is huge, redemption value is above average, and the earn rate is reasonable.

Blue Cash Everyday® Card from American Express photo
Blue Cash Everyday® Card from American Express photo
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Blue Cash Everyday® Card from American Express
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,172
We estimate as
  • Card Details
  • Earn $200 Back after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $200 back in the form of a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable APR, 14.74% - 25.74%.
  • No annual fee.
  • Earn 3% Cash Back at U.S. supermarkets, up to $6,000 per year in purchases (then 1%).
  • Earn 2% Cash Back at U.S. gas stations & select U.S. department stores.
  • Earn 1% Cash Back on other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.
  • Travel and shopping benefits.
  • Pros
  • No annual fee
  • Generous signup bonus
  • Competitive cash back on groceries
  • Good cash back rate on gas
  • Cons
  • 0% APR for purchases and balance transfer for 15 month, then a regular APR is applied
Bank of America® Cash Rewards Credit Card photo
Bank of America® Cash Rewards Credit Card photo
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Bank of America® Cash Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$200
$1,100
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account for transactions made within 60 days of opening your account.
  • Online $200 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • Get a 10% customer bonus every time you redeem your cash back into a Bank of America® checking or savings account.
  • If you're a Bank of America Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • There's no annual fee, no expiration on rewards and with no changing categories to follow, you always know where and how you're earning rewards.
  • Complete your application and get a response in as little as 60 seconds.
  • Pros
  • 0% APR intro offer for 12 months on purchases and balance transfer
  • No annual fee
  • 2% cash back on groceries
  • 3% cash back on gas
  • $150 online bonus
  • Cons
  • Good to excellent credit score required
  • 1% cash back on all purchases is not a top-notch offer
Amazon Rewards Visa Signature Card photo
Amazon Rewards Visa Signature Card photo
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Amazon Rewards Visa Signature Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$50
$1,094
We estimate as
  • Card Details
  • $50 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
  • Earn 3% Back at Amazon.com and Whole Foods Market, 2% Back at restaurants, gas stations and drugstores, and 1% Back on all other purchases. Terms Apply.
  • No annual fee.
  • No foreign transaction fees.
  • Redeem for millions of items at Amazon.com.
  • Service & protection.
  • Pros
  • $50 Amazon.com Gift Card
  • Cash Back rewards
  • No Annual Fee
  • No Foreign transaction fees
Preferred Cash Rewards Visa Signature® Credit Card photo
Preferred Cash Rewards Visa Signature® Credit Card photo
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Preferred Cash Rewards Visa Signature® Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$0
$0
$1,080
We estimate as
  • Card Details
  • Earn 1.5% cash back on every purchase.
  • Redeem your cash rewards anytime using your mobile device or computer.
  • There's no limit on the amount you can earn.
  • No foreign transaction fees.
  • No annual fee.
  • Special Benefits for Military.
  • Security, Travel and Retail Benefits.
  • Pros
  • No Annual Fee
  • No Foreign transaction fees
  • 1.5% cash back on all purchases
  • Cons
  • No signup bonus
  • Good to excellent credit score required
Capital One® Venture® Rewards photo
Capital One® Venture® Rewards photo
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Capital One® Venture® Rewards
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
$95
waived first year
$250
50,000 miles
$1,068
We estimate as
  • Card Details
  • Earn unlimited 2X miles per dollar on every purchase.
  • Earn 10Х miles at hotels.com/venture.
  • Earn 50,000 bonus miles once you spend $3,000 on purchases within the first 3 months from account opening.
  • $0 intro for the first year, $95 after that.
  • No foreign transaction fees.
  • Use your Venture® card to make travel purchases on any website or app—any airline, any hotel, rental cars and more.
  • Once you make a travel purchase with Venture, redeem your miles as a statement credit toward the cost. Your rewards don't expire.
  • You're covered by $0 Fraud Liability if your card is ever lost or stolen.
  • Visa Signature® Benefits.
  • Pros
  • Sign-up bonus
  • Unlimited Rewards
  • No foreign transaction fees
  • Cons
  • Good to excellent credit score required
BMO Harris Bank Cash Back Mastercard® photo
BMO Harris Bank Cash Back Mastercard® photo
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BMO Harris Bank Cash Back Mastercard®
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$200
$1,064
We estimate as
  • Card Details
  • Earn 2% cash back on gas and grocery purchases, up to $2,500 in combined spend each calendar quarter; plus 1% cash back on all other purchases.
  • $200 cash back bonus when you spend $2,000 in in the first 3 months of account opening.
  • 0% intro APR on purchases for the first 6 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • 0% intro APR on balance transfers for the first 12 months. After that, a variable APR applies, currently 15.99%, 17.99%, 20.99% or 23.99%, based on your creditworthiness.
  • No annual fee.
  • Redeem cash back for a statement credit with a minimum of $15 in your available cash balance.
  • Pros
  • 2% cash back
  • No annual fee
  • $200 cash back bonus
  • 0% purchase and balance transfer intro APR
  • Cons
  • Good to excellent credit score required
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
Susan G. Komen® Cash Rewards Visa® credit card from Bank of America photo
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Susan G. Komen® Cash Rewards Visa® credit card from Bank of America
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and now at wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
  • Help fight breast cancer. Terms Apply.
  • Enjoy no annual fee while earning more cash back for the things you buy most.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your account.
  • You can get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Free monthly access to FICO® Score.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Pros
  • 1.5% cash back
  • Help fight breast cancer
  • Sign-up bonus
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
MLB™ Cash Rewards Mastercard® from Bank of America photo
MLB™ Cash Rewards Mastercard® from Bank of America photo
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MLB™ Cash Rewards Mastercard® from Bank of America
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 1% cash back on purchases, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • Earn rewards you like and choose the card with your favorite team. All MLB® teams are available.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash back rewards
  • Sign-up bonus
  • No annual Fee
  • 0% Intro APR for the first 12 billing cycles
World Wildlife Fund Credit Card from Bank of America photo
World Wildlife Fund Credit Card from Bank of America photo
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World Wildlife Fund Credit Card from Bank of America
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter.
  • For each new World Wildlife Fund credit card account World Wildlife Fund receives a minimum of $3, 0.08% of all net retail purchases made with this card, and $3 for each annual card renewal.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • No Annual Fee.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • Cash Back Rewards
  • Help support WWF
  • No Annual Fee
  • 0% Intro APR for your first 12 billing cycles
  • Security & Benefits
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
U.S. Pride® BankAmericard Cash Rewards™ Visa® Card photo
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U.S. Pride® BankAmericard Cash Rewards™ Visa® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$150
$1,050
We estimate as
  • Card Details
  • 1% cash back on every purchase, 2% at grocery stores and wholesale clubs and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter. Terms Apply.
  • No Annual Fee.
  • Online $150 cash rewards bonus after making at least $500 in purchases in the first 90 days of your account opening.
  • 0% Intro APR for the first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • 0% Intro APR for the first 12 billing cycles
  • Cash Back Rewards
  • Free monthly access to FICO® Score
  • Cons
  • Has interest charges
Amazon Prime Rewards Visa® Signature Card photo
Amazon Prime Rewards Visa® Signature Card photo
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Amazon Prime Rewards Visa® Signature Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$1,044
We estimate as
  • Card Details
  • No annual fee.
  • No foreign transaction fees.
  • Get a $50 Amazon.com Gift Card instantly upon credit card approval.
  • Earn 3% cash back at Amazon.com and Whole Foods Market.
  • Earn 2% cash back at gas stations, restaurants, and drugstores.
  • Earn 1% cash back on all other purchases.
  • Redeem for millions of items at Amazon.com
  • Travel perks and protection.
  • Pros
  • No annual fee
  • No foreign transaction fee
  • 3% cash back
  • Cons
  • Good to excellent credit score required
AARP® Credit Card from Chase photo
AARP® Credit Card from Chase photo
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AARP® Credit Card from Chase
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$100
$1,036
We estimate as
  • Card Details
  • $100 Bonus Cash Back after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 3% Cash Back rewards on purchase at gas stations and restaurants, from fine dining to fast food.
  • Plus, earn 1% Cash Back rewards on all other purchases.
  • No Annual Fee.
  • No caps and rewards do not expire as long as your account is open.
  • Redeem rewards for cash back, gift cards and traveling.
  • For every purchase you make at restaurants with your AARP Credit Card from Chase, $0.10 will be donated to AARP Foundation in support of Drive To End Hunger, up to $1.1 Million in 2016.
  • Service & protection.
  • Pros
  • $100 Bonus Cash Back
  • Unlimited Cash Back rewards
  • No Annual Fee
  • Service & protection
First Hawaiian Bank Cash Rewards Credit Card photo
First Hawaiian Bank Cash Rewards Credit Card photo
Apply
First Hawaiian Bank Cash Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$125
$1,025
We estimate as
  • Card Details
  • Apply by December 31, 2018, and if approved, receive a $125 statement credit after spending only $500 in the first three months.
  • Earn 3% cash back on gas purchases, 2% cash back on grocery purchases, 1% cash back on all other purchases.
  • Cash rewards are automatically credited to your monthly credit card statement.
  • No annual fee.
  • $100,000 Travel Accident Insurance.
  • Secondary Rental Car Insurance.
  • Color Photo I.D.
  • 24-Hour Customer Service.
  • Embedded EMV chip provides an extra layer of security and greater worldwide acceptance.
  • Pros
  • Generous signup bonus
  • 3% cash back
  • No annual fee
  • Cons
  • No signup bonus
Discover it® Balance Transfer photo
Discover it® Balance Transfer photo
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Discover it® Balance Transfer
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$1,017
We estimate as
  • Card Details
  • No annual fee.
  • 0% intro APR for 18 months on balance transfers.
  • Earn 5% Cash Back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more. Terms apply.
  • Plus unlimited 1% cash back on all other purchases.
  • Only Discover automatically matches all the cash back you've earned at the end of your first year.
  • Your cash back never expires. Redeem in any amount, at any time.
  • Freeze It® on/off switch for your account.
  • 100% U.S.-based customer Service.
  • View your FICO® Credit Score for free.
  • Pros
  • No annual fee
  • No foreign transaction fee
  • Low balance transfer intro APR
  • 5% cash back
  • Cons
  • Has balance transfer fee
SunTrust Travel Rewards Credit Card photo
SunTrust Travel Rewards Credit Card photo
Apply
SunTrust Travel Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$89
waived first year
$250
$1,008
We estimate as
  • Card Details
  • $250 Statement Credit after you spend $3,000 on qualifying purchases in the first three months after account opening.
  • 3% Unlimited Cash Back on travel qualifying purchases.
  • 2% Unlimited Cash Back on dining qualifying purchases.
  • 1% Unlimited Cash Back on all other qualifying purchases—all the time.
  • Up to a $100 statement credit every 5 years, as reimbursement for your application fee for Global Entry or TSA Precheck.
  • No foreign transaction fees.
  • $0 Intro Annual fee for the first year, $89 thereafter.
  • 0% intro APR on balance transfers for 15 months after account opening.
  • Pros
  • 3% cash back
  • Generous signup bonus
  • No foreign transaction fee
  • 0% balance transfer intro APR
  • $0 Intro Annual fee for the first year
  • Cons
  • $89 annual fee
Chase Freedom® credit card photo
Chase Freedom® credit card photo
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Chase Freedom® credit card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$150
$1,005
We estimate as
  • Card Details
  • Earn $150 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate, and 1% cash back on all other purchases.
  • No Annual Fee.
  • 0% intro APR for the first 15 months from account opening on purchases and balance transfers. After that, 16.99% - 25.74% variable APR.
  • Cash Back rewards do not expire as long as your account is open.
  • Redeem Cash Back rewards for Amazon.com orders, gift cards, and your travel booking.
  • Service & protection.
  • Pros
  • $150 Bonus
  • Low intro APR
  • Cash Back rewards
  • No Annual Fee
  • Cons
  • Has foreign transaction fees

Our Take

Chase Freedom® is a must-have card for anyone who is interested in generous cash back rewards. This card is quite cheap to maintain and has wide and flexible options for redemption. Customers interested in wider cash back options or in maximization of travel rewards might want to combine this card with some others. Reward maximization with Chase Freedom® is a bit sophisticated, but it is worth your efforts.

Disney® Premier Visa® Card photo
Disney® Premier Visa® Card photo
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Disney® Premier Visa® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$49
$200
$989
We estimate as
  • Card Details
  • $200 Statement Credit after you spend $500 on purchases in the first 3 months from account opening.
  • Earn 2% in Disney Rewards Dollars on card purchases at gas stations, grocery stores, restaurants and most Disney locations. Earn 1% on all your other card purchases.
  • Save 10% on select Disney and Star Wars purchases at Disney store and shopDisney.com
  • Receive 10% off select merchandise purchases of $50 or more at select locations at the Disneyland® and Walt Disney World® Resorts.
  • Enjoy Cardmember-exclusive photo opportunities in private locations with Disney or Star Wars™ Characters. You'll receive downloads of your photos, too!
  • Disney Visa Cardmember-exclusive photo opportunities with Disney or Star Wars Characters, held in private locations at the Disneyland® and Walt Disney World® Resorts.
  • Redeem Rewards Dollars toward most anything Disney and Star Wars™ at most Disney locations, including Theme Park tickets, Resort stays, shopping, dining and more.
  • Service & protection.
  • 0% Promo APR for the first 6 months following the purchase date on select Disney vacation packages or purchase of a real estate interest.
  • Pros
  • $200 Disney Gift Card
  • 10% savings on shopping
  • Disney Perks
  • High rate rewards
  • Service & protection
  • Cons
  • Has annual fee
Capital One® QuicksilverOne® Rewards photo
Capital One® QuicksilverOne® Rewards photo
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Capital One® QuicksilverOne® Rewards
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.5%
$39
$0
$963
We estimate as
  • Card Details
  • Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
  • Rewards don't expire, and you can redeem your cash back for any amount, anytime.
  • Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time.
  • Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise.
  • $39 Annual Fee.
  • 26.99% variable APR for Purchases and Transfers.
  • Platinum MasterCard® Benefits.
  • No foreign transaction fee.
  • Pros
  • Unlimited Rewards
  • No foreign transaction fees
  • Cons
  • Has annual fee
  • High APR
Deserve® Pro Mastercard photo
Deserve® Pro Mastercard photo
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Deserve® Pro Mastercard
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$936
We estimate as
  • Card Details
  • 3% cash back on travel.
  • 2% cash back on restaurants.
  • 1% cash back on all purchases.
  • No deposit required.
  • $0 annual fee.
  • No foreign transaction fee.
  • Refer a Friend and get a $30 statement credit. Refer 10 friends and get a $200 bonus for a total of $500 in statement credits.
  • Pros
  • No annual fee
  • 3% cash back
  • No deposit required
  • Cons
  • No signup bonus
Cashback Rewards Plus American Express® Card photo
Cashback Rewards Plus American Express® Card photo
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Cashback Rewards Plus American Express® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 5% restricted
$0
$0
$918
We estimate as
  • Card Details
  • Earn 5% cash back on your first $3,000 in gas and military base purchases annually on these categories combined. After that, earn 1% for the remainder of the year.
  • Earn 2% cash back on your first $3,000 on supermarket purchases per year. After that, earn 1% for the remainder of the year.
  • Plus, unlimited 1% cash back on all other purchases. Terms Apply.
  • No Annual Fee.
  • No Foreign Transaction Fees.
  • Special Benefits for Military.
  • Security and Convenience.
  • Pros
  • Cash back rewards
  • No Annual Fee
  • No Foreign transaction fees
  • Cons
  • Good to excellent credit score required
  • No signup bonus
Cash Rewards American Express® Card photo
Cash Rewards American Express® Card photo
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Cash Rewards American Express® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 3% restricted
$0
$0
$900
We estimate as
  • Card Details
  • 3% cash back on gas on the first $6,000 in annual fuel spend.
  • 2% cash back on supermarket net purchases.
  • 1% cash back on other everyday net purchases.
  • No limit on total cash back that you can earn, and you have five years to redeem cash back.
  • No annual fee.
  • No penalty APR.
  • Intro 0% APR for the first 6 billing cycles on purchases and balance transfers.
  • $25 cash back reward bonus after first purchase.
  • Zero Fraud Liability.
  • Pros
  • 3% cash back
  • No annual fee
  • No penalty APR
  • No limit on total cash back
  • Intro 0% APR for the first 6 billing cycles
  • Cons
  • No signup bonus
Barclaycard Arrival® Plus World Elite Mastercard® photo
Barclaycard Arrival® Plus World Elite Mastercard® photo
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Barclaycard Arrival® Plus World Elite Mastercard®
This card earns Barclay Reward Points (Barclay Premier Rewards program)
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1.05%
$89
waived first year
$315
60,000 miles
$893
We estimate as
  • Card Details
  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days and paying the annual fee - that's enough to redeem for a $600 travel statement credit toward a qualifying travel purchase.
  • Redeem your miles for travel statement credits starting at 10,000 for $100 toward all or a portion of your travel purchase of $100 or more made within the past 120 days
  • Earn 2X miles on all purchases.
  • Get 5% miles back to use toward your next redemption every time you redeem.
  • Enjoy a 0% introductory APR for 12 months for each balance transfer made within 45 days of account opening.
  • To qualify for participation in the Rewards Program Your Account cannot have been inactive for 6 billing cycles in a row (representing approximately 6 months). “Inactive” means you have no balance, no payments, and no transactions.
  • No foreign transaction fees on anything you buy while in another country.
  • Travel accident and trip cancellation insurance.
  • $0 fraud liability protection means you're not responsible for unauthorized charges you report to bank.
  • MasterCard World Elite concierge and luxury travel benefits.
  • Pros
  • Generous sign-up bonus
  • Earn 2 miles per dollar on all purchases
  • Get 5% miles back every time you redeem
  • 0% APR for 12 months balance transfers offer
  • No foreign transaction fee
  • Cons
  • Annual fee of $89

Our Take

Do you strive to get to your next travel destination as soon as possible? Stop right here and apply for the Barclaycard Arrival® Plus World Elite Mastercard®. No doubts, this card will bring you closer to free travel with each purchase you make.

Bank of America® Travel Rewards credit card photo
Bank of America® Travel Rewards credit card photo
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Bank of America® Travel Rewards credit card
This card earns Preferred Rewards Points (Bank of America Preferred Rewards program)
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.89%
$0
$150
25,000 points
$863
We estimate as
  • Card Details
  • Earn unlimited 1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points. Terms Apply.
  • 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases. Terms Apply.
  • No Annual Fee.
  • No Foreign Transaction Fees.
  • Introductory 0% APR for your first 12 billing cycles for purchases. After that, a Variable APR that's currently 16.99% - 24.99% will apply.
  • Get a 10% customer bonus every time you redeem your cash back into a BofA® checking or savings account. If you're a BofA Preferred Rewards client, you could increase that bonus to 25% - 75%.
  • Redeem points for a travel credit or cash reward starting at 2,500 points; gift card redemptions start at 3,125 points.
  • Enjoy Security & Benefits: Online Shopping Security, Overdraft Protection, Digital Wallet Technology and more.
  • Free monthly access to FICO® Score.
  • Pros
  • High rewards rate
  • Sign-up bonus
  • No Annual Fee
  • No Foreign Transaction Fees
  • Intro 0% APR for the first 12 billing cycles
  • Cons
  • Has interest charges

Our Take

The Bank of America® Travel Rewards credit card has a number of things going for it. It’s free, there is a sign-up bonus, and it has the potential of earning rewards at a rate above market average.

Discover it® Chrome Gas & Restaurants photo
Discover it® Chrome Gas & Restaurants photo
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Discover it® Chrome Gas & Restaurants
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
  • Card Details
  • Earn 2% Cash Back at gas and restaurants on up to $1,000 in combined purchases each quarter.
  • Plus, 1% cash back on all other purchases. Terms Apply.
  • No annual fee.
  • No penalty APR.
  • Only Discover automatically matches a dollar-for-dollar of all the cash back you've earned at the end of your first year. Terms Apply.
  • No cash back expiration. Redeem your rewards in any amount, at any time.
  • Free monthly access to FICO® Score.
  • Freeze it® on/off switch option for your account protection.
  • Fraud monitoring and protection.
  • Pros
  • High Cash Back rate
  • No Annual Fee
  • No Penalty APR
  • 0% purchase intro APR
  • FICO® Credit Score for free
  • Cons
  • Good to excellent credit score required
  • No signup bonus
KC Royals™ Mastercard® photo
KC Royals™ Mastercard® photo
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KC Royals™ Mastercard®
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
  • Card Details
  • 3% cash back on wireless providers and ride-sharing services.
  • 2% cash back on gas and restaurants.
  • 1% as back on all other purchases.
  • 0% Intro APR for 12 monthly billing cycles after account opening on Purchases and Balance Transfers, then 16.24% - 22.24% Variable APR.
  • Unlimited Cash Back with no point caps & no opt-in.
  • Redeem for Cash Back, gift cards, travel, Royals merchandise and more! A Cash Back redemption is applied as a statement credit.
  • Discounted game tickets.
  • Game day experiences and exclusive events.
  • No Annual Fee.
  • Zero Liability Coverage.
  • Pros
  • 3% cash back
  • 0% purchase intro APR
  • 0% balance transfere intro APR
  • No annual fee
  • Cons
  • No signup bonus
Special Connections® MasterCard® with Rewards photo
Special Connections® MasterCard® with Rewards photo
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Special Connections® MasterCard® with Rewards
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
+ up to 2% restricted
$0
$0
$828
We estimate as
  • Card Details
  • 3% cash back on wireless providers and ride-sharing services.
  • 2% cash back on gas and restaurants.
  • 1% as back on all other purchases.
  • Redeem for Cash Back, gift cards, travel, merchandise and more. A Cash Back redemption is applied as a statement credit.
  • Low Introductory APR.
  • No Annual Fee.
  • Zero Liability Coverage.
  • Pros
  • No annual fee
  • 3% cash back
  • Low Introductory APR
  • Cons
  • No signup bonus
NFL Extra Points Credit Card from Barclaycard photo
NFL Extra Points Credit Card from Barclaycard photo
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NFL Extra Points Credit Card from Barclaycard
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
$0
$100
10,000 points
$820
We estimate as
  • Card Details
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for $100 cash back.
  • Earn 2 points per $1 on NFL and Team purchases like eligible NFL tickets, in stadium, NFLShop.com and at team pro shops, and earn 1 point per $1 on all other purchases.
  • No Annual Fee.
  • Enjoy a 0% promotional APR for 6 months on NFL ticket purchases from any participating NFL team ticket office. Terms Apply.rticipating NFL team ticket office.
  • 20% off purchases at NFLShop.com that’s $20 off every $100 you spend.
  • Redeem points for game tickets or once-in-a-lifetime experiences like pre-game sideline passes or tickets to the Super Bowl.
  • Redeem points for 1% cash back, starting at 2,500 points for $25 cash back.
  • Zero liability on unauthorized charges.
  • Complimentary online FICO Credit Score access.
  • Pros
  • No Annual Fee
  • Sign-up bonus
  • No Penalty APR
  • 0% promotional APR for 6 months on NFL ticket purchases
SunTrust Prime Rewards Credit Card photo
SunTrust Prime Rewards Credit Card photo
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SunTrust Prime Rewards Credit Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
1%
$0
$100
$820
We estimate as
  • Card Details
  • 3 year introductory offer at Prime Rate (currently 5% variable APR) on balance transfers made in the first 60 days after account opening.
  • 1% Unlimited Cash Back on all qualifying purchases.
  • $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.
  • No annual fee.
  • No foreign transaction fees.
  • Pros
  • 1% cash back
  • No annual fee
  • No foreign transaction fee
  • Generous signup bonus
  • 5% intro APR on balance transfers for the first 36 month
  • Cons
  • Good to excellent credit score required
USAA Rewards™ American Express® Card photo
USAA Rewards™ American Express® Card photo
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USAA Rewards™ American Express® Card
Cash Back Rate
Annual Fee
Estimated bonus
Savings over 3yrs
0.8%
$0
$0
$806
We estimate as
  • Card Details
  • 3X points for dining out, 2X points for gas and groceries, 1X points on all other purchases.