The public offer has a $0 introductory annual fee for the first year, then $95. The supermarket cap is annual; selected streaming is a separate, narrower category.
Annual card fee: $95. Other fees may apply.
How rewards are earned
| Purchases | Rate | Conditions |
|---|---|---|
| U.S. supermarkets | 6% | First $6,000 in eligible purchases per calendar year, then 1%. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are excluded. |
| Selected U.S. streaming subscriptions | 6% | Eligible providers only. Bundled subscriptions and third-party billing may not qualify. |
| Transit and eligible U.S. gas stations | 3% | Transit includes trains, taxis/rideshare, ferries, tolls, parking, buses and subways; not airfare, car rentals or cruises. Gas excludes superstores, supermarkets and warehouse clubs. |
| Other eligible purchases | 1% | Includes spending above the supermarket cap. |
How rewards can be used
Reward Dollars as statement credit
Cash back is issued as Reward Dollars. Statement credits reduce the balance but do not replace required minimum payments.
Eligible Amazon.com checkout
Reward Dollars have the same redemption value at eligible Amazon checkout as statement credit. Purchases paid with rewards do not earn rewards on that portion.
What qualifies?
Eligible net purchases only; returns reverse rewards. Fees, interest, advances, balance transfers and cash equivalents do not earn. Bonus eligibility follows merchant coding and the linked Amex definitions.
Benefits and offers outside this profile
Welcome offers, introductory APR and the first-year fee waiver are not treated as ongoing rewards. Enrollment-based Disney credits and temporary merchant or venue benefits are not automatic fee offsets.
Why there is no calculator estimate
Not included in calculator rankings. Streaming must be separated from entertainment and transit from other purchases before an accurate comparison with the existing cards.
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.