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

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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

• +No annual fee ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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

• −Only Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard