Annual Fee
$0
Welcome Bonus
—
Bonus Value
—
Estimated value
1st Year Value
$184
✓
Pros
- ✓Purchase protection included
- ✓No annual fee
✗
Cons
- ✗Foreign Transaction Fee (2.5%)
Rewards
All Spending
0.5x
Cash Back pts per dollar
Groceries
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Cashback earned
$184
$/yr
Estimated Value
$184
After Fees
+$184
1st Year Value
$184
incl. welcome bonus
Annual rewards breakdown
Groceries$4,800/yr × 2.00%$96
Restaurants$1,920/yr × 0.50%$10
Gas$3,600/yr × 0.50%$18
Recurring$3,600/yr × 0.50%$18
All other spending$8,400/yr × 0.50%$42
Total annual spend$22,320
Monthly spend$1,860
Average earn rate0.82%
Total cashback earned$184
Purchase Protection
✓
Purchase Protection
Included
✓
Extended Warranty
+1 year(s)
Interest Rates
- Purchase Rate19.99%
- Cash Advance21.99%
- Balance Transfer Promo1.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$15,000
Household Income
$15,000
Terms & Conditions
Card Features
- 2% cash back at grocery stores
- 0.5% on everything else
- 1.99% interest rate on balance transfers during the first six months
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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.