Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Bonus Categories benefit details — No annual fee
Earn 2X points for every $1 spent on grocery store purchases, excluding Target and Walmart
Earn 2X points for every $1 on internet, select streaming services, phone and TV service purchases
Earn 3X points for every $1 spent on restaurant purchases including takeout and delivery
Competitively low APR on purchases and balance transfers, making this ideal for those carrying a balance
1% cash back on all purchases