Features

Earn cash back your way – now choose your 3% category

3% cash back in the category of your choice: gas and EV charging station, online shopping/cable/streaming/internet/phone plan, dining, travel, drug store/pharmacy, or home improvement/furnishings purchases

2% cash back at grocery stores and wholesale clubs

1% cash back on all other purchases

You’ll earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%

Enjoy no annual fee while maximizing your cash back by choosing how you earn rewards

Introductory 0%† APR for your first 12 billing cycles for purchases, and for any balance transfers made within 60 days of opening your account. After the intro APR offer ends, a Variable APR that's currently 16.24% to 26.24% will apply. A 3% fee (min $10) applies to all balance transfers.

Online $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening

Preferred Rewards clients get a 25% - 75% rewards bonus on every purchase. That means the 3% choice category could go up to 5.25% and the 2% at grocery stores and wholesale clubs could go up to 3.5%, for the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, and the 1% for all other purchases could go up to 1.75%.

Note: this card was originally a Mastercard, then joined the Visa Signature program; the perks are identical.