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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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 Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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 Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard

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 ever
• +Automatic Hilton Silver status with 20% bonus points and late checkout
• +Path to Gold status after $20,000 annual spend
• +Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
• +No foreign transaction fees

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 Silver status (lower than Surpass/Aspire Gold grants)
• −Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
• −No annual credits or free night rewards
• −Points locked to Hilton with no transfer flexibility
• −Amex network less accepted internationally than Visa/Mastercard