Network

Key Benefits

Pros

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

Cons

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

Network

Key Benefits

Pros

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

Cons

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend

Network

Key Benefits

Pros

• +5% cash back on two categories of your choice (from 12+ options)
• +2% on one everyday category (dining, gas, or grocery)
• +No annual fee
• +Visa Signature benefits
• +$200 welcome bonus

Cons

• −Must select 5% categories each quarter (defaults to 1% if forgotten)
• −$2,000 combined quarterly cap on 5% categories
• −3% foreign transaction fee
• −Base rate only 1% on non-category spend