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

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

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

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

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

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

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

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend