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

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

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
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits

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

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

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
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits

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

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

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
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits