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

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

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

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco

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

• +No annual fee for a card with 4% back on dining and entertainment
• +4% cash back at restaurants is among the highest flat rates available
• +4% on entertainment covers streaming, concerts, movies, and more
• +3% at grocery stores provides solid everyday value
• +8% back on Capital One Entertainment purchases is exceptional

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

• −Only 1% cash back on purchases outside bonus categories
• −Foreign transaction fees apply on international purchases
• −No travel-specific benefits like lounge access or trip insurance
• −Cash back only - no transfer partners for travel redemptions
• −Grocery bonus typically excludes warehouse clubs like Costco