Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Strong 4% back on Verizon, grocery, gas, and dining
• +Solid 2% base rate on all other purchases
• +Verizon Dollars automatically apply as bill credit (1:1 value)
• +$100 welcome bonus after $500 spend in 2 months

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Rewards locked to Verizon ecosystem (bill, devices, accessories only)
• −3% foreign transaction fee
• −No value if you leave Verizon
• −4% on Verizon purchases excludes bill payments
• −Requires good/excellent credit