Network

Key Benefits

Pros

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns

Network

Key Benefits

Pros

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns

Network

Key Benefits

Pros

• +6% cash back in choice category for first year (3% + 3% bonus)
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +Flexible category selection - change monthly

Cons

• −3% foreign transaction fee
• −$2,500 quarterly cap on bonus categories (combined choice category + grocery)
• −6% rate drops to 3% after first year
• −Requires monthly category management for optimal returns