Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

Network

Key Benefits

Pros

• +6% cash back at U.S. supermarkets on up to $6,000/year ($360 max annual value)
• +6% cash back on select U.S. streaming services with no annual cap
• +$120 annual Disney Bundle credit effectively reduces fee to net-negative
• +3% cash back at U.S. gas stations and on transit with no spending cap
• +0% intro APR for 12 months on purchases and balance transfers

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

Cons

• −$95 annual fee after first year (offset by $120 Disney credit if used)
• −2.7% foreign transaction fee makes it poor for international use
• −6% grocery cap at $6,000/year limits high-spending households
• −Warehouse clubs (Costco, Sam's Club) do not code as supermarkets
• −1% back on non-category purchases is below average

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households