Every gallon, every charge, every quick stop inside counts. This is where cardholders see the biggest return — the rate is built around the pump itself, so the more you drive, the faster it adds up.

Weekly grocery runs and dinners out are where everyday spending really lives — this rate is nationwide, so it applies whether you're stocking the fridge at home or picking a new restaurant to try.

No category to track, no rotating list to remember. Every other purchase — online, in-store, or on a trip — earns at the base rate, everywhere the card is accepted.