
Cash Rewards: 2024 Standard Reward Categories
Earn 3% Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below. This equates to $0.03 in total Cash Rewards, which is equal to 3 points, for each $1 spent.
Gas: MCC’s 5541, 5542: 1
Groceries: MCC’s 5411, 5422, 5441, 5451, 5499, 5462
Electric Vehicle Charging: MCC 5552
Taxicabs, Limousines & Rideshare: MCC 4121
Utilities: MMC’s 4812, 4814, 4816, 4821, 4899, 4900, 4911
Wholesale Clubs: MCC 5300
Earn 1% Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Cash Rewards, which is equal to 1 point, for each $1 spent.
BONUS: Earn 4% (an additional 1% Rewards)1 for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed above during the first 12 months.

Travel Rewards: 2024 Standard Reward Categories
Earn 3X Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below. This equates to $0.03 in Rewards, which is equal to 3 points, for each $1 spent.
Gas: MCC’s 5541, 5542: 1
Dining: MCC’s 5811, 5812, 5813, 5814
Electric Vehicle Charging: MCC 5552
Taxicabs, Limousines & Rideshares: MCC 4121
Travel: MCC’s 3000-3999, 4011, 4111, 4112, 4131, 4411, 4511, 4457, 4722, 4723, 4582, 4784, 7011, 7012, 7033, 7512
Earn 1X Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Rewards, which is equal to 1 point, for each $1 spent.

Business Rewards: 2024 Standard Reward Categories
Earn 2X Rewards for each $1 spent on net purchases at eligible merchants within the MCC (merchant category) codes listed below. This equates to $0.02 in total Cash Rewards, which is equal to 2 points, for each $1 spent.
Cable, Satellite, and Other Pay Television and Radio Services: MCC 4899
Dental, Laboratory, Medical, Ophtal, Hospital Equipment and Supplies: MCC 5047 2
Office and Commercial Furniture: MCC 5021
Stationery, Office Supplies, Printing and Writing Paper: MCC 5111
Stationery, Office and School Supply Stores: MCC 5943
Telecommunication Equipment: MCC 4812
Telecommunication Services: MCC 4814
Earn 1X Rewards for each $1 spent on all other net purchases. This equates to $0.01 in Cash Rewards, which is equal to 1 point, for each $1 spent.
Rates, fees and terms as of April 30, 2025 and subject to change without notice