4X on groceries at U.S. supermarkets on up to $25,000 in purchases per year

4X at restaurants worldwide, on up to $50K in purchases

3X on flights booked directly with airlines or on amextravel.com

5% cash back on Lyft rides through March 31, 2025

2% cash back on dining purchases. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

3% cash back in the category of your choice: gas stations and EV charging stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. You'll earn 3% and 2% cash back on the first $50,000 in combined choice category/dining purchases each calendar year, 1% thereafter.

2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, baggage service charges and other United purchases

2X miles per $1 spent at gas stations

3% cash back on cell phone service providers

3% cash back at office supply stores

3% cash back on all gas and electric vehicle charging station

2X points on travel

1X points on rent payments without the transaction fee up to 100,000 points each calendar year

3X points on dining

3X Avios for every $1 spent on British Airways, Aer Lingus, and Iberia flight purchases

3X total points on select streaming services

3X total points on utilities

Up to 17X total points at IHG® Hotels and Resorts

That's 5X points with this card.

+ up to 10X points from IHG® for being an IHG One Rewards member.

+ up to 2X points from IHG® with Silver Elite Status, a benefit of this card.

3X total points on dining

3X total points at gas stations

2X points per $1 spent on local transit and commuting, including rideshare services

2X miles per $1 spent on purchases from United, including tickets, Economy Plus®, inflight food, beverages and Wi-Fi, and other United charges

2X miles per $1 spent on dining, including eligible delivery services.