NBT Bank Everyday Rewards+ Card

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Card Details and Application Link
NBT Bank Everyday Rewards+ Card

FM Mini Review: Decent welcome bonus for very low spenders and nice ongoing 4x (effectively 4%) back on dining with no annual fee, but note that rewards expire 5 years from the end of the quarter in which they are earned and there is a $25 mininum redemption threshold.


Card Type: Visa Signature

Base
1%
Dine
4%
Gas
2%
Grocery
2%

Earning rate: 4x Dining, takeout, & delivery ⚬ 2x grocery stores, grocery delivery, gas station, and streaming services ⚬ 1x everywhere else