While this information was accurate at the time this post was published, these cards’ offers and perks may have expired or changed over time. Visit our reviews of the best credit cards to find the right card for your needs.

Q:  After I have reached the $1,500 on groceries and gas limit on the BankAmericard Cash Rewards credit card, will I get 1% on on the remainder of gas and groceries I continue to purchase?

A:  The BankAmericard Cash RewardsTM  credit card offers its users 3% cash back on gas and 2% cash back on groceries for the first $1,500 in combined gas and grocery purchases each quarter. After the $1,500 limit is met, cardholders will earn the standard 1% cash back on gas and grocery purchases. The next quarter this $1,500 will reset and you’ll earn 3% on gas and 2% on groceries again (until the $1,500 limit occurs).

Many cash back rewards cards work this way — they offer substantial rewards in certain categories up to a limit. After that dollar amount is reached the earnings revert to whatever the standard cash back rewards for that card are. (Note: although this is usually the case, check your card’s Terms and Conditions to make sure)

For example, the Blue Cash EverydaySM Card from American Express (a NextAdvisor advertiser) will earn cardholders 3% cash back at U.S. stand-alone supermarkets until a $6,000 annual spend is reached.  After the $6,000 barrier, users will earn the “standard” 1% cash back on the rest of their supermarket purchases for the remainder of the calendar year.  Then when the new calendar year arrives, the 3% earnings start all over again.

If you’re curious about which cash back credit card will earn you the most money, take a look at our Personalized Cash Back Calculator.  All you need to do is enter you monthly spending in certain categories and the Cash Back Calculator will do all the math for you, showing you the best card for your spending style and how much money you’ll earn with each different cash back card.