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If you’d prefer a card with no annual fee, you may want to check out the Blue Cash Everyday Card from American Express, which offers comparable rewards, a 15-month 0% intro APR on purchases as well as balance transfers (with a 3% or balance transfer fee, whichever is greater), then a variable rate, currently 14.24% to 25.24%, and a 0 intro bonus opportunity without the annual fee.

It’s important to note that Discover also offers a balance transfer credit card, called the Discover it — 18 Month Balance Transfer Offer, that offers the same kind of cash back rewards with an 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee), which is perfect if you’re looking for a card to complete a balance transfer and earn rewards on purchases.

And Discover must be doing something right because for the second year in a row it’s 2016’s J. Power’s highest ranked credit card issuer for customer satisfaction.

Disclaimer: This content is not provided or commissioned by the credit card issuer.

Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

For example, January through March’s categories for 2018 include gas stations and wholesale clubs (including Sam’s Club, BJ’s and, while grocery store purchases earn 5% from March through June.

You’ll earn 5% back at restaurants from July through September of 2018, and October through December’s categories include and wholesale clubs.

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