YOUR CARD COLLECTION
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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 |
|---|---|---|---|
| Choice category | 6% in year 1, then 3% | $2,500/quarter combined with the grocery / wholesale tier, then 1% | Pick one, changeable monthly: gas + EV, online shopping, dining, travel, drugstores, or home improvement / furnishings. A relationship boost applies to the 3% portion only — not to the extra year-1 3% |
| Groceries | 2% | Shared $2,500/quarter cap | Plus the relationship boost — up to 3.5% under legacy tiers |
| Wholesale Clubs | 2% | Shared $2,500/quarter cap | One of very few cards that bonuses Costco and Sam's Club spend at all |
$200.00
Cash back
$200 online cash rewards bonus after $1,000 in purchases in the first 90 days.
Separate from the bonus: 6% (vs standard 3%) in the choice category for the first year
Separate conditions may apply. This component is not automatically added to the estimate below.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.
Bank of America 2/3/4 rule
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Offer type, as listed: Public (online offer)