Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +3X on travel, transit, and dining worldwide covers most everyday spending
• +$189 CLEAR Plus credit more than offsets the $150 annual fee for CLEAR users
• +$100 LoungeBuddy credit provides flexible airport lounge access
• +No foreign transaction fees for international travel
• +Made from reclaimed ocean plastic (environmentally friendly)

• +4% cash back on unique wellness and sustainability categories
• +No annual fee
• +No foreign transaction fee
• +Cell phone protection up to $600 with $25 deductible
• +12-month 0% intro APR on purchases

Cons

• −$150 annual fee is not waived first year
• −No direct lounge network membership (LoungeBuddy is pay-per-use)
• −CLEAR credit has limited value outside major airports
• −Lower-tier welcome bonus compared to Gold or Platinum
• −$35 authorized user fee adds up for multi-card households

• −Only 1% on most common spending categories (groceries, gas, travel)
• −4% categories are niche and may not align with typical spending
• −No transfer partners or premium travel benefits
• −Sustainable brand merchants can be inconsistent in coding
• −Lower base earn rate than flat-rate 2% cards