6% Cash Back at Two Chosen Retailers (up to $1,500/quarter)

Choose two retailers each quarter to earn 6% cash back on up to $1,500 in combined purchases at those retailers per quarter, then 1% after. You must enroll and select your retailers each quarter; failure to enroll means spending at those retailers earns only the base 1% rate. The card competes with store-specific cards, so meaningful ongoing spend in your chosen 6% retailers is needed to justify the $95 annual fee after year one.