Ally Everyday Cash Back Mastercard®
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. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 3%
- Annual fee
- $39
Madeen may earn compensation from some apply links. Affiliate disclosure
Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 95% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 3% effective value (3% back). That grocery rate ranks higher than about 95% of the 1,552 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 95% 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 3% effective (3% back).
- That grocery rate ranks higher than about 95% 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, and what's the welcome bonus?
The Ally Everyday Cash Back Mastercard has an annual fee of $39 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $39
- Foreign transaction fee
- None
Common questions about the Ally Everyday Cash Back Mastercard
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Ally Everyday Cash Back Mastercard annual fee worth it?
Whether the $39 annual fee pays off depends on how much you spend in grocery and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Ally Everyday Cash Back 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Ally Everyday Cash Back Mastercard?
Rewards on the Ally Everyday Cash Back Mastercard post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Related Madeen guides
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.