Annual Fee
$95
Foreign Txn Fee
2.7%
Credit Needed
Good to Excellent (690+)
APR
19.49%–28.49% variable
Rewards Categories
6x (6%) U.S. supermarkets (up to $6,000/yr, then 1x)
6x (6%) Select U.S. streaming subscriptions
3x (3%) U.S. gas stations
3x (3%) Transit
1x (1%) All other purchases
Benefits
$0 intro annual fee for first year, then $95
Up to $10/month statement credit for Disney+, Hulu, or ESPN+ subscriptions
Car rental loss and damage insurance
Purchase protection, extended warranty, return protection
Amex Offers for extra cash back at select merchants
Cash back never expires while account is open
Welcome Bonus
Up to $300 cash back after spending $3,000 in first 6 months
Pros & Cons
Pros
Best-in-class 6% at U.S. supermarkets — among the highest grocery rate of any card
6% on streaming subscriptions is a near-universal benefit
$0 fee in year one softens the cost of trying it out
Cons
Supermarket bonus capped at $6,000/year ($360 max cash back from that category)
2.7% foreign transaction fee makes it a poor travel companion
Only 1% on most non-bonus spending
Best For / Worst For
Best For
Families with high grocery and streaming spend
Worst For
Frequent international travelers due to the foreign transaction fee
Reward Valuation
Cash back is redeemed dollar-for-dollar as statement credit — no valuation guesswork like points cards.
Statement Credits
Streaming Credit
Up to $120/yr
$10/mo for Disney+, Hulu, ESPN+, and other eligible streaming services
Insurance Benefits
Car Rental Loss & Damage
Coverage when declining the rental company's insurance
Purchase Protection
Covers eligible purchases against damage/theft
Extended Warranty
Extends eligible U.S. manufacturer warranties
Approval Odds
Generally requires good to excellent credit (690+).
Historical Welcome Offers
June 2026
Up to $300 cash back after $3,000 spend in 6 months
2025
$250 cash back after $3,000 spend in 6 months
User Reviews
May 2026
Grocery bill MVP
6% back at the supermarket adds up fast for a family of four. Easily my top cash back card.
— L.W.
Comments
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Last verified June 2026