Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −3% foreign transaction fee
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −3% foreign transaction fee
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +2% cash back for first year, then 1.5% unlimited
• +No annual fee
• +$200 welcome bonus after $1,000 spend
• +0% intro APR for 15 months on purchases and balance transfers
• +No category tracking required

• +Unlimited 2% cash back on all purchases with no category restrictions
• +No annual fee
• +$200 welcome bonus
• +15-month 0% intro APR on balance transfers
• +Cell phone protection included

Cons

• −3% foreign transaction fee
• −Rate drops to 1.5% after first year
• −Lower earning rate than category-specific cards in bonus areas
• −No premium perks or travel benefits

• −Only available to residents of 16 East Coast states
• −3% foreign transaction fee
• −$1,500 spend requirement for welcome bonus (higher than TD Cash)
• −2,500 points ($25) minimum redemption threshold
• −Regional bank with limited branch footprint