Best Categories for This Card
Dining & Restaurants
Restaurants, including takeout and delivery
Food Delivery
Restaurants, including takeout and delivery
Rideshare & Transit
Rides and Rails: taxis, rideshares, public transit
All Other Purchases
Complete Rewards Breakdown
| Category | Multiplier | Type | Cap | Effective Return |
|---|---|---|---|---|
| Dining & Restaurants | 2x | Ongoing | — | 3.10% |
| Food Delivery | 2x | Ongoing | — | 3.10% |
| Rideshare & Transit | 2x | Ongoing | — | 3.10% |
Everywhere else | 1x | Ongoing | — | 1.55% |
Card details
- Network
- Mastercard
- Foreign transaction fee
- None
- Credit usually needed
- Good (about 670+)
- Last verified
- Oct 11, 2026
What's a point worth?
Points aren't dollars. A Chase, Amex, Citi or Capital One point is worth about 1¢ as cash back, and often 1.5–2¢ or more when you move it to an airline or hotel partner. Our rates use your setting — Smart (travel value only when you hold a card that unlocks transfers), Cash value or Travel value. See how we rank.
Downgrade options: Citi® / AAdvantage® Platinum Select® World Elite Mastercard® — a product change keeps your account history if this card stops earning its fee.
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Want more details?
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