Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Dining
2x
Gas
2x
Where it wins:
No annual fee — every dollar of rewards and credits is net value.
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
3% Cash Back at Amazon.com and Whole Foods Market
2% Cash Back on purchases at restaurants, gas stations, and drugstores.
1% Cash Back on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseAmazon.com3×
- Everything elseWhole Foods Market3×
- Dining2×
- Gas2×
- Everything elseDrug Stores2×
- Everything elseAll Purchases1×
Welcome offer
50 points
- Est. value: $1 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- No statement credits listed for this card
Benefits
- No Foreign Transaction Fees
You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Baggage Delay Insurance
Reimburses you up to $100 a day for up to 3 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
- Zero Liability Protection
You won't be held responsible for unauthorized charges made with your card or account information.
- Travel Accident Insurance
When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive up to $500,000 in accidental death or dismemberment coverage.
- Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen.
- Auto Rental Coverage
Provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card.
- Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services. You will be responsible for the cost of any goods or services obtained.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Credits & perks offset the fee on paper
Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.
