Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee, no late fees, and no penalty APR
• +Daily Cash deposited immediately rather than monthly
• +3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
• +2% back on all Apple Pay purchases
• +No foreign transaction fees

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Only 1% back when using physical card (non-Apple Pay)
• −Requires iPhone to apply and manage the card
• −No sign-up bonus
• −No travel-related benefits or protections
• −Limited 3% merchant list compared to category cards

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee, no late fees, and no penalty APR
• +Daily Cash deposited immediately rather than monthly
• +3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
• +2% back on all Apple Pay purchases
• +No foreign transaction fees

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Only 1% back when using physical card (non-Apple Pay)
• −Requires iPhone to apply and manage the card
• −No sign-up bonus
• −No travel-related benefits or protections
• −Limited 3% merchant list compared to category cards

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +No annual fee, no late fees, and no penalty APR
• +Daily Cash deposited immediately rather than monthly
• +3% back at Apple and select merchants (Uber, Walgreens, Nike, etc.)
• +2% back on all Apple Pay purchases
• +No foreign transaction fees

• +3% cash back on dining, entertainment, streaming, and grocery stores
• +8% cash back on Capital One Entertainment tickets
• +No annual fee
• +No foreign transaction fee for study abroad dining
• +No category caps or quarterly activation required

Cons

• −Only 1% back when using physical card (non-Apple Pay)
• −Requires iPhone to apply and manage the card
• −No sign-up bonus
• −No travel-related benefits or protections
• −Limited 3% merchant list compared to category cards

• −Grocery bonus excludes superstores (Walmart, Target) and warehouse clubs
• −Only 1% on non-bonus categories
• −No intro APR offer
• −No good grades bonus like Discover offers
• −Higher cash advance APR (29.99%)