Combined balance required to qualify Effective rewards rate on the category of your choiceEffective grocery store/ wholesale club rewards rateEffective rewards rate on everything else
Gold (25% boost)$20,000 to $49,9993.75%2.5%1.25%
Platinum (50% boost)$50,000 to $99,9994.5%3%1.5%
Platinum honors (75% boost)$100,000+5.25%3.5%1.75%