01 · overview
Annual fee
$0
No fee
Sign up bonus
—
No current offer
Credits
—
No tracked credits
Median FICO
—
Approved
Median income
—
Approved
Our take
The draw here is 4% back on gas, EV charging, and transit with no annual fee, a strong rate in categories most cash back cards ignore. The catch is the cap: those three share a single $300 in monthly spend, so the 4% is worth at most $12 a month before the rate drops to 1%, and the cap resets on the 1st. Dining at 3% and groceries at 2% carry no cap, and there is no foreign transaction fee, so the card travels fine. There is no signup bonus, and the regular APR runs from 16.49% to 34.49%, so this only makes sense if you pay in full each month. Treat it as a targeted commuting card alongside a stronger everyday earner rather than as your only cash back card.
Apply now
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Gas Gas, EV charging, and transit combined: 4% on the first $300 in spend per month, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Transit Shares the $300/month cap with gas and EV charging, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Dining | 3% |
Groceries | 2% |
Everything Else | 1% |
Credits & rebates
No credits or rebates tracked.
03 · card details
Card details
Regular APR | 16.49%–34.49% variable |
Foreign transaction fee | None |
04 · approval odds
Approval odds
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