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Cash back
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Everything (flat rate — no bonus categories) | 1.5% (2% for Honors Advantage members) | — | No bonus categories — the base rate applies to all spend. |
$100.00
Cash back
$100 cash bonus after $1,500 in purchases in the first 90 days.
Uses the reported cash amount at face value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Requires PenFed membership; 2% rate requires an Access America checking account or military status
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Figure from a card-comparison source, Oct 2026 crawl.
Offer type, as listed: Public