Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns

Network

Key Benefits

Pros

• +No annual fee with solid category rewards
• +3% cash back at U.S. supermarkets up to $6,000/year ($180 max annual value)
• +Up to $84/year Disney Bundle credit for streaming subscriptions
• +0% intro APR for 15 months on purchases (3 months longer than Preferred)
• +$200 welcome bonus after $2,000 spend in 6 months

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% grocery rate is half of Blue Cash Preferred's 6%
• −2.7% foreign transaction fee makes it unsuitable for travel
• −2% gas rate is below Preferred's 3%
• −1% back on non-category purchases is below average
• −$6,000 annual cap on grocery bonus limits heavy spenders

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns