Card Overview
Simple 1% cashback on all purchases with no category restrictions. No points to manage—just automatic cash credits. Perfect for those who want guaranteed, hassle-free value.
Rates, fees and offers on this page are as at October 2026 and change frequently — always confirm current terms with the issuer before applying.
Key Benefits
- 1.0% uncapped cashback on all eligible purchases — no categories, no caps, no points maths
- $200 sign-up credit and a $0 first-year annual fee
- Travel insurance included — rare on a cashback card
Why Cashback?
Points are only worth what you redeem them for. Cashback is worth exactly what it says. If you don't fly enough to hit premium-cabin sweet spots, a guaranteed 1% back can beat an uncertain points balance — our points valuation guide shows when each approach wins.
Who Should Get This Card?
Anyone who wants set-and-forget value without learning a loyalty program. Estimated net value of $671 in year one at $5,000/month spend.