@Hex wrote:
This looks like a nice card and it even has a SUB.
Special Offer
Get a 0% Intro APR through your January 2028 billing cycle on all purchases, and on any balance transfers and convenience checks that post to your account by September 30, 2026. After this time, the variable regular APR of 16.40% to 26.40% will apply to these introductory balances and any new transactions. There is a fee of 5% of the amount of each balance transfer and convenience check from account opening. see note 5 see note 4
Earn a $200 reward bonus after spending $1,000 on qualifying purchases by September 30, 2026. see note 2 see note 6
Benefits and Features
Everyday Cash Backsee note 1, see note 6
- 3% cash back on your first $3,000 in combined quarterly purchases across eligible spend categories including groceries, dining, home improvement and more, Opens dialog
- Unlimited 1% cash back on other purchases
The full list of categories is:
- Groceries
- Dining
- Home Improvement & Home Furnishings
- Gas & Electric Vehicle Charging Stations
- Travel
- Transit
- Health & Wellness
- Live Entertainment & Streaming Services
seems comprehensive to me.
Not a terrible card. But many of us can get 5% in a lot of these categories (albeit using multiple cards). The $3000 spend cap / quarter surprises me a little as typically 3% category cards are unlimited. Like the Savor (which has 4 out of these cats alone, including less restrictive entertainment). But not bad for someone who wants one card for 8 (more like 10) cats, is okay with 3%, and doesn't spend more than the cap.
Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card
Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards
Everyday 4% CB:
US Bank Smartly (v1.0)
Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)
Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)
Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)
On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)
