Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

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

• +Unlimited 2% cash back on all purchases
• +No annual fee
• +No foreign transaction fees
• +World Mastercard benefits (price protection, extended warranty, purchase protection)
• +Modern app with instant notifications

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

• −Requires good to excellent credit to qualify
• −No bonus categories for higher earning potential
• −No signup bonus advertised
• −Cash advance APR is high (28.24%)
• −Less established issuer than major banks