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

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

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

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

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

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

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

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer