| Rewards | Cash back tiers: • 3% cash back on gas, • 2% cash back at grocery stores and wholesale clubs, • 1% cash back on all other purchases. These bonus rates apply on the first $2,500 in combined gas, grocery, and wholesale club purchases each quarter. |
|---|---|
| Signup Bonus | Typically a cash rewards bonus ($150–$200) after spending $500 in the first 90 days of account opening. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.49%?–?29.24% or higher, depending on market and credit |
| Cash Advance Fee | 5% of the amount of each cash advance (minimum $10) — whichever is greater. |
| Late Payment Fee | Up to $41 |
| Purchases APR | After any introductory 0% offer, the variable APR is typically about 17.49%?–?27.49% depending on creditworthiness and market conditions. |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
The Chicago Cubs Cash Rewards Mastercard stands out as a no-annual-fee cash-back card with a team twist, earning extra on gas, groceries, and wholesale club purchases. There’s usually a welcome bonus after meeting a minimum spend, making it appealing for fans who want rewards plus a little team pride.
Most users say the card is easy to use. Many reviewers mentioned they appreciate the automatic cash-back rewards with no category activation, as well as the bonus for Bank of America customers through Preferred Rewards. Fans enjoy earning rewards on Cubs gear and game-day spending, which makes the card feel personal.
Some cardholders note that cash-back rates are capped quarterly, limiting earnings during big spend months. Others mention the high APR for carrying balances, and a few reviewers noted that rewards outside the bonus categories feel modest.
Personally, I think this card is best for die-hard Cubs fans who pay in full each month and want a no-fuss cash-back card with a team flair. If your goal is maximizing rewards on everyday spending, there are stronger general-purpose cash-back cards out there.
As Cubs fan, this card is perfect. I earn cashback on everyday purchases while showing team pride. The design is sleek, and using it feels fun. Definitely a must have for loyal fans!