This is one of the best credit cards for everyday purchases as it comes with the highest cashback rate on categories such as US streaming services or purchases at US supermarkets. Because this card doesn't come with any travel perks and has foreign transaction fees,
it pairs well with travel credit cards, airline and hotel cards that do have those perks and no foreign transaction fees.
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Pros
- Welcome offer. Earn a $250 statement credit after spending $3,000 in purchases during your first 6 months of card membership.
- Earn cash back. Earn 6% cash back at U.S. supermarkets on up to $6,000 per year. After that, you'll earn 1% back. You'll also earn 6% on select U.S. streaming services and 3% on transit purchases. At U.S. gas stations, you'll earn 3% back. For all other eligible purchases, you'll get 1% back.
- Intro APR period. Enjoy a 0% intro APR period on purchases and balance transfers for the first 12 months of account opening. After that, a variable APR of 19.24% to 29.99% applies.
Cons
- Annual fee. The card comes with a $95 annual fee after the first year intro.
- Cashback cap on groceries. Your 6% cashback rate at U.S. supermarkets is capped on up to $6,000 each year, and 1% after that.
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Annual fee | $0 intro annual fee for the first year ($95 thereafter) |
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Purchase APR | 0% intro for the first 12 months (then 19.24% to 29.99% variable) |
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Balance transfer APR | 0% intro for the first 12 months (then 19.24% to 29.99% variable) Either $5 or 3% of the amount of each transfer, whichever is greater |
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Welcome Offer | $250 statement credit after spending $3,000 in the first 6 months |
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Rewards | Up to 6% cash back |
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Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.