3% back on groceries, gas and online shopping, an easy $150 bonus and no annual fee. The Keystone Everyday Cash Card rewards the spending most families already do.
The bottom line
For households that spend most of their budget at the supermarket and gas pump, the Keystone Everyday Cash Card earns more than a flat-rate card, without an annual fee.
Keystone Everyday Cash Card
- Annual fee:$0
- Rewards rate:1%–3% cash back
- Intro offer:$150 bonus
- Intro APR:0% for 12 months
- Regular APR:19.99%–28.99% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Pros and cons
- 3% in everyday categories
- No annual fee
- $150 bonus after $500 spend
- 0% intro APR for 12 months
- 3% categories capped at $6,000 a year
- 3% foreign transaction fee
Detailed review
The Keystone Everyday Cash Card earns 3% in the three categories most families spend on every week: U.S. supermarkets, U.S. gas stations and online retail. The 3% rate applies to the first $6,000 in combined spending each year, then drops to 1%.
At $500 a month in those categories, you would earn $180 a year, plus a $150 bonus that takes just $500 of spending in the first three months.
Keystone Everyday Cash: the basics
- Card type: Cash back
- Annual fee: $0
- Sign-up bonus: $150 after you spend $500 in the first 3 months
- Intro APR: 0% on purchases for 12 months
- Interest rate: 19.99%–28.99% Variable APR
- Foreign transaction fees: 3%
Ongoing rewards
- 3% cash back at U.S. supermarkets, U.S. gas stations and online retail, on up to $6,000 a year combined
- 1% cash back on everything else
When is a flat-rate card better?
If you spend more than $500 a month in the bonus categories, you will hit the $6,000 cap. Pair Keystone with a 2% card like the Brightline Cash Plus for everything else.
Ledgerly tip
Use this card for groceries and gas, and a 2% card for everything else. That simple two-card setup beats almost any single card.
Benefits and perks
- No annual fee ever.
- Easy bonus with only $500 in required spending.
- Contactless pay and virtual card numbers for online shopping.
Drawbacks and considerations
Annual cap. 3% stops after $6,000 a year in combined category spending.
Foreign transaction fees. A 3% fee applies outside the U.S.
Compare to other cards
-
Brightline Cash Plus Card
$200 cash bonus
- Annual fee:$0
- Rewards rate:2%–5% cash back
- Intro offer:$200 bonus
- Intro APR:0% for 15 months
- Regular APR:19.49%–28.49% Variable
- Credit score:670–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Summit Gold Rewards Card
60,000 bonus points
- Annual fee:$250
- Rewards rate:1x–4x points
- Intro offer:60,000 points
- Regular APR:See issuer terms
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
-
Atlas Business Unlimited Card
$750 bonus cash
- Annual fee:$0
- Rewards rate:1.5% cash back
- Intro offer:$750 bonus
- Regular APR:18.49%–24.49% Variable
- Credit score:690–850 (Good–Excellent)
Rates & fees apply. Offer terms set by the issuer.
Is it right for you?
If groceries and gas make up most of your spending, the Keystone Everyday Cash Card is an easy, no-fee way to earn more on them.
3% back at U.S. supermarkets, gas stations and online shopping, 1% on everything else, with no annual fee.
Rates & fees apply. Offer terms set by the issuer.
Frequently asked questions
Do warehouse clubs count as supermarkets?
No. Warehouse clubs and superstores earn 1%.
Is there a limit on cash back?
The 3% rate applies to the first $6,000 in combined category spending each year. After that you earn 1%.
How do I redeem?
As a statement credit or bank deposit, in any amount.