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

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

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

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

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

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

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

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions

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

• +No annual fee
• +20,000 mile welcome bonus ($200 value)
• +5X miles on hotels and rental cars via Capital One Travel
• +1.25X miles on all purchases
• +No foreign transaction fees

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

• −Lower earn rate than premium travel cards
• −No lounge access or premium travel benefits
• −5X earning requires booking through Capital One Travel
• −Miles worth 1 cent each for travel, less for other redemptions