One flat rate. Every purchase. No exceptions.
Exuma Sound Rewards pays 2% cash back on absolutely everything, credited straight to your account each month — no categories to track, no caps to hit.
Three things make this card simple.
Flat 2% on everything
Groceries, gas, streaming, rent through our partner network — all earn the same rate.
Cash back, not points
Rewards land as statement credit or a direct deposit each month, whichever you prefer.
No caps, no categories
There is no quarterly limit and nothing to activate — the rate never changes.
Zero liability guarantee
Unauthorized charges reported promptly are never your responsibility.
Questions people actually ask.
No — the 2% rate applies to every purchase with no annual or monthly cap.
Cash back is automatically applied as statement credit each month; you can switch to direct deposit in account settings.
Signature Rewards is typically available to applicants with good to excellent credit, generally a score of 690 or higher.
Apply for Exuma Sound Rewards.
Most applications are approved in under a minute.
Apply now