CardRewardsEditorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: June 2026.
Bonus Categories benefit details — No annual fee
Earn 2% cash back at grocery stores and wholesale clubs automatically — no enrollment needed.
Pick your top spending category each month and earn 3% back (6% in year one). Switch once per month.
Preferred Rewards members boost every purchase — turn 3% into up to 5.25% cash back.
Bonus Categories benefit details — No annual fee
Earn 2% cash back at grocery stores and wholesale clubs automatically — no enrollment needed.
Pick your top spending category each month and earn 3% back (6% in year one). Switch once per month.
Preferred Rewards members boost every purchase — turn 3% into up to 5.25% cash back.
Bonus Categories benefit details — No annual fee
Earn 2% cash back at grocery stores and wholesale clubs automatically — no enrollment needed.
Pick your top spending category each month and earn 3% back (6% in year one). Switch once per month.
Preferred Rewards members boost every purchase — turn 3% into up to 5.25% cash back.