| Premium Rewards | Rewards | Cash Rewards | |
|---|---|---|---|
| 3 points per $1 spent on restaurants, travel and advertising1 | 3 points per $1 spent on gas1 | 5% cash back on utilities and wireless phone for first 12 months; 3% thereafter1 | |
| 1.5 points per $1 spent on all other purchases2 | 2 points per $1 spent on restaurants and travel1 | 2% cash back on gas and office supplies1 | |
| 1 point per $1 spent on all other purchases2 | 1% cash back on all other purchases2 |
1Merchants who accept Visa credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making reward offers to you. We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category.
2Purchases are defined as gross retail purchases less any returns or credits.