Ally Everyday Cash Back Mastercard®
Ally and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Ally. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Ally Everyday Cash Back Mastercard® from Ally earns up to 3% effective value on grocery in Madeen's catalog snapshot. Its annual fee is $39.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $39
Best for grocery-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 3% back.
What does the Ally Everyday Cash Back Mastercard earn in each category?
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Ally Everyday Cash Back Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 3x among the.
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 97% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Ally Everyday Cash Back Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% |
| Grocery Supermarkets and grocery stores | 3% back | 3% Top category |
| Gas Gas stations and fuel | 3% back | 3% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Ally Everyday Cash Back Mastercard?
The Ally Everyday Cash Back Mastercard fits spenders who put meaningful volume in grocery and can earn 3% back. Best for spenders who put meaningful volume in grocery and can earn 3% back.
Ally Everyday Cash Back Mastercard fits spenders who put meaningful volume in grocery and can earn 3% back. Madeen ranks its grocery effective rate higher than about 97% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 3% back.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for grocery-heavy spend when the $39 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is grocery at about 3% effective (3% back).
- That grocery rate ranks higher than about 97% of cards we track in the category.
- No foreign transaction fee listed.
Cons
- $39 annual fee requires enough spend in bonus categories to offset.
Does the Ally Everyday Cash Back Mastercard have an annual fee?
The Ally Everyday Cash Back Mastercard has an annual fee of $39 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $39
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Ally Everyday Cash Back Mastercard
Where do cardholders spend most with the Ally Everyday Cash Back Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (3x), medical pharmacies and supplements (3x), gas (3x) for the Ally Everyday Cash Back Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is there a limit on Ally Everyday cash back card?
Grocery is the strongest Madeen category for the Ally Everyday Cash Back Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
What credit score is needed for Ally Mastercard?
Madeen's catalog lists a typical credit range of Good for the Ally Everyday Cash Back Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
Does the Ally Everyday Cash Back Mastercard have an annual fee?
The Ally Everyday Cash Back Mastercard carries an annual fee of $39 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Ally Everyday Cash Back Mastercard?
Grocery is the strongest Madeen category for the Ally Everyday Cash Back Mastercard at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Ally Everyday Cash Back Mastercard charge foreign transaction fees?
The Ally Everyday Cash Back Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the Ally Everyday Cash Back Mastercard compare to similar cards?
Compare the Ally Everyday Cash Back Mastercard against Ally Unlimited Cash Back Mastercard (2% on Dining, $0 fee); Ally Unlimited Cash Back Mastercard for Nurses and Educators (2% on Dining, $0 fee); Ally Platinum Mastercard (0% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Ally Everyday Cash Back Mastercard This card | Grocery | 3% | $39 |
| Dining | 2% | $0 | |
| Dining | 2% | $0 | |
| Dining | 0% | $0 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Ally and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Ally. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure