Many cards pay their bonus rate only up to a cap, for example a set number of points a month on groceries, or a set amount of spending a year. Once a cap is full, later purchases in that category earn a lower rate, usually the card's base rate, until the cap resets. We track every cap your card's terms list.
See your caps right now
Open the card
Go to Rewards and pick the card in your wallet.
Find Caps right now
On the card's Overview, Caps right now lists every cap in force, with a meter showing how full it is and the period it counts in (this month, this statement period, this calendar year or this card year).
Read the line under each cap
While there's room, it says how much more spending still earns the bonus rate and when the cap resets. When it's likely to fill before then, it also says roughly when. A warning sign appears once a cap is 80% full.
When a cap is full, its line says when it filled and which purchase filled it, how much spending since then earned a lower rate, and what that cost you. Choose the link under it to see exactly the purchases it affected.
The top of the card also adds it up: "Full caps cost" and how much of your spending earned a lower rate in the period.
Look back at past caps
On the card, choose History, then Cap history. It lists every period a cap was used, newest first: how full it got, when it filled and by what, and roughly what the purchases after it lost. Where purchases came after a cap filled, the period links straight to them.
On a single purchase
On Transactions, with the Reward rate column turned on, a purchase that met a full cap has a small amber dot beside its rate. Open the purchase and choose Rewards to see Why a lower rate: which cap was full, since when, how much of this purchase it touched and when it resets. Every purchase that met this cap shows the others.
To find them all at once, filter Transactions by Rewards and choose Capped.
When caps reset
We follow each card's published terms. Unless the terms say otherwise, monthly caps reset on the 1st and yearly caps every January 1. The rule in use is shown under Caps right now and in the card's Settings under When caps reset.
Some cards reset on your statement date or your card's anniversary. Then we ask only for the date we need: When did your last statement end? or When did you open this card? on the card's Overview. Until you add it, we count from the 1st of the month or January 1.
Get an alert before a cap fills
Caps nearly full, or just filled, show under Worth a look on Rewards. To hear about them as they happen, turn on Reward cap alerts in Profile under Reminders.
- You get one note when a cap reaches 80%, and one when it fills, once per cap per period.
- A full alert is only sent for caps that fill after you turn alerts on.
- Alerts come in the same single daily message as your other reminders, by email. Alerts by text are included with Thrive and Thrive Duo. See emails and text messages.