How are my cash back rewards calculated for my Golden 1 Member Cash Rewards+ credit card?

A 1% cash reward is offered on net qualified purchases (less credits, returns and adjustments), excluding cash advances, and balance transfers. A 4% cash rebate is offered on net qualified purchases at eligible gas merchants. Cash rewards on gas purchases are limited to up to $5,000 in purchases annually, then 1% thereafter.

A 3% cash reward is offered on net qualified purchases from eligible grocery and restaurant merchants. 3% cash reward does not include grocery purchases classified as wholesale clubs. The rewards will be credited by deposit to your Golden 1 share account by the end of each month and after the close of your account's monthly billing cycle. Credit card accounts closed prior to their monthly closing statement date forfeit all unpaid rebates earned during the prior period.