2% cash rewards on eligible purchases, without category caps.
A useful flat-rate comparison when much of your spending falls outside bonus categories.
The rates we use
| Purchases | Rate | Annual cap |
|---|---|---|
| Other eligible purchases | 2% | Uncapped |
Annual fee: $0. Other fees may apply.
What qualifies?
Only eligible net purchases earn rewards; transfers, cash advances, interest, and fees are not spending inputs.
Cash redemption assumption
Cash rewards redeemed as account credit.
What this estimate leaves out
Signup offers, insurance benefits, and merchant offers are excluded.
The calculation assumes full payment and does not include interest, foreign transaction charges, or other fees. This is a rewards comparison, not a credit or borrowing-cost recommendation.
A worked example
For the illustrative Everyday mix ($2,000 per month), this model returns $480 per year. Your own categories may change that amount. The breakdown below uses the same arithmetic as the calculator.
| Category | Annual spend | Calculation | Cash back |
|---|---|---|---|
| Groceries | $7,200.00 | $7,200.00 × 2% | $144.00 |
| Dining & takeout | $3,600.00 | $3,600.00 × 2% | $72.00 |
| Gas | $1,800.00 | $1,800.00 × 2% | $36.00 |
| Online retail | $2,400.00 | $2,400.00 × 2% | $48.00 |
| Drugstores | $600.00 | $600.00 × 2% | $12.00 |
| Entertainment & streaming | $1,200.00 | $1,200.00 × 2% | $24.00 |
| Everything else | $7,200.00 | $7,200.00 × 2% | $144.00 |
| After $0 annual fee | $480.00 | ||
Check the source
These are source-reviewed facts, not a live offer feed. Confirm current terms and your exact card variant directly with the issuer.