Quick verdict
Best for families spending $400+/month at u.s. supermarkets. Skip if you spend less than $150/month at supermarkets. the $95 annual fee means you need decent grocery volume to come out ahead. also skip if you mostly shop at walmart, target, or costco — they don't code as supermarkets.
🎁 Welcome bonus
$250 statement credit after $3,000 spend in 6 months
⚡ Rewards
| Category | Rate | Type |
|---|---|---|
| U.S. supermarkets (up to $6K/yr) | 6% | cash back |
| U.S. streaming subscriptions | 6% | cash back |
| U.S. gas stations (up to $6K/yr) | 3% | cash back |
| U.S. transit | 3% | cash back |
| Non-U.S. supermarkets | 1% | cash back |
| Everything else | 1% | cash back |
Points/miles valued at 1.00¢ each (CreditStud.io estimate based on typical travel redemption).
✨ Perks
- 6% cash back at U.S. supermarkets (up to $6,000/year, then 1%)
- 6% cash back on U.S. streaming subscriptions
- 3% cash back on U.S. gas stations (up to $6,000/year gas + transit combined)
- 3% cash back on U.S. transit (tolls, rideshare, parking, buses, trains)
- No foreign transaction fees
- Amex Offers: targeted deals at popular retailers
- Return protection (90 days, up to $300/item)
- Purchase protection (90 days, up to $10K/occurrence)
🎯 Who should consider this card
✅ Best for
- Families spending $400+/month at U.S. supermarkets
- People with significant streaming subscription costs
- Commuters who spend on gas and transit
❌ Skip if
You spend less than $150/month at supermarkets. The $95 annual fee means you need decent grocery volume to come out ahead. Also skip if you mostly shop at Walmart, Target, or Costco — they don't code as supermarkets.
📊 Example: Typical traveler/diner
Based on illustrative spending. Use our AF Worth It Calculator to plug in your real numbers.
📋 Application tips
Not sure if you'll qualify? Try our credit score simulator to see what rate range you might fall into.