The annual cap is $500 of cash-back rewards shared across groceries, wholesale clubs and gas stations, then 1%. It is not three independent spending caps. This is Daily Advantage, not Travel Advantage.
Annual card fee: $0. Other fees may apply.
How rewards are earned
| Purchases | Rate | Conditions |
|---|---|---|
| Eligible grocery stores | 5% | Shares a $500 calendar-year cash-back cap with wholesale clubs and gas stations, then 1%. Discount stores, superstores and convenience stores are excluded. |
| Gas/EV charging, wholesale clubs, streaming, pharmacy and AAA purchases | 3% | Grocery, wholesale-club and gas-station rewards share the $500 annual reward cap, then 1%. The agreement does not separately specify EV treatment in that pool; confirm it with the issuer. Eligible gas includes traditional standalone stations and wholesale clubs. AAA must be the merchant of record; Auto Club Group locations, non-AAA-underwritten insurance and third-party-provided services are restricted under the agreement, with named exceptions for AAA Tickets and PayPal. |
| Other eligible purchases | 1% | Includes spending after the named shared reward cap has been reached. |
How rewards can be used
Statement credit
Redeem starting at $5, up to the current account balance. Credits reduce the balance but do not count toward required minimum payments.
Direct deposit
Redeem starting at $5 to a qualifying U.S. checking or savings account. Bank restrictions and verification apply; other reward options may have different values.
What qualifies?
Net eligible purchases only; returns reverse rewards. Merchant coding controls bonus eligibility. Third-party payment accounts, including PayPal and Venmo, do not earn additional cash back. Transfers, advances, cash equivalents, person-to-person payments, interest, fees and unauthorized transactions do not earn. Rewards expire five years after posting; delinquency or suspected misuse can restrict redemption.
Benefits and offers outside this profile
Welcome credits, promotional offers, identity services, travel benefits and enhanced AAA-location redemption values are not included. No AAA subscription cost is assumed because membership is not required.
Why there is no calculator estimate
Not included in calculator rankings. Wholesale, EV and streaming inputs and a shared cap measured in reward dollars are missing; EV cap applicability also needs clarification before a spending estimate.
Read how we compare rewards and what annual estimates leave out. All calculator estimates assume full payment without interest; this profile is not a borrowing-cost or approval recommendation.
Check the source
The checked date covers the facts presented in this profile, not every benefit or personalized offer. Confirm your exact offer with the issuer.