Ratesopedia

Pros

  • First Year Annual Fee Rebate ($120 annual fee rebated)
  • Up to 3x on Groceries
  • Purchase protection included
  • Travel medical insurance included

Cons

  • Foreign Transaction Fee (2.5%)
  • No airport lounge access despite fee

Rewards

All Spending

1x

Cash Back pts per dollar

Groceries

3x

Travel

2x

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

Groceries3.00%
$400/month
Travel2.00%
$140/month
Restaurants1.00%
$160/month
Gas1.00%
$300/month
Recurring1.00%
$300/month
All other spending1.00%
$700/month

Cashback earned

$353

$/yr

Estimated Value

$353

After Fees

+$353

1st Year Value

$353

incl. welcome bonus

Annual rewards breakdown

Groceries$4,800/yr × 3.00%$144
Travel$1,680/yr × 2.00%$34
Restaurants$1,920/yr × 1.00%$19
Gas$3,600/yr × 1.00%$36
Recurring$3,600/yr × 1.00%$36
All other spending$8,400/yr × 1.00%$84
Total annual spend$24,000
Monthly spend$2,000
Average earn rate1.47%
Total cashback earned$353

Travel Insurance

Travel Medical

Included

Trip Interruption

Included

Delayed Baggage

Included

Lost Baggage

Included

Flight Delay

Included

Travel Accident

Included

Purchase Protection

Purchase Protection

Included

Extended Warranty

+1 year(s)

Auto Rental

Included

Interest Rates

  • Purchase Rate
    19.99%
  • Cash Advance
    21.99%
  • Balance Transfer Promo
    1.99%
  • Foreign Transaction Fee
    2.5%

Eligibility

Personal Income

$60,000

Household Income

$100,000

Terms & Conditions

Card Features

  • 3% cash back at grocery stores
  • 2% cash back on travel (flights, hotels, Airbnb, and cruises)
  • 1% cash back on everything else

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Banque Manuvie. All trademarks are property of their respective owners.